then a group of people actually run up to me !huh!, uh I think this was like when I was in poly like a decade ago so I actually really like faint then I was wearing a skirt as well I don't know whether did I like


uh, #zao geng# or what lah but I wasn't in a mood of think of that one but I really faint and then a group of people have rushed to me aunty actually give me the, ah medical oil, then at that point of time I really woke up and then I I just like so embarrassed I just faster walk away and then from then on I just make sure I I eat my breakfast before I go out of my house ya


I mean there are there are times that especially we uh when in that working environment, there were bound to be situation where you were treated fairly ya so it's our journey can give a generics generic statement on this lah


you fight for it [loh], you fight and make sure that you


you you you are you, will come to a situation where you won't be treated unfairly lah instead it's other people who are being treated unfairly, okay so next one


is there any do you have any dream that, that die a little with each passing day


, for me it's like uh uh, I'm I'm I'm actually like all the while like planning in the in my career ladder to know climb up really high and stuff


but, and there are some circumstances and and situation where at each point of time in life you just feel that it it's getting a bit further and further you are getting further and further away from your dream [orh]


so it's more for me it's uh on career career basis at this point of time lah it's not that I'm not I'm unable to reach the goal anymore but or the dream anymore but as time goes by now it's just uh getting a little bit harder


if ya


but for me wise I've been with the company for almost like, eight years then this is where I start to feel a little stagnant already like, like ya it's it's a little bit hard to move on if you have actually people above you that are are are stuck there then you know you can't move up because of


then that kind of situation ya so ya you have different different situation different, point of view [loh] like for you you you you want to uh work there longer hopefully can climb higher for me it's I'm inside for so long and I've climb to a certain


position where it become stagnant so different situation ah,


move on


describe a time when you were heartbroken


ya I think communication between family are very important so it's like for me when I was young, because my dad actually work like different shift shift timing from us so and know he's the only bread winner of the uh the family so a lot of time uh between my siblings me


was spent with my mum instead of my dad, so like you know come to now that we have already grown up ah sometimes I just feel a little bit heartbroken that, you know uh, why why was the situation this way such the way that you know right now like we are not uh as close to my father as to my mother so sometime I feel a bit heartbroken also for my dad that that the situation in this way lah I mean we are still of course all the while trying to work uh make things work


and and uh know try to, be closer to him and stuff lah but thinking about, like how how in terms of the long long term, uh how it is like until now I just feel ah heartbroken at this situation ah


ya, ya so ya so it's like now that you think about it because of that situation then now it's like


uh, we are still good everything is good it's just not as close as to him, then to my mum then , sometime which I also feel like just I just feel a bit sad about, about it lah


, so is there okay ya you can go on to the next question


as for me


, as for me , in that my parent's generation uh most of them only have the maximum they have is up to poly uh certificate so so that's why in terms of like


uh this kind of family situation I think more or less still okay because know they just want all of us to to improve and and you know, get at least a degree in this this world right now I mean from their generation point of view lah so for my side it's okay it's only


more of like example like you know my mum's side most of not say most of us ah other than those that are still underage all of us actually have a degree but it's only whether you are getting a private degree or a local degree but you can see that on this


side of the family they actually encourage all of us and we look up to each other to to to be able to achieve a degree then whereas for my father's side is lesser of that but everybody is achieving to get a poly cert or degree but, it it's more of like really


at your own pace lah, we don't really like don't really like from the uh no rivalry on don't not from the parents' point of view to to you know directly tell you oh you know uh or or hint to you that I look down on you but overall the the the relationship and situation is still okay


from from the relative point of view lah ya but of course if it's from friends then if you have better off friends ah you know they will they will actually like uh probably I mean like there are couple of really uh


toxic friends lah who will actually look down to to say uh, like, in terms of your career and stuff, ya so uh it's always those better off one who are like in my in my current position probably it will be like you know those people who are you know uh far up in the ladder in the big firm or they think firm and stuff that


are actually like ya ya papaya lah, ya so apart from, then apart from that it's okay ya so so last question


different ya different people got different different plans for life, but of course ya lah


(mm) do your best and and push away all the (ppl) negative negative thoughts


okay wait ah hold on okay


(hmm), okay so, uh


what makes me persevere in in my life is ah , for currently you know have long term goals with, uh with my spouse on how to improve on our our future and life so


uh it makes me really , ah makes me really uh, ah positive about my life, uh ya


so , uh in terms of these dreams, actually coming to , when you're younger you really had dreams that you can follow and stuff that you really want but


coming to now at least point of the time sometimes I wonder like you know what am I going to, to do with my rest of, my life you know do I really want to continue doing what I doing in my my finance industry that kind of thing so this is more on a personal level


ya so if you ask me about my dream right now uh of course you know I'll dream that oh maybe uh you know I'll be, be uh, on a stable stable life where I'll be able to travel around the


world with no worries, and stuff but uh, apart from that, uh I'm actually still, looking out for, personally personal level on my next goal on what I really want to do but on a overall basis like together with my spouse we do we do have some uh future plans and goals together


that ah ya make me, make me have ah feel ah positive in life although you know I'm still looking out for my my next goal so how about you


ya especially we are ya


, (mmhmm), so as all of us are in the the the, post COVID world now so who and what are you uh really like, thankful appreciate towards


, ah so ah for me wise uh I'm thankful for the the new uh work from home arrangement so I get to have uh more time


being being at home with with my spouse like you know spending more time uh although during the the ah first two months of the COVID, uh the CB period really ah you can't really go out anywhere and you know you feel really quite stuffy being at home all the time but


you know ah it has passed and now you know I'm just thankful that uh there's such opportunity where in my current job I get to you know work from home to to experience the life where you can have some more relax timing on your own ya then uh of course I'm also thankful that


you know in this COVID period, ah that uh I'm still able to keep my job because, I may not be in the that shoes but, I understand that there maybe people who are actually in a in a tougher situation right now so you know I'm thankful that uh even with the the COVID


uh, issue my life had still been going quite okay ya


(hmm) so , know when this pandemic will finally end what what are the things that you you look forward to most, travelling definitely that is on everybody's mind


without wearing the mask ya I really hope that I don't have to wear the mask in this humid weather in singapore, yes


, so ya so more or less is no no mask and then finally we can travel around the world


ya, I mean like you don't have to limit to five people visiting a house as well, ya then uh more more big scale event can happen as well ya


if not now it's like a bit like, the anti-social society , ,


, okay so let's go onto the next one uh, remember any ah time when you experience personal growth


talk talk about time when you experience personal growth


, no uh for me it's also when uh when you were young when I started in my first uh accounting job you know I was like so passionate about it you know just doing it every day until a certain point of time when I realise that eh do I really want to always be like


stagnant this way you know that's when I started to look out for uh ways to to improve myself and to progress, uh, in my career ladder then you know that's when I realised that uh you need to start thinking ah from a different perspective at different point of time in life


so from there you know you go on to to actually improve yourself, to the next level ya so it's always through jobs and and as time goes by then you know we we we we find out what we actually require at each point of of our life lah to grow


uh, uh maybe the company trip I'll leave it for the next twenty minutes but of course ya no lah but really , in terms of trips I'm really damn thankful that uh you know being with my my current ah company I get to travel like almost half of europe already for like in in the past five to six years


and you know uh it was really great experience to to be able to uh go to to visit all these countries and uh of course I hope that uh eventually I'll be able to travel


more to more parts of europe later on lah after that pandemic ends, uh, then of course the best uh experience that I had was uh the japan trip, where ah spouse actually proposed to me during the trip


ya so that's a really unforgettable trip as well lah, ya compared to I mean it's the most memorable trip, ya how about yourself


also japan right


elevator !wow!


(mmhmm)


deep impression in in your memories lah, definitely we are missing japan already because of the pandemic ah


okay uh, now


oh they she just came out with her album, I know lah but she just came out with new album today, okay next time next time uh uh you you Jio me go ah


that's like maybe, ya, , any special event or concert ya I want to go to k-pop concert, now now totally no concert at all only online virtual concert


that then then there was a


oh my god uh, too many to to even remember how about yourself


for me too many to too many to even, uh pick exactly one to to talk about,


okay so what is the best surprise you ever given to someone


(ppl)


uh, uh so, financial related topics


uh, please share your knowledge about financial products banking insurance, investments housing loan products and your views on finance related matters you can make reference to personal corporate and


public government finances, so, uh the first question is what is one financial advice you will give to the you five years ago,


, oh okay so in terms of financial advice I would, uh, tell myself to start , younger when


I have the more more ability to do so and, I mean , when you are young you will not think about investment but, uh looking back now I think investment is a, very important aspect you should let your money work for you so


that that is something lah that I already uh I I get got to realize, what about you agnes


uh ya, I I (mmhmm) a'ah you can continue, oh ah


plan for your future is it, for for me I think it's also to recognize what kind of,


what kind of, things like versus stress stress versus goal that, that kind of uh, I would I would say financial assets that that, in their long term will actually help you so you should not there are some things that you should avoid but ah right now


ah I mean like along the way uh as long as you learn you realize that actually there are some things that are uh always in the market uh relevant in the market rather than uh like depending on how


how uh the market situation is so things like uh gold silver that kind of thing that is always uh valuable


okay uh,


so uh this relating to the second questions right uh should we DIY or get a financial advisors advisor to plan our finances uh for me I think that it's better to get someone who is knowledgeable in the area to advise you and


it should not just be one person it should be uh, you have you might have you might need to have second or third opinion to help you make your choice maybe for the start you can stick to one person but as you progress I think you should


uh yup have more opinion so that you can make the correct choice and uh for those things that you think oh uh it's wrong so you can put a stop to it


uh you can ya you can actually uh stop stop it earlier eh to prevent any other more incurrences


I think I think it's I think it's good to, know some things first then do your own research and then if unclear than you just go back and clarify


uh, uh


for me uh I will set aside the money needed for definite things like uh insurance that I need to pay every month, uh like, bills that I need to pay every month like phone bills, uh


things like that I will set aside first then I will, uh, allocate how much I want to save that month, then the rest will be just be uh, uh like spending money but


of course it, it may vary from month to month lah, but, as far as possible I try to stick to a certain amount of money to save, every month but, of course have to see ah cause


the situation now is different and compared to last time so, the money now we'll have to stretch longer than the money, like previously compared to pre COVID,


purchases ah big ticket items ah, I think by large it's about the same for, both of us lah ya


so I think, number four , what do you do to earn extra income or improve your income, level


ya I think ah uh, uh I think it's that's important also lah so for me I think it's, ya doing business is also uh uh an idea but


as of now I I I don't have any , idea what to, do although uh I think some friends wanted to go do some wedding, related business the previous time but uh


I think it's a bit hard now ah, but then , for me is mainly, letting your money work for you and also making correct financial plan so that your money will grow and then by the time you reach a certain age you for example you if you think that


yup if you want to start a family then maybe right now, you get pregnant then like let's say fifteen years down the road when your child is old you will older you will need to have like, pays school fees and if let's say he goes into university have to pay university fees so that is something that you need to think about so you need to work backwards on your timeline and then start


either you make your money work for you or you, put in the money and let it grow


oh it's back now


okay so on , ah question five right


so I think just now just now we spoke about this already so, uh, how do I meet my saving goals I think I think you have to decide what you want to spend on that month and ya what not to spend on


, what you need in the future months versus what you need now , , uh, okay so I think that brings


us the point of how do we spend our money, so what have you been spending too much on you want to go first, same


, I , I think online online is very , it's a very dangerous place it's just uh very easy convenient click and buy click and buy and then ya I I think okay lah in the first during circuit breaker you will spend a lot on


uh household stuff, then then after that you will spend ya spend after that you spend on your own stuff like entertainment that kind of thing


, ya correct correct


I think for me it's buying ya really cosmetics and facial things like things that you think you will do at home like


ya like facial, like mask that kind of thing and ya et cetera that that kind of stuff , ya


yes my renovation


!huh! I think I need to ask the strategy from you, cause you already have a house, ,


(mmhmm) what I oh soon


I think look look uh I think you have to really do a lot of research uh on what is the best value for money but also , what, uh the quality that you want for your house like, uh


ya you you just you just have to do a lot of research lah before you, uh decide to buy like sofa washing machine like what you really want the house to be instead of like, uh ya because it's cheap then you buy


ya, so I think you you need to know which ones which items are the ones that are you, you will not uh how you say you you don't want to, keep buying and buying because it it breaks down but you want want it to go long term


ya, but of course things happen lah so, just have to, ya like the like what, say lor for rainy days [orh] so you have to set aside money in case something breaks down unexpectedly


ya for me , uh for the vehicle my husband has a bike so he has to pay the installment uh petrol, and


the maintenance of the bike so he has to take care of it himself lah, so that one is beyond me but I think he has to portion out the expenses himself [loh] because that's his bike not mine , ya


uh, I think you have to discuss with your spouse like what, what is shared what is, uh like who who pays for what that kind of thing and then


ya I I think you just need to have a lot of communication it can be a lot of things like children it can be like you want kids or not you don't want kids then if you don't want kids then what are we going to spending our money on like holidays or which one is the priority and is a car a priority or


whatever that is I think communication is very important lah, , so before marriage and after marriage now for me is not too much difference yet so you still need to do your saving and


whatever but when the house comes whatever then we'll see lah but now I mean it's just, now it's just uh , getting ready like we we have a few ideas already like what we want that kind of thing but coming down


to do it is going to take some time what about agnes after marriage


, correct ah I agree


uh negative experience in your life, uh


what are the injustices of the world that make you angry, agnes you want to go first


, off the top of my head I think, like how people can some people can get away with doing, uh immoral things


maybe or not getting the correct justice that, they deserve after doing something that, uh, that is really like immoral, like, like when you when you see like a maybe like in india they will think that it's the girl who deserve to be raped that that is something that I cannot accept


or, maybe when husbands thinks that uh think that, the wives must listen to them I think, I think for some reason that that is something that I, in this century it shouldn't be happening ah that that's how I feel about it


ya, so , ya main mainly these two and, of course there are many others ah but, well you you cannot be thinking about every other everything I think it it will it will affect you lah


it will it will affect you if you keep thinking about it too much


, I think ya correct correct, I think in this this, capitalism world, ah I don't know like, money money is power [loh]


so when people get away of things that, they should be punished for then, uh ya then when this is when you start feeling angry about it, , same same for you


uh same is it same for you, uh, what is your most embarrassing moment


I think it just happen like, , two days ago for me , the the mask thing after , after eating then I for a good ten minutes I forget to wear my mask


until my friend realize , I told you that one the the one outside three one three, ya then we realise that, I never wear and then everyone looking at me, with one weird face


any ah


when was this when was this, oh


ya after that I remember that during poly right I, I was in class then I was hungry and then the lecturer was giving a lecture and it was a very small, group and then my stomach, just growled , my stomach just


and then my my friend ask me uh my classmate asked me whether I was hungry then I said no then he said but your stomach just, made a very loud noise so that was very embarrassing for me


ya , so but then I took it but but it's like uh good humour lah I I, it was like, it's it's not the bad kind of embarrassing moment for me


ya, it's like oh okay I realised that what that what the noise was ya then I realise I, hungry , uh, describe a moment you feel you were treated unfairly


have or not


, , , I think definitely have lah, cause work place is


different kind of people lah, or there will be people who don't agree with you, then ya then you get treated unfairly lah so uh what to do it's either you


don't bother, or you fight for it [loh]


correct [loh], , dream that die a little when you have to not that I can remember now eh


wait you give me some time to think , you if you have any


ya maybe I agree with you, ya because last time I thought, when I was in, the government sector I thought actually I could stay inside for at least like ten years, or more but , ah sadly I didn't last so


so I I think that I, I thought like, joining the government sector can, has a lot of prospects and and then you can actually uh, directly help the people that you need to help lah which is the public ah but


uh turns out a bit different for for me then, ah I feel that uh, things could have been different lah if if I,


if it was different people or different timing or or even different bosses so the the level of support for at your workplace I I think is very very important, to, and it will affect your decisions and your career path ya so I thought I could stay in stay a bit longer


to uh ya, climb a bit higher lah than than where I left,


(mmhmm)


because of them


, ya I think different [orh] different different


different uh things happen for us lah, so now it's like uh, I will just be in my happy place, uh whether it moves up or not, I mean of course I will not like slack and everything lah but


uh where I think when it, when it's your turn it's your turn [loh], I mean of course when you you can you hopefully with the good, good working performance, the bosses will notice you [orh] of course you have to do the effort yourself


ya, but when you put in your effort and still no recognition then I think it's maybe it's time to think ya reconsider your your time in the company [loh], ya, maybe you should go out there and breathe some fresh air and breathe a different kind of air


ya , , , heartbroken


I think for me it's not really about the relationship with my spouse but I think, uh if your parents don't understand you enough then but they keep insisting your their ideas on you I think after a certain after uh sometime you


feel disappointed and like uh let down, that's more of that ah, it is a bit partially heartbroken but, , I think when your parents don't understand your despite explaining


a lot and many times then and then they, they already say that okay they understand but after a while you realise they don't understand then I, I think that's where it becomes like a semi, heartbroken thing ya


so spouse not too much yet, so ya, that's the part for me


, I think he has no choice also lah he he also need to earn money (hmm)


, ya ya [loh] so uh, uh it's quite a time when you were


maybe I'll I'll talk about mine the time when I looked down by my, friends or relatives, I think there are some I think for me my uh I think you can , tell a person's true colours when something happens like when my grandpa passed away then my youngest aunt of the family side I think she


she all along she she didn't she looked down on people, with no uh, uni degree, so I I don't really like it, uh, and then she only I also know like she talked to me only because I because I also have a


so called a degree lah from from a university uh and then she she looked down on people who don't have degrees which is like, my parents my my aunt my basically her elders also in the family so


uh I I think , ah not not not too comfortable with that lah because after all she, she was the youngest uh daughter-in-law and then, uh


there there's there's no it shouldn't be happening and the fact that she, look down on my parents that is something that I cannot accept because I don't look down on your parents why should you just because of their education level ya


so so I think not directly at at me but uh, rather indirectly to my parents and, you you can actually can feel the impact on you also


, no rivalry lah


, I think for that I come to ah never mind continue, , I think for me uh I think I already come to terms with that lah so if you want to look down on me just because of all this career options and choices then so be it it's not that I


didn't try or didn't strive to I'll still continue but I mean, you want to look down on me then I cannot help it lah I mean, different thinking ,


yup I I think I think it's it's like this [loh] so , I think just do your best


(mm)


okay uh ready, ah , uh have have a heart to heart chat regarding your positive feelings


oh the okay okay sorry uh positive experiences oh in your life okay ah agnes you want to go first


so not your your, your dreams and hopes make you make make you, uh, go for the long run ah


ya I think I think what ah a common goal of what you want in your life with your spouse I mean because it applies to both of us ah I think it's very important ah uh I mean of course for yourself


uh yours if your spouse is supportive you will feel more positive in, going after what you want, and uh vice versa ah if if you're supportive of your spouse and I think it's uh it's a something that can push them to go forward


so I think I rely on that quite a bit and I I think also the, uh, support from friends are also quite important ah because they are the ones who are going through life with you also they also going through the same phase in life ah


for for both of us, so I think ya so I think sharing experiences is important ah and it helps you to look at things further and if you think that you cannot reach some goals already then maybe you should just


rethink about it but I think ah generally !aiya! still looking around like deciding really what I want to do in life but, but I mean, it's not a hard and fast rule for me lah I die die I need to go somewhere I I need to


uh reach a point on somewhere in life but for me it's I think in life, uh I think I think if if you achieve something lesser but you're just still happy I think it's it's still worth it it makes up for it rather than you're miserable and high up in the corporate ladder with nobody to share with


ya


, I think, ya I think being able to connect with friends and, having friends connect or making effort to connect with you, I mean cause you're at home


most of the time nowadays ah with family so, for family ya because some families right they, didn't have habit of like seeing each other every single day then it's a bit weird that sometimes like you have to see each other very long hours now then you you I don't know you get a kind of cabin fever lah that everybody


most of people talk about, so I think you having interaction with friends and uh also extended family is important uh, ya I, I think that is what I'm appreciative ah and of course the support from government is well we we did make the best of it lah so that that one also have to give some credit to them


I don't have , ,


, I think same lah you just ah also my ah the work place that I am in is uh they they are quite helpful so, they had a arrangement with, uh


NEA to do different jobs then, uh, ya at least I still have a job still have some income uh I I don't have to be I am not like uh out of job like other sectors even though my sector is a tourism industry still supported by the government ah so uh that is something that I'm grateful lah because if not then the financial burden will be on


my spouse, and then ya it it will not be very nice ah because he he also has, uh indirectly a pay cut which is uh no pay leave,


look, travelling


uh going out without thinking about the mask , ya, I think the the mask is more important than the handphone now no handphone you'll be like


still okay because if you go out short time okay lah ah you cannot have you cannot ah ya you cannot be without your mask and maybe your IC , ya


ya and then you don't have to, stand one meter away and then you can just go to a restaurant and have a seat, quickly ah ya ya correct


, ya, oh also ya the economy must recover lah


in order to enjoy all these things, ya if not also a bit difficult lah if, uh, ya if financially we are still affected lah like people getting retrenchment now,


uh which question is this personal oh okay, personal goal, I think after my first, , ah permanent job as a civil servant I think


that really uh , make me think through what I really want to find in a job, and what I for myself it's, uh how much I I let people step


over me before I call it a stop and, things like what are your, , what are the terms, and, conditions that you live with ah like uh, like don't uh like you I realize that I hate people micro-managing me they need to give me the trust to do my job and if I'm not clear I will ask them and they don't have to


ah babysit me all the time and I realise that it's something I I I don't quite like and it doesn't sit too well with me so , uh so in my current job I'm I'm glad that my bosses are the kind that I can talk to ah


frankly and are more upfront and, uh ya I think that is what, that what uh that's a part , the time when I had very personal growth ya, and I realise that also


uh, I think your personal relationships cannot take overtake your work, ya what about agnes


(hmm)


, ya, correct so maybe we can


describe your travel experience that left you in awe, after all the, company trips you have


ah okay can


, , ya ya, I also very surprised for that trip okay lah not very lah but , what , ya ya for me also also Japan I I think I think the way that


uh that country works is, they think of the human touch all the time like you go toilet, uh it's very basic things but you can tell that the, uh, the engineering part has gone through some really tough thinking like how the human body works and


and uh how to , like the economics of going to the toilet like like what kind of thing you need uh, uh , like your buttons where you where you position the buttons and the kind of music that people want to have like when they're doing their business and then right down to the things like when you use your cutlery like


when you open, uh a packaging like how would you open like, would you open this way that way and then which is the best way to open and not, spill yourself which is uh something that I'm very uh


surprised and and really in awe about because, I think if you compared to other countries, I think much more and ah thinking has gone through in that society and that society is very very advanced


uh, I will say even more advanced than the US cause ya I mean I mean ya lor the the way they they do things is really different ah and, my I ah when I went to


japan the first time with my school , the host house had a, elevator , that that's something for me ah elevator so at that that uh, at that age I was very uh


intrigued and ya, I was like !wow! your house got elevator , , I mean of course they ah they have a lot of land also lah so, very different lah the the things work very different there lah and their timeliness is ya cannot compare to us lah


so I think for both of us japan it, japan left a very, uh, japan very, uh I think left a very good impression


for both of us ya, so ya I will go back japan, alternate ya, ya if can


okay uh, I don't know you got any special event or concert to attend, , , like future I think I want to go to a taylor swift uh concert


no I want to see the concert , it's different okay I I but next next time next time if if there's a, chance


so if we can get a tickets ah because they sell out five minutes, ya


I think their virtual concert is very different , uh ya, do you wait do you have a, what what's the best meal best meal you ever had


uh, ya also too many but I think , I think one of the best thing I ate was uh recently last year in japan


the, it's a very simple thing the barbecue steak uh outside, ya the barbecue , uh , wagyu beef from outside the


temple, I think it's very cheap but so good I can still remember the taste ya so I think that is something that, uh, I remember for now very deeply


, ya too much good food in this world, if only the food should return


uh what else


uh best surprised ah, I don't know eh I think maybe I I, ask my husband's friend to meet him during his birthday for a meal but I made them wait for two hours


, , ya, okay, you all you all can still hear the you can still hear the bird


okay okay I [ah] cause the evening in the evening time the bird will come


okay so topic one financial related topic, so, the first question


do you, have personal insurance if so share the details like example name of the provider name and feature of the policy, and your experience with the policy if not why do you choose not to have insurance, well for me I do have uh insurance which is under AIA


and the, name of the policy is the AIA hospital, income so what the insurance actually covers is that, , when you are hospitalised they will cover like they'll give you additional income to help with your hospital fees so they will provide like five hundred dollars and then they will also allow you to


they also cover your hospital fees like your, like yours your wards like, like whether you stay in like, , class A to C wards they will help you to cover parts of it, then


I have not, experience the insurance yet so I do not know whether if it is is that effective or not, so ya


okay, for me right I do not have any endowment plan before so I have the thoughts of like opening one like


like, investing in uh endowment plan cause like you can, it's like it's risk free also like I heard many good reviews about it then , like the it's also able to like , cause I heard that the raise are


incredibly high but if do have like high, high returns the risk will be higher also , so, I do not mind trying it to see the so that I can set aside like some savings too


for the future,


yes , and for question three, buy term and invest the rest, do you think do you do you mix insurance and investment or do you keep them apart


I agree that investment is and insurance are like different things so I do not mix them together and for now cause I still feel like I'm quite young to invest so maybe in the future I do not mind investing but it's also quite risky so


I will study more into it then I will consider like investment in the future, then, for question four term life insurance or whole life insurance which do you think is better for you


for me I'll also choose the whole life insurance cause I feel like it's much more better to like let it cover for me, like like through my whole life instead of like just by term by term which is like more, which is more


troublesome if I am to cover it like termly so for whole life will be much better, and, and I do not have to like, keep worrying about uh whether or not uh, do I have a insurance that covering me and I do not have to feel like I need to renew the insurance so it's like much better choice


then moving on to the next question, do you have, ILP investment linked policy what are your thoughts on including ILP in your insurance portfolio


well for me , I personally do not like I did not hear of like this investment linked policy before and, and I do not


mind like like having it included in my insurance portfolio the next time the future so but before I do I would like to like read more into it and to understand like what are the benefits and what are the coverage on it, first


before including it into my portfolio, so ya


well for me the the CPF insurance coverage I feel like it's not really enough for as a insurance coverage cause it just it only like


covers our health care and it does not cover like travel insurance and, and also like school insurance so it's like it's better to have like more like you rather have more than less so so I still feel like the CPF insurance coverage is not enough


then for my thoughts on the dependent protection scheme is that it will help me to cover my, like in the future if I were to have like any like accidents or whatsoever then uh it will like set aside like some sums of money to protect


to help me do like protect myself and to help to pay the hospitalisation fees if in case like I do not have like any like enough money to pay so like it's better to like set aside some funds then for medisure life


for this, I feel like it's a very good like way to reach out for singaporeans cause it encouraged the singaporeans to like monthly like to set aside like some CPF funds then you can use it to for like your medical fees


and any like hospitalisation fees can help to cover it then you do not have to like worry about, like you don't have to worry so much about the like the payments at the end so it's like you can still pay for yourself but it's like parts of savings


then for eldershield, , in the future if I'm like fifty years old like, , because when you're old you have like a lot of illnesses also so if when I'm old already then like maybe I I'm not able to work anymore so the eldershield can like support me uh financially and to help me pay for my hospitalisation fees so I do not have to like worry much about it when I'm old


and for okay, for numbers question seven would you approach an agent or, DIY when it comes to insurance planning if DIY what how do you plan your own insurance


for insurance planning I would first approach like a professional like a agent will be will be much better cause I don't know I might not have like, a proper knowledge on insurance and how I might have like lack of insurance or like any misunderstandings so it's better to like approach like someone that is much more


like have better knowledge on it so they can guide me, about the insurance so and if I were to have like any questions I can like also approach them and do like uh so that they will answer my benefits of doubts and from there I can also learn from them


ya for me I also feel like insurance is an essential expenditure cause it can helps to like cover you for like medical and any like health care issues and


and if like in the future if I were to like go overseas for studying I I'll also have to like buy insurance so that it can cover me if like anything were to happens or like it can also helps to pay my overseas like school fees, like so it's like much more better to have like some uh insurance to help you so you feel like much more safer like it's like something to like protect you also so


, what what do I look out for when buying an insurance policy for me, , to look out for insurance policy I will first I will look at the benefits that they provide from each company so I will compare them and see like which is like much more better like which one will like


provide me the most benefits then and also on their coverage like what do they cover and uh like the coverage like uh able to benefits me in the future or, like , like are they like much better so and for the rates also so I will compare like uh which is like more worth the price and uh which is like much more popular


well


describe something you watch or read that gave you goosebumps for me something that I watch is like


that gave me goosebumps will be annabelle so I watch all of the series for annabelle and like conjuring insidious all this so it's like when I, watch it then I feels like


like for annabelle I feels like oh , like I did not know that such things existed like, like a doll like it might look cute but it's but it actually have like some demonic spells related to it and it's like which is like quite scary and like it just give me like goosebumps in a way to to actually like when I do actually go back home and to look at your soft toy and thinking like


they might look cute but in some way they they might be evil also like they might have some like like demonic spells on them but you never know like, like maybe like like when you like, sleeping in the night or something they might be alive but it's just like you do not know


for me I will talk about recall a scene from a movie that make you too angry to watch so I actually watched like this it's not really a movie is more of like a drama which is uh a korean drama the name the name of the drama is the world of the married so


I remember a scene where, ah I'll talk about drama a bit first so, the drama is like about this uh like a third party woman like, breaking this family aparts so, like I was very frustrated when I watched the scene where the where the woman like like it's like the main character the wife she


like she actually plan her uh birthday party for her husband but then her husband actually like invited the like his mistress over and , and they actually have like like this like party at a yard then right in front of the wife they held hands like and the husband was like thinking that the wife did not saw it


which was actually like very angry and frustrating when I when I see it if if I was the character I'll feel like very angry and I would definitely like confront them and, to say like , like I planned something for you like and then you did this to me it's like it's like some kind of betraying so is ya it really makes me very frustrated when I watch it


okay so I'll talk about a time when you hurt someone's feeling so during my


days in ITE I I actually like cause I'm actually like known as like those like as a like you if you see me you will you see like I'm those like very like empathetic person so like I will relate to someone else so


so it's like hurting someone feeling is like impossible for me cause like I will feel bad for like for very long time , so, but then I actually have like this friend, in ITE which was like she was just too toxic in my life like I just feel like like she's too much for me and and that I shouldn't have her in my life anymore so so I actually like thoughts of way to like avoid her


but avoiding isn't a way to to like to like let her learn her lesson and stuff, cause she just kept being like even more toxic and like spreading like rumours about me in class so so I think like okay I really need to like confront her and to like tell her that this is wrong so so actually I asked like my other friends like


how do I like confront her and let her like learn her lesson so , I actually like write out like a super long text to tell her about all the negative things that she did to me and hurt me in some ways like so,


I actually sent her like saying that she is like she she is just too toxic to the point where I feel like having her in my life is just like too much for me to handle and that and that I do not need her in my life anymore so


I think it did hurt her feelings cause , like, after that in like a few days she decided to like quit school somehow but at that point of time I already feel like , like she's trying to gain attention to like play the victims and stuff so I'm like


like what I did really like, like maybe it did not it did hurt her feelings but it did but she did not reflect on her own doings like like why am I saying all these to her like like she should reflect on herself and and not like gain like attention from it instead


so, so ya


okay for me I'll talk about what frustrates me so for me is that like I I don't like it when like cause in singapore we have like more ageing population than like those of young young population so


it's like one thing about the elderly is that they have this mindset that because they're old then they're entitled to everything so , during like the COVID like the circuit breakers period I actually worked at this part time job which is like some temperature screening job


so, it's like some retail one so for there because like retail they they put customer service as the number one top priority so it's like , but, but for singapore rules during that circuit breaker period is that we can't have like more than ten people entering a shop at a time so so I actually like told this uncle to like wait first wait for his turn to enter cause the shop is currently full but


being an elderly he felt that he's entitled to be given the priority queue to like, to, so that he felt that he should enter first instead of waiting and that he shouldn't be waiting so uh it really frustrates me and we actually like and this actually lead to an arguments cause I'm just doing my job to like protect his well being but he's just trying to like throw his


like elderly card and saying that oh I'm an elderly I can do whatever I want and I do not have to wait which is which is like a different it which is like a very wrong mindset to have lah like sometimes when you like take like public transports like you know like MRT like like when you are like after a long day you just want to sit down but you are not sitting at the


like the priority seat and you are just sitting like normal like the normal seats then they will like just stare up at you and thinking like and show you the face that I'm an elderly you have to give me your seat, like it's just it's like the entitlement that they have is just not right and it's like and it really makes me angry for like


like they shouldn't have that kind of mindset, yes


okay


well for me I've been to chiang mai in like twenty, eighteen with my school for like some school exchange program so , cause for like singapore like we in our working environment is like uh mostly everything is like very rush very


have to like fast pace and everything like we do not have like enough time to like relax and stuff so when I went over there for like the exchange programs I actually work at the, like thailand very popular supermarkets which is the big C so I work there for like two weeks and when I was there I was really


like shocked to see like like they are very relaxing and , and it's like it's very different from singapore because I do like part time job in singapore also and everything is like very fast pace so if I'm like like do it very slowly then my boss will ask me like uh why are you so slow like the customers are waiting but when I'm like in chiang mai for like two weeks like


I'm, literally like doing everything in my own pace but to them it's like you are doing it very fast like just take your time take your time so it's like one task like like my my role was to like put up those like stock up their shelves on the


like for the food like canned food and all this so I so like one box I can, do it within like five minutes which is like quite fast for them so they will ask like you one box just take like one hour or two hours like just slowly do it so like it's like it really like leave me like shocked to see like like is like very slow and like very different from singapore


so for the next question what was the biggest reward that you have ever received after doing an awesome good deed for me the biggest reward for doing a good deed was that there was once when I actually help these


like, old auntie so uh it's like she was carrying a lot of like bags of like, like she just finished grocery shopping so she has she left the fairprice holding like a lot of plastic bags and stuff so I think she was around her late seventies or uh eighties so


, cause I was like alone then like I see her like struggling with those like plastic bag so I just feel like uh maybe I can give her a hand, or if she's if she do not find me like like troublesome or like trying to bother her then maybe she will like let me help her so I just approach her to


like give her a hand then she just so she helped me then I carry the stuff back to her house and actually I do not like expect to receive anything from her so it cause it's like just doing it out of like my like, I just do it for like to help her like ya then and then she actually like gave me like she treat me to like drinking like this green tea although is like like something small


but, but to me is like very big like I'm quite proud of what I did, cause like, honestly cause some sometimes like when I see like elderlies like they're like some elderly which can be like quite demanding or like stubborn but but you just changed my perception on on on them after I actually help this uh


, aunty so I feel like it's quite a big reward for me


for me I'll talk about my proudest moment of my life so, for me because I actually like went through O levels which is like in sec five so but like basically I did not did well so I went to like ITE and like there was like quite a lot of like negative feedback about me like like like why people will be like why do you choose ITE right


why not poly like and stuff like this lah so basically like I was like quite like being thrown thrown thrown by all the negative stuffs related to me so but when I'm actually like graduated from ITE like so I actually get like


like all the director list and all these thing like it's just clap backs to them and it's like it makes me feel like I'm very proud of myself like to show them like , like it doesn't matter where you go but in the end it's like it's yourself so it makes me feel very like proud of me like for something that I achieved and I did not care about what others say about me


well for me why I want to be alive is like , basically I always tell myself like whenever like I feel like I reached a point where I feel like like, all the negative thoughts on me like coming to me and asking me to like


like, to like which lead me wanting to like commit suicide or what I just tell myself that uh in the world there's like, so many food for me to try so I want to like , , try to like travel around the world then to like try all of the different delicacy that are being like offered out there so it's like a way to encourage myself also then another way to encourage myself is to because I like to watch korean drama so


like there's still a lot of korean dramas that I haven't be able to covered too because of like school and work then so I tell myself that like like you have to like finish watching all the koreans drama, ya so it's like something to encourage me then do like makes me want to be more like alive and


and, just don't be overwhelmed by all the negative stuff so for the next question is , describe the moment when you felt the luckiest so for me when I actually have my first internship like I actually have to send in like


my, resume to a few companies that I've chosen so for one of my top companies was to get into this like very like popular events company so you know I just tried my luck


like , because I felt that my resume wasn't that, like perfect wasn't really that developed to be in that company cause like to be a very popular events company you have to like confirm like you'll be looking for like people that has like like better events backgrounds and stuff like this so


like I was quite shocked that they actually accepted me so it it was really like the moment where I felt the luckiest cause all of my classmate like they also put that as one of their choices but I was the only one that get into that company so , like I really feel very lucky to be able to intern at that company and to be able to put the company name into my resume


for me my favourite uh, uh, activity to unwind and relax is


to, me and my friends we'll actually like visit cafes so we actually go for like cafe hoppings and and it's like actually quite relaxing to visit like different types of cafe and actually like, lets me experience like a new


a new type of singapore so I'll be like oh there's actually this type of cafe that exist in singapore so it's like uh, uh, another way that I use to like relax is to like I will go for movie marathons so I'll always visit the shaw plaza at balestier road around there so cause is a quite old


, run like a rundown shopping center so it's like not much people visit there so I will just like visit there and, then I will like me and my friends will like buy like one whole bunch of like movies to watch so


it's like quite nice also lah to watch like movie marathon so it's like a way to relax when when I'm like to having like too much stress from studying and like others types of stress also, okay so


okay for me I will talk about what leads you to experience an adrenaline rush so for me I like I like to sit like roller coasters and I like to take like those


like dangerous rides like for example like you go to like wild wild wet they will have like those free fall so I will like I will always be the one that want to like take those type of rides and and it's


it's like at first you will be quite scared when you are like in there itself but when you like actually after a ride you'll be like oh my god is like super fun and like very worth it then I was I would always like whenever I visit like universal studio also I will always take the red and the


blue roller coaster so , the blue roller coaster would be much more, , scarier but it's like it's the type of things like like more scary it is then it will give me like more adrenaline so


it's like fun at the same time but scary also


ya so like it's somehow it like relieve your stress and it's like cheap thrill also like


one two three


okay uh for me right personally uh I have uh also use uh insurance under AIA and my one is the A plus total health so basically that one right is a very comprehensive medical coverage for myself and also


err I mean it's actually bought for my by my mum lah so basically , is is a top tip top to toe or coverage it it means any uh any like uh health problem that you have regardless of whether it's cancer or uh like you know just uh


for you know you get covered uh whenever cause it's like the top to toe cover so basically because I haven't, like have any uh accident in a way so uh this uh I haven't got to experience the insurance, the whole benefit of the insurance in a way lah so ya


okay so the next question is do you have an endowment plan if so share the details name of the provider name and features of the policy and your experience with the policy if not why do you choose not to have to have an endowment plan


ya for me personally I also don't have an endowment plan because basically because at our age we don't we haven't like actually suffer from any health illnesses as in because we're still quite healthy in a way so we


basically I don't have any plans for it in a time being but maybe in the next five years or ten years I'll might consider because I realised that , even like uh for this for this policy right it's actually very good because for up to ten fifteen or twenty years to a certain age limit you can pay out you can pay out regardless of any critical illness so let's say you got some very very serious illness that you never know that you got it you know you can you can just pay out


so it's some cause some uh insurance policy does not allow you to do that, like it only uh, covered cover up to a certain kind of like uh coverage so it doesn't cover up to critical illness like those with cancer or maybe leukemia this kind it's very hard for them to get a payout high enough to cover them so basically I feel that endowment plan is a very good policy because it helps to cover everything from head to toe yup


uh personally for me uh I feel that uh insurance and investment is is two very different thing because uh I personally do investment, uh maybe if I if I do investment I'll do like forex uh the step stocks markets uh I don't do the insurance cum investment because personally I feel that it's still a very new thing to me and personally because I am


uh, more used to doing uh forex or uh buying stock markets of like maybe uh changi airport groups that kind of stuff is is like a very traditional investment scheme so I heard I have also heard about those , insurance uh insurance kind of like uh


ah investment lah but I feel that uh is not very , useful for me at it uh at this point of time so I feel that maybe I will consider next time but I think it's something good to have as well ya


personally I would, say that uh whole life insurance is better because uh I rather have something that covers me


from birth, even like from birth all the way until uh you know if anything happens to me or if like any illness take me away or even like I die of old age is good because I don't need to keep buying insurance along the way and because the thing is


you don't really have the luxury of time to keep doing that lah and secondly uh sometimes uh insurance changes a lot like very very fast so, I feel that uh it's very hard for me to keep up with it so I rather buy something that cover me for like long term kind instead of doing buying that the term life that means like individual terms then you buy different kind of insurance I rather buy something as long term at fast


it's easier for me to manage as well lah I would say I just pay like monthly uh fee to cover it up only that's all ya


okay err basically uh I feel that


it is something interesting something good I recently only heard of it, from one of my friend that is selling insurance lah so basically she actually helps me to link out uh how much money I have uh, for my salary as well as uh how much is put aside for spending and how much I should put aside for saving and how much I should put aside


to have like a passive income which is investment kind of uh uh thing so that your money instead of leaving it there in uh bank account to collect interest why not just let it like grow I mean it's a different kind investment from doing like forex and stock market I mean this one is doing like uh


it's basically savings but, explicitly high uh interest rate but that amount of money has to be put inside the bank account for a very very long period of the put inside the insurance, investment for a very very long period of time before we can take it out so basically I feel that it's very


uh new it's actually very new to people like uh us but I mean for me because I'm already I'm like in my twenties uh and I'm already working full time so I am very keen on something like this lah I would feel that in my insurance portfolio I will actually go for something like that, you know especially if there is uh financial adviser to advise you on how to go about doing it so everything will be much easier than you doing your own investment in uh your own pace basically you have to do everything on your own so it's very hard for you to gauge as well


so uh do you think CPF insurance coverage is enough for insurance coverage, what are your thoughts on dependent protection scheme, medishield life eldershield medisave so personally for me dependent protection scheme basically I feel that it's something to protect yourself so basically like in a case that uh your medishield medisave


and any others existing insurance cannot cover at least you have uh, something depend that very very dependent and something that is very very high uh uh on your, on your uh coverage uh to make sure that


you are covered you know you are covered so that you know anything happen to you you still got money anything uh accidents happen to you you are still save so basically uh I feel that, as a singaporean uh it's it, is good that the actually our government think for us to have medishield life and uh medisave so basically right the money


uh will be top up I believe every year uh maybe uh after that as you grow older they will give you more money as well so that you can go and see a doctor you can go and do x-ray anything you can use the money basically if you do anything in our in a local, in a local public hospital you can use medisave for almost anything so that you can uh have a good check of your health so basically for myself I actually


did use my medisave for a scan, uh to check on my health lah so basically it was is really good I don't need to I need to I don't need to use my own pocket money to actually uh to pay for it so I feel that is actually very good for me I feel that it's very very uh good backup plan that the government actually helps every singaporean to think of lah in a way yup


and also for the eldershield I feel that uh next time if I'm older and let's say fifty years I feel that uh is it is a very good thing because uh at if I never know that whether I will be financially stable or not let's say in the pretext that I'm not financially stable uh I can have the eldershield to protect me


uh for the rest of my, life until maybe I pass away lah so basically uh it'll help to protect me if if I have any health problems or financial problem in a way yup


ya okay so basically I would, approach an agent uh personally because even though sometimes uh I know the agent try to push you to buy a lot of different kind of insurance but honestly honestly uh DIY is not the best idea if you have zero financial knowledge or you have zero financial understanding as to how insurance work and even how some insurance investment work so basically I feel that


I will rather like my insurance agent handle everything and if anything happens to the it the the the plan itself I can hunt the agent so instead of me doing all the thing I pay money, every month to let an agent settle everything so he or she will update me, every month on how the status of the uh how the status of the whole thing is and how uh the how the


uh plan is going for me lah so basically I rather personally get a uh insurance agent to help me out with this lah so DIY I don't think is in my I don't think is in my plan yet lah because I have zero financial knowledge and I have zero financial knowledge especially about insurance that's why I rather let my agent do the everything yup


so moving on to next question uh what do you look for when you're buying an insurance policy do you see insurance as essential expenditure uh for me personally yes insurance is a essential expenditure maybe one two years back as uh still as a, uh adulting adult I wouldn't think that is important because honestly first thing I got no money second thing uh


I I I feel that eh I I I uh young I cannot get I cannot won't get injured so easily I won't get hospitalised so easily but actually everything is wrong until one of my friend actually just got into accident and he or she got no insurance and it's very hard because it's the medical fees is very very high so basically I I'm thankful because my parents help me to buy insurance and


I'm looking to buy some in the future one two years ahead because I I realise that I do need some for myself that, that the one that my parents buy for me might not be enough to cover whatever that is happening for me yup


yup personally for me I would choose uh insurance that are helpful to myself as well as for my family to decrease the burden just in case anything happens to me any uh health problem that I have that I cannot work forever so I make sure that I buy insurance that


are able to pay me uh uh able to give a monthly pay out to me every month to cover for my uh expense at least for my own expenses so that it doesn't I won't I won't become like a burden to my family lah, so basically another thing that'll be best is I was looking at uh AIA vitality so basically you buy a insurance with AIA you can top up for our vitality so basically you can do you can get some uh promotion you can get some uh


uh exclusive benefits as a partner lah you can get some uh discount after that you can get some uh discount off insurance premiums is discount on airfares and different different stuff, so this kind uh these are the kind of things that I look for when I buy insurance exactly so something that will help me to really burden off myself as well as my family lah I would say so this question is uh what kind of uh


what percentage of your uh your income do you spend on insurance how much coverage are you getting from your insurance, , so basically uh for myself right uh I


no I I don't really uh spend a lot on insurance because I feel that at this point of time I just get a basic plan so I spend maybe about ten to twenty percent of my income just on like insurance because uh it's like a very uh cheap plan maybe I just pay about three hundred dollar a month only so there's about maybe about


ten to twenty percent of my uh monthly salary so basically I, I buy something that is not too burden on my salary lah so I buy within my salary means also uh this, this uh this uh insurance I mean helps to cover the most basic ones so if I get into any accident it helps to


(ppo) (uh) helps me [lah], yup, ya (ppo)


okay for me personally I actually like to read, uh, stories and of like crimes that you know all all around the world, so basically I read a singapore one which is the <P2>huang na</P2> one and also like some mostly I read one is like americans


horror stories because uh I realise that is actually you never you never know that human is so dark and so scary and actually human are are the worst species on earth uh aside from insects and animals because


you know really when when they actually uh angry and when anger take over their mind their brain right actually when they kill people right is really really uh heartless and it's really really out of this world because, like uh and it's really like you never thought that you know you will find the body in a few years in under your bed or maybe under in a garden you know it's really really horrible because


it there was actually a a a video clip on youtube about it like you know the different different different captions that you know you don't need to watch the video to feel the the the goosebumps you just read the caption and you'll feel the goosebumps, and I feel that you know after I watch like series after series I actually feel that no lah how how can human be so scary and and honestly it just


give me the goosebumps because you don't know whether like sometimes like people that you talk to it might make be seriously it might be a murderer because, I watched a video and I realised that this person look like a complete nerd, but, ends up murdering a lot of girls


because he has a obsession with girls so you know like you know like sometimes, you know it just makes you think after you watch just makes you doubt human doubt like what how people actually bring themselves to kill so many people and find the thrill in it and I you know just really give me the goosebumps because I will never expect anybody to do that lah I mean I I I


I'm lucky to living in singapore whereby the crime crime rate is low and then everything is good but you know, especially I I feel that the one I read the most horrifying case is the <P2>huang na</P2> case you know like, I it just give me the goosebumps because the thing the real reason is nobody know what she really happen to her you know when she was dead what really happened to her maybe she was murdered was she's like sexually assaulted or was she you know was she just like


strangled like, maybe the guy is not the real murderer this give me a lot of questions and give me a lot of uh in depth thinking also lah but honestly really, the american crimes on youtube really give me a lot of goosebumps because is damn scary and it's it's very very frightening because you know you never know that humans can be so dark and so scary yup so next one is


you know describe a time whereby you feel that you have committed something gravely wrong and there's no way you can get back and start over, so basically uh I feel that uh something that I have done really wrong and I cannot start over is, when I screw up my poly one of my two of my modules actually uh because I actually uh you know I I really study very very hard for all my modules but I think the thing is I think I might have burntout you know when I was doing


that semester I I mean because I I was studying, I wasn't giving any space to myself to rest so I basically study, uh and sleep for two three hours then I wake up and study again so basically I I did suffer a burnout so I actually , didn't do well in those two modules and I need to do remod so basically when I remod right remodule right I need to stay for an extra semester


so when all my friends graduated, early I actually uh, uh I couldn't graduate lah so and there's there is no way for me to go back again because I cannot even if I retake right I have to go for extra semester so there's no way for me to graduate with my friends and no way to start over again because that was my mistake


I I didn't give myself any space at all so ya that was something that uh I feel that, is very very wrong, one of my biggest wrong till till this date lah and , and something that I cannot start over yup


okay, uh for me I will talk, about like a event that made me very angry so basically uh I actually do my part time degree right so I actually have uh group project many many group project actually uh and I have this


I I have so I have this group of like five girls and all of us are about about the same age in our twenties actually so basically uh we are working on this project and our the submission date is actually on the same day that we are all discussing our ideas so basically we are left with only


two to three hours before our submission and we still have like a few pages to finish and I already done my part actually so I was waiting for my friends to finish their part then I can proof I can proofread the whole thing, so basically right as so time pass time pass time time pass and it's already eleven PM our submission is eleven fifty nine PM so I'm still reading proofreading because the one of the lady one of the girl


she submitted late and the thing is, it's okay to submit late if you have quality work but the thing is everything that she typed there is basically copy and paste content which will actually affect our whole group work I mean it's okay if it's your own work but it's my work and it's my


peers' work also so it's our work five of us our work and our our and the most important thing is our work and our marks, it will affect our marks so basically right uh our so is like me and this two other girls who were trying to uh proofread a fifty pages


project so in one hour it's impossible so in the end we just try our best, uh to to you know submit a whole essay because the thing is it's impossible to finish and we could only finish to about half or thirty out of about, seventy percent and and and she and this the girl that actually did the


the, quality work like she didn't do properly the she submitted like very very bad content and then she has the cheek to say that, I didn't know the submission date is today that actually just pisses all of us off actually because we actually


is I mean not like we didn't say we actually reminded each other a few days ago like eh submission is tomorrow submission is coming soon submission is you know today in a few hours time we actually constantly remind each other in the group so is is actually very , agonizing is very angry because you know it's a group work and it's a group effort is a good result so you know that was


that was it just makes me very very uh angry and very very tired because I actually put in the effort to stay up, and I didn't sleep the whole night, a few nights actually because I was rushing the project because I ended work very late and I after I end work I bathe and eat I do the project but the thing is I gave I tried to give my best but the thing is I I give my best to hear you say that oh you're didn't know the project was due today so is it and the thing is it will affect everybody marks so is just a very


selfish thinking so I just got back angry and, you know after that we just submit lah because life have to goes on lah so ya, ya


okay uh personally for me I will talk about like uh, okay uh, in a post COVID, world what are some worries and anxiety that you face uh as someone that is


working full time and also because I actually have plans to leave the company after I graduate because uh, uh I mean in this period of time everyone that actually have a degree will actually you know want to go to somewhere new go to somewhere with a space to grow and in my current company it's quite hard


I mean I I do foresee the company growing but I I will think that it's not good is it will not be as fast you know will not be in the next one or two years maybe it'll take about five years for our company to grow and it's too long I cannot wait that long in a way because, I want to grow faster and and the only way to grow faster is to go to a new environment learn new things and hopefully grow from there and uh


and the and the thing is because , that was my plan before COVID strikes, and now uh it's very hard for me to go according to this plan because , uh I don't think that it's the good period of time to leave my job now because it's very hard to find a job because I have tried finding uh one and it will take it took me already about two months and I haven't found the right job because


uh people haven't be calling me to go out for interviews and even if I did have interviews nobody call back to give me offer so and even if there's a offer that the pay is not good as good as my current it it's not as good lah I mean what I mean is not higher than my current pay so basically you know in a


post COVID world I I worry about the jobs option, and uh and our essentials, and also whether how long this will take for the whole world to recover from this whole, situation because honestly right money is king I mean it in a way money is king


so uh, it is uh hard for us to gauge, how this whole experience will affect us lah in a way so uh for me I feel I I think about my job uh and I feel that it is something that will affect me in a post COIVD world because


uh there are a lot of people out of job and after this whole COVID situation end everyone will be looking for jobs also because uh there will be more job, opening and I'll have to yes there are going to be a very tight competition lah because I need to fight with many other people also so is very hard it will be very hard for me to


find another suitable jobs also yup


yup so uh I will talk about the time when you're unable to help someone in need so basically is not like, helping someone in need is more like uh I cannot help a certain a big group of people because I mean honestly I think we I think everyone of us like experience this issue lah so basically every time you walk past


on my way to work or on my way back to work or or you know on my way to lunch I will actually run into some aunties and uncle that actually sell tissue paper , but I mean I do give it to them I do help them out with maybe two dollars or five dollars and I will only take one one packet you know just so that they can


you know actually it doesn't feel like they are beggars you know actually they feel like they're selling something but the thing is, , I can't do in the long run I honestly can't do in the long run because I if I give two dollars or five dollars every day right not even everyday if every time I walk pass them I give them money right it will be taxing for me


and it was oh and also it's really impossible to help everyone I honestly feel very bad but, I mean, I I end up, for the next few days and even leading up to months I actually just walk past because


and I feel and I felt honestly I felt very very bad because I know that they are generally in need of help they just need that little bit of cash one dollar a day for one maybe just one dollar from ten people and it's enough for them for the day you know for them for like three meals


but the thing is it's very hard for me to, do it all the time because you know is is is, financially taxing and honestly I have other things I do have quite a bit on my hand now to pay for so, honestly I feel that is it's actually very terrible lah because


I cannot help people I cannot help them and ever and especially when you go to like bugis you know there's a lot of auntie at the at the temple there you know is is really hard to help everybody you help one you walk five steps ahead, and there's another one so is really is really


like, a few of them there and is really very hard to help them because for every two dollar let's say you were giving to five people that's ten dollars already, I mean honestly it's not about the money but it's more like, you know like it's very hard to help everyone because there are the thing is there are more than five there and


you know and sometimes you're you also doubt yourself like you gave the money are they really in need of the money or you know, they are being like, forced to like forced to sit there to you know forced there forced to sit there to take the money from people like us and then the money will go to someone else instead of for for their own medical use for their own daily expenses yup


okay uh describe a travel experience that left you in awe uh basically for me uh I did have a experience uh that leave me in awe because I went to my first europe trip uh back then two years ago


and that time was still I was like still just starting my twenties life so, I was a bit uh broke and I decided to go for my first europe trip so it's like uh I I wanted to go and do something different like go and try something different lah so uh I went at the time that it was a bit like winter towards the winter time so I


uh I went to the beach and that was my first time seeing somebody uh actually uh suntanning without their uh undergarments so I mean to be honest this is uh something that everyone, when you go to a european country you'll actually see it but the thing is it's my first time to a european country and and I only see I don't even see on like uh TV or even like on news so


that was I was I was I was looking at them I'm just like gawking at them I was just like I I just like uh keep staring until my aunt, told me to stop looking because you know that's like that's like how they normally go about doing it because that's how they can get sun before the winter come and they and they can't doesn't you cannot experience sun for the next uh few uh months so basically that was something that left me in awe lah in a way ya


, interesting personally for me uh I I when I'm in my poly days I actually join this CCA call uh, uh is it is something to do with uh boys brigade so basically it's like a


uh they have like they have a lot events that to do with like charities kind of things so basically I did one with them is called BB share a gift so basically we go to different household to basically to collect items for the first day and the second day we actually went off to drop off items that is collected uh that is actually given


by uh people that uh uh people to this poor families lah people families in need so basically , uh we where as we were giving it around door to door with my uh friends and my peers and my uh fellow group members right uh there's this actually uh I feel like out of whole thing right


we actually did not receive any material stuff like basically nothing we don't have any uh drinks or whatever but the thing is what we really receive that is uh the smile on their faces the thank you that they say that is, really something that is very very worth it something that is I feel that out of this whole experience this two days right


that's the biggest reward that we that we have, you know to do ever to be to be uh to be able to provide something for people in times of uh needs and in times of trouble because everyone have this uh troubled time just that for them is uh they don't have a necessity so


we provide it for them and they said like a very thankful uh thank you because that's the only thing they can give us so I feel that that's the biggest uh take away from there lah then uh ya, so next up I will say , uh describe the moment when you feel the luckiest so personally for me uh the moment that I


felt that was the luckiest is when, I managed to find a job right after I graduate from poly and also uh because , a lot a lot of my peers say that it's very hard to find a job right after you graduate from anywhere diploma or uni especially uni but for me I feel that


it doesn't take me a long time to find a job when I got out from poly uh actually took me only one or two weeks for me to hunt a job actually got the offer so so basically I feel that honestly I it was really I was really very lucky because most of my peers after they got off from poly they took a few months to find a proper job and some of them even take like


uh don't know what they want to do so it took uh even longer time, like about six months to find a job so you know I was already ahead of them and I feel that I was really really very lucky and thankful for my company to accept me lah in a way yup


yup yup , ya so what makes you want to be alive so basically for me uh I will talk about this because for me uh


the I mean, you being alive, is is very lucky because uh there are people out there actually fighting to live, and I I always I whenever I feel that I'm very low and I really want to go and kill myself or I want to go and die right I always remind myself that you know there are people out there fighting for their life especially in countries now like where we have this COVID virus


where I'm lucky to be uh free from COVID firstly secondly living in singapore and thirdly having uh the luxury of having uh endless supply of mask and also uh good medical help I should be lucky I shouldn't go and die because people in america and the others


poorer countries are fighting for their life because they can get virus easily because of the lack of medical attention and everything so basically , I want to be alive because people are there are a lot of people dying lah in a way and I really want to I have a goal in life I I know what I want to do in my future so if I go and kill myself or if I go and


like end my life now I think it's a pity because I am just starting my life now I am just starting, to, I am just on my on the way of my career and I want to be able to grow in my career now and uh especially when I'm just going to get my university degree soon


I'm not going to give up so easily because is a very hard journey for me cause I did my part time degree and honestly uh I feel that if I give up now it's going to be a waste of my effort and money as well so uh I feel that, uh, because I have a goal that's why I want to be alive to to so that I can fulfil my goals


yup yes okay for me uh, I will talk about , my favourite activity to unwind and relax so basically for me I actually do martial arts so I'm I practice taekwondo so for quite a long time since poly days actually actually since my secondary school days but after that because of


school and because of O levels I actually stop for a good two to three years until when I go back to poly in my year two I actually went back to taekwondo and I feel that honestly uh, if I don't have a CCA in my poly days like it honestly be a very regretful uh decision lah and also uh going back to taekwondo is actually the best decision that I've ever made and also also my favorite activity of all time because I actually have practice every two times a week two to three times a week so basically


after lesson after my uh classes lah normally CCA starts about six to six thirty PM so after that I will go and uh we will do some kicking and we do some fighting and we will actually uh actually fight opponents and sometime we do a bit of other things


so I feel that doing taekwondo is a very good release of all my anger, whatever that happens in the day that happens during my lessons I feel that I I got to release my anger release my stress, release whatever frustration that I have with my friends my classmate my teachers I release it all in taekwondo so basically when I kick when I punch when I you know when I fight with my opponents I will just release everything on them or release everything in taekwondo so basically I feel that


that is a very very good way for me to de-stress lah so it's one of my favorite activity to this date but because of COVID I cannot go, taekwondo so it's a bit sad ya


okay uh personally another one that I'll talk about is you know despite the ongoing global uncertainty what makes you optimistic about the future


because uh I mean during this unforeseen period of time COVID nineteen and also uh COVID nineteen causing a lot of other problems like to the financial world right I realise that to be optimistic is because, I mean as as uh as someone in their twenties I still have a very very long way to go so I have no choice but to be optimistic and


the, the way I optimistic because I at least I still have a job I, the only thing that I have maybe I did I did have a bit of like a uh pay cut lah but the thing is I still have a job so I I am very thankful for that and I'm still thankful I'm also thankful for it because


for the future because I I see my company still trying to grow, trying to develop themselves trying to uh improve themselves so that you know we can get more sales we can improve our business we can uh eventually hopefully once this whole COVID nineteen situation blow over we can slowly climb our way up and eventually open up more outlets or open up more


uh we have more office and stuff like that so and then, and then to be optimistic I hope that one day if if I work long enough in this company I can after this whole COVID nineteen situation I can also manage a team in this company so that you know I can contribute uh back to the company lah in a way so in spite of whatever that's happening now uh I feel that everyone should be optimistic because


you never know what a future will bring maybe after this there will be something coming along our way which is good yup


yup ya ya I agree because for me like like having a adrenaline rush right I feel that doing something that is like you know when I went to the, there's this uh activity there's this a park water park in uh sentosa as well they have different types of uh uh like uh activity different kind of parks for you to experience so for me I realise that doing this kind of like dangerous


water activity is actually very very thrilling is very very it gives you it give you it give you like this rush this adrenaline rush that actually uh actually helps you to actually in a way helped me to think better so after this whole, thing ended right I actually feel that eh actually I am less stressed and I can think better and you know it's


better sound decisions after this lah so uh and


I feel that, adrenalin rush is actually the best thing, some people don't like but I feel that is the best thing yup


part one financial related topic, hello <P1>richy</P1> can you hear me


and so how are you how you how are you how are you accumulating your wealth


same lah is like accumulate wealth means to like first of course the most basic one is to save money, but it's also like in terms of investment right it will help you accumulate wealth much faster if you are able to invest in the correct products that is suitable to your risk appetite meaning whether is it a long term kind of investment or short term kind of investment


you need to know your appetite as well as the the amount of, ability to hold the hold the investment meaning like, whether you you can you can sustain having that amount of money inside the investment without having to use it for your daily needs et cetra


so for retirement I think it's important to start as early as you can as even even maybe when you are you just started working for maybe like five ten years when you are looking to like retire in the next maybe thirty forty years because the earlier you start accumulating the more you have the more time you have to accumulate that kind of wealth


for retirement because when you reached retirement is really just going out and nothing is coming in anymore


, I think these are all like the question say is extremely big ticket expenditures and maybe for a young adult like us like for young adults like us it is seem like a very far fetched kind of expenditure because it's in like like


more than ten K at one go or even maybe in the hundred thousands, so I think we can start small first you need to plan as to like maybe you can have a timeline as to when you want to achieve those goals and maybe you need to know how much time you need to reach those goals so that you can count backwards just like in like project management you count backwards


so that you'll know when you need to start and maybe every month or every year how much, money you need to accumulate or save in order to achieve those goals in a timely manner yeah how about you


I think priority is also very important, like what is more important and uh which one, to you which one should come first and then next or which one needs to come like it simultaneously like for example, by starting a family the house will come together then the children won't stay very far from it so you need to know which one is more important maybe car maybe a car should follow after a kid is the maybe in the infancy or maybe even when you need you need to send them to school


or if your parents are very old already you need to send them to like to to clinics very regularly then that's when it becomes more important, so we need to prioritise as to like this kind of expenditure because they take up a large portion of it whether is it savings or even uh those returns on investments that you got already


and it might set you back uh, oh quite quite a bit if you didn't plan well, for it ya,


yeah, ya so priority


, yeah like like you I'm not married yet so most of my experience my frame of reference would be before marriage and yes I do agree that before marriage right even, maybe not really marriage itself but okay never mind let's let me just start off with the before marriage part so I only have to take care of myself technically I don't have any dependence I don't have a spouse I don't have a


a family that I need to take care of I only need to take care of myself and maybe give allowance or like some money to my parents or like treat them occasionally or to my siblings et cetera so that uh in terms of financial commitment or depend like other people depending on me that's it's it's much lower than I would expect if I'm married


and so for now I'm just taking care of myself like my daily necessities my transport my phone my internet et cetera so they are technically smaller scale and they are not very very large expenses every month or even like yearly et cetera


so after marriage I would expect that things to be a lot more heavy in terms of financial commitment because, that's when you have a house even the wedding itself will will probably likes you spend quite a lot of your savings then after that you have like the house which will be like almost like a thirty forty years kind of financial commitment


and then after that you have a child at the same time so it's like simultaneously you are paying for a house for for the child, because there are hundred percent dependent on you they have nobody else to depend on and then you will start to need to take care of like really really commit to taking care of your aging parents as well so they become like a


if you put it out bluntly they become like dependence that you have to really pay for they become like a like a bill for example, ya so it's like a monthly commitment or yearly commitment a lifelong commitment and on top of that you might want to have other types of like more frivolous kind of expenditure like to go overseas you no longer only to


pay for your own air ticket you have to multiply like four five times the people you have to bring along the money the expenditure will increase tremendously and exponentially and even for our like our own self right medical bill will start racking up, compared to now so I would expect like with this kind of thing going on


before and after marriage I think the main thing would be that currently we are only taking care of ourselves and after marriage you are sharing the rest you're you are committing to more bigger expenditure but, uh you also have a partner to share it with so I I think


I think to be able to likes to share like to how to say to to manage this kind of like uh uh how to say the commitment in the household the household financial commitments is very important as well after marriage yup, !yay!, so let's move on to the next topic ready for the next topic


!yay!


mixed vegetable rice you mean mixed vegetable rice you mean, ya, I would say since since we're talking about post COVID world right so we we of course need to talk about the current situation, so currently most of us are at home we don't really go to we no longer uh patronise uh brick and mortar store as much as before and a lot of our spending and even ya many our savings have moved not savings


uh spending has moved online, and we are getting more comfortable with that, so I would expect that even after COVID right uh I will still continue spend most of my money online in terms of my spending habits and in terms of savings


yes I do agree that you need to know that here are the rainy days and the rainy days will come anytime so you need to really have that kind of money to to tied yourself over a period of time, but, I also I also want to say that uh it's also


is also a time where we need to see what we can uh make money from like money might not always come from the same source there are a lot of source that money can come from and we need to be flexible in terms of our even in terms of savings like should we really hundred percent save everything or should we


like we spend money or spend some time to do uh something that could potentially bring us more income or savings in the future, yeah


, the rainy days come anytime and your investment might not be that safe as it used to be, ya ya, ya let's go to question six what advice


ya, , I would say because I do have some financial knowledge previously, for my my my other works so I would say that it's important to know what you need for your own self first I know that having a financial planner would would seem like the easy way out assuming that the person is uh the a person takes the time to find out what you need


so they already have the background knowledge they will be able to advise you what kind of products that will be suitable for you, et cetera but I feel that we have to take responsibility to find out our own financial needs as well and what kind of, products or even like products such as like insurance or investments or what we need to know ourselves first we need to know our risk like how much risk you can take how much money we have to spare for different types of products


so that we know what to look for and when we go and meet our financial advisers right we know what to share and that they will be able to advice more accurately and more promptly in a timely manner so that if it fits our if it fits our needs at that point of time because financial needs changes


very easily very quickly along with our life milestones hitting them is like basically hitting the different life milestones as well so I would feel that we need to we need to know ourselves uh we need to know what kind of products we we hope to have


and I think having uh a financial planner or adviser would be uh a good supplement as well, how about you


we need to know our own financial needs so a different a different parts of our life like now technically you don't really think much about like uh a retirement endowment plans because we don't have that kind of financial ability yet but maybe in another twenty thirty years you might take consider it or maybe even that in the next five to ten years what kind of insurance you might need you might change


because you have different kind of dependence and different type of scenarios and situation that you might need to take care of yeah so yeah yup okay so let's look at what else we can discuss on


, so what have you been what have you been doing ,


, okay


uh ya I do agree that we there are even even in this like COVID situation right there are opportunities out there it's just how flexible you are and how how are you able to adapt to the different kind of situation and the different ways of earning money, so from like ya part time job yes I do agree and there are also we we since we're moving everything online right we need to know how to be able to make ourselves more flexible and more available in whatever kind of situation that is presented to us like for example


maybe you're a tuition teacher and then after that right the tuition centers need to close right but you can always move your tuition online and you still can continue to make an income from that so , in there and also you can since it's online right technically we have more time because you save on travelling we can take up more classes for example and that would increase your income


and education is something that like I'm using the example of education I'm using something that you don't uh you don't decrease just because of any kind of situation is still ongoing process and you will always need it, uh is for us to seek out uh areas that that never dies and how we can adapt so that we can earn continue to earn from there


yeah (mmhmm), yeah okay now we have, , okay


part three negative experiences, okay which one you want to which one do you want to start with


, world against me ah, , maybe like even though uh okay lah I would say academic first I'm not inside the the working world so so much yet right, so it's like uh when when like no matter how much effort I put in the people around me don't want to help me the the work I'm doing on my own is also not working well so it it feels like everything is not gonna everything is not going well but you go or even on the on a bus like [orh] you also miss the bus ah