the best of it as in you might not you might not touch wood, yes


uh I can I can whistle really loud, , like , but it's it's ten seconds I can't think of something entertaining what's yours what's yours what's yours quick


I'd I was expecting something good man come on, alright, alright fair fair fair


okay


finance okay so


do you have a savings account if so share your experience and details of your accounts if not why do you choose not to put your money, in a bank so, for myself I have a savings account in OCBC, and uh I I got it since my secondary uh polytechnic so


there was a outlet in my poly, so that was when I first got my debit card so uh since then I've been uh saving and and as well as using up uh expense , my expenses using this particular debit card


ya so uh likewise I don't have a credit card, err but I intend to get one during err when I start working after I graduate from school, because I believe that as a working adult it's important to have a credit card, because of the, the rewards that come together with it such as the rebates or


uh and also cashback schemes that the credit cards err credit card companies come uh bring bring of so uh one, one credit card that I know of is from, this uh, krisflyer miles credit card so as you use this credit card it will also give you a certain amount of uh


miles will which can be uh use to on your vacation period, so do you know of any other schemes that uh, have this kind of credit card uh rebates or some !huh! understand okay so what I think is that uh couple should combine their finances and open joint account err


for both of us being a couple I I, believe that there there should be a time where we has we have to start on a joint account so that err, that also depends on what are the the the like what like what I said earlier, the rewards and benefits that come with this credit card so


like let's say maybe on a vacation err you can use this, like for you to, with krisflyers miles credit card, where you want uh once we have this savings and expenses that we use we can be uh rewarded with uh miles we, spend on vacations in the year end period


at what age should a child be given an ATM card to manage their own bank account, if your child has an a bank account share your experience on detail so what do you think what, what age should a child be given


the children I think parents can open up one for themselves like err like what from what I know there is a child saver, plan from POSB which uh was what my parents got for me and from that I progress to, the debit card that I have right now like uh OCBC one


so I believe that child can be given, a actual debit card for themselves personally, maybe during their secondary school or polytechnic that should be a, good gauge I think it depends on the individual err so like for cashback is more I think cashback is a more common option because uh


it straights away it gives you cashback for every expense, or any purchase you make for uh, for miles like what I, suggested earlier it was it was for the amount of money, for example a dollar it, gives you like a, at one point five or one mile


so which type of credit cards do you think, they should be using people should be using I don't really have


a fixed deposit right now but I was considering of getting one, after the allowance that I got from my NS, where uh not right now I'm not using a fixed deposit scheme or any of those kind of uh plans what about you


for myself I don't have uh experience of purchasing purchasing


interest rates are unattractive, whereas others may feel that their money is safe and accessible in banks, in light of this would you save your money in a bank or, invest it elsewhere so for myself uh I think that


interest rates uh for banks are, I think it's reasonable uh as, for the ones I'm using right now the debit card for OCBC, uh if what uh I've, I think it's zero point two per cent if I'm, not wrong I think it's alright err


but I see where people come from that is, unattractive, but if you considered the considered that in the long run, I think you can uh have a, uh a reasonable profits, in the long run uh and, it also varies per the amount of err


amount of money you have in your bank because the, the interest rates actually depend on the term uh the amount of money it varies according the to the price range, so I think it is, bad I think it's the normal it's reasonable in the long run so that's why


what about you what do you think about it


likewise I also feel that keeping the money in the bank is more safe and accessible because, if I'm keeping it in, my house or somewhere it really accessible to me, err like not in a bank but, see if I keep it very close to me I feel that I, I will use it more and


it won't come with the benefits such as interest rates so it's, quite counter-intuitive so, it's better to keep one keep the, the cash in the bank, and also enjoy the interest rates that comes with it instead of just like uh using up, so in the end


it's more of like how much you gain from it, to so I, you think it's better to keep in the in the bank, it's for the safety and, uh not to be able to use it


uh for myself I also have a student loan, from uh OCBC bank so I'm taking up the savers plan as well so what it does is that it uh cover for example my student uh fee my tuition fees is a certain amount of uh money it covers up from


ninety to ninety five percent of the total bill, and whereas the five per cent will be covered uh using uh my personal uh in uh my parents income ya so, so five per cent will be covered by them, and err the remaining ninety five per cent will be will be uh paid by the bank itself


so at the end of the four years, of my err degree I would have to uh pay back to the bank so it's it's a student loan uh ya think for cashback points or miles I think points or cashback will be a better option


cause err nowadays people are people are doing more uh online shopping, and uh they the they use expenses over there so cashback and points is a better option in the current situation err, because will be beneficial for


the more purchases you do online shopping you will be beneficial for the long run it can because cashback is actually is the it will it has a faster way of seeing the return and the reward what do you think


so between cashback and points I, for myself I also prefer points is uh points for credit card because, uh, uh from what I've observed, my dad has a esso if I'm not wrong is a esso card from DBS uh from uh from a ATM


so what it does is that every time you you do a purchase at the esso or, uh pay for your petrol fuel right, so uh what it can it uh accumulates points and it can be used in the esso uh petrol kiosk so uh that is a certain amount of discount and err


considering how important, uh petrol is for people who drive for drivers I think it's already a very good reward uh rewards scheme having uh point system based on uh petrol uh I don't really remember of uh I


I personally have not purchased investment, products my family have but err I don't really remember of the the insurance products that they have but I know of the insurance agent uh who is helping my parents uh and my family for for the insurance uh to be for my for myself and my parents ya so


what do you think in the future do you intend on for your credit card right do you intend of having


is beneficial for, working adults and as well as uh the family because uh this contribution is as it based on err medisave and edusave, which is also important for the parents and the elderly, because err


it there's also a retire retirement plan that comes, err as part of CPF so when you consider the retirement plan it's uh, important for the working adults that retire, to take have this uh the CPF to to plan ahead on their the retirement schemes and to to decide on the where what how how to make use of the CPF uh retirement uh think but uh the amount that comes out of it what do you think about this what are your thoughts on this


negative experience, for myself I


the biggest pet peeves or what annoys me the most would be the times in the morning where I have to queue up for to go to school in the morning uh where I have to take a train or an an an MRT to go to school and where I when I stay at err my


in the north in Sembawang right so uh last time I when when the last time I used to stay in Sembawang I have to travel all the way, to Jurong east and to go to school uh so the the annoying thing is that when people they do not, uh queue up properly or they they actually rush uh in and they we all have to squeeze squeeze uh together in the train and mean when uh considering that I have to carry my the my huge bag with my laptop and everything


uh it really annoys me that uh I, uh mean it's it I won't say that it's anyone's fault because I understand that people have to commute to their workplace their school as well but, I feel like it really annoys me that people will just squeeze in and that is really something that I can't stand because uh especially when the train uh have to make a sudden stop at certain stations it it really throws everyone off guard and like considering that I carry a really large uh luggage it


uh I I there's once I lost balance and hit the the window so like experiencing that on err on a daily basis when I goes to school really annoys me ya, so what is your biggest pet peeve or annoyed what annoys you the most


okay so another err uh pet peeve or something that annoy me recently would be when err this situation actually happened a few days back when I was in uh studying back in my university so uh what happened was that err


so my friend was actually drinking err, err we uh uh drinking water and using his water water bottle so he removed his mask and right now uh considering that is uh uh COVID situation what happened was that uh around nine PM this uh security guard came in


and err he's raise his he was quite stern he didn't raise his voice but he's he was quite stern and uh he told my friend to uh please put on a mask uh like this is a second time uh warning you, and he my friend what he did was that he he only raise his voice err


even even though I understand that he was drinking water but uh it really annoy me because he raise his voice uh to security guard, uh telling him that uh what do you mean that is my second time I'm just drinking my, uh cup of water, err and as in as you can see I I have my mask down because I'm drinking water so I'm obviously going to put back my mask right so uh he say that in a really stern and very in a


really rude manner and that really annoyed me because err we shouldn't we should always treat everyone as equal you shouldn't treat just because err maybe he's not as uh educated as us, uh you shouldn't treat uh them uh poorly and unfairly so it really annoyed me and the the next moment after the security guard left right I I had a talk with him and told him that you shouldn't I understand that


he he he was twenty three but you shouldn't be rude towards uh people like err security guards or cleaners and we all should always treat everyone as equals so this this is what I feel


for me I most of the time I don't cry but err, during movies but uh there was one when I watched err a tamil movie and I really was infume uh so we watched at uh downtown east


and it was a family-oriented movie and most of the time I don't cry but, uh considering that it was really close and the the the movie touched err, was really close to my heart, so err, considering that is a very family-oriented movie when err


uh when the child was used to be very close to the dad, uh but uh, the when when the child was very close to the dad when when it was she was young but what happened was that uh along the years the parents were having err, a few so were having issues so the dad left to a different village so what happened was that err


after few years err the dad came back into the the wife's life and uh realised that uh, that the wife is actually doing well so after separation the dad he actually came came together found the wife and realised that the kid was growing the daughter was growing so err


coming back and from from the to the ground and helping the daughter as a as a, as a err, as a watchman, uh and also , err driving her driving the daughter back from school it really touched my heart because err


I understand that even being even being after being separated the the dad he's actually trying to do so much for the child and want to be there for the child and he has never err, err took priorities away from the child it really touched my heart


so uh I will start with the younger generation so what do I dislike about, the younger generation I would say that the err right now uh they're really uh onto their handphones they're really engrossed on their handphones and technology


so as technology uh grows the it appeals to the younger generation so uh what really I did what I dislike about this is that the younger generation tend to they they use the handphones and they are really engrossed in them err


especially when they are at home and I understand that that is the time where they actually have a little more time to use their handphones and technology but I believe that they shouldn't be using uh, their phones or laptops in the time in uh family bonding times and I


I dislike that they err, and using uh handphones especially when they're having dinner I I believe that he shouldn't be using them err and they should be instead instead they should be talking to their parents talking to their their siblings about what happen in their lives what happen at school and I believes it's a good it's a good and healthy process of sharing


and technology is taking away taking that away from them and uh, understand it appeals to them but they should also be told to to stop using their phones and when uh it's in this crucial activities such as uh uh family bonding activities of eating


ya what do you what do you dislike about younger or older generation


so do you have err what is err worst travel experience that you you encountered


so there was a time where I feel I felt that, nothing I did was good enough uh it was during it was okay so is when I was in secondary school and uh I was err, I was doing english and during that time my english was very bad so I had I would I constantly got err


very low grades like E eight F nine and no matter how much I tried I I couldn't get err like proper uh the hang of english and, and uh my err my my composition was very bad so err it really upset me that I couldn't do as in as much as I tried I couldn't uh understand the I couldn't I couldn't understand how to write proper essays proper compositions


uh and whatever I wrote was very, was very simple and was err it wasn't in detail so that really upset me, and err because of that I had to go to british council and uh my my parents brought me to british council where I have to take up uh


lessons on how to write proper essays proper compositions and err how to explain things uh more vividly and more detail so that was one of the things that really make me uh upset and felt that I couldn't do is a hump as as much effort I put into my english I couldn't really do uh at as good enough


so do you have a time similar to that where nothing you do was good enough


the embarrassing moments that made me cringe err, think it will be the times where I failed to do uh so there was a time where, I had to go swimming I was I'm I'm very bad at swimming so I have to take up lessons uh in the the neighbourhood swimming complex and a lot of times I I couldn't get the hang of swimming and it really made me embarrassed like having the public look at me


uh and trying struggling to keep afloat and and all these times I it really was really embarrassing because uh I couldn't get the hang of uh a simple uh breaststroke and and it it really make me uh feel that you know, err as as much as I tried I couldn't get the hang of it so err


in seeing the public was really it was really embarrassing that uh I, uh and even the the instructor told me that I had to come or more frequent lessons so it was really embarrassing for me to hear me hear that and and to to see that I couldn't uh take part in swim uh in proper swimming and get to get the technique and the whole of it


positive experience


for myself err the hobby or activity that I felt happiest doing is as a child, would be uh playing soccer because uh since young uh, from the age uh of when I was in primary school, I've been uh, continuously playing soccer everyday I will go down to the neighbourhood park to


to meet my friends to uh enjoy a session of soccer and, the reason why I feel happy is because uh it, it's always the, the the we play we play for soccer for the the entire day after I finished school so


when we bond in soccer and also after the game, we we uh go, to the nearby shop uh shopping mall or we go to the nearby uh, hawker centre to get our drinks, or food, it makes brings me joy so that's the reason why soccer has always been


the funny thing would be that it's when I'm not in school, cause err the those were the parts of my time in my childhood, where I was err very naughty, so uh like uh when, after school what I will do is that I will go


meet my friends for a session of, soccer or, uh sometimes uh what I've done is, that err, instead of going for tuition which my, my parents signed me up for what I will do is that I'll skip that and I, I'll play uh soccer with my friends, err near on at the the near at the playground that I'll uh was behind my my house


uh so I will try to hide from my parents and I will play soccer with them, and err, what we'll do is that I'll I'll play until about ten PM in which uh at the time where my tuition will end, and then I'll go back home and once I've also err


what I've done is that I skip tuition, and I've gone to uh uh uh futsal eh with my friends in in farrer park so uh, for two hours uh instead of be in my tuition I was uh


now you start first what is the best thing that you done for yourself


so uh likewise err, I, I also was in the situation similar to what you mention, so err I was I was I had a fear of, speaking up and uh to people and as well as uh uh speaking loud uh, asking for questions from teachers I also really like uh


err, I didn't want to speak up, in classes, uh so what I did was that, the so answering to the question what is the best thing I've done for myself, I would say that uh I joined into, a CCA call uh toastmasters so uh toastmasters is actually a


international organisation, so what they do is that err they would, every session when you go for the CCA right uh they will tell you to, to go up to the front and uh, in this uh group of ten to twenty people, you will have to err that you'll have to come up with a topic and talk


about the topic for two minutes, so I've recently uh last semester in my uh in my uni I went for the the the CCA session and I felt that it was really uh useful for me to come out of this uh bubble and err that would be one of the best things that I've done for myself because it improve my confidence uh in front of people


uh when given and the topics that they give you are very random topics, like err then there, was once I was given a topic on, what going back home and uh and, so what I've to do is that I have to talk about uh


what did I what I did when I go back home from, one and a half minutes so err, when they throw you off guard and uh they give you questions like this is really, and standing in front of like ten to twenty people it was it really tested me and that's it that's when I realise that uh I


I I actually have the confidence to, talk in front of this the amount of people, uh regardless of the topic that they give


the people I cherished the most in my, life would be my parents my my grandparents so in my family in general because they have done so much for me since the the day I was born uh including giving proper education and I'm I actually really I am really fortunate for that uh and the


did they are the people I cherish in my, life because uh they they without them I wouldn't be here and err I wouldn't have gotten proper education proper food and a roof above my head so they are they are the people uh the best people according to me


ya I agree with that err friends have been there for for me as well uh I have a friend of mine who has been with me since secondary school up till now in my degree


I'm even though I, I'm not I'm not really close with him I, I feel that we have done so much in our life since secondary school till now we have uh shared so much events, so much so many activities err that err uh, without him I wouldn't be


uh able to, study together with our friends and I wouldn't have bonded with my, and make new friends in uni as well so uh, having a companion in uni really help to also explore the things, err that were available in uni, my university and


another person that I cherish in my life uh will be my mom because uh she, is also err a lecturer and she has she always uh, converses with me she tells me about her her students and she helps me when I need uh uh advice and she instead of treating me of as a a son she also treats me like a friend


so I think that bond is very important where you are able to, to share uh share your your like uh experiences and your feelings with uh uh uh parent uh so as uh freely like that uh for me it's


a tamil song but I'll I'll translate that, in english so the direct translation to that is that uh I'll cross the seven seas and uh come and find you so it's from a it's a tamil song so


what will be what is your best, song lyric uh if I were a millionaire I think uh first thing is that uh I would consider on uh how much I should give to the charity is uh and also to people who are not fortunate in the world so that will be the first err priority then uh followed by how I can actually sustain like sustain the amount of money I have as a millionaire so maybe I would uh start up do a start-up business or come up of uh come up with a product that will err sell even more uh millions so that this million can actually sustain so that will be my life as a millionaire because


first thing is charity and second thing is how you want to sustain this amount of money, ya so what will your life be so describe the moment when you felt the luckiest okay so err similar I similar to that I actually had err the same activity so what I did was that err uh


uh there were search by names starts with A, a lot of uh my friends a lot of my classmates had the letter A as well, so they had they took up so many in uh first initial letters uh of A, so I was only left with aquatic so I said aquatic I know


but I really is that I can't even swim so, uh ya so uh another, another lucky moment that I had was err, when I was err so in the so like in my class in my school in uni I had err my first like in my first name will be S starts with S my father's name uh a lot of times I'm I'm


I consider myself as very lucky because uh, the other friend my close friend's name also starts with S so many of many times when we shared we have uh the same test to go for, our initials uh are side by side, so, the classroom that we attend the the tests that we have to take is all


in the same room so we, we won't uh for every module that we do right, uh we don't have to uh feel the the loneliness, the loneliness or feel afraid that we'll won't find our location because, we are most of the time we can we always stick together, because of the fit the same initial ya so uh


in a way I would say that I'm lucky, that uh both of both my close friend and I we share the same initial so there was a time when I uh there's


this the travel experience that left me, in awe so err, what happened was that I travelled with my, my mom and her friend and what happened was that when we reached to the airport we it was we travel to a place in bali uh and


we realised that uh our luggage was missing so we waited and waited at the airport, uh the the the, place where you actually collect your luggage we waited and, waited we couldn't find we couldn't err get uh, we couldn't see our luggage, in the belt so we started to panic and panic and err we also went to approach the staff there and they told us that those at the side are are the ones that are uh uh


uh not uh on the belt so they uh kept them aside, err they kept, the luggage luggages are kept there at the side because they, uh of probably fragile or, uh they are, too heavy so they don't like really put on the belt but even then


we couldn't find our luggage so what we did was that we, we had to go to the the airline err the staff to, to tell them and lodge a report, so the funny thing was that the luggage err it was uh my mom's luggage so we


all of us we started panicking and, uh what we did was that uh we my my mom had to buy a whole set of err her makeup her I mean she had to err fork out the money to get her uh her clothing her makeup and everything


for that uh for that one week that we stayed there, and until now we I, we didn't get the luggage back so I didn't I don't know where the luggage actually went, uh so that is one travel experience that is quite a disastrous that I say


uh yes I also have a savings account so I started off with, POSB uh, kid savings account and then as I grow older then I open up other, bank accounts at like uh UOB


I only know that UOB has the credit card where it has like we pay a certain amount and then, you get the different design or different type of credit cards so I'm not so sure of what scheme they have but I know that they have different designs on it so yup so uh


do you think couples should combine their finances and open a joint account, if you have a joint account with your partner share your


way to actually uh put


points or miles which type of credit cards you


err yup so err, I think cashback points or miles I would prefer points because uh, I know what is my usage, and I can actually go back to it whereas cashback or miles , maybe it's on the second hand lah, so I prefer points and I think it's


easier also so the amount is more fairer so the amount you spend, then you get a certain amount of reward yup so I think they should be using maybe points yup point is better lah so yup


do you have a high yield bank, account or a fixed deposit


if it's useful then further down the road, when I'm adult then I can go ahead with it yup, so at what age should a child, be given an ATM card to manage their bank account oh sorry this one was already asked so question number eight what


is the experience of purchasing investment products err, uh example unit trust EF ETF from banks if you have such experience share the, details name and features of the product, of the insurance ya


product that you have bought from the bank


I'm not so sure of the details but I know that, you have to invest certain amount and then then and it's base on like the type of insurance that you have applied for then, you get the money back or depending on how the job is like monthly or weekly


the interest rate are depending on the bank, I think banks are always safer to keep the money because I cannot be cashing my money at home or stashing my money at home somewhere so I think keeping it in think banks are safer and maybe if


keeping it in the bank then I can choose a bank that gives me the lower interest rate, to, be do depending if I'm saving or it's a investment or whatsoever, so I think interest rates it depends on individual yup yup okay so err what is you experience of getting a loan uh example home car student is actually from a bank if so share the details for me is I've never actually experience uh any loan like myself


but I know that my mum has, a home home loan, like a mortgage loan so whereby they consolidate, a certain amount, so you only pay err a certain amount to a certain, bank so they what they do is they consolidate all your bills and everything so you just pay a one time payment that has all the banks


uh loan and whatsoever so it's better that way and for student loan I know that my brother is taking one so it's over OCBC and then it's like a it's like a saver's, plan like while you save while you study kind so you save while you


studying throughout the four years, and then after that err you after that, you once you graduated and when you get a job you slowly repay back, the bank with interest and whatsoever although that, may sound like a good idea but uh, I'm a kind of person like it's better to pay off on the spot so you know you can keep track rather than


uh snowballing snowballing and then


points or miles, what what is your opinion on it what type of credit cards do you think they should be using okay err for me is cashback is that what I understand is that when you buy now you use your credit card you pay


and then the next purchase you get some kind of, discount like I don't know fifty percent or ten percent discount and then like for point is that you purchase and then after that you you, have some points into your card, and , for miles I'm not so sure how it works


but I know that cashback to me personally I don't prefer cashback like I said just now because cashback is like is like I have, to pay now and then later on I've to in order to see the benefits I have to wait


for an uh one trip, that I'm done, or whatever I've paid and then after that I've, to, get the reward whereas like points is like it's, pay as you go so you pay and then you accumulate accumulate and then it's up to you whether you want to use it or not because personally I use uh


points not credit card but the, for passion card so I know that points is better sometimes when I when I go to get some stuff like lets say I pay ten dollars, and then because of my points, I only get to pay four dollars that's like more than half the


price so I think points is way good than cashback or miles because for cashback when I, have to wait like for example when I use , online purchases and all and then


not say that lets say I buy from this shop not say that I'm going to like the product or, I'm going to go for it you know mean sometimes some products maybe uh just a one time, thing so I feel that cashback is like a risky thing, so you don't know whether you will go back unless it's a place that you are familiar with


like I don't know like NTUC or electronic goods then maybe I would say cashback is not bad and ya so also have to check like what kind of cash backs they, give I think cashback is not like every


so that's why she decided to carry on with, like uh external financial planner so whereby he gives you, very similar kinds of, insurance rate but like health and and savings plans and everything


there was once though , I think UOB called me and then they were talking about , getting an insurance that is like a, accidental thing so there's a, premium and the non premium one, so for the premium one is like because for for me I was a


student so she she give me the twelve dollars per month so that one is whereby they deduct from your bank every month, for uh accidents or anything and then, fully covered, or whatsoever but depends on the, on the


how like for example fifty percent or seventy percent so if you pay premium then is, definitely covering more lah so if you, pay lesser then ya so and then I was telling her my concerns whereby, you know I'm a student so


I mean what if I don't get into accident then, that amount is actually going to waste you know, so then she, advised me that it's better because it covers like different kind of, illness or disease like let's say you got cough, fever you can actually instead of going to polyclinic you can go to


the private like the, GP to actually go and check, and then you can also claim lah so, it actually varies lah from, person to person, depending on your


so sure which because uh for me personally I've only, experience point, but maybe if I know the details of like cashback or miles because I'm just worried that, you know cashback is like , what if I purchase and then I'm not going to go back there again


or if let's say I go back like, one years before or one year after


very very very important so uh, CPF contribution is like for example like, let's say you gonna buy a house, and then after that you don't have, enough funds because most of it like you need to save in order to get a house but it with CPF contribution not that you don't have to save


you have to save but it's just that , let say suddenly you don't have enough cash and then you can always use your CPF usually for CPF contribution is like is like forcing you to save up for, for your future or retirement or whatsoever so I think it's a very good thing and you should start earlier so you know like sometimes some people


like some students say that you know I'm working part-time only, and then the CPF contribution is like a lot, and then it's like, like some of them say uh because I get like more than seven seventy or something and then my CPF is like uh half and then I only get half back half of the money which is good because I mean you will see the advantages and in the long run so ya


negative experience, err what is your biggest pet peeve or what annoys you the most


ya for me uh biggest pet, peeve is just, a few so number one is like you said, invasion of personal space or, privacy so personal space is like, when, like for example you're standing like I don't know why singaporeans just loves to queue everywhere they go and when they queue the don't maintain a personal space they always like to come so close to you and I don't know what for but


thank god for COVID so, you don't there's a, metre over there so you don't have to worry about that anymore, but the thing is, I just don't like it because I need my space and I feel very uh claustrophobic when people just come so close


and they don't understand the, meaning of personal space you know so they just come in, like I need a like a, good space to actually move around, and then number two is actually invasion of, privacy is like when


certain things I don't mind to actually share, certain things I don't mind I mean , I'm a very open person but it depends on , how close I am to you or not so it's like some, I have a friend who actually a close friend who actually like


when we are around she would actually like take my phone she knows my password and everything my phone password and also she will just go in and all so I'm okay with that but, to a person who I don't know and then or like let's say for example I'm on the train and then like you know in a reflection or a person, at the back of me is watching my seeing my


whatever that's going on in my screen that that, like, is my biggest pet peeve is like, don't so because of that I always have to like turn, my brightness very down and then err, I am actually planning to actually go ahead and get like a, privacy screen, is because it's very annoying like people


there are some people who would be like especially when you're texting and also because of that also I have to make the font sizes smaller because my, phone screen is bigger and then err number two is like lying so I feel like white lies are fine because I lie also but it's just that there's a certain limit to any lies and ya I


think that should be maintained I mean you can lie all you want but as long as I don't know that you're good enough then that's good, and then another thing is that uh courtesy I feel like like, when you know something you don't you don't get, err you don't go out there we you don't educate yourself that is another thing that I don't like because when I'm talking to you and then like you asking me like oh what is this


and then that annoys me like , we are all in the same situation how can you not know you know like uh, the unawareness sometimes, it makes me so angry


recall a scene from a movie


similar uh I can't recall the scene but it was on err, it wasn't a movie but it was a drama serial that, is a korean drama serial whereby, the child would had the, the parents were actually


doing some, things to actually make the child survive uh like in a illegal way which is against nature, so then , and then which cause them their, their which age them which made them age earlier because like


ya that is very sad because like uh, the amount of things that, the parents are willing to give for their children is err a lot, uh ya, but then again at the same time it was uh very sad because


it was uh from a third point of view seeing the child who is only like let's say four or five years old and then, going through a very , bedridden life is not easy on the parents so, that made me cry a lot, ya so yup so describe what you dislike


about the older or younger generation


okay with traditions and everything but I feel that the older generation needs to get a, mind shift from whatever happen during their times to whatever is happening happening to our times, and, that along the way they should adapt


to what, we are actually experiencing, I would say the boomer generation because , they are so into culture that they, do not care, about others or uh they do not care as long as you follow they are okay with it they don't mind if you follow


blindly away, so , they don't mind if you are blind, uh blind, blindly following a traditions they will just make you do it and, as long as their works get done they're okay with it so and I feel that sometimes


according to me like tradition needs to be, uh if you explain to me what is it, and then I would, I will understand it better but if I don't understand it and I, see that it seems ridiculous then I would not go ahead with it and at the same time


the younger generation I would say, that they need, to also I mean although being born, in this era new time and age, technology plays a part but I feel that uh they need to understand, stand the hardships and the the simpler things of life lah so like they need to


know the importance don't always think that you know it's so easy, that , but whatever they have right now is actually built by, their older generations and, everything so respect lah ya err worst travel experience I would say


there was two times first was , it was my I can't remember it was my second or third time to india and then we, actually got uh because we were only staying there for a day and then after that we just wanted to have err, good shower before we move into the actual hotel


and then it was, I'm not so sure if it's a budget hotel but, when we went up it seems like a HDB building and then second floor so we got our keys I and, that particular hotel room doesn't, opens up with any like card or anything it opens up with a key


so what you have to do is that you have to use your key and then open it so it was the hallway was very dark, and then uh worst off is that they gave us a room that is like, right at the end, closest to the kitchen that is downstairs, so when we went into the room


the doors are closed I still can hear whatever's going on in the kitchen, that was very very annoying, and then after that when we went in, there were like cockroaches like small cockroaches running on the floor, and then when it was, it was so annoying and then when we had to go down to the counter to


ask them to change for a room and everything but they weren't actually going to change for the room, so it was like err here and there so we we needed uh help from a friend who was actually staying there and everything so was a very bad experience that was, one and number


two was there was once , quite recent I think last year and then we went and so we decided to go to the beach, and so we were at the beach walking around and then so I think they can realise that we are not err


locals and that we are from we're tourists so they would they would actually watched you from afar and then when we're at the beach where we cannot go anywhere then, they will come from behind and then they will ask you for money I think those are like , beggars or anything so they will come and ask


you for money, so at that point in time I was a bit blur because I've never experience such, ever in my life before so then they would come to you and, and that particular time, I was actually having food in my hand, so the food


in my hand and uh it was like uh you know in singapore we used to like if we eat we we, we we have half, of the food we like to Dabao it so then uh, like takeaway so then after that when, uh I was carrying on my hand so this lady, came up to me and she was saying like


can you give me some money even if it's like , two hundred rupees I'm okay with it so then after that uh I said no I don't have it and then I looked at my mom so then, uh she, she was like looking at my mom and then she kept like


forcing us so then we went with, another aunty so this aunty said , just ignore them the more you entertain them the more they will ask you for more money so then after that we ignored them but then she didn't stop there she kept following us all the way wherever we go so that beach experience was so


bad and then she keep coming behind me and then she she told me that okay you don't want to give me money I know you have uh packed some food you need to give me that food, at least give me that food because she was carrying a child, and then she said you can at least feed my child then I


see no I'm not going to so we went to the taxi and, until then they were following us so then uh before we go into the taxi we couldn't get a taxi so then, my aunty decided to give her like err two hundred rupees like you know and


the next moment we realise that we are swirled around other beggars like her fellow friends or families I don't know if they're actually beggars or they actually stay around that area and then it was so scary because, another lady who looking who looks like her probably her twin


holding a random child who doesn't even looked like her own child and then she's like give me give me money can you also give me money so we had to like move out of there and then like quickly, grab a taxi and like like, get out of that area because it was so scary, and that's when I realised that


is the worst and I realised that, never give money to others when you're overseas ya, so uh describe a time where you, feel that nothing you do is good enough


it's all the way from primary school, so when I was in P three I had to go for a opt and then ever since then err apparently the opt was related to my , a nerve to my brain or something, so ever since then it's like I felt that I wasn't whatever I do is not good enough like in the sense that no matter how much I do my work I feel that people will always like tend to look down on me because me being a smart straight As student and then suddenly I drop that made me feel like okay somewhere something wrong and then as I proceed


to secondary school I was a very mediocre student, so I was in NA and then after that I went on and then I didn't do so well and then I went on again to ITE and then I realise, at that point in time when I went to ITE, it was a it was a very big stigma that if you go to ITE then you are not


of a good calibre student, and you would have a bad ex uh influence and everything so and then after that I thought that after ITE the I thought that my life was going to be, and that's the end I don't know where to go or what to


do and then , but I didn't stop there went to do my research and I, and I realise like where my interest lies so I went to pursue a diploma and then after that finally a uni uh I got I went to uni and I got a degree cert so


all this time I always thought that I wasn't good enough but, whatever skills that I have uh acquired from all the way from a very young age until now I can say that that's not true lah because like I have proved myself enough that I'm actually good enough I don't have to feel not good enough so ya so describe the embarrassing moments that make you cringe uh I would say that when I was err younger I had very long hair like up till my lower hip


it was very long it was very straight, and then , so there was once , we always go to this particular , barber or salon to actually do or cut, or trim hair so there was


positive experience, is a hobby or activity that


what we do is we, we love to watch a lot of, TV but at the same time we like, to go out to the playground so , at that time when we were staying , right under our block like beside our block there, is this few there, is a few playground so everyday or every week we may have a different kind of mood so what we like to do is we like to go down run and play around so what we do is like we will name the playgrounds like playground A will will be called the small playground and then


playground B will be called the big playground so every day we would, we would like say to our mom that okay, we only need one hour but actually we'll take a longer time, and then, the time that we go down is usually like you know after four like when the, sun sets and then, we will always go there and then play and


that's when it's more, peak lah so then there will be a lot of kids so, you have to fight with them to get your chance to actually play in the playground, so like you know you would see like, the slide is like , that time we were younger so the slide is like very long so it's always like


filled with other, people and other friends so I think, because we were quite young we don't have much friends only, me and my brother so what we will have to do is we will have to, fight and, debate with other people to actually go and get a place at the playground lah so sometimes if


playground gets boring or is too crowded then we, will move and then we will change it to play catching, you know although we stay in a small household what we will do is we stayed at the fourteenth floor we will, play catching like from top floor all the way to down so whichever floor you want you can


go and hide so you have to try to catch the person so those were the kind of hobby we were more simpler ya and, so what were the best parts of your childhood


so for me was that like I said just now my childhood always involves my brother so , our best part of our childhood is, like , actually going out and, having fun so, every year during christmas our dad would actually get us


presents, so like he would ask us in, advance like what present do you want so we would like , you will wait the whole year like let say the eleven months to actually think for a proper present, and then we will, tell him to get it so let's, say like


there was this period where , we saw this robot, dog whereby it records and then , you can play with it like a real dog so then I got it, and then it was about like two hundred bucks and then so we would play so like it's kind of fun lah you know in your childhood and then after that like all these


minimal things you don't get it, when you grow older so I think yup so what is the best thing that you have done for yourself err so the best thing that I've done for myself is actually like last when I was very young I was very timid I don't get to talk to


people I was very shy, because I thought that you know people would judge me if I, I talked or maybe I wasn't knowledgeable enough as others so, I would say that I would be like in my own bubble and then just my world revolves around my own family and and


the playground and whatsoever so it doesn't go more than that so even in school like I'm a very quiet girl you, can't see me talking, so if I don't understand I won't be asking, so I'm always in questions but the best thing is like when I start to speak up, when I know that you know the importance of speaking up


if I don't speak up I'm not going to get what I want or I'm not gonna go far so then I realise that you know I have to speak up so I think


so uh who are the people you, most cherished in your life


so there was a period where I was going through hardships, and, the only person I had was my mom, and my brother I don't, consider my brother because like he's he was quite young so, only had my mom to go to for advice and then


and I understood that uh that was the time, where I knew that I actually had good friends around me friends who will actually support me, I also understood that you know having good , foundation good quality, friends actually matters you know like this


peoples are still going down the road with me, which I'm very thankful for so


what is the best song lyric, you have ever heard err best song lyric would be I would say that there's this band call the score also there's a song where they say err uh


it's quite motivation is that I can't remember the exact lyric but I know that there, is a song where it says that no one can beat me to this, so is very motivational because like, you know, it says no one beat me to this so, ya and


that song gives me like usually when I go to do my gym, or I go for a run then I'll play, those songs because like gives me a power it, it says that you know no one beat me to it I also can do it is that kind of thing ya so, err how would your life be like if you were a


for me is that if I was a millionaire number one, I would maybe become a politician try to you know put it to good use and maybe I can help a few other people that would be, it uh number two would be like you said maybe I'll start a


business that would also give back out to many people who actually need it you know like maybe I'll keep some for savings and the remainder actually back to the, society or people who actually really, need it ya like especially like during COVID times


there are so many people who are actually, like uh out there in need for help so I would actually spend wisely at the same time save wisely okay so for me was


the moment I felt luckiest was when I was, in P one and I remember my primary school teacher so it was first day of art lesson and then the, teacher was saying that everyone has, to uh do a art piece and you have to


design your name so let's say your name is, is Tashini and starts with a T then, you have to use err, a descriptive, descriptive word that actually describes you, that starts also with a letter T, so then when the art class started I remembered it was about a hour or two hour then I was sitting right at the back because those times I had like


I could I was so shy I couldn't speak, and then I realise I saw all my classmates and everyone writing, like they were saying like oh caring caren that, kind of thing and then, I was there I was like shocked, and I was so stressed I don't know what to do, and I also didn't know who to ask so I was


staring there sitting down thinking what can, I say and then the, the teacher came to me and she ask so why are you actually , what's your hesitating why you hesitating then after that I say that oh my I'm very unlucky person I, was born with a name T


and then T there's no other word I don't know any other word and then that time I was younger so my, vocabulary was very low and then the, teacher told me why are you so, err beat up about it T, is also for tender heart and, then I did my art work then I still remembered to


to up till this day because I know I felt so lucky because okay although it was still very long but, tender heart is also a


a travel experience that left you in awe


so uh for me is that there was once I went on exchange trip to hong kong and then, we went to disneyland so uh, uh I was told that you guys can go anywhere you want but you have, to come back at a certain timing and then after that there was once


uh they also said that seven fifteen there was going to be a show or something so I thought it's going to be some ordinary show and, then at the midst of going to the location where I'm supposed to report I got lost along the way so I was so worried and I, I don't know what to do cause I was stranded


and then I was like there's a lot of crowd cause and it's so dark so I couldn't find my way back, so that was a issue, then , finally maybe I was lucky or whatsoever then, when the show started and then the fireworks came there was, uh there was lot of it was more brighter


and then after that I think my, fellow friends and my teacher found me so I think, that was pretty scary getting lost at a unknown place


the prompt is what, ya part one finance


okay let's do our best Ayub even though is not a good it's not like our flair, , yes, as of right now yes I have personal insurance that I signed up for last year september so basically currently uh the insurance that I am paying for cost me about ninety nine dollars a month and ya


it uh prudential prudential the companied that I'm with right now and currently the plans that I have it with prudential is the uh pru life I think ya pru life and then pru life extra you know


no no in is not pru night is ya personal I have pru life the pru life multiplier the pru life some flexi shit and then sorry pru life I also have uh pru shield


ya insurances, no no is not its not it's life insurance so that the remembered remembered there's life insurance and then there's uh hospitalisation insurance and there's ya and there's the investment uh returns and all and what I have right now is pru life uh


more ya pru life multi flex something like that or and then I also have pru shield and with that pru shield have I have the pru shield, extra ya, so what about you


yes yes I know that, so you do not have any rider plan where we saw you you you are at the tier one right now , uh ha so tier one is is just the medishield right


no no integrated party ya no integrated insurance coverage so and then and then we have the tier two which what I have right now is called pru shield, if if I remember correctly is called pru shield, and then


that is a good question I have a rider, yes I do have a rider uh it's nineteen dollars, per month extra I think, yes nineteen dollars extra per month and the benefits of having a rider is if I'm not wrong correct me if I'm wrong what I'm sure you know what's uh what what rider is right


ya it's something you have so for nineteen dollars a month in case that if I I don't want I do not want to curse myself but in case if I were to get into and uh to be hospitalised not accident and hospitalised


uh so rather than paying the you know because you have the tier two right you still have to pay a few, you still have to pay a certain amount of number of ya cash and that, add in a certain amount again also while whereas for for for


with the rider plan you somehow only need to pay five percent of the whole hospitalisation fees, ya the rider plan but it isn't the uh what is it called it isn't the because in the


pru, pru shield plan right there's the premium plan and there's the, basic plan and right now I'm at the basic plan, ya so it's it's called pru shield premier


I think the the one that that is the up the upgraded one, ya , ya so basically the pru shield that I'm doing right now is I'm paying about uh


I think around two hundred dollars through uh medisave, ya through medisave, uh I think ya I think everyone should have, these kind of coverage ah, ya


no no no my current coverage doesn't uh include private hospitals it only includes all government hospitals


I mean I and and singapore like like it's it's very capricious !wah! using big words lah like uh things can change ya things can change any moment so, you have to provide a certain kind of you know


coverage for yourself, ya ya you can you can share your story, (mmhmm) yes


yes, (mmhmm)


thousand dollars ya ya, if I remember ya, no but the thing is right with with that kind of uh incident happening right it's not uh I don't think it's covered under the hospitalisation plan I think it's covered under the uh accident plan


ya he wasn't warded yes so whatever cost that he he had to pay, because he wasn't uh hospitalised it isn't covered by the, uh is is not covered by what plan that I'm having right now


yes you need insurance


yes, ya the critical illness I think that is life insurance rather than hospital hospitalisation insurance ya, ya right now I I ya


I also have, the one that I'm paying more for is life insurance which is what ya which is what I said like what, uh ninety nine dollars ya, uh, I think is the pru life pru life ya pru life multi flex or something


yes, so that plan is is in case I have any critical illness that uh that is not chance for me that any any kind of critical illness that come to me


uh there are certain there are certain, criteria that I need to meet and then but ya any any kind of critical illness that I get I can claim up to one hundred thousand dollars and which can be provided, for my future living expenses for my family to take care of me if I'm really that critically ill lah so ya I think that's why life insurance is also important also at the same time so you do not be a burden to other people


(mmhmm), not sure bout term insurance,


, and as of right now no because currently I'm not I do not have a uh stable flow of income so, I think when I am working full time I


might get endowment plan because oh endowment plan looks really good actually


ah yes so, I think, ya I think if I remember correctly right the plan is called pru flexi cash for for their, PRUFlexicash in order to because because I


I'm a I'm a ya my insurance agent is from prudential so he talk he talk the about PRUFlexicash so it's like I think around there around minimum a hundred dollars per month for fifteen to twenty five years I think, ya


and then you have like flexibility to receive yearly cash benefits, but, other than that ya despite the, yearly cash benefits at they the total returns that you get is not as much


for PRUFlexicash uh I'm not sure but that I can I can I can probably ya research more on that or ask someone that ya


ask my advisor , ya, yes is there are the pruflex and the


pruwealth, yes you don't touch it at all there and then you have like what four per cent capital guaranteed, something like that ya per annum


ya I mean it depends on it depends on your insurance company I have heard that prudential has been doing quite well for the past seven eight years uh prudential and AIA,


then now we sound like insurance agents trying to promote insurance already ah, , , ya


it's very appealing but, right now I'm I'm still a student ah I don't have a steady flow of cash ya still need to, I'm I'm not working uh I'm just I'm a full time student I mean I can I can work as a


foodpanda or a deliveroo to, pay for endowment plans but I don't think ya it'll just you will just add more stress to me than amount was like with the amount of stress I have with school right now so, it's a plan I mean ya it's a plan where I look forward in the future but as of right now I think the most important thing to me right now is the life insurance and the prushield


ya prushield, ya so only right now you do not have any integrated hospitalisation plans


so you've talked to them about it, oh really, yes like you know the thing is right I was shocked when I found out right ever since I I was eighteen I wasn't covered by any insurance at all already


ya until I was about to OR until last year twenty nineteen I asked my parents do I have any insurance I I have no idea why I I randomly just ask them do I have any in insurance oh I think it's because I was I was


uh in a dragon boat team so uh I got it it's uh bit, playing sports can make you injury prone so they decided to decided to give me an accident insurance plan, ya accident plan so any case any kind of kind of injury I can go to TCM so or physiotherapy and then the insurance the insurance company can help me cover up and from there I asked do I have any life insurance or like hospitalisation insurance


then they said nope then I like oh what so for so when I was ya evers ever since eighteen or something ever since I was eighteen I was like I didn't have any of this insurance at all so like damn, I've been living I've been living on


yes and I was in the army but okay the the good thing is ya the good thing is I was I was still in service so the army can still cover for me but I was like thinking to myself damn I've been living without insurance for two whole years


and it it was like oh ah I'm lucky that nothing happen to me because if anything really were to happen to me I'm in big trouble I'm gonna burden my family so much ya so only last year I actually


took responsibility over my uh insurance insurance plans, and and, I think most of us youths these days they or they are not aware of what kind of plans they have right now and it's kind of quite you know quite scary you know to think about all these kind of things all these mishaps that can happen to you


and so it's good that right now you're taking uh responsibility of uh knowing what kind of insurance you have because life is fragile man


like right now I don't have the solid numbers because I I still need to like calculate shit because at calculate things


uh, I think about, max five hundred dollars I I would put aside for insurance, !wow! I think five hundred dollar is quite expensive ah


oh ya there's car insurance house insurance ya that that's an ya , in being an adult is hard man that's what that's why I went to university you know so I can extend my student life not think about think about this kind of things


can can can , what's best yes yes, yes


so ya and ethical agent would actually, the cash flow how much cash flow you have


ya ya I think schools should have financial lessons


ya the earlier the cheaper it is and then the more benefits you get, yes, ya that's true that's true


but ya, I think no ah secondary school I think is still too young maybe like tertiary education like maybe JC JC and polytechnic,


a lot of people become financially independent at different age so ya it's like, the first ya


I think you know maybe secondary school they can have uh subject like you know like social studies then you have financial studies just a small you you know like civic and moral education that we had last time in primary school and secondary school maybe during those ya how to be responsible uh in sex education they gave us


education but they didn't give us financial education, so I think ya they they they could give us financial education, during secondary school


yes it make sense make sense, yes I agree I agree, all right


like what I said right now I I don't have a steady flow of income so I think hospitalisation accident, and life insurance,


part three, negative experience


alright Ayub, okay so let me count to three and then we say we say one negative I mean generally one negative experience in your whole life


in your whole lifetime one two, three NS yes


none of the wasn't the whole two years come on so, it's like you know when you're counting down to the days you are enlisting right when you're like because you just graduated from polytechnic or JC ya so just counting down to the days and then the day come the day the day the day comes and then you'll like


is it really happening, am I really getting enlisted, it it ya I you you just felt like no you feel anxious you don't know what's what's about to happen ya and then and then I'm just like wait I'm really enlisting today


but that's that's the first thought uh that that that I received when I woke up, so and then and then I think I enlisted at around eleven AM so I had my breakfast uh at home at home


not uh eleven ya eleven A< I I had to be at to, to be at #pasir ris# no not ferry terminal no #pasir ris# interchange, (mmhmm) so so and then while I was on the way to #pasir ris# in interchange


that ah when I stood in uh when I was like walking towards the place where I I shall be queuing up right then there was this uh warrant officers just, all of you just like is keep on giving commands you go there you go there eh please don't make a nuisance out of yourself over here ah you're a man already then I was like oh man oh no there's the start this is my life not not yet not yet not yet haven't yet as because I still I still have my pink IC I still have my pink IC I still can like talk to my friends


mother then I took pictures with my friend all and then ya ya then the bus came so and then I started taking pictures with my friend and all I take pictures with my friend and all then like, then after uh finishing taking I'm like okay see you all in two weeks


and that slowly it just started to hit me oh man oh no I'm really gonna be enlisted, and then I took the bus and then I took the bus no it is still has hasn't hit me yet, I'm just like sitting like I'm gonna to get enlisted no no no two years oh it's gonna be so long and then and then when we took the ferry over to Tekong ah bro


my heart just became heavier it just, that's ya that's when I know where I there and then they call out my name and then I gave my pink IC, then I I was I was like was holding it I was holding it so tightly that the person was like bro bro bro let go bro


, if not I cannot process oh sorry sorry sorry sorry the moment where when my when my fingertips uh released the released my uh pink IC


I know it's over already then like I know for two whole years, that's it I just I just like damn I'm enlisted already, yes the IC I I still can remember vividly of how I felt in that moment two years later


, oh


bro it's it's like the same feeling when I was in Tekong, the moment when I book out right and and I hit mainland singapore, I was like traffic light


that's that's how bad it felt being confined for one whole no two whole weeks in ya confinement period I was like oh oh, traffic light and then when I went home and I get to sit on my favourite toilet bowl that was one of the best feeling man ah why want ya


, , ah yes, ya ya the thing is ya it in in BMT there was like so many people using the toilet and and you finished training and like what nine and then lights out is at ten and then everybody's just rushing to bathe and then you're just like ah


and then this life is this life is ah I hate this life man , , I had to shower at the toilet bowl with the pipe man,


yes, , !hey! the toilets not only for you okay is for oh my god, yes


yes, and was sometimes sometimes when the even the toilet bowl gets filled up right like someone is shitting and then I can't bathe I just I just use the pipe you know because we have our own uh bucket right we have our own bucket


ya so so the there's the pipe outside near the near the uh what's it called, sink ya near the sink so is is the rapid the rapid water pipe so if you want to like wash your toilet or something you just you just on the water and and mop the floor right ya the big one so uh to the point where I had to use my bucket


fill it up with water and then go into one of the cubicle that doesn't have uh there doesn't have the water pipe so I had to bathe using my bucket that's how bad it was in my recruit life man so depressing like we were treated like eh


oh no ya, now that's because people were selfish man that's because people were selfish, not everyone but these selfish people that, ya these selfish people caused the hardship that we face in our recruit lives


other than that I think I think ya I think, if people like follow instructions properly and be fair to one another I think it will be easier


, everybody suffer, everybody have a negative experience because of that one particular person


yes ah


NS, yup yup yup I had I it's only two years man come on it we we do everything properly we get to book out we don't suffer any punishment we get to be with our family


ya life goes on, saturday sundays oh yes saturday sunday is oh my god


, bro I I know the feelings ya oh my god, two hours long oh to get two seconds, ya


I yes, yes so we need to book in earlier because of that we need to book in, it because there's like on there's only a certain timing where the ferry can ferry us to the island


but that was two months, there was just the first two months so, another thing where I find very like really like (ugh) is like people over glorify bout singaporean man


is like, two months of your life and then you are like !yay! I POP already but then, and then suddenly a thought comes into you like oh wait I still have one year and eight months left


what, why am I so happy why , ya, it it shouldn't it shouldn't be celebrated like that big of an occasion because you still have like one year ten months to go through two months is nothing man


, very privileged


yes, when they go NS oh the stories that I heard of


oh yes, life life is life ain't about enjoying man


yes, yup that there are ups and downs, ya there's the very few ups that still keep you kept you sin


ya, so okay now we we have talked about we've talked about the recruit life of NS, which is just getting to delay shit right, what about what about your


what about your command life, , just ya just just to let you know that the world isn't all smiles and butterflies and, honey she


, , ya so so I was like talking about like ya you you suffered a lot in recruit life what about your command life you are from OCT right


, oh, like as for me


because I wasn't from a mono intake mono intake are well known to have rowdy boys who don't respect their commanders at all so it was like okay when I I get posted into the infantry school I was like


alright uh maybe I can become a BMT instructor or something and rather than making someone's life difficult like how I had last time when I was a recruit I can make them I can make uh let them have a happier life but, no somehow from not being a mono intake I got pushed into a mono intake uh unit


so there was another downpoint my NS life because uh, now I have to take care, of seven I'm ya I'm responsible of seven people under me oh no six people under me


and, okay it's fine it's fine it it, having responsibilities is not a bad thing but it's, it's it's only a bad thing when, there's this one like what you said is this one particular dude they just doesn't want to listen


and the thing is their in uni already so so they they know the the the the by left in NS so they always go by the left and then I can't do anything about it and because of that, uh, is I don't really ya


yes, yes they're not motivated at all,


ya ah, and you know what so charge me ah charge me now like bro , bro if, the thing is I can I can I can actually recommended that to my superiors and all but I didn't have the heart to do that, and


and ya so I was like conflicted like am I really a bad person for letting someone step over me or am I really too nice you know, and, I was really I was really like uh, self I was doubting my own abilities you know but the I had I had a controlled I control of certain good people they they like sergeant come and help you eh sergeant come let's do this together ah because I'm I'm the kind of person like if the man is struggling eh let's do this together


ya but this particular person just didn't want to do anything like there was one time uh I had to like bring the whole platoon for breakfast, this guy still up, on his bed playing his phone I'm like, what the heck


what are you doing and then he had he had the audacity, right to not fall in he had the audacity to not fall in for trainings in the afternoon, because, ah when when everyone for fell in right I like I I I did a headcount where's the who's the one more person I like


!huh!, is is that same man that that that was playing his phone throughout the whole morning then I went up, ya he stayed in bunk he stay in bunk sleeping


is like !oi! wake up boy , ya but I don't want to be that kind of person man


no the thing is in unit it doesn't work that way anymore you you can't do that anymore , so I was I was in a situation where I was, vulnerable or some sense lah but the thing is lucky I still had lucky there was still other people like the man some of the man were really good with me lah I can like really vibe with them and then like do shit with them do a lot of stupid things with them


but just that that one particular guy really made my whole NS experience negative man, , ya, the guys still had the


had the audacity like ask me to do ah !walao! eh, !huh!, oh you think I'm what then I like bro I I also serving national service with you bro if you think, it's tiring I I had to I have to do more work than you then you still complain


!huh! oh !huh! you drop the bomb uh


I say yes it's a life changing experience


positive experience oh ya part two


alright bro, bro we share so many positive experience man


come on I think ya secondary school man come on , highlights of secondary school, oh fast


everything bro , yes, I remember that


yes miss, , no is not is not when the whole season undefeated when the whole season winning every single game, but bro I think I think we


the the reason why we actually won every single game is we literally had every this best players, in our secondary school got hot inside the team,


, ya literally the whole okay that that year we were what secondary four right so the best secondary four players in the whole school were inside the team


and the best players from sec three also was inside our team , , ah it that's, ya we didn't assure at every game we show every game we won by at least five goals


, ya it ya it's really positive but I do not know how other teams felt no, do do you remember the the part where we we fight uh we played against


titans, and then and then one of our ex players scored against us first, , we are losing one zero and then I looked at everybody's face like what he he just scored against us what just happen


and , and and and the thing and thing is right it was it was from a random cross you know random cross, , I was I was I'll I'll I I was remember my my right back was uh marking him with I was standing behind and then he cross the ball he cross the ball and the ball somehow went into the goal


and then maybe they just look at each other like are we really losing, , bro and that and then and we then we literally came back and what we won, , ya


ya the ex players scoring against us give us the, yup eleven one that is one of the one of the most fun games that we had back then lah, another game that that was really fun was the one where our captains and vice captain went to the other team ah ya sanes sanes so ya basically it shows that


even without our captains and vice captain our team our our team still can perform ah that's that's how good we are, that's how good we are as long as we still have the the central people still be being able to control the game right we'd it it it was easy man it was easy even though we were losing at first even though we were like ya we were losing you were losing two zero bro


ya we were losing two zero so we are playing a very high line, and then and then the import players that came that help since I'll that the import player that came


they they were really fast players lah so we will always caught caught off guard, and then the two goal that discard was because of the mistake of the left back and the right back, both goals ya they they they weren't they weren't following our lines and then they they played them on and then there was nobody there to catch them up ya but


the the comeback the comeback was a satisfying come back man and then the goals scored bro described the goal bro ya that makes even better describe it it only goal for the team , describe the feeling bro describe the feeling how how was it


I'm a ah okay, scoring (mmhmm)


ya ya I'm the one who's going up even I'm the one the center back ya (ppc) (mmhmm)


your first, that wasn't even that was a friendly game that was , ya


, I like it how you call it curry , , like it's a big pig it's only a small league game of school


, not yet , one plus, bro I love I love Malaysia bro


, okay okay maybe I'm still like closed minded right now because I I it's been so long since I last thought about what kind of holiday I want but what


ya ya ya ya it's cheap also, so the the kind of holidays that I really like is, go by the beach explore nature, and ya so uh okay probably I want to go to


the to see the northern lights, yes aurora borealis, like like ya I I just I just like to see nature in in in a simple context like oh the world is made that way and look at how


yes like for forest rivers but I had I had had a lot of four okay get that's another topic I had a lot of experience of forest in national service but that's another , yes oh yes


eh but this is positive experience man come on ya so, one of the okay one


one of the most fun holidays that I had was definitely going out with you all to port dickson , for ya port dickson ya, ya we went like uh we went to my uh village


and pluck some Rambutans, ya we went to Malacca and port dickson only I think, oh yes oh you just unlocked the memory man


those those those were fun like we we took the jeep yes Perhentian, just in my


, ya one of the branches just hit my head, ya the gps the jeep we we rode the jeep ya we need to go like up the not mountains just up the hill


yes, a whole bay towards us ya that's how, ah man that was fun, and it was free though it was free was


, the best part of it it nah best part is the friendships form bro, ya we played football we did snorkeling, uh !woo!, but ya the jeep rides though the jeep rides will lead man


yes, oh KL yes that was fun also man that that was that was the form of our friendship technically


I remember taking, I remember going to, uh Malacca for the Minangkabau marriage


and then we have the oh remember the the the the that that what we we need to go to the theater and then the guys was like asian,


the malay theatre thing and then we had like our handshake that encrypted our, there was it ya I think was oh and then remember we went to the to the indoor, garden place, ya the four seasons were ya there were like flowers there was like


it was cold, ya ya that was that was fun but the most fun that we have during a trip was going to each other's room at night, the hotel , like like the teacher say oh please sleep at this timing do not


ya don't go to each other's room but you know us being young thinking we're are betters, just go out and play catching at the hotel lobby


ya we did we did we did, and you just knocking each other's room, and then oh we also had the ferry ride


the cruise the small cruise right, ya at around around Cyberjaya I think is it, ya ya, ya that was ya I remember I remember it because it was on my birthday, ah it


ya we went in March it was on my birthday so I was like oh this this is not bad birthday present from the school to myself sitting on a boat with your with your best friends playing cluedo ah man secondary school


yes, , yes we need to get cluedo back man, cluedo is so addictive, yet basically the happiest times of my life


was in secondary school, , fair enough like yes, second especially secondary three onwards right I just pick at secondary three everyday, I was I was every day I woke up like yes I'm going to school I get to meet my friends ah yes I eh is like is like I looked is like I go


to school not to actually study but ya which I mean we'd still studied and for ya we still studied a bit but the main reason why I go to school every single day looking forward to go to school was the people right is like when you go to school,


it was never about malay it was never about it was just like, I'm going to school today, but to meet my friend but basically we did the same things every single day and we never get get bored of it, yup it's like secondary school that when I wake up like oh no stress


I'm just gonna go to go to school to enjoy myself, do not worry about ya do not worry about any responsibility is not worry about uh bills not worry about the future because you are still young right so you just, god oh go to school I was a student counsellor so I went to


school reported for my duty, did morning worksheet you know the english every single morning english, !aiya! at yet I enjoy doing that too man because like it's so ingrain my routine that every single thing that I did


in back in secondary school I I enjoyed every single moment, ya, , yes


the ya there's always something to do, like how how we we made a table tennis using our calculate calculator covers and, table , till the point where any single form


of ball get banned by our form teacher , yes which my house always win, I just want to say that


, like okay you all you all win the football interclass you all win ya every win but overall because I'm an all rounder I do well in sports day I do well in sports carnival I was the I was the house captain so you see me lifting the trophy everytime you know


uh yes basically ya in secondary school you go to school my mind even though we were different class right my mind is always like oh one forty five let's go one forty five it's gonna be one forty five, and then the first thing I do work when it hits one one for one forty five is I go up the class then I go to your class


your class like what your class is level one and I am level four I just, and then , yes,


sub, uh nah ya, , ah


uh , man secondary school was wild I mean ya what what questions is that


oh man I just wanna be happy man, ya, , , describe an experience,


the there are plenty of things on the experience in life man but I can't really like pinpoint like, one, really think that I really want cause like


as you grow older your goals change you know you know what I mean ya so I don't really have a fix thing that I want to do before I die but because there's many of many things that I want to do what about you


so the map behind you is for the map behind you is for you to mark out, which continent you going to, so right now your ah, ya right now is only asia australia also australia also


oh stadium run europe, is like the pilgrimage of stadiums


ah eh that's that's ya uh, that's a good that's a good thing


oh your port but your poly grad trip we went to japan right, gold coast oh yes gold coast school trip is oh like ya


there's emirates there's there's whats one more, olympic stadium of, damn that's a lot of stadium ah in london


tennis oh tennis from football to tennis, but tennis is the hot sport, ya ya oh my god we played that in Bintan right


, it was one can, cost six dollars, no no no that pocari sweat head crystals inside man


on on part


part one finance right, all right can can can


, okay so Rushan do you have any personal insurance


ya cause prudential always got the word pru before all of their plans ya ya


wait this are insurances ah, like not not like they are not like endowment plans right they are just okay okay okay, oh okay okay ya ya and there's, plan ya ya ya yup


ya there's an there's the ya


okay , my parents plan out my insurance for me so uh , I know I should be more financially aware about my own insurance, I should be and I'm ya I am so they they put me under some AIA plans I'm not


aware of, but I know that, I'm, under like the most basic like medishield, that plan from the government, that you know the ward B and ward C plan if I am if I might get hospitalised


I don't have any riders but, ya but interesting that you brought up riders because so, ya it just no integrate no no integrated plan or anything just uh, ya yup ah ya ya ya but ya under yes


so do you have a rider, uh you do ah how much you pay ha oh serious oh


uh ya ya ya it's something that you add on top of a plan that has, ah touch wood lah doesn't happen


that that is your plan the plan they are on now right


ya prushield premier, yes very familiar ya ya ya


medisave ya ya ya, okay wait your your current coverage includes private hospital also is it


okay then ya why why do you say that everyone hit , I mean obvious lah everyone is a


you have to ya, ya things can change, may I share a story, about what got me interested okay so one of our good friends right he when he likes rock climbing


remember so he when he entered NS you know NS is the government insures you in NS automatically, right uh is so you know for death and for injuries that you sustain during your, uh time in NS then they will


like insure you right, so when he finished NS, he continued his rock climbing hobby so he went to like rock climbing gyms around singapore and all that then he fell down right he dislocated his shoulder quite badly, and that was he's like that that was it's like oh no moment like oh wait


I don't actually have insurance right now, I, I just ended my insurance with under the NS like scheme and now I have this I might have to pay the full cost, which ended up becoming like a few, uh close to ten thousand right


I I'm not sure because, his dislocation wasn't normal dislocation it had like, that the bone okay I don't know lah but


oh ya cause he wasn't warded you're right you're right he wasn't warded


ah ya ya ya but but basically that whole story kind of like, it is like it I would say like gave me like a paradigm shift like there I need insurance, ya be it hospitalisation and the the the critical illness and ya that that that is what


everyone needs, ya correct ya sorry I forgot the term yes life insurance ya there's term insurance also ya ya ya


oh ya the the pru the prushield pru prupremier, prulife, ya prushield premier is the is the hospitalisation one


would you get life insurance or would you get term, insurance, we're aware of both of these terms right, okay ya nevermind then we just skip we just skip that, okay uh do you have an endowment plan


okey it it ya ya so I know a lot of companies offer endowment plans but you have to look at the the per annum, okay okay I very vague okay I have a very vague understanding of this but you have to look at like the, the flexibility of whether you can take out the cash right from your plan and also how much per annum the interest


all right oh prudential terms lah, no AIA no manulife okay okay


the uh, so when you I you are not allow to touch the money right in your first year right, it's only the second year


ask your adviser lah ah , okay, so okay there's there's the, if I'm not wrong prudential got like the two plans one is the more flexible one, which is what you just said and there's a one this


ah pruwealth is the one that you put in money you don't touch at all, and then is gonna, yes per annum, but it's not a guaranteed it's not a guaranteed ya ya it it depends lah it fluctuates eh it not fluctuate it like


ya ya, ah AIA also ya ya, ya ya so prudential and AIA ah like quite good at it like they they can pay the interest, because they've been


, you saw like you from prudential , cause you only talk about prudential ya ya ya ya so, crack the pruwealth, are you thinking of getting it cause it's very appealing right


ad hoc ah hot jobs


pru prushield oh ya ya your your hospitalisation and your life, ya cause my family handles my insurance uh I'm planning to take over


very soon we are like very very soon I'm going to take over like, that's the thing I haven't ya because I want to know enough first, I need to know the subject matter before I discuss


that's not that's that's doesn't suppose to happened ya, and some more you you're damn you are very active


ya let's !wah!, army is fine you're protected right in army ya


you pay it though


ya ya ya of course, life is fragile that's true that's damn true, if


okay let's say you okay you are getting a degree now right, then, you finish your degree you earning around, like you start of, your job you get like three point five K, okay let's say you get three point five how much of that three point five are you willing to


uh put aside for all these like insurance or plans


I mean ya cause there's like car insurance, it's like car insurance it's like house insurance, right then being adult it's hard right


, get the okay that's a very interesting question uh question number nine what kind of insurance, are essential of people our age okay people I can say for a lot of people my age we don't know a lot of things about finance


we are like financially uh, it ya lah ya, there there isn't like you have to go out and find your own advisor or agent, before you are able to


and that alone is very, cause you are living up to the agent to decide, what okay basically like, a good agent should know, how much like, okay a good agent


K you just you just bounce off me also ah okay a good agent should know like your current circumstances ya they need to know what's best for you, and not just sell you because, it is based on commission right, so that is also their livelihood that's their they need to put rice on the table for them


ya and yes, you should know how much you are willing to or like your, how much money that, your cash flow ya, and then you need to know like whether you have like you know injuries and all that


I I that's what I feel so but, I think like schools you have like financial, like, right they should be teaching us this pack, because the earlier you get insurance the the


that cheaper it, right more benefits you get like down the line so if you have like but then uh all these agents then won't have a job what cause they they are having like roadshows for a reason right they'll try to get people to


ya lah but it's so important, ya like when you are the age where, you are financially independent already, when you have to start thinking of like your own


it it first but you still need the information like it doesn't matter if you are financially independent later you still need to know about, your insurance plans are worth it


ya ya ya ya when in primary school, how to be responsible how to be


because its dangerous if you don't want to spend a you don't want to spend too much on something that won't benefit you


like, as much as like a plan that, suits you better, doesn't make sense ya lah it's just, people need to be more I I people my age need to be more educated about this kind of stuff, then they be able to make the best


plans for themselves ya


part three negative experience


NS NS okay okay okay, K K NS is two years right okay what about you have to go, yes you have to like scope in what's what's the negative experience in NS, ya what's yours


oh it was a whole two years yes


dread you feeling dread is it like you are dreading, okay okay yes yes at home eleven AM okay okay okay okay oh !wow!


you have to be at the ferry terminal right, oh ya ya ya okay K K


that's the start like this is my life, this is my life for two years oh not yet okay ya ya


ya ya, it hit you ya is that ya


eh okay ya ya ya ya


there's like you know you're trapped there, there is no way of escaping


that's it ya that's it, that's it that's it, yup, so it was a IC moment, then I was like ya no gone, yes first day I


still remember my first day super clearly, I know what we did the moment we step into okay cause I went to HTA so the moment I stepped into HTA, then their giving up to IC then, the because your parents are with you, your parents are with you on the first day and then they go right


they stay with you for like a tour, then the the tour guys is like, it's ya it's like oh okay this is where do you eat oh look at how nice the food is you know oh this is where they will train you know oh bla bla bla then when they leave, that's right


bam all of y'all you all listen K this is your life now K, and then is just that's, that and I okay, cause okay okay, HTA is in singapore, right but


we we have our classes cause we study law right we have our classes, and then our classes are like, in okay in in this separate building, inside the classroom right you can see, the outside like through the window, you can see a bit of civilization can see the road you can see lamp post and trees


that feeling sucks that , that you are inside you are trap, you can't you can't go anywhere, even you want to go outside to ask for permission like oh okay okay like eh you can be denied so, you have to stuck there then !wah! it's just


two weeks your first was two weeks same same it was two weeks ya, ya toilet okay that's something that I had, that's a privilege I had I had proper toilet


I had a nice, shower and toilet set but we were only allowed to use it for like five minutes like a whole the whole lot of us there to a whole lot of you all five minutes


I hate to shower at the toilets, it has a pipe, ya ya same same the toilet bowl that I had to shower through the pipe ya ya ya, it's so crowded, and then got some okay no offense there are some privileged people they take so long to shower like speed up hello I'm trying to


that where the like you you look at your watch cause in NS you always wear a watch cause you just you look at your watch is like okay Alamak there's ten minutes left no there's no their the queues is gonna dying in ten minutes


that's it I'm just gonna shower in the toilet I use the pipe I must soap


oh I I didn't know okay you have your own bucket ya, the toilet ah ya ya the sink or ya like like below okay


oh is at the big is a big one okay okay k


yes ferry ya, I mean it's true it's true we were treated like lower than the, lower than sand uh, ground, not everyone okay some some


there were some really helpful people ya,


oh my goodness, brought fit it oh my god there's always there's okay okay K this this this negative experience talk just to NS experiences, but okay okay it's just like always is always that one guy


that don't they just can't like okay we have to stand still right okay we have like we have water parade every night before we sleep so we can water right so is like, when you drink you just stand still and just wait, you just listen to them they ask you to hold up your bottle and put up your bottle right why is it that there's always someone that don't know how to listen to instruction just


just that then because of that one guy everyone gets, like punished why, why it just, just , it just, that one guy it just can you like, please just just


stop talking to your friend just stop like for this half an hour just stop talking to your friend just listen, oh my goodness, like okay, please like they they there is a lot like you want you to wake up at this timing


just help each other your help each other wake up, then tell me your whole bunk goes down and like you leave your friend behind how what kind of friends are you oh my goodness, ya ya ya it's just we get a safe except


but we can save ourselves a lot of trouble, if really like these people had, on the same like mindset as us like we just want to get this done not two years


and saturday sundays, they go by like, they go by like in two seconds you know, I just really I had I had this memory right I have this memory my head right, I come home from HTA, I put my bag down, I shower I sleep right


then the next moment I know right, I'm packing my bag and I'm leaving to I'm be going back to HTA, it's it's like your weekend right is two days long right but it feels like, two seconds is there's not there's where does the time go is


you wait you know I'm talking about, yours is even worse I mean you cause you all go to the Tekong, like you go to an island, you need to ya need to be earlier


oh ya after your POP, ya is like those mini milestones right, is that let say POP we celebrate ya ya ya then like you know it's not done yet you still got our


but ya for because, not okay we, we come from generation, fall we are very privilege, like at lets just put it out there we are privileged people, the people that really suffered were our parents, like the generation above us


ya ya ya, that's that's just that's just facts okay then, the first, our first like uh, mem uh like our our first time we we know what hardship we did, feels like is NS


it hits us like he he he hit us like that like, that's, that that's like a good wake up call lah is like, ya ya ya ya ya, you like we just now we talked about our time in secondary school ya there's it's not gonna be like that your whole life


okay, one you have to like, yes, even NS it even though like NS got all downs, that's the very few ups right


I I I don't know lah NS is a good thing lah it keeps you, just just it's just hell like it just, the, sometimes right okay okay sorry sorry ya ya well I just sometimes right I feel like the purpose the only purpose of the first two months right you just treat you like shit


because treat you like trash that's the only purpose, cause ya, you think about it right this sometimes there's there's no reason to do the things they do, right but they still do it, but ya lah ya lah ya lah okay ya what what were you saying the now you want to


ya okay lah it was, it was, okay even though it extended on the first few months being hell


right you're recruit life, it was quite, uh it it is still quite bad, but, no as what if still quite bad is still quite bad ya ya what am I saying is still quite bad, I'm trying to see there's like silver lining but ya


we I form I form like a close group of friends in ya, ya lah, it it it was it was fun lah it was fun


I have to Jaga these boys, we are responsible


okay ya ya ya, it's not that you cannot do anything about it it it is it they want you to do something about it


like a high ups right, they want you to do something about it but, if you think about it you can't because these people are, they are not motivated at all, ya they they they they the kind of people like ah ya ya two years only lah, ah ya ya ya I do this so what if what if I get caughts so what you know


ya ya ya charge charge me ah charge me ah, like they don't care how you how you supposed to control


oh the audacity yes what two, , what do you do what do you do


okay stay in bunk you said he didn't go, how how are you supposed to K K K K, it's like they want you to rule by fear, and then the only way you can do it


like ya it it no you don't want wake up right okay then pump down, you you you all to ya ya ya, ya ya ya, yes exactly is hard ya


it's the same for all of us ya unless they are that guy unless they are that person , who are like ah whatever heck care heck care, !wah! charge me oh charge me oh,


I ask you ah before the time runs out ask you ah should every singaporean go through NS


like every male singaporean go to NS, I drop the bomb ah eh you need got fifteen I drop you a bomb ya I need give you ten seconds to answer ya


your life changing is life changing in a good and bad way yup that's the wrap that's the end


part two positive experience, okay what were some memorable moments from your younger days I'm sure you had a lot come


share share , back in secondary school ya, okay so oh okay one of the highlights of secondary school, for us for us okay right is we had a soccer league