okay what what leads you to experience an adrenaline adrenaline rush, what leads you to experience an adrenaline rush uh what has excited you more most in your life so like for you what uh you have been to odd places before right have you like jumped out of a plane before


for me I think uh even though I've jumped out of plane before but uh I think the biggest one for me would be just going on stage with a live audience right, that's an adrenaline rush I don't get nervous which is strange but I like the the whole experience of a you know it's like !wah! you on the spot


now or never that kind of thing I don't know maybe it's just very individual, yeah


ya describe the moment when you felt the luckiest !wah!, remember moment you felt the luckiest, I think I've never felt lucky before ya so so how about you


oh there's an eight hundred dollars one I didn't know


what nine thousand !wow! so you got nine thousand


!wah! that's amazing ah !wah! but that means if if you are working you will not you will not get it right


ah ah for me I think I couldn't because I've I've always got some CPF coming in so impossible right they'll definitely check your CPF right, I'm not eligible


describe the moment when you oh this one read already what's the proudest moment of your life, !wah! still had I still think I'm very lousy man my life has been very boring I don't have any proud moment of my life because I've not got married I have no kids


I thought your sister always had a a a car with her husband or something right, two cars at home, what amazes you, !wah! I also don't know man, the question is what amazes you


, anything that is amazing to you, uh I think can skip this question ah I don't know how to do ah I don't know how to answer what makes you want to be alive


for you maybe is your kids right, for me, I don't know I forever want to stay young so that that that makes me want to be alive


ya ya ya oh that's very good man ya you're you're family oriented what so that's that's okay for me I'm quite a solo person even though I got, very fairly large family uh what is a skill or an ability that you're secretly proud of having !wah!


a skill and ability that you secret I for me it's definitely my acting, this is a skill and ability that I that that I'm secretly proud of having so this is for me doing acting doing performance, which is uh in most most people most of my the people I meet like the women I meet or anyone they always sees it as see it as a hobby or or or something that is uh very childish


so but I'm proud of it I'm okay with so how about you


!wah! that's awesome ah, you are more you definitely opposite of me okay when do you blush, the most !wah! this a girl thing right okay describe the experience when do you blush the most


I think you better describe for me I don't I don't think I've ever blushed before, well uh for me I guess


I blush when I do something silly lah maybe you know like, I think I know something, then instead of doing it I do the opposite, then it's blush but that's more like embarrassment so I don't know what about you oh ah, what were when did you blush the most


describe a time when you made a comeback that shut, up shut everyone up, !wah! describe a time when you made a comeback that shut everyone up, I think is more like a !wah! this is also another tricky question I don't think I've ever made a comeback


this is like something that you're fat before then you suddenly became so hunky later in life everyone like nobody feels like disturbing you anymore you know, but I've always been hunky all my life so I don't have the problem okay for you anything to describe


that's awesome ah I I think your life experiences are, way better than mine mine is just wake up sleep do nothing wake up sleep go to work if I if I died I think nobody will know also


it's sad life man I think I don't want to answer any of these questions anymore we have twenty more seconds what's your best surprise oh my god, I my hair growing back that will be a best surprise


no lah it's the same lah still fifty year old balding guy, uh but I still I don't know ah some days it looks like the hair is there other days is bald okay we are done


uh yeah it's uh no no because at that time, because you know me right at that time it was not under single applicant but then uh we do not take any grant because our house was bought at a resale price which is cheaper than normal lah


but then the grant is only provided that you stay near your parent's neighbourhood, no it's thirty thousand


no because for what to my understanding ah if you were to take up the grant right then your parents must stay there for like a certain amount of year before they can actually move out, no no I mean when they want to sell off the house


so that means they cannot sell off the house for a certain period of time once you purchase the house using a grant under them ah, but then now is better because now I think for all those like newly married couple there's so many grant that's been giving out


ya no no I never I did renovate my house but I didn't renovate all at one time ah initially when I purchased the house I only renovate like, those minor minor thing that need to be renovated and then like two years ago I I mean I save in now so I renovate my house and then I pay cash for it because it's much cheaper rather than you get a loan and then you have to pay for the interest I don't think that's worth it ah because I don't believe in debts I would rather not have it then to be in debt so I would rather save


save enough and then ya you just pay for it I think that's the wiser way ah, ya because I pay cash


ya ya because the thing you have to pay like uh two percent and then after that I mean because this is only recently where you know you had to pay for the stamp duty it's actually very expensive lah you know, but then if the economy is good market is good what is stamp duty compare to if you can buy and then on top of that you don't stay but you can still rent it out


it depends on the cost price of your house


uh actually I cannot really remember you know ya I, no two percent is if you buy the place and then you have to pay your agent two percent commission


ya I think is based on the price of your house, no stamp duty I mean there is always stamp duty even when you do rental also they still have to pay stamp duty


stamp duty has always been there, but then when you buy the house did you buy from agent or you buy direct


uh maybe you don't recall because you know the agent is the one that do all the paperwork and everything then normally they will say okay you need to pay this this and this then you just pass to them they settle the issue for you


ya but actually right what I've heard ah okay because you are I mean you can have one uh HDB and one private right so the thing is that if you have the money, it's actually for me I think it's okay to invest in a private property because when you like what I say depend on the economy and how good is the situation is you know because when you buy a uh private property ah and then you get


you get it rented out and then after that end of the day is the rental that's paying for your property, ya so actually it's a it's a good investment ah but, if you do not have any side side income other from the rental right so if your tenant I mean if your tenant were to shift out


and then you know that's where the problem comes because you need to have the money to pay for the monthly instalment, ya but then no but then if some people they have the money and then they take it as an investment like you know


ya you have money you buy private property and then you rent out they instead of you paying every month for the uh uh instalments because you have your own HDB what, so you stay in your HDB flat and then the private property is for you to you know to do it as an investment you rent out and then you get the money from there you pay the rent I think it's really worth it lah but the


tough part is that you must have a certain amount to pay for the down payment ah, (mmhmm)


ya because you know bank loan like every few years there is a what they call it ah ah inflations inflation yeah it can the interest can be very low, at certain point of time and then the interest can be high but actually to me I mean some people are like what you say lah it will be better to take HDB loan ah because it's standard


so it's more safer actually but then if you have the money you can get a but then bank loan which is not good ah because after certain for example three month right if I'm not mistaken you never pay the loan, they can ya they can actually you know


uh repossess your house but repossess ya but then if you were to take this from the HDB you can still negotiate with them


okay to my understanding for bank loan ah like ya lah like the interest can be, fixed or it can be floating rate lah, but then the thing is that if you were to choose a fixed rate ah and at that point of period why you take bank loan because the interest rate is cheaper than HDB


but what if the thing is that, you know certain time when the rates is actually going uh lesser but, but then because you took on a fixed loan and then the rate is high and there's nothing you can do about it


floating rate why it'd be better because there are times when it will, ya be lesser


two percent and one percent, no the buyer do pay the agent


no it's both way as long you engage an agent you still need to pay an agent fee, yes despite that ya


ya because at that initially ah before my time because they only take a certain percentage from your CPF and then after that the balance you can, still use it to pay on the instalments but then the thing is that when I bought my house they actually use up


all my CPF so my spare was right so that you know I have to work or it's either you work and accumulate the CPF or you pay, using uh cash but then what they I mean what people actually did last time, they will take a certain percentage of the CPF and do investment


so when the HDB absorbed all your CPF you still have those cash in the investment but then anytime when you want to withdraw you just withdraw your investment and then you just pay a penalty, and then after you can still use that to pay for your house


ya and also the no because I rent one of my room, ya my tenant has been staying there for the past eight years so you can it's actually, you know an an investment ah because you know you get things side income from that and also I also use my CPF to do investment


ya it's it's under gold land I cannot remember gold land or more ya because you know normally when you invest because it'll be many years you'll never keep track


so you just leave it to the insurance agent and then they just do the investment for you so you know as and when you check your CPF then you know okay whether there's increase or decrease and etcetera


sorry sorry which number are you at ah


ya, okay before marriage is easier


because why you only handling yourself you see, so you can control the amount that you want to save and you want to spend, so and then the I mean for me because I'm more disciplined, so I ya so that means I can just every month put aside a certain amount of money to save so and I know that you know this is something which I'm committed to but then once if you have


I mean once you're married I believe it'll be more difficult because it I mean it's not necessary the other party would, uh have the same view and then you will get frustrated because right oh every month I'm saving five hundred and why aren't you able to save the same amount ya, it's supposed to be like a saving between the two of us you get what I mean yeah


so but then what I think ah what is best is actually to take up like insurance, you know like a fixed fixed deposit insurance where if you have certain amount of money which you don't use it will be better to, put it into that uh insurance rather than you put in a bank because the interest rate is so low


it's a safe ah, after marriage after marriage you have to be more disciplined, so by having a third party you know that you have to put this money this amount of money every single month without fail because if you were to put it in the bank


you put or you don't put make no different or maybe now it's okay lah this month I don't put next month I can put but then in the end you put the next the following month but then, the previous month which you never save and then you tend to okay you know it's alright there won't be anything going going to happen even even if I miss one month, so it would be better to you know to have a a third party like insurance and etcetera where you know that


you have to save the money there every single month, but did you save


uh okay but then I believe if you were to save some cash if you're disciplined enough you will ensure that every month you put that amount of money, but then because you know it's unlike like those insurance or bank whatsoever where, it's a must if you don't they will uh deduct a certain amount they can then ya I mean but then if you're disciplined right every month you prepare yourself I'm going to save four hundred five hundred so you make sure that every single month you'll save that amount of money


exactly yes actually you know what because of the post COVID right, I mean like what can you do at home you get bored and then so that's where you start browsing and then checking things and etcetera and then you buy one and then you buy two you buy three and then you get addicted to it


so actually by sitting at home ah you tend to spend more that is what I feel because you're so bored what else can you do for me I love cleaning but then you cannot be like cleaning twenty four seven in a day what yeah, end of the day this is what you do you spend so if you don't have discipline you will spend more than compared to your work uh to your working


totally have no idea regards to all these


ya investment lah because when you invest the like what I say it's all about money when you invest interest rate is higher and as long that is like on the safe side, you get what I mean even if you were to lose your money but it won't be so much but if you were to generate it'll be better than the rate uh that CPF is giving you on the interest


no no no no because like what I say lah that I only invested once when I actually purchase my house the first time and I do not want HDB to absorb all my CPF, so I actually use a certain uh percent to invest anyway you cannot invest all of your CPF also


you can only invest a certain percentage now so I thought of investing a certain percentage, I mean I was thinking next time you know if I do not work or whatsoever it rather than I were to pay cash I can withdraw from the investment, but then till now is still there in the investment I have not touch it yet lah because I was working for the past eight years so


I have sufficient uh CPF uh uh to cover for the house, yeah OA OA and SA for the past for the past thirteen years


, no, no because for me right I don't believe in insurance


don't believe in insurance but until something happened to my family recently right someone I mean, my sister passed away and then but before that yeah but luckily she had insurance so you know because she had


working and etcetera and the medical bill is so expensive I think if you do not have the insurance you need to even sell your house for the medication etcetera so thank god her sickness was covered, and because the I mean because like previously cancer was not covered but at that time when she purchased it was covered so her medical bill and everything was been paid for


so insurance is actually a very important so I think is that even though if you don't have insurance on like a saving plan, but we should have insurance on medical, ya it's very very important


but no but then that one is like is it a I mean insurance is insurance on medical but your insurance is also based on there for etcetera


life plan okay okay okay


for me is more of like you know uh not giving attention to my family so much attention to my family because I'm like, so into my work my life making money and you know ensuring that I'm able to provide for the family that I don't have time for my


close one for my loved one and then and then you know even at uh my sister right she uh she actually I mean, when she was sick I don't have the time to visit her because I'm busy busy working and then until the last day


when she actually at the critical moment when she but then she was still conscious and then she wanted to meet me, but then I wasn't there on time to see her for the last time and then uh I really feel very regretful I mean remorseful to that because


if I was not so selfish and just think I think for myself I would I mean I think maybe I could have spent more time with her then I could actually I don't feel regret like, like now ya because I'm not spending the time with the loved one ya


you mean now, ya but then ya she have children but the thing is that me as their auntie of course I will always be there for the children because you know now my sister is no longer there but then


it's me missing my sister and not able to be there for her when she need me and then now even if I can do everything for her I just I will never be able to get her back ya


I get angry easily because if I want I mean if I want something but I'm not able to achieve it I get disappointed with myself because you know is like to me doing something and achieving it is a self satisfaction


because to me only me myself can make myself happy I mean I cannot depend on other people when it comes to emotion right so if I want and then so if something that can make me happy and I have to , work for it but then I'm not able to get it despite doing my very level best I will definitely get angry why is it that you know what I want is something where I cannot achieve (mmhmm)


appreciate you, ya ya like what you say is true lah because normally when I mean that is where I tell myself and I also learn it in this way that you know


expectation lead to disappointment, ya so the thing is that I I get angry easily if you know if somebody just complain that they have like a hard life


that why thing doesn't go well for them without even trying, the way to get it better and then just complain and do nothing about it I get angry and disgusted because like nobody have an easy life everybody have their own sad story but it's how you look at it and whether did you try to make it better


uh I feel upset when I see countries going on war with one another killing the innocent people just because you know just because out of greed power


and then I will also feel upset that why is it that some country can be so wealthy and, , dressing so well and whereas another part of the world they are like a third world country ya


all those kids because of the progression of the country it actually make them the way they are like I mean they are so insufficient, of the world like Indonesia for example where the rich and the poor there's a wide difference when you're so rich you are rich when you're poor you're poor and then


to the extent that you know the poor is so poor that they don't even have food to eat and the kids are so pitiful they go around begging, ya because ya because you know the government they are rich because they take bribery, extortion and everything and I mean why can't you like you know you have all this money you share with the poor


I mean uh I'm like what I feel lah when you help people it make you happier, rather than you have everything in your life but then you see people surrounding you uh suffering ya that is something really upset me and I think you know they actually should learn


to be progressive or uh or maybe learn to treat the people better, for me the same thing definite I've heard a lot of people but the thing's that the intention is not to hurt them because sometime I can be very vocal, so my opinion doesn't suit them my opinion will hurt them so maybe whatever I say has no intention of them


yeah but because they are being nice so they will just smile like this but then actually that is actually hurting them so end of the day is like, it's how we actually uh communicate with people and we need to actually be more mindful of what we say, this is on our part but then on the other person part they have to also be open and be more accepting in order that other people words can't actually hurt them


that doesn't make me better I gone through more shit


uh ah actually


actually right I don't really watch all those kind of like you know fighting movie , or movie that is uh that's I mean that is horrible that kind of stuff because I do not like, I only like to watch happy movie love movie you know so if I were to know that movie is something which is not up to my expectation I won't watch


so I don't think I have actually encountered


what frustrate me


uh for me I get frustrated, and you know how


people don't, think the, same way as, me or, or maybe that I've, feel that, uh you know that I'm


right and then they the other person just, just couldn't accept it,


ya actually the same thing lah my greatest fear is to die without achieving what I want to achieve I want to ensure that you know, I want to ensure that everything is in perfect order before I leave my loved one especially my kids ah especially my kids ya


okay for me right it's not that I did not want to help, I mean it's not that I cannot help I just do not want to help okay because something you see at those shopping centre where you know people will go around saying that they're, mute so they actually asking for donation trying to sell the bear and etcetera initially I will actually buy from them but after awhile because of feedback that they said just sometime all these people they are not legit they're not genuine they're just you know


those that just trying to take advantage and pretending that they are that I mean they're mute they're disable just, to get money out of you so sometime when I don't give but then I was still feel doubtful whether, am I actually right for not giving are they really disabled or are they not so ya that's the time where sometime I feel bad when I don't


donate or ya help them in any way


ya part two positive experiences okay we may begin


oh okay because uh my recent trip was last year


ya but then but the last one I went to is uh Kashmir, oh my goodness I mean I love the place because it looks so nice and etcetera and they said like you know Kashmir is just like a second of switzerland I don't deny that but the thing is that when I went there


I got a shock of my life because there's no internet connection, ya so that means I I mean I'm totally not in touch with the outside world I'm just in Kashmir Kashmir and then and then it was like really I mean december so it was actually snowing


oh my goodness and I didn't know that they do not have a bed uh they do not have a room heater they have bed heater they are using bed heater and during night, ya it's so bad and then it that's not about all because you know when nigh time right when it gets too cold so the heater got frozen


so so imagine it's like minus uh ten degree minus eleven degree and then, it's not only that the bed got frozen I got frozen too and then even to to to the point that where I was like, you know because I cannot uh endure the coldness it was too much for me so I was like literally like you know crying because I wanted to go home and then imagine I was there alone


ya and then I cannot contact any of my family members then I was telling myself what have I got myself into , but other than that ya everything was so nice ya and then I was staying at the boat house so you know there was ya so there was the first day when I went there


so I actually you know enter the boat house then because I have a balcony so I open the balcony and I can feel the cold, air it was like going through my skin oh my god that's the first time where I actually felt cold to the extreme


actually by right you shouldn't be sleeping with the uh electricity on the bed but the problem is that because they don't have heater how am I going to sleep without the heater on because it's like really freezing, and then and then like what you say lah I mean in the middle of the night I suddenly feel so cold because the heater is not working it's minus degree not minus one minus two but minus ten minus eleven you're literally becoming an ice


it was the it was dangerous and then it was cold, that's why when I was there for the first few days I was like literally know like crying because why I I felt that what have I got myself into and then I wanted to go home then I got nobody to talk


to that kind of thing because like yeah you feel all alone but after a few days I mean it get better because I make friend yeah so that's where you know so at least you know that there's somebody where you can talk to or somebody where you can rely to lah so it was


okay after just a few days so my trip there I was in Kashmir for like two weeks but only start to adjust and get happy after the second week so I wasted the one week there for nothing


ya ya it's nice but it's just that because I'm not those that know can uh can uh endure cold so imagine like what I say lah the coldness is just too much ah


I did a good deed but I do not know whether is it awesome or not lah because to me you know as long you help someone and then, what matters is that you make the person happy and it will also make you happy because you see the smile on their face ya but then I, ya that's to do lah because like what I say lah you know like even a small thing to you might be a big thing to others


because you do not know what they have gone through but if you make them happy you know it also make you happy because why end of the day the the smile is so important ya


because for me I believe in karma you know you do good karma you receive good karma back and then even though if you don't receive it immediately but in the future, you'll never know and then you never know the person you help one fine day, I mean of course you don't want to have any issue any problem with your life but you never know


so maybe one fine day that person that you helped might be also the person is going to help you but end of the day must be sincere in helping others ah ya


(mmhmm) for me ya for me actually have right, because uh I'm working in the tourism line so I I mean previously ah so I met a lot of people and when you are in like sales line you have to be like a hustler and you have


to teach the people that work with you to be a hustler because you need the money to come in right so that's where I met all kind of people that, nice mean and etcetera but end of the day you do not care you just want to get their money because you need to earn you need to get the revenue but then not everyone is


bad ya because like, okay for an example ah like uh because when I'm in this line I get angry with everyone because I cannot get what I want from them, like know like the money to come in the sales and etcetera but then after that when now I'm no longer working in the sales line I'm thinking that you know


just just because that I cannot get what I want doesn't mean they are bad, ya it's just that it's the job the nature of my job that I have to to achieve, in order to you know to make the company happy


but then just because they don't give me what I want then I get so frustrated then I start to condemn them and etcetera but after I no longer in the company I feel that you know, that I shouldn't be behaving in such way just because I don't get uh according to what I want because everybody is good but in a different wa


no of course not I mean it might sound, weird childish and you know but then for me I mean like ya lah you know I travel and etcetera but that is nothing compare to what I like adrenaline lush rush to me is like


when I clean the house I see the house spick and span you get what I mean and then ya when I turn every every place that is undesirable into a place where people love to be that is an adrenalin rush for me


yeah everybody adrenaline rush uh adrenaline rush is different, some people like what you say ah they will like to take those kind of sports where they jump from the you know, helicopter on the parachute or whatsoever to them that is adrenaline rush but everybody individual to us like that mean nothing to other people but that's something for us


recently recently you know COVID is like


it's like a bad bad month for everybody and it's like a bad year for everyone also but then, to me I'm like so lucky during this COVID season and then you remember there was once I was actually asking you do you apply for the COVID nineteen fund, and then you said that uh you're not eligible or something like that actually I wanted to teach you you you know why because I actually did it for myself


and then I was so lucky I got it and because I actually tried the eight hundred dollars one but then I was rejected, eight hundred dollars but they pay you three time so eight hundred eight hundred eight hundred but I was rejected for that for the eight hundred you must be employed but then last year I was I wasn't working for the whole year what


but then I was doing shoot and etcetera so they actually suggest after I got rejected then they actually suggest for me to apply the COVID nineteen fund which is the nine thousand


yes I was so so lucky but then I have to I mean because I was I was not working last year so it was under self-employed so, I actually you know check out how to get it done and etcetera why am I would not be eligible if I


don't actually go for I didn't go to uh CPF board to declare I'm self-employed when uh that that so what I did is that I went to Singpost I declare I was self employed because it was ridiculous the last for submission was, may so I I went was like june so what uh it said you can only go to Singpost so I went to sing post and then I declare my trade income it's called trade income the income which you earned last year


so under self-employed so I declare that and then after that ya then with the trade income and also with all the because I do have few shoot which which was actually uh postponed which was actually cancelled but thank god I do have emails, to prove that you know all these income which which was uh what they call it uh cancelled because due to COVID so I use all these to submit for my this COVID nineteen fund and then after that within one month I got it


if you are working you no if you're working it depend okay one year right you can be working for the you can be working for six month after that six month you have a CPF contribution but after six month you are self-employed so you can declare under


self-employed for the six month so with that you can try to apply for the COVID nineteen fund, it's SIR SIR


they check everything so that's the reason why there was once I actually asked you then you said you're not eligible because I got, you told me you're not eligible so that's why okay lah I just dropped the idea


ya has whereas for me my proudest moment was like uh when my son he got his driving license at the age of twenty and then he, ya and then and why I'm proud because why it took him only one test so he he it took him only one test and he pass his license and then I was I mean I felt so proud of him because like oh my good I mean


having a kid you always take them like a kid but once when they achieve what adult has achieved you oh my goodness my son is already grown up and then this year he's twenty four, ya and then after that you know and then okay recently my sister bought a car so


and then the problem is that my sister have issue with the car so she actually call up my son, to ask his help to you know on the car so my son went over and then you know check the car and then tell her what's wrong with the car and etcetera then my sister was telling me, eh you are so lucky you know because your son is like so intelligent even though he's so quiet but then actually he's so knowledgeable then I then what I was thinking is that


you know it's my son so ya , so of course I'm, around there , uh yeah my last sister Audi but then now she bought another


amaze what ah, amaze what oh it's


oh okay, you're so right yeah


nah I think I mean not necessary I mean even though if I don't have kids what make me want to be alive is, because of the people that I love the people that surround me that make me happy and I make them happy and I feel that my presence do matter to them


for me ah I think maybe because of my discipline ya because for me if I want something I believe lah if I want something and even how difficult it is but as long I'm positive and I don't give up, definitely I can get it it's either now or later end of the day it's like how determined you are in wanting what you want


you never know you never know when you blush you don't feel it is the people that see because when you blush you know something without realising it


okay when I I mean when I'm do good in my job, and then when people compliment me and then because I feel appreciated but then I don't want to sound snobbish or you know or like, uh accept the compliment in in a way that ya ya I deserve it and etcetera but then ya that's where I blush ah without telling them how I feel so it shows on my face


ya because for me right I was always like the black sheep in the family because you know when I was young I was so


so rebellious and always like to you know, to enjoy and etcetera so to the point that my families actually told me I do not know what you're going to be when you grow up, but then what shut them up is that you know, when I was like in my twenties I was already working and then because like what I say lah if I am determined if I'm focused I can get what I want so where at the age of twenty I was already working and earning and having a


a certain I mean and having a position and then I was like doing well so this is something where they don't expect for me, ya so that's the time where you know they actually shut their mouth lah because what what you are, in the I mean what you are in the past doesn't define your future


you never know you never know because sometimes even there's people around you that you know like you appreciate you but they're not those that


expressive so they won't tell you , really your hair is growing back


no no no because you told me the other day that you know you want to buy this uh hair product which is like very effective, somewhere in Hougang in midtown or some somewhere around


one finance, uh as in you start first ah


okay as for me


uh investing my money I would invest on, I would say bigger business, basically on maybe food because it's something that, a lot of people, go for ah or maybe as what Azin said , or on property because it's also one of the important things in


in the economy now, so uh ya so how do I invest is that, I will, there are a few of my friends that are , that are well known in this industry investment industry so like


ya they could be uh uh, a key person to this uh investment project


uh K so the strategies that I would do is like, uh as for now like currently we are just students so the thing that we could do most is just part time jobs ah because that is the most easiest, thing to find so I would say that, uh monthly I would save a certain amount so that


uh a certain amount so that , the amount eventually like eventually after like one year or two years you would, , be a reasonable amount ah so for me to like, uh start on after after I got a proper job


so like example , uh what I would do is I would plan to save up, uh for as long as like, three or five years, as a part-timer then, the sixth year would be the time where I save as a full-timer


so like ya that's how I plan things ah


[orh] K so , I spend my money , the way I spend money is quite balanced ah so basically I spend money my money on, every part, which to be specific is like transport


transport which is concession, then uh food, not too much and also accessories ah, but in this case uh what I've been spending on too much I would say is for my accessories ah something such as like clothes


uh and outfits ah yeah I have spent a lot on those things ah yup


uh for me in this case uh I would do it myself until I've reached a certain amount, of, of my finance eh or or my savings in this case


once it reaches a huge amount then I would maybe perhaps get a financial adviser ah to plan my finances


one uh, I've never been in this situation before but, like what I would say is, they should, plan out the things that they are they are spending on and


also , use most of their money to pay their debt ah, once they have gotten their salary or something


okay uh so how do I manage how do I manage my cashflow is that , I would say like I put, around one fifth of my uh salary, per month


uh monthly income ah into my savings and for expenses, and for likes expenses I don't, for now I don't really have I don't really put aside insurance but for expenses, , I would say


three fifth of my salary would be on expenses ah, then the other, one fifth would be on, money if uh I have any emergencies or not


uh so uh about CPF contribution uh for now I would say that I find it a bit uh annoying whenever , there's a CPF, cut on my salary but to think ahead


I would say that it's very useful lah because, uh we would need CPF for certain things when we are at an adult stage or maybe when we are even married, like for what I know if you want to buy a house or whatever


uh we need CPF lah so, so uh it's kind of, uh, uh advantage for, us that are earning CPF contribution at this young age


yup yup so for to earn extra income, I have uh I've so-called been in this situation and I found uh a few ways lah but, it's inconvenient ah cause it, burns me out


uh so like I've been in situations where, I have three jobs which is quite inconvenient ah because, it's really tiring but to have to be, to find uh to find extra income, uh while being convenient I would say maybe


if you have a bike, uh you could do despatch because that is like, one time one target, or maybe you can do a side business ah, or on food or clothes, cause currently now, teenagers like us uh like


to do this kind of, uh uh side business which


uh ya for credit card uh for now at my age now I would say it's not reasonable and not required ah but, also if I'm an adult I would avoid, uh having a credit card because, it


gives you the temptation of uh spending it, unwisely at, certain stations or times, which will, put you put you in a situation where you will have, debts, and also in situation where you can't pay your debts so I would say for now my point of view is I would say


okay uh I would say that they should choose uh uh I would say that, they should plan out their, uh retirement, by I'm thinks someone that is specialised in this so that the money they have


their CPF, would be well organised when they retire


same goes for me ah I will I don't look much on in it, but I would say that it's uh, something good because it's, it's really wel-organised for those that are going to retire soon, which


will not give them a hard time ah in terms of their finance


, for me my opinion , my financial my financial plan would be uh maybe each of the family members would can make uh their own uh savings account so that


each of us can save a certain amount of money, uh every month, so that, uh each of us have our own, , backup money if we are in uh we if, if we are if we have emergencies or whatsoever ah


yes I have a habit of saving , I'm, I could have started early but, cause of personal reasons I've just started it, on the early of this year, and to me my goals ah is that if I ever need, if I if I ever have like emergency to use my money in my savings account


I would use it but, uh I will also repay back, myself, by using my uh next month salary money to, to put in to my savings account ah, yup


uh yup so uh one financial advice I would give myself is that, uh is that, I will tell myself that, to start saving


despite the circumstances that , whereby I mean because like, it will be, useful for the future ah


okay uh so basically , how I would say , financial commitments before marriage is that I would, I would want both me and my partner to be saving a certain amount as


for my beliefs is that, me as a guy I would need to save more while my partner, uh I wouldn't ask her to save a lot but I would at least want her to reach a certain uh value ah, so that the amount


that we total save on eh save


yup same goes to me ah uh it's when I was with my ex, to describe it briefly I would say uh she didn't she didn't give me the freedom, uh to even meet my friends as such things


uh or even do the things I love, so yup that is what makes me feel that I was trapped and helpless ah [orh] and also, in terms of helpless I would say that, sometimes like I want to give time to my family or if when like I give a helping hand


like she would uh she would, feel that it's against her and, in the end like I couldn't do anything to help my family or


as for me one thing, that brings tears to my sorrow would be, when I see , my family members or relatives or aunties or whoever, uh pass away uh in just like


in situations where we do not expect, which also I've experienced this before where uh my, where two years ago my grandmother passed away, and after a month, her my grandmother's


uh younger sister passed away also, uh it was very it was an, unexpected situation but we couldn't do do what all of us couldn't do anything about it but just have to live with it ah so like, those moments are the moments where like


I feel that it's a really sad moment ah in my life


uh yup so uh, what something that I would want to change is, uh, the way I


uh something I want to change I, guess, would be, the way I look at people


uh like perhaps like for maybe perhaps like I feel that I am too I'm too safe like, uh I don't take risk, but, I mean the I can I could change that but I guess uh it's something that I couldn't change ah about myself


cause I'm not that kind of person


uh ya as for me I would say that , the workmates ah my workmates like, uh yeah some of them I would say most of them, that uh the the the adults


uh they look they look down on me uh, no ya not only me like some of my friends too like they keep saying that we can't do, this can't do that but, and also because I'm quiet, they think that uh I don't have the guts to do


things but, the fact that no like I can do just that , I, I'm a chill guy ah so like I take work


yeah I lost the fish because it went to the sea so like


uh yup so a food that I dislike, I would say, , fusion food, like such as when you mix ice cream and, uh uh french fries yeah that's something that


uh uh uh okay like, I would say , when I, didn't went for training just uh


just to meet her but in the end she when we were, when we were out she didn't even talk to me or whatsoever, so like that was not a nice feeling ah because, that training was important because the day after was match day so like I really need to be there but I


didn't went there just to be with her but in the end, my efforts were not appreciated so like yeah wasn't good feeling ah


what else thing I worry a lot is, my future, but to be specific I would say the family that I'm going to have with my partner, because like


it's the time where you have to be independent and have to build up everything by yourself and with your wife, but partly like, the husband needs to be the leader of the family so like, that's the part that I'm often worry about because like I find that


currently I'm not responsible not that responsible enough to be a leader of a family yet so like yeah, and also financial wise, that often worries me a lot too


so, the thing that I believed in when I was younger was that , I thought money was not important at all


because like when you were young you don't really need to spend on a lot of things, just live your happy life, play with your toys and stuff, so like I thought money is nothing but , at this age at this


part of my life which is adulting soon, find that money is, is really important, and the way how you get the money is also really important because like, if you don't like


in singapore if you don't have education, you can't go anywhere ah or even like in this case money, yup, your salary won't be big and stuff so like ya find that, you have to work hard for for it ah


uh yup so , the same goes to me ah !aiyo! I was in a relationship with my ex, she was like she was controlling me too much


uh at the same time she was doing shit behind my back, uh and also she was being unfair in the relationship so I feel that, it's really toxic and, it's not healthy for my well being, and for my future so yeah


yup I have wanted to get revenge on this one guy, that has ruined my relationship with my girlfriend ah, eh with my ex, uh what made me feel this way is the way is him as a person ah, and


what he stands for which is delusional and unreasonable, that makes me really angry and triggered ah cause like, I would find I find him a person that, uh really


delusional and, ya the way he the the things that he does he did was, really unacceptable ah, so ya that's


uh yup same goes to me ah for my O level results wasn't what I expected it to be, so like, uh yeah it was really heartbroken, but, I still have to move on with life


some memorable some memorable moments in my younger days would be , would be when I , won the national swimming in my primary school


uh yup so uh one of memories of pet I would say is that , uh a dog lah I would say a dog, uh yeah I have memories memories with


him with the dog so like , uh yeah every time I go home uh, I always look forward to the dog


one of my dreams so basically, my first, the common one like my most obvious one would be , uh I would like to have experience to play at europe, to go on big clubs ah, uh also another dream that I would like to have


which is as K so basically I'm I'm taking diploma engineering, so one of the dreams is would be I would, wish I could be one of the engineers in uh


uh one thing I love about life is that there's uh bittersweet in everything, and one thing that keeps me going is that , keeps me wanting to look forward to life is that uh of, the unexpected stuff, or maybe the things that your are have


you you have worked hard for, and, you're financially rich so those are the things that, uh that keeps me going in life


yup so, an experience that, that's, of course is that uh , uh I saw this old uncle, uh which was in need of help


at, uh the pedestrian walks ah so basically he was, carrying uh heavy stuffs, and, he was struggling so that's where like I felt like , sympathy, of this old man and I helped him


carry his stuff all the way to his home which is also pushing it , his home is nearby my house so like


uh one snack would be if you have heard about it ah it's uh called coin toss, yup it was really nice, yup that was one of my favourite childhood snack ah


okay so , uh for me it's also a football match, where, I was having uh I was having cramps on my on my thighs, but, I was playing in the first eleven and I thought I couldn't make it in the game but fortunately


I played a good game and our team won, so like ya it was a bit unexpected lah because, I thought I couldn't done it uh , I couldn't do it but, ya it was a good it was good game for me and my teammates lah


for me , it's also the same thing where, I did badly for my O levels, but , I got, I got a good grade for my science and like yeah the teacher that


was always nagging at me scolding me for getting bad results throughout the whole year, congratulate me and, yup give me big motivations ah, for and how proud uh she is for my


a fond memory that I would say that I shared with my loved ones would be, it would be, when I got to know that


we are going to have another when I got to know that, we are going to have another my, we're going to have another like I'm going to have another sibling so like ya that was one fond memory ah, because like it wasn't unexpected


and also , yeah it wasn't it wasn't expected ah


the time when the time when I experienced personal growth is when


it's in the year I would say , two thousand seventeen going to two thousand eighteen was when it was one of the toughest moments in my life because at that time I was having , an injury big sia and also yup that uh


gain gain me like, uh seven kilo, and also the year after ah where everything was different because I was already in poly, and the people that I mix around with


ah ya I would be thankful for my, uh mostly is uh my parents, uh secondary would be my friends that are those few lah, that I'm going out with cause, they make they make uh, the bad times, good


and the good times the best ah, so like yup thankful for all the good vibes they give me, and for my parents is the support they have given me throughout my


skill or ability that I'm secretly proud of would be, I think it would be, the way how I can understand everyone, even though at what situation they are at like


I I'm a person that hardly judges everyone for what they do, and I could understand the situations and how they, carry their lives so like ya that's one ability that I'm proud of ah, which is to understand people, in different kind of situations


uh, I, the best birthday present I would, say is


uh I can't really remember ah but, as a conclusion I would say that yeah every birthday is the best to me ah, cause like the the, the important peoples in my life


are still there for every birthday I have so like I guess, that would be the best present that everyone could ever ask for ah


a perfect a perfect day for me would be like uh maybe a start a start, with a good breakfast then, maybe perhaps like do some activities, and


having a good lunch like for me every like breakfast lunch having a good breakfast lunch dinner throughout the whole day, would, is one of the key things to make a perfect day, and also like to make it better, uh having a good news, from


whatever that I'm expecting to get, and also , doing the things I love lah which is maybe doing sports, like, maybe football or cycling


uh a comfort food ah , I I'm more I have a sweet tooth so whatever that is sweet or chocolaty is, something that, could cheer me up ah so such like, , cookies cupcakes or donuts yeah


all right sure uh, so how do I invest my, you know I mean how do you invest your money to accumulate wealth or planning for a retirement


I guess it's, I mean when it comes to, finance and uh looking uh long term , uh investment is definitely something to go for especially if you want to build up your wealth like I I've uh


I've known people who you know invest in the properties and stuff, so, you know if you invest in something that will, uh, eventually like over time it will grow like because I mean can like take property for for as an example right property is something people will you know they will go for you know it's like a home so if you invest uh in like property or something like that something that is you knows a necessity to others you know it will eventually pay off


so onto the strategies to recommend to someone planning for you know big expenditures, , I would say when it comes to like big ticket expenditures you will have to start from


from young you know <B>, you know uh, you know it may be too late so, uh ya if you were thinking of starting a family and stuff you should definitely start from young because eventually it will add up to be


uh you know, enough yeah


alright so uh onto how I spend my money so I mostly spend my <B>


or like branded materials and stuff uh so


ya I usually put aside like okay let's say cause I'm working right now let's say in a in a month I get about three hundred four hundred since I'm working part time I always put aside like fifty per week you know so uh like eventually I I mean I can spend on those things I need and at the same time I can save the remaining and


what have I been spending too much on <B>, transport like Grab lah you know, yeah, once once I get my hand on enough money I tend to Grab a lot uh


yeah just for my convenience, yeah


okay so should I DIY or get a financial adviser to plan my finances so I assume DIY is do it yourself so I think if you have enough


uh how do I say not experience ah ya okay if you have enough experience in you know saving money and if you are confident in your ability to save enough money then uh, yeah you know if you are very disciplined on to not spend impulsively then sure I think maybe do yourself would be uh would be uh easier and uh


yeah would be an easier option , but when it comes to like you know you can't really control your spending or you have too much ya I mean you you have a lot of things to spend on maybe like your family and stuff then maybe a financial adviser uh should be the best option


okay so what advice would I give to someone to get him or her out of debt uh I have definitely been in debt before so I would say once you get your hand, on you know enough money you should settle the debt first ya just in case it gets out of hand cause you can never know maybe next time you won't get enough money you won't have enough to you know pay your debts so yeah


okay <B>, how do you manage your cash flow and how much of my income is allocated to savings expenses so how do I manage my cash flow I think I mentioned just now already uh ya because I don't I I'm always set to like a certain amount per month cause


of my, part-time job so usually I'll put aside roughly how much I need for like food and stuff like my necessities and then the remaining I would choose to, you know uh, save you know and uh about


eighty percent eighty percent or seventy percent of my of my income will be allocated to my savings uh then the rest would be eh [orh] sorry eighty percent will be going into like my expenses like on food and stuff then the other twenty percent would be in my savings so


okay so what are your thoughts on CPF contribution uh as of right now I don't really think


uh, I mean as a teenager I'm not really I'm not really looking into like you know paying for house and stuff you know so for me right now uh yeah CPF contribution is, unnecessary but from uh adult's point of view I would say ya it's very it's definitely necessary because it helps you when it comes to retirement getting a home and all that yeah


I always uh I mean I've heard around where people have like side businesses and uh one of the things mentioned just now was uh you know investments so realistically I think because I don't really have any area in investments and stuff so possibly like setting a


like a you know a side business you know like you can sell stuff from home, or ya you can just sell, anything as long as, you know it's in your it doesn't you know burden you out too much yeah something convenient lah


okay so okay uh sorry, do you think uh one should own a credit, card


I think , I mean as a teenager right now I don't really find the need to do it now I'm on a debit card but I mean ya as an adult and then you get exposed to more financial responsibilities I think a credit card should <B>


ya should do you should ya should be okay lah yeah


okay what advice would I give to someone in order to retire comfortably I would, save , like once you no like you when you first start your your job and stuff


you have to immediately just think of you know saving and and yeah because you know I believe that you know you should you know really, know like know how to save and stuff while you are working and all and then by the time when you need to retire you can just enjoy with like the amount of money that you saved so ya


okay , so what are your opinions on the supplementary retirement scheme uh personally for me I haven't really looked too much into it but from what I know


it's I mean it, it will benefit you if you know you really need , uh, uh a guideline or a path to you know to see eh to show <B>


the financial backing behind you know what makes up to your retirement <B>


okay , how would you make a financial plan investment for your family or children


as of right now I think uh, from what I know I will definitely just start like uh like a savings account for my family you know so uh, uh


whatever amount that, we you know we want to save, from what we get uh, we just put it into that savings account and then, you know eventually if we if we need it for certain emergencies or if we were to you know go out as a family we can always uh


rely on that savings account


okay do you do I have the habit of saving and how do I ensure uh do you ensure you meet your saving goals


so yes I have the habit of saving I recently not recently about <B>, and ya now, that I'm working cause previously I wasn't working so whatever money I got it was from my uh parents it was kind of hard to save cause it was limited amount but now that I'm working and I'm earning enough


, I tend I try to save up I try to save at least thirty percent of uh, what I get every month, so, yeah and I always make sure I always put a a reminder on my phone to, to you know, put that amount of money


into my savings so yeah


okay so uh what's one financial advice that I will give to, me five years ago, I would say just start saving I used to spend recklessly and impulsively uh even though I had barely


like enough to you know, be spending a lot you know so yeah I would definitely just tell myself five years ago to just start saving and spend wisely definitely


so how do you manage my your financial commitments before and after marriage I would say for me


before marriage is definitely important so that's when you have to save up a lot cause you have to think about your family and stuff and then after marriage is when you all can save together


okay so , describe a time when you felt trapped or helpless I would say it was when I was with my


my ex-girlfriend yeah, and, at one point I was actually controlled by her in every aspect like to the point where I can't even go out and stuff so and then like me confronting her just didn't help it just made her more angry and I'll just be feeling worse so


ya that was definitely one of those times where I really felt like helpless and trapped


what always brings tears of sorrow to your eyes


I would say, seeing a, , close friend or family member just struggling, really bad you know, I mean like, cause they are really close to me you know so anything that brings them down is


eventually also going to bring me down just looking at them you know, so, ya just anything that is really, making them struggle in anything will, like struggling to the point where they can't take it anymore ah they're breaking down yeah it'll definitely bring tears to my eyes


is there one thing you wish you could change but will never be able to , , I would say


I want to change my, my look uh, on life like in general like I tend to think a lot about, the future and stuff and then knowing how I am uh you know I tend to struggle a lot in what I do


so, , like just looking at like, the possibilities in that could happen in the future like the the negative side I always tend to look at the negative side of it ya it was I mean yeah it's something that I always do and


as of right now I don't know if I'll be, ever like I'll I'll be able to change that ever so ya but if I could I'll definitely want to change my, my look on life and the future in general


you been looked down upon by people in your life, yes , in secondary school


uh it was mostly like a stereotype kind of thing because uh I was from SJI, saint joseph's institution and it's like majority , like the , majority chinese people over there and ya the malays and indians would be in the minority and actually it's mostly the malays that were in the minority so obviously I'm


pretty sure we all familiar with the stereotypes lor, you know, how malays are and stuff, and a lot of people in my secondary school actually ya they actually use that against me like they degraded me in that sense yeah and they were just saying like [orh] you


know you can't, you can't do this you can't do that yeah you can't do math you can't do science can't do this you know you can't get a ya it many times lah I mean sometimes they they tell me is like [orh] it's just joking around but I mean at the end of the day if I was like


at the end of the day if you say it that means the intention is still there lah so, yeah


okay , have eh sorry uh did you ever have a pet that you loved and lost


ya I think I mentioned it in the previous section that, ya I used to have a cat and, ya I loved it a lot lah it was my I was the that was like, essentially the only thing I was looking forward to last time whenever I go back home but


ya one day it it just disappeared, and it was hard at first lah but I mean now that I've grown up and stuff I've learned to accept it so ya


, what popular foods do you dislike and why


, I would say I I I I don't like ferrero rocher ya it just eh I I just don't find it nice, at all and yeah everybody else around me they they find it nice and then they say like the nuts inside and stuff is nice I I just I just don't like


chocolates that have nuts in it I guess so yeah


okay, what sacrifices have you made for your loved ones but were not appreciated for it


so, I don't know if this counts but it was with my ex last time, uh, actually yeah I saved up money to, you know surprise her in in thailand and in the end you know


I saved up and I surprised her but then she got mad at me when I arrived cause she didn't want me to be there, so, yeah that was


what do you often worry about I, definitely worry about my studies right now


and it's not because I'm trying uh it's not because I'm not trying but it's just cause it's hard like with this whole COVID situation and everything is mostly everything is like home based whereas for my case is like everything is home based and I ya I struggle a lot with


you know online classes because I just I just can't concentrate and uh ya it just and the fact that my parents paid about ya few thousand dollars uh just for me to get into this private school but then thinking that I won't


you know be learning much from it and I'm not doing well in it it it just, ya it just worries me a lot


so what did you believe in when you were younger but, not anymore and why


when I was younger I used to think that , you know everything come easy I mean as a as a kid you know you don't have that much responsibilities you tend to think that [orh] everything just comes easy you see your parents spending, and you think that [orh] it's cause money is easy for them <B>


to uh to you know to get but then as you grow up I mean as I grow up, and like also being the oldest son in, [orh] ya the oldest child in my family you know , there's a lot of responsibilities and stuff, and ya nothing and like ya but now I just don't believe in you know that that everything comes easy and now in fact it's like nothing comes easy we have to like work for it as we grow


so yeah


describe a time when you ended a friendship or a relationship with someone else and why


, ya I would say is my when I was with my ex girlfriend, uh, ya I just had to end it because it was getting too out of hand it was too controlling uh I couldn't I couldn't even go out with my family and friends I couldn't eat outside


to the extent where I can't even take public transport, uh because she didn't trust me at all so ya basically I was just trapped inside my house, the whole time I was with her I couldn't leave couldn't meet up with friends I had no social life the only form of social life I had was with her


and ya I just had to leave that because like it just got too much to, to handle


okay , have you ever wanted to get revenge and what happened that made you feel this way yeah I was ya I was actually filled with like anger and stuff after, even though uh uh like after I left, my ex


it was to the point where it wasn't even like, , how to say ah it's not even like revenge as in like I did it wasn't even about like [orh] I want to make her jealous and stuff like that it was to the point where, like it mentally it got like I wanted to do something physical you know like it was just that I was just that angry uh like I just wanted to get back at her for like


keeping me, under a shell for for one and a half years, yeah and, ya in in that one and a half years I could have done so much more I could have done well in my studies I could have, you know make friends enjoy my my time but instead I couldn't


so , ya but thankfully is is fine now ah ya everything is better now


so describe a time when things turned out not meeting your expectations, I would say my uh ya my


my recent results actually I mean, uh even though it was home based only it was still the course that I was really interested in and I actually put a lot of thought and, time into , my assignments and stuff, and and ya eh when I found out that I didn't do well in fact I actually failed you know I I felt like I just


wasted that whole period of time when I was you know, trying my best to focus and get the things done so yeah


okay so, uh


yeah describe a time eh describe an event that made you feel really that made made you really feel, furious I would say uh when


part two, positive experience


uh what was some memorable moments uh from my younger days, I have a lot actually but I would say one of the best ones was when me and my family we would go for staycations because my family is quite big like living in the house so


going overseas wasn't really you know an easy option so definitely going for staycations at like Sentosa and stuff and then you know just playing at the going to the universal studios and ya just having fun with my family that was that was quite a lot of fun


talk about the fond memories of a pet that you have or once had , uh I used to have a cat, uh that, ya but I used to, like in my previous house I used to have a cat uh we will always let it like roam around freely you know just keep it in the house


and ya I used to look forward to coming backs from school every day to you know just play with the cat but uh one day it just you know it just disappeared and yeah but definitely I had a lot of good memories with that cat


okay so what are your dreams and goals that you wish to achieve before you die uh one of the dreams is definitely to, travel a lot to europe and stuff, I've only been to a few countries, in europe, mostly in asia but ya definitely to go to those countries where there is very uh heavy in football that's definitely one of my dreams and one of my and my goals ah uh my goals would is to <B>


a successful psychologist in the future so yeah I'm hoping to work towards that one day


so what do you love about life , I would say the the many options that you have to like have fun you know


uh maybe you're not just stuck to one form of having fun you can do a lot of things definitely with those people that you love like your family and friends so, I would definitely say the , the freedom in general


[orh]okay so describe an experience where your faith in mankind is renewed , I would say is when I was uh walking near my school the other day, and there was just a guy on the you know by the side of the street just uh he was selling tissue sitting on the floor uh and then ya from far I I I I felt you know sad but then I saw that [orh] then eventually there there was this guy that went up to him


and bought him a whole meal from, uh McDonald's and then gave him like hundred dollars, or like fifty dollars if I'm not wrong, on the spot so


okay so uh what is your favourite childhood food or snack


there's a lot but I would say the most memorable one is the that, what was it that sweet that white colour wrapped in the white colour eh that milk candy wrapped in the white colour packaging the one with the rabbit one I think it's called white rabbit or something


so ya that was definitely one of the best ones and, , yeah [orh] and for some reason Doritos, yeah Doritos was is definitely up there also


yeah


okay so describe a moment where things turned out better than expected I would say, , playing [orh]


[orh] I think it was a game of football ah ya ah ya football match, and yeah we, in the first half of the game we were, we were losing and the opposition was


quite strong then obviously my team we were like quite, scared lah but then eventually in the second half of the game we knocked some sense into ourselves and ya we ended up winning the game and I scored


one of these teachers one of this teacher he just came up to me and he just told me I'm proud of you uh, so even though I felt like shattered inside, but he like what he told me really yeah it was really like up till now it's still stuck in my head that was one of the nicest thing someone has ever told me


I would say when we had a staycation at marina bay sands I think we it was, uh six five years ago around there yeah so it was just after my exams then my dad surprised us at uh


uh marina bay sands and ya it was quite I was quite shocked actually so ya and then we ended up having a really good time over there going to the top of the you know the marina bay sands there uh looking over the whole


, the view so that one that memory definitely sticks out some of the best ones


so talk, about a time when you experienced personal growth I think it was when I wasn't uh doing well in my studies, and then that's when I realised that no one's like going to help me except for me so I have to start


so from then on I started to accept my, mistakes and then learn from there and I definitely grew from that and ya I'm quite proud of that ya


so, uh what are you thankful for I am thankful for the people that I have in my life right now like around me like my close friends my family


uh I have friends from my, uh like secondary school and all that which thankfully up till now we are still very close, uh ya they just yeah on some days they just put me, you know in in a better mood


and definitely they I would definitely not be where I am without them, so yeah


so what is a skill or an ability that you are secretly proud of having, , honestly I am proud of, <B>


uh, like speaking in general whether it's like trying to, you know trying to prove a point or like in front of like a lot of people I'm , ya I would say that my I am I'm quite confident in my ability to you know deliver in that sense so


ya I would say that's definitely one of those ones


what was your best birthday present and


why , I would say it was in eh when I, was I I think it was ya it it was last year uh when out of nowhere like when I came to school then my friends they like surprised me like they they told me that they already booked that they booked the chalet for me and all that and


yeah I've never really had that considering that I had, I've like quite a big family so it's kind of hard you know to like have this kind of things you know when you have a lot of people so ya when I it was definitely a good time and you know and also a good surprise when they told me that uh ya I was


that they actually got me a a chalet you know so yeah


[orh] you


so, describe your perfect day , honestly I'm not really like a stay at home person so definitely start the day with like breakfast outside and then I would say cycling


after that all the way until lunchtime and then ya I get some lunch , and then you know just continue eh and then like you know with like close friends with me then after that maybe like sitting by the side of the beach and then enjoying the sunset and all that and yeah and then ending the day with some drinks


yeah


okay what is the comfort food that you can always rely on to cheer you up since young ah it's always been chicken wings yeah always just chicken wings and yeah I would say that's also my favourite food in general lah not just my comfort food just my my go to if I were to go to any place to eat so ya


[orh] okay (uh) <B>


ah oh under cap also ah, okay ready


then my turn okay okay my name is lina Boh sister of ken uh Boli singh right uh I started uh very young was twenty one when I start first started working so, I have a concept of buy insurance so uh that was time when I have a colleague who's selling NTUC so that was the first policy I buy that will be life's uh


that was endowment plan, endowment plan plus hospitalization so I think that covers the if let's say in any case I need hospitalization I'll be covered on that, so uh it's not a big a big amount three hundred dollars a month that kind of thing so something as affordable when at that age lah I was twenty one years old then I met with uh again ah we don't want put all our eggs into one basket so


because I choose NTUC also because it's a kind of like a national insurance company so I kind of go for it, then uh Great Eastern was something new to me so I listen up and they are the first to have this thirty critical illness and injure cover so I bought it from them at that time uh that one also not a very large one that one is more like a


uh uh life life insurance uh a little bit of I think the critical illness is a term and then the it's basically a life insurance so it covers until today alright , uh overall during the period the life uh insurance and endowment was very popular


term was not that uh interesting uh that time lah then what else uh other insurance that I buy I do travel a lot so travel insurance is what I also buy, uh HDB flat uh fire insurance we have definitely that one no choice then there're other cards in uh the others cards that I acquire there are some cards that have uh what you called accidental


death insurance that they cover like uh hundred or thousand of dollars I'm not very sure but uh that also kind of like protection also, alright uh that's all I can talk about, uh and and I uh but the insurance, and for endowment plan I choose endowment plan is more like a saving plan rather than


a a life uh, uh, a life protection a protection plan lah, right, uh what else do I have


no I I travel over to malaysia quite a lot so I think is worth, to have this kind of uh insurance that covers uh, ya because if you go to malaysia you can't really buy like one day or two days insurance so it you know for long term it's cheaper to buy uh you know uh year annual insurance they call it annual insurance


uh for but travel insurance we used to call the agent for him to purchase the insurance but uh these days ah these days are all online uh my my my best experience come to insurance was uh grab insurance


uh I think you help me with that right, the Grab Grab insurance, !aiya! it's it not really a short trip because the short trip to uh malaysia so ya


, uh we're talking about uh, ah okay


mine's about uh within ten percent, because I don't want to spend uh want to want to spend too much money on insurance, uh, ya so about small amount just for investment, yeah


because that is not the because because that's not my whole uh in uh we call it uh investment lah I have other investments like share which I'll share a bit later, alright yeah so


oh uh my share is not high risk is uh blue chip uh singapore bonds fixed deposit that kind of thing so, net , , ya uh okay , but uh


but my my priority goes to when come to insurance goes to hospitalisation and uh a bit of saving ya that's basically it, alright what's the next question err


I'm more comfortable with local insurance like NTUC uh I think Great Eastern also local right, when it come to AIA Prudential it sounds uh very far


[orh], that happen that


ah , yes yes yes no no house content no house content no, or is that fire


[orh] okay alright, uh question <B>, uh travel insurance


don't have , uh because I do dive uh do diving so uh I don't know thing is that commercial activity it's more like a danger activity so during when I buy my travel <B>


right, as in I choose the one that that covers ah


yes yes definitely definitely ya higher risk higher amount ya I understand that, [orh] okay I don't have, oh I do have personal uh for example uh <B>


but that one that one I uh work insurance ah workmen com workmen com ya, uh that one commercial mah commercial


ya ya ya okay, alright, number six uh


(oo)


I didn't really have AIA one I have I took up the MediShield, but I I I'm still think I'm still thinking about edishield ElderShield, MediSave sure have lah but ElderShield I'm still struggling with it


exactly exactly, but because my my NTUC also cover that area so I'm pretty I'm pretty okay with that that part lah


okay let's go to the question number seven , , last time last time we used we need to but nowadays like all online


it it's not that I don't want agent because uh sometime when okay uh long long time ago it's used to be like one person can represent a few company, insurance company so they can choose the best plan that suits you suit you the best for you but nowadays because one agent can only represent one company and that company the insurance package may not be suitable for me


so it is good that I have some knowledge of the what the other company is providing


so so it it's it also depend what I want what is my priority so I take up that plan lah, I also read reviews ah so uh there's a lot of reviews that I read about all these plan that if I'm want to get it lah I also talk to friends so I talked to people you know


who own that plan you know they're share their experience yeah, alright so , right happen ah


uh hospitalisation is important for me, uh, can I share my experience now or can I share my experience later okay recently I just was hospitalised so it was uh over one night so uh the major of the bill goes to uh medisave


alright but I still pay quite a lot of money leh, let's, ya that's why I think


I uh the whole bill cost about two K I think, then I need to pay like five hundred dollars including the consultation then the medication I have, to take hor that so uh, a little bit of surprise there so I'll be looking into that, yeah alright


yeah <B>, anyway I I did I didn't uh I don't see the one day is worse to apply for my insurance ah so I didn't apply but the next one I'm going to apply the next the one that come coming in december


uh ah yeah, I I don't need ,


alright


do a review for you ya


ah ah, uh probably I will uh I will I will talk to the, I will see the person if it's a young person or a and or elderly and I have looked into their needs lah and their budget


you cannot you cannot cover everything all you can do is we more practically we uh we prepare them for the worst scenario for one case not like you know everything also want that kind, right, so you balance between needs we balance between needs and uh


uh and wants lah alright, young people nowadays I I, ya payment is one of that because young people nowadays they actually prefer term rather than saving, because term they pay out less but the coverage is huge


ah but then they don't have a concept of of saving is also a good maybe because they have other way of saving maybe they have investment so they think that investment is a way of or they are buying houses one of their investment plan so insurance becomes more of coverage rather than the saving plan


yeah this is what I, thirteen and fourteen yes <B>


whole life is, whole life is more like the saving plan plus, some coverage but term is only coverage, , uh oh uh


uh we call it compound interest compound compound compound means that every five sixty dollar you put that every year you get money but when come in the insurance you buy one year that's it over something like travel insurance also a term insurance


uh you go and check ya okay next one is uh, that one bullshit that one is bullshit , because I I did I did have one that covers uh the the duration is three years and it what happens during nineteen ninety eight


and then <B>, so luckily, ya I I'll get my basic back but there's no interest at all, so I wasted my three years


ya wrong time correct eh, it says zeroes hang hang out it says zero zero what do I do


ah !wow!, , !wow!,


uh, the invest because when I look at the investment profile what they uh invest on is, uh singapore bond lah uh, all the blue chips ah I can do that also so I don't see I need to ya, then I got to pay them for doing that to me for me


right uh, uh uh too high risk I also cannot take the the the investment I do is also safe investment lah although they say safe ah, my SIA bond uh my SIA share drop right now is uh hopefully lah after the COVID nineteen it will recovers ah


ya [ah] that one extra money so I can wait I can wait (ppl) but


delivery


, what did they give a reason for the late delivery, what what's the reason they gave


did they charge delivery, did they charge delivery, ooh


uh actually I'm I'm not comfortable with uh, uh delivery also, but I like my food warm so I rather buy and then eat and then uh, alright my turn, alright so my uh my name is my name is lina so I'd like to share uh two uh disappointing uh experience I have


first of all it was some Kaplan training centre that was some years ago uh I remember during the period uh think the government gave us uh some skill future money to do education so I was thinking maybe I should polish up my uh Microsoft skill


so they call it the C DL computer driving license something like this, so uh the cost itself is a whole package where they have uh Microsoft, Word Microsoft uh Excel Microsoft PowerPoint and uh and uh one more I don't know what was


that it so uh so Kaplan is a well known training center so I was pretty confident with them so I went up to register so I want I tell them I want the whole package itself, but anyway government pay one so I just you know register so I registered and then they say they will call me back uh if the class is available uh the classroom is available so fine so I went back


right so so while waiting uh it took about uh two weeks before they come back to me then they said there is a cost yeah, but uh you see uh lesson usually happens from uh uh, elementary intermediate then advanced but the thing is that they call me oh there's only one class available which is advanced Microsoft Word


so they asked me eh do you want to go for the class or not so I was like , I was like uh, uh not very sure so


is it okay is it okay, so I was , so what happened is , uh so no choice, so I said okay why not just try anyway just you know try the uh advanced course so I went for the course the classroom they say the uh class start at nine O clock so we're all there at nine O clock standing down there waiting


uh for the door to open the instructor was there with us waiting for the door to open it the person in charge uh just walk in about uh nine thirty he walked in he opened the classroom for us then we start to do the set up but by the time really start the course it was about uh ten fifteen


because of some glitch with the computer and all that, so uh taking the course uh there will be there was about twenty of us, and half the class has got no idea what's happening because everybody is struggling with the it's because it's advanced level not everybody there did the base the elementary and the intermediate


so we were struggling with all the instruction basically uh two days I think it's a two day course and then the third day half day will be the test, so uh, going through the whole course we struggle and then trying to find a way then of course uh I kind of consulted my sister about it uh she she's uh making a lot of noise too but there's no choice he he my sister says that you should start with uh elementary level


but they don't have they only have advanced so I said why not just take lah we see how it goes so ya super struggle then uh half the class because, the what happens during the test is that everybody sit in front of computer do the test and then uh half the class left the room because they have no idea how to continue with the test and we struggled through and then


of course after you finish uh I manage to pass but then uh, uh I wait for the you know the next the next lesson, err what happen is that nothing happen, till the whole , the Kaplan stay quiet until uh two years down the road then they call me eh uh lina okay are you interested to continue the course the CDL I say uh no thank you


so it's uh a bit annoying, yes of course I pay for it, for that one module only, uh for the one module only uh they pay by module so yeah


uh so uh it was such a bad experience that I I don't dare to do the CDL anymore I will just say maybe not lah, just enough to use will do ah if not then I ask my sister then she'll scream at me, that will do, right so this is one of the experience I have with Kaplan uh


uh service was not very good okay the next experience was , customer service from okay I have this neighbour this new neighbour who was maybe they are, they uh they rented out to foreigners so a lot of them is uh


they turn on the music to, till two AM even three AM in the morning they smoke along the corridors so I caught, uh so one of the department I called was nine nine five the police and then the police give me the attitude that you know you should not call them it's not under their jurisdiction you should go and call the MP for it


so it's like if you are not police is not helping us then who are we depending on ah uh I call the HDB, uh HDB give me attitude ya he says uh I will help you to transfer the information to the rest of the department town council and all that so I get I insist that town council to call me back if they settle the problem


so he uh town council called me back but uh it seems like, there's nothing happening that guy is still smoking they're still making a lot of noise, uh until today they are still making a lot of noise uh I have to go there and tell them


to you know lower your volume you know uh you know it's like three O clock in the morning you woke me up in the morning, you know and and sometime early in the morning you leave the house they just talk loudly you know laugh over err, I'm I'm in the lost what to do already so the


so this is a, ya they're still noisy they are still having they're still talking loudly uh maybe, uh what what I suspect is probably I'm talking to the wrong person because uh the one talking maybe may not be the same person that I talked to the last time


so maybe there's a lot of tenant inside that they have not transferred, uh transmit the information to the at the rest so if A talk then B don't know about it then B talk then C don't know about it then C talk so I have to go to them and tell them every night to lower their volume but


uh there's really nothing that we can do the the police says uh go to your MP and uh you know talk to your MP about this so, err uh town council, uh town council is not doing anything I have not go to the MP yet because uh I feel such a small thing I say police can actually help me already but then ya


then we see what can we do, ya so this is my experience with nine nine five which is eh nine nine nine which is not a good experience lah, I can also share a dining experience I have in <B>


they were having offer so we went over that was like, five six years ago we went over we ordered the food, alright first of all the service was very lagging maybe there's because I went uh went there about five O clock there wasn't a very crowded so there was two serving uh staff we went in we told them two person we sit down and then we waited


, we waited about ten minutes before one of the service came over to me uh I, in uh the whole restaurant I think only three table was served, so she she came to me and ask me for my order so we ordered and then we waited for quite some time for the order to come how long was it


it's about ten minutes, so ten minutes when the, food comes to us uh, I ordered fish and chips the chips was cold the fry was uh the fish was uh soggy so I kind of like feedback to the staff that you know


it seems like it has been placed there for quite some time already that kind of thing, so I kind of highlight to them so, the lady went in back to the uh to the kitchen then came out and say uh uh it is like this one you know sort of !ee!


uh fries and then the fish I don't know what to say so , so but, really, [orh] oh yeah


the one the one I went was city square mall so it's actually not a crowded place it should be good because two person serving just three tables you know I I don't see what's the problem and and had to let me wait uh like so long just for fish and chips ya I think that's it ya


two three,


my turn okay ya alright so uh my name is lina so I'd like to share that some positive uh experience that I had


that was uh during the CB period you know the closure, then the, the you know the all the shopping is closed and , there's nothing much we can do other than NTUC so I was that was the first attempt for online uh purchasing


because I'm very new about it I'm not I'm not comfortable purchasing without touching the material, so uh, so Shopee is the one that my sis introduced me to, and then I managed to do some shopping online uh basically uh the shopping experience was okay until I met this seller


she uh the seller was amazing so what we do is that I I went to uh do the uh order uh, uh it's about the product is uh, uh uh it's a earrings, so it's a very small piece it's just a piece of rod


a silver rod so it cost about ninety nine cent so, uh I don't really see how were they going to profit from it so I just you know, go on and try alright so uh after, I make the order make the payment uh they kind of uh the seller actually contacted me says that eh !hey! you've ordered from


us and , it seems like you ordering this product and it's uh, we have already uh what you call it uh uh, sent the order to china so china going to bring over to go to dispatch the product over, so we waited about uh three to four days


then uh the seller call I mean uh post again on the chat group it says uh the seller uh the the china has already dispatched the order so now it's waiting for him her uh the seller to receive, the goods, so what happened is that so we waited for another three more days


so she popped the chat again she said uh the seller said that that uh she has already received the products and uh is going to sent over by post, so , so we waited about uh four days again


and then she post said she had already send out by post and then uh and and kind of like let me wait for a few more days to receive it, so I waited , it was maybe about uh two to two days that uh I went to you know try to check on the mailbox and see what do we have inside so uh I went over


and I opened and I <B>, which is uh bubble wrapped and inside the bubble <B>, in the plastic there is a, sap a small piece of sap rolled up


and then there's little flower next to the, inside this plastic wrap so what I do is I oh I it was really nicely present I was surprised that they can you know the seller took the time just to wrap up this little uh silver rock for me


so when I open up it was uh quite pleasant uh I I I didn't expect this from a ninety nine cents sales, so uh, so I wrote on the chat say thank you very much ha I love the presentation and then they kind of uh thank me for it and then ask them ask me for a five star you know kind of a


uh award for them lah, so uh I'm pretty happy with it so I will continue to buy from this seller, alright, another experience was , I was having a uh, okay I went for a uh


uh a hotel stay uh it was quite, uh impressive because it's not a kind of, five star six star hotel where we expect service and all that it's uh I think it's about one to two star hotel, so it's more like a uh what they have is more like a personal touch so when I order online through uh


uh it should be through booking dot com, they were they they kind of reply to me immediately says that the order is uh the booking has been confirmed alright so uh they kind of email me the information what do I need to to to uh what you call check in


so certain information they require so they paste it on the, the email to uh to lead me through how to fill in the forms and all that, so uh pretty glad they did because it was quite confusing the forms ya so after I fill in the forms when I went over and check in


uh they actually expected me so what I do is I walk in and they said uh, uh are you miss lina I was like eh surprised they kind of like you know, make me feel warm you know when I visit the, uh the homestay so uh, they did the procedure for me


uh very well so, uh what happened is uh she lead me immediately to the room although uh the room is available only at three o'clock, uh I was there, about twelve plus so uh they said they managed to get the room for me uh prepare the room for me just for me for that day


alright so I kind of went in alright, so the room was very nice uh uh I mean uh pleasant alright, so uh uh so I kind of request for like a hot flask things like that and then humidifier


uh, a warmer and all that so they kind of comply to all what I need which is, surprising surprisingly to me because this is not a five star hotel the kind of you know we have great service so, all these helped me to uh enjoy the stay there for about uh four days


uh, along in within the uh during <B>, so, they they actually has a lot of uh the kitchen was so well-prepared a lot of uh, uh ingredient a lot of uh sauces and all that all there so I don't need to use it


so the lady was uh, uh she was trying to introduce her culture to me so uh what I did was I went to the supermarket and bought some you know, ingredients vegetables and meat so I came back to the hotel kitchen and try to cook, uh it was I was not too good at cooking so uh I was a bit messy


uh I kind of messed up my dish, so what the lady did was she was uh uh is actually she's a cleaner so she saw me struggling with the cooking so she kind of walked over and helped me, uh she even introduced me to how how she normally


you know cook this kind of uh dishes, so I, well the dinner was good so I kind of share my food with her, so we be kind of share a bit of experience and all that even though the cleaner was uh, extremely nice to me, then when I checked out uh


uh uh uh when okay I bought I kind of uh uh the I kind of uh spilt some coffee onto the bedsheet, so they did not uh charged me any kind of extra costs for the cleaning, they say uh you know accidents happen so uh


well uh I was I I checked out well really you know without any problem, so that is my second experience with the hotel stay, uh oh home stay alright so then the third one is I was uh, uh having some issue with the


my uh internet connection, so uh, uh it's usually around eleven to twelve O clock when they having problem, so , I kind of called up the hotline, so the hotline was uh pretty nice so the procedure goes uh the procedure like uh you know verify your name and all that so I did uh


uh so he was very helpful to me because, I I'm really nerd with all this computer stuff so he said switch off this button that button just to get the connection, so I kind of like err he kind he he was very he was very patiently uh guiding me through all the steps


until uh okay I, I I kind of mess up a bit so, but overall it was quite, okay alright, so end up I have to oh, uh so uh so the whole procedure it was


still not good so he say, yeah, Singtel so I have to uh send them to come down to take a look, alright so the disconnection is there lah, alright err, I am am quite uh surprised uh no I'm quite happy they are very patient with me not not like my sister which is a bit uh


yeah so they kind of guide me through turn off and on the machine then turn this the machine turn that machine because uh internet connection is quite quite uh, quite confusing ah to me, alright then uh, uh what else can I share I share another positive experience which is dining experience alright uh


I was uh, uh dining at the, I was dining at manhattan uh fish, uh one of the restaurant so, I eh, manhattan fish was the negative ah


uh where was I, ah I was having pizza hut, so , ah no it was kentucky fried chicken kentucky fried chicken has having a offer because, my husband was having a, a uh, birthday offer for


kentucky fried chicken, so we ordered on and it has been it has to be done online, so my husband called and then order online so what happened was the order was quite, fast, uh the lady was quite uh, uh experienced with the


the whole uh procedure so she kind of guide us uh and then she said uh what time we going to come and she guide us, uh what time should we pick up should be ready to pick up the, the the the the, the kentucky fried chicken so


the driver was nice uh he when he pick up the chicken he called us, he he kind of whatsapp us says that oh I've collected the chicken, and then I'll I'll be on the way, so he said he was at plaza sing so he'll be on the way here it will take about thirty minutes


or or less than thirty minutes so we kind of estimated so then he came uh he was quite pleasant he kind of like uh, uh knocked the door like uh you know just lightly knock the door and then realised that he's here so we pick up the products


err, pick up the products and uh yeah so uh the chicken wasn't uh you know usually when you order even if you pack back ah the chicken will be a bit soggy the fries will be a bit soggy also, but uh I'm surprised that you know when we open up the


box uh chicken it was quite, okay, it's not that soggy the fries a bit but the chicken is still good so uh I'm pretty happy with that service, alright uh I think that's it, anything to share polly sing


I run out yeah, uh what is it how is it the, where ah, oh it's in uh I was in Nara, Nara japan japan


I was still in japan Nara, eh so uh , so overall uh , , so uh I mean the the lady was very nice


the the cleaner is they they are not like those uh, uh you know hotel stay and all that, they are very pleasant they even if they don't speak the the english well but uh they are all willing to communicate with


yeah so, uh pretty good experience with that, yeah so alright so uh I like to like, uh share another experience uh I think we still have time so it was on the


it's about the air conditioning, because uh when I just moved in


I can't hear I continue I continue the aircon thing, alright I have uh, uh okay I've installed my aircon it's <B>


a disaster I I I spray the thing into the, the the net thing it it it was , very bad so end up I have to call the aircon service man that the, that time you introduced me