I was just like watching the whole thing I can't do anything cause if I I can't I can't I can't do anything basically, so all of it were just watch and like, I didn't even told friends because like if I told them what I witnessed right there will be a very low chance of they will let me go out again that kind of thing so


up to this day right I I never told anyone about this at all, just just because all this my parents ah just because I knew that if, I to tell them this right !wah!, my my chance of ever going going out and to to drink again or anything right is like close to zero lah because of this kind of incidents


what else what else you want to share joseph, what disgust you


, two face ah yeah a lot I still remember, same of us in uh I think, okay lah I experience everywhere lah primary school secondary school and poly everywhere experience this kind of thing


nah you see on your own so so nice to you right like in especially in primary school suddenly just out of nowhere you know suddenly one of my so called, close friend but he just suddenly like, like just, assault me sia no out of no reason just suddenly assault me, ya I go and talk I go and like actually physically assault like punch me that kind of thing no reason oh


like you go and tell the teacher the teacher also like, oh ah like they do who care you know they were just like, close they just close one eye, he he just got away with it for not for no reason eh and was like, I never spoilt I told my parents my parents also go to tell teacher teacher also never do anything, then what was I suppose to do at this point I mean


I already I already said to the teacher in the school won't do anything then what can I do, secondary school ah that, secondary school still got some people they, act damn nice eh, act damn nice in front of you just because they want something out of you, or like then, then once you get the thing right you try talk to them again right


you suddenly they suddenly other, like blue tick you or they they don't want respond to you already, then you said usually in the school they suddenly act so cool to you just because they they already got what what they want lah, poly also like that poly is like !wah!, and especially during uh is like


especially poly when is you you are like forced to work with them for projects that kind of thing, then they just basically, do their part or maybe even less they don't even do their part they just like, okay I finish they say and then done already then after they just like Zao, didn't even like bothered to help the rest or just like


even care about what what you are doing, they just strictly care about theirs then bye bye, I mean at at least have a bit of like, so called initiative lah that kind of thing or like don't be so, selfish in a sense to like just, finish and then just Zao lah


ya lah I I feel that because, the they really to focus more on character building and less on academic not as, and I think if interior touch too much uh since young to like oh care more about physicality than actual like, like a character lah so this kind lah something they should focus on


part two positive experiences, it it has a after you


ya what was it I also don't know eh


ah


proudest moment ah honestly mine is like a collective kind of things yeah cause I don't really have like this specific thing that like oh like it's legit them the !wow! factor like !wah! I have I so proud to be here that kind of thing it is just that a collective achievements of like small wins ah


but, I would say the biggest one so far was, when like uh, okay, I think it was in one I think when uh I actually got to like, it's it's seen like not say very big lah but it's like you know when you get to when you get to shake hand with like one of the MP ah I was like a damn small kid that time also like !wah! shake hand with MP like quite a big things sia so like


so quite proud other than that all the small little things in life [lor} I have to say, ya lah of course ah


lucky moments ah just like you're you still you want to up you there ah sure , I mean luck, lucky it's have a lot lah like, you know when you were happened to like, find some fifty dollar on the floor then like !wah! that one is uh cause you're lucky lah


or like the, okay lah lucky as in, okay I think there was one time it was like err, I think it was where was it ya, actually I forget already yeah but


okay ya ya ya I remembered last last time I, I was like before we go before we flew to australia, then ah, I want to change I want to exchange money ah then I was like !wah! feel lucky sia then I just go and buy four d sia !wah!, and add of top of that I just anyhow go and buy the the exchange rate the the money I bought that time !wah! #chun chun# sia the exact four number come out !wah!


buy buy one dollar only win five hundred !wah! Shiok sia , eh you also never share with me your winning last time


, isn't that eh then so ya I very curious ya, what what leads you to experience an adrenaline rush ah joseph since you scared of roller coaster right


adrenaline rush ah adrenaline rush I think you already know what when when you go to the when you when you go drink then you also start with new people then you get high ya that starting more rushing than that lah but honestly, , no let's called that's called having fun joseph you some something you don't understand


oh adrenaline rush okay uh have I say, the adrenaline rush also experience is the experience of going on roller coaster something you cannot you cannot describe what it's just the !woo!, this kind of thing is just you must actually experience it one


then, no you you are paying to experienced the thrill the thrill of the right how can you not appreciate this kind of, this kind of, thrill man this one the simple things in life leh


do you still, you still haven't gone australia, !wah! shit australia was good times ya


ya but it was a shame you couldn't truly experience all the sights and sounds yeah because some of our, oh some of our friends weren’t weren’t too, one two are supportive of our adventures ya but oh well other than that I say overall quite fun leh the people there quite nice the food was good


anyway it was a good experience leh cause like it's very rare you travelled to western country and you see the differences between singapore and like say the like other european or said western country lah cause like !wah! you see there is like a cultural difference sia is like quite enjoyable lah cause, it's not really you get to experience this kind of like uh


this kind of environment lah because, I mean western people they speak very okay ah I want to notice but you know australians they got this like slang or the australian accent, it will be curious ah, so then when you hear them talk right is like is like


!wah! you like wonder if you can cause you hear the way they speak and you hear the way we speak right is quite different eh so in a way it feels, like, it feels of course proud lah so here I'm like you won't like so called language in a sense ah you own


what we called that dialect is it your own slang lah, then then you can really like appreciate other yeah, ya sia like overall australia was worth it lah !wah! I still remember the !wah! up to this day no else can compared to their food yeah


, ya everything is like !wah! you see them cook right on the spot then you then you ask them then they ask you what you want !wah!, there is no other better feeling than that sia it's like your own personal chef


dude this dude this kind of thing this, this question right is not something I can just say oh I'd say this line then is like, is like I said this line then everybody share one, it's a kind of thing where you where you take time to slowly grow to slowly change yourself then you when whenever when you see them again you are like oh shit that kind of thing like you know it's not the it's not you say one line then everybody oh !ow! that kind of thing


, is when they see you again then like !wah!, damn that kind of things , ya lah but it overall I would say, ya lah four I think everybody will will look look at me now right !wah! they would be like who is this guys sia I I regret I regret say want to start to him last time okay lah this kind of thing this kind of thing change changes you lah ha it like makes you change on to better lah


you eh joseph what about you


eh joseph when did you blush the most ah describe your experience eh I very curious


I see, so so so you are the humble humble kinda one ah you want to people to low key kind of you eh good job that on the back that kind of thing not the eh this guy he is the he is the scholar top four that kind of things,


I mean true lah true lah, me, when did I have blushed the most ah !aiyo! eh, you you would have feeling okay lah I I like you right , , I I like the attention lah , , I love I love that attention


ya lah I mean cause, I like it when people notice me for what when I do something lah like mean, when you do something right they doesn't, that like, you think won't get that cheer but somehow some like you just feel the the cheers right !wah! actually like Paiseh is like that kind of thing then like I mean


I'm opposite from you lah I I like I like to be recognised for things that I do but then like I don't say one lah that kind of thing is like I don't need to say but then but then people recognise ah, other than that I mean it's also also that and also getting compliments compliment compliments by other people lah


ya lah who who wouldn't sia, ya lah, you know what is a skill or ability that you are secretly proud of having


dude can't hear you, ya I can't hear you


I can't hear you joseph, ya ya can already


no it's just you are okay I I can't hear you


for me ah I don't know I I feel this is kind of, ah leave me this kind of bad lah but I feel, cause, I have the ability to like, talk, well and socialise lah but like I really it could if I were to put in the room of people I don't know right by the end of the so called session or whatever right I guarantee I will have this I have known all their name and I at least have like


like talk to them at least once that kind of thing or like at least, becomes friend with them lah cause, I was so social butterfly lah basically I very sure you also know that, so like I it's like always then, exciting and like very fun to keep talking to people lah and like hearing their stories everything so


I feel I had the power I have the so called ability to like, I was I would I will say sweet talk ah or like like, is this silver tongue silver tongue sweet talk something like that lah ya lah it's a kinda, kinda good and bad lah but ya lah overall I would say is is good lah cause at least you


you can talk well to people and that kind of thing and you know the the presentation the the same presentation just now, ya the presentation n right I remember I just before the presentation right I literally threw the script into the dustbin, cause that how confident I was


, ya lah I was like enough already enough already and then just what if if I I will get it right confirm plus chop then I okay lah good lah everything #swee swee#,


sure go for it, what amazes me ah what amazes me is is that there's always someone new all that which I haven't met yet I haven't talked to yet, it it cause of course man this kind of this kind of


this is what really interest me you know cause like you see how singapore is very small right but and then when you go somewhere you is very rare you see someone you know in public and there're always someone new you know so like I would say there's a lot of like, or so called oh ya ah this very famous saying lah strangers are friends you have yet to meet or something like that


!wah! after hearing that that phrase right I was like shit I I hear, I hear this kind of thing right means like !wah!, there's a lot of like, so called people I haven't like, become friends with or even talk to yet ah so it's like it's very interesting lah


ya lah I mean I also I also I must admit ah going overseas the and experiencing the culture the food !wah! that one also quite interesting lah cause every country you go okay ah yeah every country you go outside of asean right or different countries right each of them all has their own like unique, unique experiences to to so called enjoy lah


so that's I think that's one of the other choice in life lah


ya lah the answer so so it's very interesting to hear how like you, eh wait you haven't really describe your what we call that, your adrenaline leh your best adrenaline is what ah competitive ah


[orh] that's that's, oh ya sports oh ya sports also lah, but the, I mean okay lah fine man I mean sports is sports is competitive ah not as, uh adrenaline rushing you know like sure


part one financial related topic,


ya sure so to me I think we just start off like what investing mean to me oh to me investing is more of like growing money lor growing more money from my you know own savings and everything so personally like if you know me lah I'm not a very okay I'm a risk averse


I don't really take I don't really take risk because I find that you know if there's proven ways to secure savings and additional like uh profits right, I'll rather go for that so for me investing from what I understand investing requires a lot of knowledge and it's uh definitely it not like gambling


cause gambling is just you know it just really depends on your feelings and your mood lah but investing requires a lot of knowledge of the company and more importantly whether you believe in the company that you're that you are investing or not


so personally I have not really touched I have not really invest in any of the products, because firstly my capital is limited, and secondly uh I don't have enough knowledge to do so so what I do and what I ya what I did is actually just buy insurance plan such as uh as you know I'm occurs that time I shared with you like the AIA smart rewards all this lor like it's like I


at the end of the bond right I'll be guaranteed a certain payout so in a way err the risk is, much lower lah but I know for you you deal like some kind of investing right so maybe you want to share your part


, true true I think the key to investing is it's really like you need to put in the time and effort


and you must have the knowledge lah because like your your as in you are in charge of everything so if anything goes wrong then is your own issue lor so it's like yeah so it's a bit, so the risks is very high so for you maybe marcus I just ask you lah for you personally would you rather invest uh yourself or would you rather like you know have someone like a financial adviser to help invest yeah maybe you want to start first


, true true okay for my viewpoint right if you ask me lah like I mentioned I'm not I'm a risks averse person so I will trust fully in financial adviser


so like maybe like reputable insurance company lah like AIA great Great Eastern because why I why I will do so is because I just need to throw my money in and they will do all the investment for, and they have their own like portfolio own like you know company that can do so honestly I no need to waste time effort and all this time right like I can use it to do


stuffs that I love lah stuffs that I like which honestly for me is better even though the payout may not be as much, as the as if let's say I take the time down to actually like invest but again it is guaranteed lor so ya for me I will definitely like choose a financial adviser but that is for me now lah but maybe in the future as I get


more you know more comfortable and no more about the no more about investing then then maybe ya like what you say I will probably like start lor since it's quite easy to it actually like invest in shares right and everything


right ya it's like from what I research on you just need a broker account but again a lot of you know background research has to be done lah ya so ya lor so eh marcus you got hear before the singapore savings bond ah


that time, , ya, why, ya


ya lah ya lah, ya it's


what, basically ya lah the interest rate is lower and everything but


okay because, previously when I do intern right there have been talks about the bonds and everything lah which I think to me is quite attractive cause again ah is, the singapore government because singapore government bond right you cannot go wrong one is like is guarantee payout at the end of the period and then if I'm not wrong I know starting is five hundred lah so five hundred is actually quite okay lah is like putting in another bank account you know what I mean


but ya lah it's guaranteed safe so, for me I would consider that lah yeah I may consider yeah, ya ya ya ya


robot adviser, what's that what's that explain more lah because I quite new lah, yeah, ya heard of heard of it from you ah that time you say one it's like just put money in and then and then just leave it right


ya, ya


so you put in , [orh]


but err but how is the return so far how long have you been putting in for, yeah


[orh]


is it, is it per month or across, uh like when when you when you started that when you started putting, [orh] one dollar


but, [orh]


okay true true true I think all this is quite similar lah to the actually it's quite similar to the savings plan I bought lah is the AIA smarts smarts reward ah smart rewards plan but it's just that I put in longer lor the the bond is longer and then I cannot take for like


I think the bond is twenty years or something but my interest is is higher than yours ah definitely like three point something percent but okay lah yours I mean I mean there's pros and cons [orh] when it comes to, this kind of thing yours can take out immediately but mine need to wait


ya lah but eventually hard ya lah eventually the payout, I might be I might be higher but uh ya lah uh no lah I mean I mean I might be higher lah because the interest higher what and then and then every time is compounded you know what I mean so ya lah definitely should be higher


but but again lah yeah it it depends lah, yeah, ya quite passive correct correct


true true ya lor, eh then, but then what, so for you right since now you just now you


wait ah since now you can't, since now you like have some investing knowledge right so , so would you recommend like someone new to do investing or just you know trust a interest company instead


paper what, paper trade


fake money, yeah, !aiyo!, [orh] but then


okay lah but then like this kind of this kind of broker like this kind of trial account right is it trial account, it definitely will let you win first what right I mean I mean no meh


oh like this ah


true, true true uh sorry ah dilys, uh ya because just now a message from and then the thing stop


just stop, !oi! because mine mine the apps stop, yeah, okay yeah yeah sure sorry ya correct because


uh, thirteen minutes, okay okay okay can


ya lor, investing ah honest , okay lah there's honestly a lot of stuff that I need to like prep first lor like honestly


to invest in, to actually invest in a company share right I need to believe in the company so and I need to have the capital honestly as a as a poly graduate right, and then we are just waiting for NS we do part time we don't have much money lah to actually you know invest and then some more uni is coming out everything is going be quite expensive so


you know I I need to have some you know, quick cash ah to actually you know just in case there's any you know rainy day and everything lah because if I put in the investment and I and I just pull out, it's like it's like use it it's like what already what


it's like useless already [loh] so just in case for now maybe not ah but I will just read up more lor read up more yeah, one million


wait ah, one million ah, uh yeah I'll try but okay I think I will take majority I will still you know trust the


I will still trust a financial adviser definitely because honestly I don't have the knowledge but like you say maybe I will take uh maybe like five ten percent to actually try on my on my own lah but before that definitely I will do the trial trial account first lah just try and test it out lor


but majority of it I will still trust a financial adviser since you know they already have so much experience right and is a proven method so, and even if they lose the impact on me is not very high because there's there there is like guarantee payout lah for insurance so ya lor just my take ah


ya, true true but you know


okay lah is imagined this lah every time you get two dollar for example every month you get two dollar from investment compared to maybe if you own self invest ya definitely some months you have four dollars six dollars or some months you might have negative six so nett nett overall I think


when you put in the risk and everything okay in my own opinion you I may be wrong lah in my own opinion yeah uh financial adviser is definitely better lah but definitely not for you lah because , you want higher returns right yeah higher returns definitely is


ya but higher returns don't don't like equal to like uh guaranteed payout so that's that's my take on it lah definitely how about you leh if you got one million, yeah


fund manager,


true true okay lah it's like , yeah


it's like you mimic the market right is it something like that ya okay lah true maybe I will just explore that lor yeah


part three negative experiences, you want start first marcus yeah


maybe in school first just school then to more personal just start from school, yeah


true true


true true I think okay in school actually just primary school lah secondary school nothing much just primary school ya lah if you if you know I was fat lah was really really fat because I I like to eat mah and I don't like to exercise back then lah so I was I was quite fat


I I still remember like P five or P six I have been, I have got names oh yeah quite awful lah like try to you know, just because I was fat but honestly I didn't do anything to them like I I seriously I very innocent one I never do anything to them but they just want to you know pick something on me lor talk about my appearances like


no lah you shouldn't tell others don't talk to me this kind of thing then say nasty thing about me in front of me like trying to cover but then you know what I mean but but I'm just there and then I can hear this kind of stuff lah so that feel was actually quite tough because


because I feel like like going to school right is like is like is more like a torture lor, because, because this kind of thing is like I can't find anyone to talk to but, ya I can't find anyone to talk to I can only bear it all on myself lah and honestly as a ten eleven year old kid this kind of thing you won't know ah if if five six people gang up on you and then say nasty things about you you can't also fight back you know I'm I'm very timid


I I treasure every friendship and I don't want to you know make things like look bad and everything lah, uh but you know, this kind of thing I can't control but just just thinking back thinking back it's just


just sad lah because, ya like like society it's just bad lor, it's could have been better lah like you know put more emphasis on character and everything about friendly but people like me still facing this kind of shit ah so


yeah hopefully will get better lor after sometime, yeah and yeah, yeah


true true is like it's I think for you is is the way to distract yourself right it was yeah true true I I totally agree ah like you know when you are getting, you know such


shit stuff from like real life already is good to have like something that can distract your attention lor, yeah really so , okay lah let's move on to something more like may be towards the home yes ah I meant I can start first lah


so , I think for me is the passing of my uncle lor last year, cause he was really very good to me ah like since young he will bring me and my brother to you know be because he himself is a christian I'm not my brother is not but he will just bring us to service [loh] just listen to them err reading a bible and everything lor so he's from what he


can see right since young he is uh very compassionate person like even though he has cancer right even though he has lung cancer I think he still like he still willing to help out people who are like less fortunate than him so this is something that you know


uh that I have look up to him lah since young but , you know unfortunately he just like passed away last year and because of work and other commitments, you know the time that I spent with him is lesser lah compared to when I was younger lor because when when I was young he will bring us normally like weekly uh every weekend ah but now you know got work got school and everything you know suddenly the times that we meet is


is like from every week to every month to like maybe once per month to every every few months once oh so yeah it's really it's really frustrating ah because


because when he passed away it was quite shock also because everything was fine you know nothing went wrong but suddenly he just passed way in his sleep so, I believe he is he's in he's in peace now lah but you know it


is the one thing that really frustrates me out because if if only I manage the my time well I will have you know spend more time with him, you know and also thanked him lah for actually like teaching me and my brother how to be a more compassionate being lor yeah and


honestly losing losing someone dear to me is my greatest fear lah among everything even though I may is scared of roller coaster ride but nothing can compare to the losing of a dear one, yeah that's how I feel lah yeah how about you


true, , uh


, from


uh honestly I feel this kind of friends are not true friends ah because true friends no matter what will just believe in you and not doubt you and you know stay away from you when you are


or or whatever because ya they are not worth your time also lah so honestly in trouble, ya this kind of thing you deserve better lor definitely yeah


, true lah I mean


, true


and then this kind of thing ya lah, ya it's it's just sad lah because, okay even though I'm ya lah I think I'm similar lah but then it's just it's


just not through your like kind of date date kind of thing lah but then ya lah I mean I I mean I understand how you feel lah ya that's all this kind of feel


oh my greatest fear is losing someone I love lor I mean honestly ya losing someone I love is is my greatest fear because you know the thought of not being able you know to like see them again even again like after they pass on


after the burial you can't see them even again so that really hurts ah, Loy-Min-Shuk because every time recall back it will be that incident, it just keep on resurface resurface resurface mentally it's it's


yeah it's just quite sad lah to be honest yeah how about you


[orh], yeah


true it's like you can't really control like what is going to happen right yeah actually that is quite, that's why is scary lah because


you know things could just go wrong like you plan A B C but it become A C B and then, everything just mess up yup, actually that that is also quite scary lah, actually quite scary


what, worst thing and weakness


so far I don't have one eh so far everything was okay, like if I see something usually will say lah I won't really keep quiet, how about you how about you


okay lor


ya lah very true I mean your parents also fear for your safety mah I think you made a right call because honestly is if if you just help out ya the other party will just you know gang up on you and it's actually quite dangerous lah is for this kind of things it is best to you know stay as third party oh


true yeah, , what disgusts me


it's disgusting, I think two faced people oh definitely lah so, on one hand he was like happy to you everything nice nice say good things about you blah blah blah blah on the other hand like try to hurt you try to back stab you I think that one is definitely a worst for for at least for me lah because


is like imagine you treat someone like, genuine with you like genuinely ah then someone just you know say bad thing about you on your back some more so isn't it hurtful also, don't you feel do you have any experience like that or anything


assault as in, shit, oh dear


!wah! that's the worst


true true, I think we can all agree on like one thing that, the one needs to do more about right is definitely like character building lah I think we definitely need more emphasis on character building


the all the toxic two faced you know all the bullying is actually due to the lack of you know education and everything like you think back ah secondary school primary school all the, CCE right, is like, is like not enough you know


and then most of the time is used to replace, things that are like, uh like maths ah all this you know what I mean they used that period to do something that is like academic related I mean


okay yes lah education is very important for singapore since you know that's our only like go to right because we don't have any natural resources and everything but I think we shouldn't focus as much on academic if let's say we never get the character of students like right lah from the from the start because


as you as you drag this out of like is is just going to hurt hurt themselves in the future lor so ya that's that's something that I think both of us can agree on lah since you know we have similar experiences in school


true, submit


oh yeah sorry, oh okay


was part two positive experience, so okay you want to (hmm), after me ya okay sure , I think let's start off with what was the proudest moment of my life so


you know err my parents are hawkers lah so they work very hard to actually like provide for me and my brother so I think the proudest moment in my life, when recall back right will be like you know when I work part time in triple three then I get my first paycheck ya like I was able to give them a bit of like pocket money lah so I think is just like it's quite different because it was my first part time job lor so I think


being able to like provide for them like even though is just one one two hundred dollars you know and actually like shows that you know I actually have the ability to you know like to give them give back to them lah a bit ya I think for me that was the proudest moment lor how about you


yeah


okay,


true true actually usually is is small little things that adds up lah, [ho] right ya lah true true yeah how about


do you have any lucky moments, yeah, true, winner share lah


true true


yeah, [orh]


, eh then then you never treat me !aiyo! you must share with your friend mah , !wah! actually I think the luckiest moment I had ya lah was I is during the world cup season lah like it was all for the fun right so I just throw in five dollars [loh] to bet for a team that you know I I personally don't watch soccer at all the


so I just throw in five dollars then end up win sixty so it was quite is quite lucky ah it's actually damn lucky ah because because I I totally got no knowledge right on the soccer team at all but you know I still manage to score something ah so not bad lah


for me ya so okay, when, adrenaline rush ah I think okay if you know me if you know me lah I'm a very competitive person ah


I I honestly hate losing lah so so if let's say you know I'm playing you know, sports lah like basketball days you know , when there is a intense match going on you know I think that's the sort of the uh adrenaline rush lah because I want to win so bad but ya I really love the process of you know overcoming challenges you know


you know proving people wrong and I think yeah that, that was my every time I play I feel an adrenaline rush lah how about you


, that's called drunk ah, come on man fun are in the simple things it's just that ya ah sorry sorry sorry continue


honestly that one is just scary ya because because I feel like a whole soul is being flown I don't get why like you know there's a there's a roller coaster to be to begin not to begin with just like you getting scared for no reason


getting paid you are paid to get scared you pay to get scared which is like a bit funny uh to me


true but ya lah it's to me is all the scariest thing you know yeah eh how about say what, yeah, australia ya true yeah is like is the first time I've been in a you know consider western country right or definitely like


it's like you get to see wild koalas kangaroos you know actually quite cool lah it's it's something that I never experienced prior to it lah and you know the fact that everything was you know, so I will say


it was nice lah it was nice to see like and experience like different style lor like the scenery there was very good right like I almost like every other day we just go to the beach and walk around is like, people there are quite nice also like very friendly very like even like you know interest to places to you know to go around and sightsee I think ya it was quite it's quite it's quite nice lah


scenery the people that experience and also the gang uh the group of people that we have lah it's honestly quite fun ah ya, inclined lah


ya lor


true true ya lah


ya lah is the is the accent nah cause we asian mah asian more conservative mah, okay lah so


true true is like fresh freshly made right, true true actually I agree ya


okay how about let's talk about a time that you know you have make a comeback and shut everyone up shut everyone up I think for you is definitely four right, was three is it or is it in poly


true, ah


true true , ya for me I think it has to you have to go back to when I was like primary school to like honestly I was not a very bright kid I was not very smart, but then stressful was very hard lor


like people keep with doubting me lah especially uh you know my neighbour keep doubting me saying !wah! you know how to you know how to play game means what you know how to study this kind of bullshit lah so , this kind of shit really like you know make me like really want to focus in secondary school lah so I really work very hard and every year I managed to get scholarship so I managed get the edusave award lah which I'm proud of lah and you know


I'm happy because I get to prove people wrong that you know actually, if I work hard I can achieve every anything so since then it has always been my principal lah and also you know as I recall back


to why I succeeded is because I work hard and persevere lor so this is one you know key thing that I will continue to do so lah to get better lor and better, ya just me oh


blushed the most, I would say I'm a person that , uh I don't like to be recognised in a public as in as in I don't like to be recognised for my efforts like in the public I don't like like if let's say


I did well in let's say exam or anything okay for example anything lah exam or anything and people praise me and !wow! because , it's like it's like I I feel like it's it's a thing that shouldn't be like you know broadcasts lah is a thing that ya so when people just like say !wah! you very good you blah blah blah blah then obviously I will blushed lah because honestly I feel


it's yeah it's just I don't want let others know like you know how good am I or what lah because, because is no point lah is no point there is no point proving to uh there's no point like trying to broadcast like how good I am or is because if you are really good right


uh you no need to say lah yeah that's why no need broadcast people will know, young man is like with that ah you get all the unnecessary pressure so so what's the point


alright so you leh you leh, when you blushed uh yeah


!aiyo! you like to be in spotlight okay lah understandable


[orh], okay true true


yeah I know compliments also like motivate you to do better right ya lah true true true, correct lah, proud of having ah,


I would say, I will say my greatest skill is do not give up lor like if I if I failed at something right I will make sure I will come back stronger you know the time my SO ah !walao! my SO the


the presentation right I screwed up like I blanked out lah so that day that that presentation was really very bad because it's like it's a it's a high weightage lah, but then ya sorry


sorry, okay, hello, oh can hear already so I think my


, the skill that I proud of having was is definitely like, do not give up at anytime lah because like an experience will be like you know in during our one of our poly presentation uh I was halfway I legit I legit blank out eh I legit blank out so so everyone just stare at me I just uh uh uh uh so


I was there that day I feel very bad because like our team worked so hard right but because of my hiccup I may have affected the everyone's like the overall presentation and everything lah so, ya but but ya lah


honestly everyone did well besides me lah so it makes the whole team look bad also lah even though ya lah the main main weightage is still me but ya lor it's just, feel bad but you know after that day I just work harder because I know the key one will be the FYP


so ya uh I'm proud to say that I did better lah in FYP so ya lor I think that's the key to you know not giving up lah, how about you


!huh!, true true true true


sweet talk okay not wrong sweet ah ya lah ya lah


which one as so yeah okay, threw the what script oh that's okay lah that's good lah that's good lor


, ya lah, so (mmhmm)


maybe a question more like you know more personal you know what is what amazes you like you know okay lah you have very high expectation ah about what amazes you, ya ya ya


!wow! so deep


oh yeah yeah , true I think for me what amazes me ah okay I'm someone who likes to travel lah so whenever I you know you know the different places


you know like I get the like experience their culture ya you know the heritage I think that's the that's the thing that amazes me oh like I really enjoy travelling ah I don't get to you know eat their food, you know learn their culture and everything ya I think that one is really amazing ah because it's something that you cannot experience locally you know you have to you know get out


you know you have to travel around then slowly slowly then you can pick up this kind of stuff so yeah to me that is it lor, yeah


yeah, actually you know lah, actually not not just western countries lah it's just countries in general you see like singapore malaysia we already have differences already ah


but is about you know appreciating lor each other's culture and practices and really like enjoying lor yourself, I mean has the key lah [ho]


ya when I play sports ah like basketball you know competing with people ya


no the one is because you never play intense we play intense every single times so ya I like the push ah is is is like a good stress reliever also oh whenever I feel stressed I just go play basketball yeah


(ppl) (hmm)


part one financial related topic


yes I do, okay I have few SB uh DBS saving accounts and Maybank


is is very important my opinion it's uh a need to actually have a saving account, so that we actually don't you know you you you you know that you actually have your money save in uh the hands of someone who is trustworthy enough to actually uh safe oh your deposits


interest rate if you are talking about POSB and uh DBS itself maybe uh seeing around like two point five two point seven I think now is uh almost to coming close to three percent


compared to Maybank with a low interest of like uh let's say one point, uh five four closing to two percent if you are talking about saving


yup, uh normally I will use my debit card because I would like to I wouldn't want to actually overspent so I wouldn't go into the category of uh credit card


yup and with debit card you can actually know your limits of uh the amount that you can actually have but holding one to a credit card you can actually spend all the way you know without limits and that's the one that uh is uh


the one that that we can say that is very risky, but you need to know how they actually uh juggle their spendings and their their


the billing accordingly because if you overspend and and it comes out that that you have uh insufficient funds then where are you going to get the funds to actually pay for all the bills


ya uh don't get me wrong but you can actually use debit in this uh era instead of credit to actually pay off even though that they said that please use your credit card but you can actually deduct from your debit card as well


myself no I've never actually uh get loans from from the bank what about you


depending on uh the situation that you are in because they the bank actually have to assess on what exactly that uh


you are planning to do means you need to have a proposal and then you need to tell them about uh how much that you can actually or or what are your returns, when you are when when the the loans have been used up and etcetera etcetera


for me I'm actually familiar with uh Maybank rather from the rest of the other banks


the yup we tap the phone already


joint account is great I mean is no because uh you can see that both party actually get the fund of uh saving yes and you know you can actually bill bill the fund together


and require uh two signatories to actually or we we can have uh their multiple err method or way to actually uh err and get the funds out


to a singles single circular sign or to uh uh you know double signature to to release the funds but now having to say so we have actually uh apps that's actually allows us to do transaction easier, online apps you know the effort their company various uh banks company has actually created their apps to actually let uh their customer or client to enjoy uh without without walking down to the bank or the branches that that they they used to


so this is one way which is really uh easy and convenient


yeah AIG


yes and the common one there's always prompting us is uh MSIG, uh know actually if you are in the uniform group shall I say that uh A AIA uh it's not AIA sorry Aviva Aviva is the one that always uh


come close with uh all this uniform group they are the one that uh there are deals are actually much more, err you know to a standard if with or I can say something out of the ordinary from the rest of the insurance company


no, because I have uh one insurance which is uh Prudential and Prudential wealth estate actually helps to navigate through all this uh sources for me


okay, ya agree about it


no, the one and actually by the end of their calculation is by my annum so every year they will actually uh you gain uh more percentage from them by saving


I don't say this is a lot of interest depending on what sort of uh


uh item that you actually is more like uh something got to do with uh, uh investment for you to actually get a high in return, investment is one of the options and then you also have uh saving because saving there's no no high risk involved in it so you don't get any high yield out from there because


their their their percentage wise will be be constant throughout but uh if you are going to uh do things like uh investment or stockpiles you know these thing they have their up and down turns in the market so sometime you may not receive the highest sometime


did that you you you actually go into to think which is more than you expected, yes I have a fixed deposit account as well


now since with this pandemic ya I think they're trying to make everything uh in an online base as much as possible


ya but there's disadvantage because when sometime uh you require certain uh help or certain uh things that actually difficulty that you actually had it your your


your, your account so this causes it to you know when you call the hotline and actually nobody gets to you these are the things that that you'll be facing


they have investments like uh if uh last time I can see maybe uh, there was this err bank that collaborated with uh


uh HSBC and then with Maybank they're doing this takaful fund so they have unit such as uh schools aiming at schools you know by units by units for schools education so and then there's one more for wealth so


there're there are there are there are many views out there depending on risks you are you are comfortable with


ETS, unit trusts and e I'm not too sure what is this ETS, unit trust are those that uh I previously mentioned is the the school the the the education unit trust education unit trust in the wealth unit trust uh these these are the the unit trust


I think it's it is good to actually be on both sides uh having cashless and cash at the same time


so that you know when when sometime we actually in need a certain places which actually need of payment of cash and they do not have cards you actually have them to to supply instead of actually locating of finding the nearest ATM that would be another hassle


so always prepare to have cash in your your wallet


okay the strategies that that I will recommend for someone before they plan, ya it's actually okay uh before getting into a relationship itself is very important to know


uh what are your your concerns what what who in who will actually uh , do their part and what what sort of part that we are talking about is it uh are we in the same level are we on the same book is it so things like having commitments we know that in the future you are going to have children and then you we we need to have a house we need to have


uh a shelter yes we need to to have uh education so what can be done uh is it is it from one person or is it from from two parties, what are your your thoughts about this


ya partly true but uh if let's say that uh the husband is actually all the wife is actually earning, a high and and and and it it depends actually but but to me to have a healthy mind is better that we actually go out and and and do some some activities you do some stuff so you can actually juggle yourself in between uh


the outside world and and and at home because when you're always cooped up at home a lot of things or, or negativity will start to actually be at plunder to you so, the thing is that uh is always best to to go out once in a while and do something


this is in my opinion


a lot because since we are not allowed uh not I not say that we're not allowed to go out but everybody's refraining from going out because they they are afraid of actually getting caught onto the the virus and then so so


the tendency of us actually uh ordering outside using platforms such as FoodPanda you know Grab these are the things that that that uh we actually rely on


okay before actually come into this topic (ppc) they need to actually assess the person know what's uh his or her strength and then uh what is his financial background and from there how we can actually pull someone up from from from debt is actually to ask them to


uh have an agreement with the bank so actually the bank can actually extended the time frame for them and and would actually ask them to you know get a get a job and and and and as promised because you have promised the agreement were you and the bank has made it and also


so from there just you can actually slowly work it out and and and pay them monthly or yearly depending on what is the agreement that you've made with the bankers, okay owning owning of a credit card this is again is a question back to to your own uh


shall I say one's belief or shall I say to their preference, so having a credit card, actually there are pros and cons I mean the pros is that uh you can spend unlimitedly and then you can you have a lot of uh uh things which which their catches saying that you have cash back and stuff like that but uh debit has the same functionality but the difference is that


that uh in layman terms shall I put it that that debit the bank is she owes you and credit you owe from the bank


ya and then uh it's very important that one should actually have uh life plans because life plans from their uh to know more about life plans


okay


part three negative experiences, okay


, maybe because uh when I was when I was in when I was in my teen day my youth, I'm the type of person who actually like to, to ask uh things in details is it so sometimes school or teacher do not give things in detail so ask she questioned them further about about things and and I feel trapped in a way because uh I'm not getting what I'm actually asking for and helpless because nobody actually understand what I'm going through


it sucked it sucked terribly so you know in a point where where where nobody actually uh uh


give give in anything to your explanatory or to your uh documents that you have any uh you know informing them that you have you have truth with you but nobody is actually following up to them


what about yourself


(mmhmm), ya I mean uh particular person that uh hated me for life


and then, I wish I could forget that that's that's that's period that's about it


to describe the saddest scene you ever witness


ya I think pretty much the same watching do you had a chance to actually watched my grandfather's death but but that was really something which hurts till till date


so that's the thing that I I wit the witness part maybe when I I arrived at the scene and then going to him and then and then telling everybody telling my mom that uh no he is still around he is still around you know because his body is still warm and stuff like that


but then my mom came to me and hug me tight and said that uh no you !wah! you touched his nose touched his nose and you will know that whether uh the warmness is there or or it's cold because the nose is the first thing that you that will become very cold from the body


so eventually when I touched his nose then I actually felt that yeah it was actually, very cold so , I can't do anything the and and and his eyes didn't show any form of dilation so so I I forget because he's actually a person who uses cataracts so cataracts they have lenses in their eyes so this sort of thing makes you think that his his there is he but actually he he has actually pass on


I would like to change the time frame but how how much you think change that you are actually, basically you going to cause more rupture to to other things you see because time is something that that you can't play about you you you can't choose or pick because when you choose something else there will be something bad that is going to happen to balance of what we have actually done so


in other words reversing time is not a good option because eventually the person is going die and and and you're going to watch him dying for god knows how long you see so


the thing that I actually wish is to know more about how this this world works that's about it


you remember that time where where where we rush back home, where where where I was actually uh speeding in the highway, because of of uh our dear grandfather then actually( uh) pass on


ya so that there there there was a time where I was actually at to the point of loss of words and and tears was actually rolling down my cheeks in in in as as I actually drive my way through back to home to actually see him


and that was something which is so difficult to deal with because he's been with me for for life you see, so things things like this when you have someone with you that knows you more than than your own parents


you know you you you because I tend to look at him I I tend to look up on to him because he's somebody who has has a high calibre of knowledge you see he sees things like he he he is the right person to actually console ya because I'm I'm, I'm I'm always there with him by side you know during my school days I will stay with him until the point where he had to be under our care so that's the reason why he came to to to woodlands you see to woodlands to actually stay with us


be as a family and and and my mom uh knowing that my mom has some doctoral uh medical knowledge so so, he is comfortable with staying with us because he has his his medical needs and and and things being taken care of but but point at that point of time where where his deaths as lead in there was something which


which I couldn't actually accept at that point of time I I was in the total denial because like what I seen uh I I checked his body and and tried to wake him up, and even told my mom that maybe just give him give him few minutes he's resting you see he's too tired in in in that point


but things went the other way round you see, it was much of too much of of uh


knowing that sometime you actually need to let go but but the question is at what point, because this will stick with you for life cause person is with you for life you can't just simply let it go and and live your life like that the memories still stick into your head it will be a scar the scar that's deepened to your your your your skull you see


so what things that that that will stress you all


what actually made me stress is that uh last minute study for exams and and things like you see is actually uh sort of like crush me down should I say that but actually I don't really feel


the impact, that much, because I tend to do that but but knowing doing that because you need to do things in a quick minute and so maybe maybe that causes the anxiety in within and is that plays a part of of uh an important role in in stress itself


a traumatic incident things like


uh one fine day I was with my dad in his uh car and we were droving of a place near upper thomson road I think there was uh in front of us there was uh uh fourteen feet


lorry which was carrying those metal poles and at every end of the metal poles is actually tied a ribbon a red ribbon so that actually some someone will know that there's something that but to me I find this this thing is not uh, very practical and it's it's very dangerous if ever were to supposed to jam brake so true enough


the driver actually jam brake in front of us and the pole just went uh surging to my dad's uh windshield and my dad tried to protect me while doing that he was already cramped up in his wheel area, I mean if we if if those passed by were out there they will they they thought that we were dead because half of our our car was actually cramped in so it was like like no no way this guy could actually live in this sort of situation but but


but do you know someone actually try to break the the front door in front of us and check us out, onto the the the patio onto the pavement and and that and and we actually it lying down unconscious I mean myself


I was actually trying to regain myself and my dad was actually the one that's that's having the severe uh damage through his uh stomach because the steering wheel just jammed onto his stomach that instance, when when when the the the the metal uh pole yes but luckily none of the metal pole actually hit us


straight into the head onto the onto the chest onto any vital points of our body so this is one thing which is, which is good and and there was a miracle through this because knowing that when a glass shattered the glass will shattered inward but instead the shattering went upward so that was something which was uh very


uh, surprising for me till today and and I couldn't explain how how and why for what sort of thing that is actually and covering us this is is something which which you know keep me wondering till today


ya, okay something that I feel bad about uh is watching someone actually uh stab a dog


from far and I feel helpless I can't I can't do anything and, you know you just do you just do not want to knows around in somebody's else uh uh business so you actually tend to ignore it and just walk away so


it was actually something which I should have raised that awareness but I did not do such a thing just kept quiet and and move on to my destination, so, ya that that that what about you have you witness such a thing and kept quiet about it


I used to have uh, water phobia I used to hate water so much not not say hate but it comes to a point where you hate it because once things that you dislike becomes a phobia to you and a phobia will eventually become something that you will hate


so water wasn't my best friend back then, uh it was really torturing because every time when I got myself into the water I will feel like as those someone is actually pulling my legs


overcoming that , I started to actually go uh


when I was exploring back then uh in Krabi thailand was a cave place so there were actually a lot of water down there so I am a a professional climber myself so, and alongside climbing uh it came a point where we have no ropes so the only way is to actually jumped and dived to the water so that there was one way that that uh even knowing that we have actually have uh water confidence uh


license and and stuff like that but this tests this test this this platform actually tests you out on whether do you apply those things that you actually learn so, falling into falling onto deep into the the sea was one of it, and then you know when you look down and and looking at the abyss hole of of the the water you know like the trends you know that that there's some some demonic creatures actually is going to come and get get you from there that's that's that's those things and actually makes you


uh feel very uh crap about it so I just I just told myself I ease my mind and just stare onto that blank hollow uh ground which which abyss hole which which you know I do not know where where it end


where the floor wet but watching that dark cold there is is something which which just made me I just need to see it from my, self to actually know uh to get out of this fear


hurt someone feeling probably


maybe back in school maybe that when I was in my uh tertiary I actually told a teacher off I mean like uh times like that we actually I I don't I don't find it yeah


yup yeah


part two positive experience


ya actually it happened to me yesterday because uh while preparing for an oral examination I actually went all out to prepare it but eventually questions were


will meet easy on on the examination did itself, so this is something which uh, unexpected and it's uh, in order for me


what about yourself


(mmhmm)


(uh huh)


, of course ya is a most much uh happy memorable day of uh of life


ya, so basically uh, I actually a lot of people not only my my ya ya, but if someone but you know one of it is uh my mom saying congratulating me on uh the excellence of of


uh studies that I do and and praise getting praises and then numbered the second one my wife she has also praise me for things that that that I do when and and yes make that


uh, this is very tricky , and I just think that someone who has actually tell me


I can think of such, what about yourself


oh yes talking about it I'm I once remembered my my


granddad who actually you know pass on a couple years ago so he actually told me that uh, the nicest thing that he actually say is that you're gonna be someone big someday but but having such uh


an honourable leadership onto lay onto you there comes with a lot of responsibility


ya because eventually I came out to be a very successful leader myself, so what was the happiest moment err, in your life


giving birth


achievement


yes we have been to many countries but uh one of the best countries that that we have actually been to because of uh family exposures and uh and there was a uh, few events going on with that was uh a trip to


sri lanka, if you can recall that ya, so, memorable time is that we actually spend all our days in in a fine suite uh hotel


is yours facing was facing against the ocean (ppc) the indian oceans, so that was one memorable experience, waking up every morning to the beautiful ocean


watching the sunset from the balcony, ya


I think you've been through through europe itself you've been to germany you been to UK so that was your further instead of JB


(uh huh)


yeah roughly around three months when I was with you there to actually you know


!wow! , unique compliments uh such as do you have any examples of this


maybe the handsome part maybe sometimes uh uh some random person actually compliment on you can uh charms and some actually compliment on your character but, but no I'm not into that category ya


I don't think so, nope none what about yourself


okay so what are you thankful for


the balance of the bad ya, so


so do you used to hate as a kid but eventually when you're an adult you you started to know how to love it or nurture it


(mmhmm), I'm thankful for all the things that I've uh accomplish or or gain to this level due to the guidance of of our parents our you know descendants and and


like what you say those are things that makes who you are today, and then as as as a kid maybe things that I dislike uh things that uh yeah we vegetable same thing in vegetables


and then you started to know the good of it and when because as as as time goes by you get get a bit more mature and then you tend to actually you know, understand what are these things actually uh do in divide the the things the things that you dislike are actually vitamins for you so so that actually change your thoughts to to love them more


the best birthday present that you you get and why, (mmhmm)


the same thing a wallet they was bought from uh united kingdom, and ya and, was uh


I can't I can't remember the brand but, but it was it was something which is uh bigger than than the ordinary wallet that we used to have compared I think because maybe uh european have bigger size compared to asian so the wallet


ya you mean you mean is something which is uh out from the norm you see so that that actually makes you


the biggest blessing is basically things that uh perhaps maybe, but you can't control mother nature right so uh dealing with such uh events or activities and hoping that it doesn't rain sky look very very dark


as we know that it's going to a downpour any moment but but eventually somehow uh the rain just didn't come and and we all happy to actually continued the activity


uh yes I did


comfort food, comfortable


, comfort food I'm not too sure in this comfort I'm not I, those, but is not to a point of uh cheering me up or or I just love to eat that's me but but the thing is it uh


to find a comfort comfort food for for this matter I don't think so


uh I so much to myself , the ability to actually uh, fulfil tasks fulfil task fulfil miss uh


reports and stuff like that and the type of person who actually will do things from a range of uh according to the, uh alphabetical order of uh I'm I'm a person who is a meticulous and organise


ya that's that's the part which I love about myself


(mmhmm)


I I use I used to know that uh last time we always like to do night cycling do you remember that, that's how one more we to actually are doing and relax ourselves so two in the morning in as as as uh


as late as eight or nine O clock will start our cycle then all the way until uh four or five in the morning we'll stop by some places we will cycle from home Tampines all the way to east coast and will cycle from from from east coast to marina barrage remember all those things that we did


the night cycling ya those suddenly those suddenly something which is uh which is good it is form of exercise at the same time in actually unwind ourselves, and then times like uh where everybody was actually not uh into us and then when when when our business start to get very good people start to come back and and and this this was something which uh we were treated differently you remember that back then


because uh we are we are we are nobody back then you see so when when when we got some stuff people start a lot of people start to come start to compliment us start to advice us this and that and and you find you find it then that is is pretty much odd


part one financial related topic,


do you have a savings account jake, or what type of savings accounts do you do do you have, do you think is important to have a savings account


what about the interest rate


me in my opinion I think it's good to have money in the bank instead of having everything physically with you, do you have a debit or credit card


what do you think about credit cards for me personally I don't agree with credit cards cause it's very risky uh debit cards uh more controllable in a in a way


and but many many people have credit cards now


yes I agree with comparing debit cards and credit cards I mean there are certain perks that credit cards have and debit cards don't, and for certain websites they do uh need credit cards for you to buy whatever that you need


or one of the website


uh okay, have you ever tried to get a loan from bank do you have any experience


no I have never had uh, had to get a loan from a bank before, but what what do you think about getting loans do you think it's easy to get a loan or it is difficult


uh okay, uh for you which bank do you uh trust more or is there any preference to it


mean for you what do you think about having joint accounts


okay sometimes banks they have uh they sell insurance mean personally, I have insurance I mean underuh, uh like Prudential I know there's other insurance agents or companies like AIA


AIG, correct me if I'm wrong AIG, and then there's Great Eastern and Standard Chartered, uh yes is that one that NS and NS use or they have


uh but have you uh even considered about buying insurance from a bank, why you why do you think so


I don't have any insurances uh bought from the bank uh just like you I have insurance from a private company same uh prudential, I think they they cover more more more are as compared to insurance that banks itself


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


do you know what is a high yield bank account


uh is it like for example you put in money a a huge sum of money and then that use a lot of uh interest


oh


personally I only have a fixed deposit account, uh it's much it's easy nowadays I mean , is you can just go to the bank and then go to the counter and get it all done


uh if I'm not wrong I think uh you can do it online now


it's easier for for the masses to do


oh okay alright have you purchase investment products from the bank, did do you know uh what type of uh purchase uh is in investment products do they have


oh okay alright , I mean uh what is it about unit trust anduh do you know what is ETS


uh what about unit trust do you know what is it


uh for me I prefer to go around , half with cash and half cash uh cashless whenever uh we want to go and buy things, right now doing the COVID period uh cashless is the way to go but still there are certain shops that do not have such uh technology


so is still need to pay cash, at certain shop what what do you think on this, okay alright I mean nowadays uh so many people that go cashless uh there's always Mastercard Visa Grabpay everything is so easy for us now


mean for financial planning I think it comes from both parties uh however it has to, , come to a mutual agreement, and understanding between both sides


like for example in buying a car you have to know whether it's a need or want, uh if your partner wants a car with the other uh party thinks that uh is not needed, I mean we some somehow we have to come to a to a a centre and agree whether you want to buy a car or not because


it's very expensive nowadays, and then the same for a house I mean house is a a necessity, you have to get a house but uh you have to think, whether you want a BTO a resale because of the prices


it varies differently uh uh when you get a new BTO and you get a resale and you have to think about the renovation price uh and, all the other necessities or accessories that you want in your house


and the same as family planning if uh you you and your partner think that can cope uh, in these difficult times I mean nowadays we can't


we can't quit our job easily and stay at home, uh during this century I mean everybody uh, I think most people would agree that both the wife and husband has to work to survive, what what do you think on this


in CC uh you like going out once in a while what do you think about the changes that you've made in your spending or saving habits uh during this COVID period


okay I mean it's a lot of people buying stuff online uh some of them even go into debt debts you know they owe uh people money they owe banks money


ya right


I mean personally I don't think I should own a credit card cause I won't be able to hold myself back from buying so many things, uh and shop online, so uh I don't think a credit card is is good for me


part three negative experiences, okay can you describe a time when you ever felt trapped or helpless


okay alright, but uh how did you feel at that moment


okay alright, sometimes where I feel trapped or helpless is when I speak out my opinion


and nobody listens, or tries or even tries to understand, uh my point of view I mean in, in this world there's not only one point of view one one perspective there's so many different perspectives on a certain topic


and whenever you know uh you are in, that can argument or debate if somebody, and nobody uh actually listens to what you are saying


that that actually makes me feel very helpless, that no one is trying to understand what the other person is saying, ya that's that to me is uh a very sad and frustrating thing


nobody should be put down for for their perspective for their opinions I don't think that's right, and have you ever had some hurtful words that


someone said to you that you wish you could forget,


, , like for me, uh


saddest scene, saddest scene for me is when, I see alert uh my relatives, you know uh on the hospital bed, most of them sick and they have all pass on I think that that just uh makes me feel really


uh helpless and sad, it's is at a point of time when you cannot do anything you are not able to do anything for them, yeah that's the saddest moment for me


if there's one thing that you can change uh will it be


okay for me uh


for one thing that I wish I could change was to to not say, something to somebody, but of course once we have all said something it can never be taken back


but at that point of time you know , eh it was just the emotion that emotion build up that gave away uh whatever, you know uh feelings


and everything we were just said out, all in a very bad timing


(mmhmm)


, a lot of things what stress me out, uh such things can be like you know, uh, when I'm doing something and then there's someone who wants me to do so many other things and then while I'm doing all of those things


they actually say that I cannot multitask and that uh uh I cannot do anything, and you know uh they still want me to do whatever it's that they want


that makes me stressed out because in the end also I mean all the work done is by my own self, uh I mean nor help was give nor it just uh nagging oruh talking from this sidelines


that was mostly done by the other party, think that makes me very stressful to know that , everything is on my shoulders to do a lot of things, I mean support support has to be there as well


so it's not easy


(uh huh) uh alright do you have uh, a fear that you are so scared of


okay alright but uh it's I'm glad that you are you know you're safe, but it's just that the experience that had


it's and unforgettable one, in and not so good way


(mmhmm), for me uh that time where I witness, someone being verbally abusive


but uh I was too afraid to step out and go out to the person and tell the person to stop, if only I had done something I mean know the other party wouldn't wouldn't feel souh


the the situation wouldn't be uhthat bad right I mean others would also step up to help , will just that it said that nowadays uh such things uh we we turn our heads the other way


sometimes, ya, I do have any phobias


(ppc), water


(mmhmm), so how, wait so how uh how did you overcome that


okay can you describe a time when you have it hurt someone's feelings,


(mm)


positive experiences, have you ever had a time uh in your life that you


had a moment where you think that, things turned out so much more better than you you thought it would


uh okay, uh, for me a moment that I really remember is


my wedding day, ya it turned out so much more better than I expected because, , I didn't think that you know uh having plan our wedding so hectically and


you know there was so many things that needed to be done, uh certain things didn't go as planned certain things uh had to be changed last minute, something uh, it wasn't the way that I wanted it to be but


it was very well accepted by others, but overall, it turned out so much more better because uh, all we received to us was positive experiences and comments and opinions, from our relatives or friends


it was really the happiest day that I could remember, uhother than giving birth to my two children of course


have you ever had uh something nice, said to you by anyone, do you can you share about that


I mean putting praises aside or, what is, the nicest thing that someone has ever told you


it can be something small something you remember, it doesn't have to be something uh big


do you have any, , for me I think the nicest thing that someone has ever said where as that


, to hang in there always be patient never lose hope, ya I know I said, for me for somebody to always say uh always be patient


and never lose hope is a great boost of, you know uh support, and then that's, a nice thing to say to somebody who, who is feeling down or not having such a great day


, and what was is that one of the happiest moments in your life, it's good for you


uh for me, for me the happiest moment was


seeing my children come up for me giving birth, yes something that I thought I couldn't do but you know somehow


sometimes uh, you just have this great, sense of achievement uh and this is one of them, it makes you uh


very happy, very fulfilled ya, have you ever travel out, to other countries before this COVID period


okay, for me personally, having be being able to travel itself is uh a good thing I mean uh I don't usually go, travelling so much in before before we got married


at most the furthest I've been to, while always travelling is JB, #johor bahru# malaysia


uh, ya but , that whereas for work experience if, something that really makes me happy was, a family trip, family trip are much more memorable


ya to me, uh I did have my husband come along with me during my working trips to to germany, for I think around two months


right, (mmhmm), and then uh what was the most unique compliment that you've ever received


like you are very handsome or


you you are very loud you know whether that counts as a compliment, or you talk a lot, as a leader I mean talking a lot is good, you know that can be a compliment to someone


uh do you have any odd compliments that you've ever received, if you don't have, no none, for me I mean personally


odd or unique compliments can be, uh like, I'm a very quiet person, I don't know whether that counts as a compliment, or not, or uh very patient person


ya, what I am thankful for I'm thankful for a lot of things for first of family


that has taught me a lot of things, you know to be uh a wife to be a mother to be a daughter, that that itself is a huge lesson for me


to learn from, and I'm very thankful for that for all the good and bad times I mean uh, you cannot have all good times right you need to have uh, certain downward moments ya if you don't have any then you wouldn't be you


right now in this current moment, and because of that ya and because of that I think we tend to change a lot, and I think change is actually a good thing


so we learn from each other we actually evolve in uh and in every way in our relationship as well


, I didn't have much, much things to hate it when I was a kid I think uh my childhood was good, I was very happy


during my childhood moments, , if, maybe for most kids eats vegetables of course you grow out of it when you you become an adult


but what about you do you have anything that you're thankful for


, (mmhmm), best birthday present is it was a wallet that I really wanted


uh it wasn't exactly the same wallet that I wanted but uh it had similar designs to it so I was very happy with it, uh how about you


ah, ah, united kingdom, what brand was it


would you count that, I mean would you count it as a blessing in disguise for having such a good wallet


have you ever had any other instances that uh waiting is such a big blessing in disguise


okay alright, , do you have a comfort food whenever you're sad I mean everybody need something that makes them happy right


you have to make yourself happy so for me if I don't have anything around me uh that, boost up my emotion I go and get ice cream I mean ice cream and chocolate is the only thing that that makes me feel


comfort ya and it's a treat for myself what about you


I know you love curry puff, , okay then uh can you tell me what you love so much about yourself


uh yes you are , for me, the part where I love about myself is my patience


you know how uh you know you some people just cannot control their temper and then uh some others just, are able to to to be able to keep quiet while they're being scolded or they're you know not having such a good day and rent out everything


mean for me is my patience to be able to uh control myself, and know that better things are coming are that someday you know uh things will get better somehow


there's always like a silver lightning, ya


yeah ya remember


yes, ya but


financial related topic, okay so uh I'll just share a little bit uh on myself I have already purchase a HDB flat


however not under a single person scheme it's actually a, very old uh scheme called the sibling scheme okay, okay uh as for the grant honestly I don't really know whether we had a grant


we were, we were able to purchase the place that then uh which probably means that we should be eligible for some sort of a brand


all I remembered was that my brother who told me that uh I think we got a HDB loan the first time round the second time round we didn't uh I didn't know if it's got anything to do with grant or no grant lah but I'm not sure if every


every first purchase of a HDB fact would mean that that would be a grant automatically so ya


ah ya I I don't really know actually, how to find out, call HDB or


okay no so the thing is that uh for the discussion sake also that I mean I'm I would assume that if, talking about HDBs lah I would I would think that if anyone who's could couldn't get a HDB at this point of time anyone was that's eligible


when they apply for a HDB flat isn't isn't it automatic that the grant will be applied for them or they have to actually physically and be very cautious that to know that there is actually a grant and if don't apply it the government would not give it to them


you didn't know what I mean what I'm saying is like is there but if you didn't apply for it then too bad you know, (mmhmm)


so so so my question is actually does it automatically factor in the grant for anyone who applies for HDB or you actually need to really apply for it


, okay okay fine so, so let me see, when we renovated the place


I, ya I don't think we actually got a loan and even if we did oh ya maybe we did to get a loan but it was a really small amount it was really really quick definitely it would be in an instalment lah because the loan no no point getting a loan on non instalment basis


it's a little bit tough lah because this is this was probably under my brother's name and not my name how about you if you got renovation, uh you will definitely do a loan or kind of fully paid


so basically is just to free up any excess cash for like last minute stuff that we need lah you'll need lah in a sense, oh, okay number three is actually very uh interesting I think there's a lot of talk about this buyer's stamp duty and uh ABSD right so


, because it's not just these two these two, things that are also affecting, getting another property okay wait wait wait this okay this question I'm not sure whether it means whether uh it should be for a second property or for


just one property let me see uh, a second one ah


okay , additional buy one, or the normal one okay okay so but


so buyer stamp duty will be even for HDBs, or actually I don't know, oh ya so stamp duty lah basically it's just all properties any purchase buyers stamp with it okay ya okay so


would you buy a property if given the information of buyer stamp duty okay probably yes, for investment even if let's say it's the first property if I'm staying in my parents they have a space for me


ya I would even though there's a buyer's stamp duty to buy consider getting a a property on my own for investment no the first one the buyers stamp the first one when would you buy a property for the investment given the implementation


what ya lah if ya lah if there is a place to stay lah but even so even so even if there isn't a place to stay in in like my parents place or whatever uh, an example would be buying a bigger place and renting out the rooms is also investment what is also investment sort of uh


uh it's mean that it is a part investment portion in taken into consideration so ya why not, even though there's a buyer's stamp duty


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


okay so for people buying additional properties actually the additional buyer's stamp duty what's the different are then the rates, as compared to the first one four


so it's double lah, , , okay so


definitely ya ya ya of course the reason why you had this in the first place was is to prevent all the speculation preventing all the rich foreigners or you know whatever people passerby that can actually come in and buy up all the properties and push up the prices like Hong-Kong [la] basically in O seven O eight of it


no I don't kind remember when it started off his additional buyer stamp duty but ya when, you mean that was when they started the additional buyer's stamp duty


ya no like the like Hong-Kong being pushed up all the property prices lah


because it was after the O seven O eight time where if there was a a huge boom and that's when they started adding all the additional stamp duty you know and all the


I don't know the years but it's definitely around O eight O nine time lah right, ya so okay


so yes I would say that having to pay the additional buyer's stamp duty will definitely deter, me from investing in properties because it's additional unless that is something I can readily afford you know in excess for


uh the stamp duty itself and for the properties you know then maybe maybe I would consider investing in a property but then again if you talk about the the ultra rich this is nothing for them , you know uh so ya


I guess speaking on my own context at this point of time is definitely uh no lah I would actually like yes it will determine so no I will not be buying or investing in the property because of this additional buyer's stamp duty, I think would be same for you right


you're saying that this provided there is a really good steal price lah


honestly how I mean I don't think it's going to happen you know and not in this lifetime boy,


, (mmhmm)


okay then I mean you okay then in this in this in this in this in this uh aspect can you just share with me what you think was a steal through your experiences in this line


it would have known what you you would have seen properties, around and you wouldn't know whether it was a steal, ya so so what would what would be a steal at a really good price


for you at that point in time you cannot talk about now oh if I knew ten years ago that shophouses was gonna be worth triple or, five times the value now I would have gotten it then but that's not then back then nobody thought it was a steal so you


you know you have to let me know at that point of time while you were present at that moment at the year at that time what was a steal that you have seen you know then how would you know is a steal you wouldn't know it a steal until it's over


which one again, sorry I don't I can't really hear it's like breaking up


uh I'm sorry but wait wait can you wait can you stop for a while first I I'm actually having a breakdown in the in the in the hearing incident because I see a loading sign on his screen


I can hear you definitely but for him I hear I I see a loading sign on his screen on my, device then okay now the load the loading sign


, okay but now it seems okay you say something about something about


the casinos and stuff that's what I heard, (mmhmm)


I think it's fine that we don't finish all the topics is just this is basically a discussion so as long as we are able to uh bounce off each other that's fine


(mmhmm)


(mmhmm), (mmhmm)


(mmhmm), I mean people who actually bought before all the boom in a casino they probably didn't know that they entered at the right time isn't it


the flipping ah


okay so


ya so uh I mean just talked about you just sharing maybe your experience have you done any HDB appointments, with buy sell, ya for anyone else no okay got in I just very briefly share that back then everything seems to be quite simple with the CPF deductions for


purchasing the house basically you just sign on whatever the officer tells you to sign and they will literally tell you okay we know that you had this amount this amount this amount in the uh ordinary account, and we are going to deduct


back then it was the full sum basically they just, clear out your whole ordinary account to pay off your, house purchase and then the remaining amount would be uh taken up as a loan but I think now is a bit different though uh


now it seems like they they will live a little bit back in the ordinary account instead of clearing it hundred percent so I'm not so sure lah, yup


negative experiences


so you don't factor in your family


, okay so how about the, let's try like saddest scene we have ever witness lah I


I'm trying to see if there's anything like that but do you have anything in mind


what, uh, but then I don't think that's the saddest scene ah


okay , okay maybe I will just what scene you had ever witness what I'm just wonder whether is like a scene you know way you see something happening or it's like an experience where you you you you you just know about it and then you just still negative


it's not just in Hainan I think in general asian countries especially you must okay although we I say the word third world countries but you know china with the outskirts the rural areas they are pretty much considered still third world what you know there's only the


the the more popular the central business it uh states that that are doing well the rest are still Kampung people so you know like india they're still like that


I don't know I even think the malays in malaysia can be just as bad you know so but how is that how is that the most the status seen ever a witness because


, okay how about, I would think about trying to talk more about that uh traumatic incident you've ever experience because you say saddest oh also you know but traumatic something at affected you it could be just like the thing experience


you know what you had any traumatic incident


ah the motorcycle,


ya I think you were quite angry ah


stress ah I guess, for me , if I know I'm not able to secure a revenue source of revenue income then that would definitely give me give me a bit of under stress the good thing is that


the good thing is that of course I do have savings and I usually do to tide me over whenever I'm not really working or whatever I am uh taking a break or whatsoever reason even like now COVID when things were pretty much understands still for the first three months of the


of the year I think , march april may okay let's let's just assume during the circuit breaker so much for from march april and may ya so, there is definitely as a tendency to be stressed out if I know that there's a lot of things that I need to make payments for and they cannot be


be uh forgotten or not paid then, of course I would have made I would actually make the payment regardless because I have a mention, extra backup fund somewhere you know but knowing that this amount has gone out and I have not


earn this back in will give me a little bit of a stress I can't say that it gives it makes me really really stress because thankfully I've never been that broke ever don't know so but I do know that there's a little bit of stress I'll get frustrated I I will


you know I will definitely feel like I need to do something more to try and reach out for more work related things or activities, ya and of course


, I can't really not that stressed uh in in overall, person I guess my character I don't really stressed that much the the only think I'm stress is I will


maybe a little bit more Kancheong certain things like oh I'm going for trip then I tend to pack a lot earlier than before I don't like doing things last minute and you will put me under stress for not doing things at all and you have to go and pack everything


ya because you don't give her you don't really give much hoots about whether you are gonna be late or not and you can can you imagine if I if we really miss the flight for Surabaya because you see the person that was just


next to us at the next hour he couldn't even check in and he was so angry I would have screamed at you and I kick your butt you know, you will never but point is you don't know what's going to happen and that's the thing can you financially afford to like just up and go and just pay and buy another the tickets on the spot maybe not you know then then everything is ruin your hotel and everything all these are additional costs and you don't think that that is wasteful you just


can't be bothered which is something that I don't like in that will stress me up to that point, what is a fact what I did this a reason like I nag


you know, ya,


I mean if that's the case then why do you even bother to book a ticket you might I just feel like you know I'm going to go for a holiday today and then you just go


eh my partner lah,


depends on what kind of sick lah if it's just a minor cough or whatever you know it's not that stressful isn't it


!aiya! Choy, but it will still be but it will still be bought okay you talk about this uh this is not a very good topic because ultimately these will definitely be tied in to financial because you can't work you are in pain you're suffering and then is whether you have enough money to tide you over and that were ultimately also lead to


financial losses what and this is a very bad example if you want to cut off financial connection right, how is it not really unless you telling me that you have a million dollars and then this is just the imagination of you know possibilities if if the person is sick


everyone ya lah okay everyone has a chance of passing on okay


I don't think it makes me I don't think it makes me stress you will definitely affect but he doesn't give me stress for how is that gonna stress me like, unless I'm


well ya I mean , I mean yet everybody go through will probably go through this at some point of losing someone that they care about you know


uh , okay maybe to me is is different because I may tend to have a little bit of a stress trigger but I don't really stress about things that


does not benefit me to the point where it it is for nothing you can't stress over things that cannot be changed you know in that sense it it is you're just generally just giving yourself additional


pressure by being angry or upset at something that you know it's not going to happen or is unable to change I mean, I cannot say that the more I stress this person's life is going to be longer then of course the ya then I'll try to feel very stress all the time you know in order to extend this person's life but this doesn't work that way no matter how stress you are


if it's time to go it's time to go if you're not gonna be able to change anything in fact you might make the person feel even worse, knowing that oh my god because of me then I'm having all these backlash because of their loved ones around me they're feeling all these pressure and you know blah blah blah blah it's not gonna make them feel any better either


I mean it's the same thing that I'd say you know why you get so frustrated over something that you can't change you you're not going to change the guy who cut your lanes mood you know he doesn't even know what happen, but there you are being angry and frustrated so ya in that sense yes if things happen yes you get affected but that doesn't call stressed that causes sadness sadness is something that


it's an emotion where you know it happens but it doesn't it's not a self created emotion in that sense is a sadness because of the connection of the loss you know I don't like explain to you eh


, ya because, ya in a in a sense but if we because with that loss, with that this that last I look I lose a lot more things okay very simple if you loose a partner do you think is potentially possible too


find another partner you can say if you lose your job you get find a potentially find another job but if you really lose all your savings, the immediate needs ya the yes but the immediate needs that you need to fulfil your stomach your housing all these to the repercussions used to be a lot more you know it seems like lah it seems like it it has more negative repercussions that will put me under stress


but I'm not under stress now as in nope I'm under stress only when I make big payments and I don't have any income coming in


I mean, , it's very semi lah not I'm not it's not very stressful I I generally don't I generally don't, don't show a lot of stress or uh or


breakdown during such things I mean to me ya so I I may think I may feel a little bit of pressure but I will never I don't really show it and, uh, ya I have never really buckled under that much pressure you know so I can't really say whether I I I am really stressed out at any point in my life


I am what, you can put it that way like I said I don't I try not to fret over


things that I property thing is unnecessary lah mean things that yes maybe I do fret a little bit here and there but in general I don't I don't replay the scene over and over and over over again you know and I will do something about it in that sense I will not let that boggle me and just


ya kill me I will do something about it most of the time I if even if I'm down you know it takes a while but I know that I've always come back because I have and I will not allow it to happen because, my theory is very simple I can only harm myself you can always ask for help but they have the right not to help you but I can always choose to help myself and if I do


good if I don't then is only myself to blame I cannot is not right for me to ask for people to help and then blame them for not helping me because it's not their responsibility but it's my responsibility to help myself so that is what I know that I will do that maybe that's why I don't feel that stress because I know that ultimately I will do something


to help myself ya, so I do have stress but maybe it's because I know subconsciously that I will still do something about it lah ya it will not eat me away and just kill me or in that sense I guess if you can put it in that way I think I think so


(mmhmm)


of where you are you were you were staying then


how could it be that someone committed suicide or what


bones cracking ah right, ya I mean it's a pile of bones


ya, (mmhmm), (mmhmm)


positive experience experiences


potato corn steak, potato,


and, then you don't you don't you don't call it a shepherd's pie what you call it a freaking beef stew know I don't know beef pie or I don't know if is is if you saw is if it's without that much vegetables is not really a pie isn't it


, (mmhmm)


didn't really have much festivals, could, (mmhmm)


(mmhmm), okay, okay so where was that at


is the stall still there, violet Oon place


(mmhmm) (mmhmm)


okay, I really don't know man, because I find it a bit , I don't think I don't think one particular food could cheer me up


comfort food !wah! when it comes to the such a okay you said potato when you eat potatoes you actually feel happy that like it really makes me feel like to do do do you know


, then there's then there's too many things here because you see ah like the Mee-Hoon-Kway is also one of a comfort food instant noodles is also one my comfort food


Bak-Chor-Mee even normal fish ball noodles is like comfort food of course it the the common denominator noodles lah but I don't know man ha what is is noodles


ya but I don't really think it's to a point where it's I could always rely to cheer me up I really doubt that it's gonna cheer me up though, like I will like (hmm) you know I still that (hmm) ya it taste nice but I don't feel like much happier after eating it you know


ya I don't I really don't know what what's my comfort food know maybe okay, ,


, I don't know I I generally like a lot of food you know snacks and stuff but never really one particular dish okay so


okay so maybe the instance okay let's just if I were to zero it down to a couple of things, okay lah maybe I can just go for Mee-Hoon-Kway is one of them


, probably Bak-Chor-Mee I mean you can hardly really go wrong with the combination that I usually that we you know we usually take the three sauces


what what, I don't think so leh, no that unless I mean even you book even if even if even if ya okay but it wouldn't be that wrong definitely in a sense of the taste the noodles might get a bit undercooked you can tell tell them to redo another one because you tell him the noodles are not cold but I mean if they know that is undercooked they just cook it a bit longerlah


but taste wise I mean I'm just saying in general probably you can't go that wrong you know , ya but I'm just thinking I what I can always rely on that this is a very very


heavy phrase because I don't think I can really rely rely on something you know like movies they always show oh I'm so sad let's have ice cream you know and junk food and that supposedly, cheers them up I don't see how it cheers me up ice cream


you know so , I mean I like ice cream but it doesn't cheer me up so ya I don't really I actually have a food, flavors


(hmm), like what you mean like if I like durian flavour means anything that's flavoured with durian I will like it


flavours ah !wah! also a bit Cheem you know because


I I mean, okay, yes okay one thing that probably which cheer me up is a good


nope tea maybe I think


okay so then ya so the reason why I say that is because when I sometimes, uh you know get uh a deal and then uh I would, just buy one cup just to reward myself lah for for that you know being a stingy