so it really depends on, how much you can trust the financial advisor which for most is, quite a good amount lah but, you have to also find the a a good one lah so you can trust them


and then, also how much you can trust yourself ah like for me I don't think I can really, like do, plan all my finances my, entirely myself I


even if I don't get a financial advisor like a actual financial advisor I will still still, always seek advice from


negative experience


there has been a time like this ah because, my my families we are I'm quite close with my family lah so, for me not really


because like I said before I'm, quite an anxious person and uh, a bit like insecure, so, I never really, set my expectations such that it's, like, really heartbreaking lah so


I think that it on its own is also quite a bit, sad ah because uh if you, set high expectations and they are met it's quite a nice feeling right


don't you agree but I never, have really set my expectations, high enough such that if they were not met it would be a heartbreak ah


what did you do to, get over it ah basically


when I'm disappointed by something, I, if it's a recurring thing, I have to, keep working such that it, improves ah


you know what I mean like if I, uh whatever lah but if it's like a one time thing like a uh like similar to your story I have to move on lah like you said yah I just


while it happened uh what can I learn from it, uh, then I take what I learned from it then I forget the rest, I'll try my best to like this


I'm not sure if there, really are any because, like I said I, my, the people around me are, nice ah but they sometimes like jokingly say like


oh they call me fat or something like that lah which I am, but, they it's it's not really, they don't mean to hurt you ah, but, I've never really been spoken to, so that


with the intent to hurt my feelings, uh even if they also I, uh if they if there was, if there ever was I


think that uh, I don't take their words to heart lah, it's , impossible to completely ignore it but uh if they like hate me for whatever reason


and, but I have no reason to hate them, then they just hating me, then I, shouldn't care about, what they say, if they what they are saying it's just, an insult for insult's sake


a time when I felt betrayed is, some of my friends had a falling out


and while that's normal lah they just, falling out, and then I just was watching from the sidelines, and then, all of a sudden I was suddenly involved, for whatever reason


and that was when I felt the most betrayed lah because, I'm I'm not taking sides, but they put me, they put me on the other side, like they see me as uh


the opposite the the, the enemy not really the enemy but, on the other side lah basically and uh even though I had done nothing I hadn't I hadn't said anything during the


argument I was just watching uh, but uh now it's, we've, reconciled lah so it's okay now


what was the saddest <B>, I think it should be, around last year ah, it was one of my


uh, longest and most, deepest uh, uh depressive episodes it was, right before, it was before my exams and it was basically the whole semester, where I didn't feel like


going on lah keep keep going ah I felt like, uh this polytechnic life like


I think it was my, I I think you go ahead with your point


I don't really keep up with trends so I'm not sure, what is the trend right now, but uh, uh if I were to answer it would be, uh, I rather not answer ah actually


because it's uh uh quite a bit uh political lah so I don't think it's okay to say here


spoke about this just now with my, previous yah I think, why I wanted to give up was, because it was


more work than I was used to ah, uh from my secondary life, like I said just now uh, in the previous, prompt I I I, secondary school was the last time I enjoyed education lah


right and then, I didn't enjoy it really in polytechnic, but I still was okay with it lah it's, uh, like a necessity or something like that but


when it got to that semester, uh the, thought of it being a necessity, started to wane, and I started thinking oh I can just


go do NS then just do whatever job after that, which it uh really like, cut away like, most of my motivation, to continue with my education


I think I've I've witnessed like bullying, and I, kept quiet about it I think I witness, worse things but usually I would, just say


to whatever authoritative figure, that can do anything about it ah


actually it's not that ah, I change my answer a bit, it was uh my friend had a, had a depressive episode and I was, uh


uh a bit scared that she was, uh suicidal also ah so I, was quite worried but I didn't say anything to her or, any of the people around her, which uh really sometimes if I think back to it uh I really regret lah


now I think she's okay


uh one problem that I have is, uh insomnia , really it literally keeps me awake at night lah, but, other than that it's the, recently it's my


I have noticed that I'm actually quite lonely, other I don't really, I love my family but I don't really let them in, so it's, uh quite difficult


to really reach out and, have somebody to, be companions with what about you [ah]


positive experience


seeing the people I love smile also ah, ya, or not really just people I love seeing, anybody smile can, help, lift up my mood also ah


really sacrifice a lot for my, unless you consider, procrastinating, as a sacrifice lah because I get the short term happiness, from the


procrastination as a sacrifice lah


it's a sacrifice that's worth it but, it's not something that makes me happy lah it's not the it's not, overwhelmingly a positive experience


uh what do you think was the, best period of your life, like the your most happiest experience, like as in a period of time


uh for me it's my secondary school years ah, eh you, similarly to you I, made a lot of friends, and many of them are still, quite close uh, and I spend a lot of time with them ah


uh, and also on the education side, I think secondary school was the last time I really enjoyed studying, uh and mainly it was


a great time in my life lah, uh still, it's quite nostalgic whenever I think about it lah


one of my favourite movies is, uh, the secret life of walter mitty smithy, the ben stiller movie, uh it's about, it's a quite a, nonsensical dramatic story which uh


I really like because it helps, pull me out of uh my own, out of reality ah, which uh, isn't always quite enjoyable, and the cinematography in that movie is quite


spectacular uh because uh, a lot of the movie is shot in, uh greenland or iceland rather, which is a stunning place ah, quite a beautiful place


one place you have been that is, uh that you really liked, and would love to visit again


can think of right now is the, #gunung merapi# in Jawa, it's a volcano, and when I went there, they say it's usually misty ah but you we could see all the way to the peak


and it was like a lot of it was, green and grass, so it was, nothing like I had ever seen before there were no like trees or anything it was just grass all the way to the peak


it was quite a sight lah, I had never seen anything like it, and it was see it as it was a, uh mount on the mountain, it was, colder than I, am used to being outside ah


so it really a nice place


they are a great support system for me ah


achieving what I, want to achieve if you get what I mean uh another thing is the internet, because it's basically


my entire life lah basically at this point, uh, I spend most of the time on the connected to the internet and uh, ya a third thing is uh my


circumstances, outside of just, being born into this family, uh being born in, singapore is quite okay ah it's uh not the


bad country to be born in lah basically, but it's not really all that


what's one thing you love about yourself


is that I have this ability to just, turn off my brain for, a short time and just do something, without, thinking of the consequences, uh sometimes it's


not a good idea to do that ah, but if I I've already, mastered the ability to do it, when I want it so, I wouldn't be quite where I am if I


I hadn't had this ability ah because, I'm actually quite uh, uh an anxious person, so, having that ability to just do something, without the anxiety, for just a few


like seconds or minutes, it has really helped me ah, and I like it a lot ah


sometimes when gaming doesn't help me relax, like when ya when, I cannot game because, instead of relaxing I'm raging uh is, to just uh


disturb my parents or my mother specifically, just for attention ah


, uh a positive


well I've been proud of myself before lah but, uh I haven't had really a an achievement that I can really say I did this uh, and be


and say it with pride so I'm not really sure ah, maybe I can think about it while listening to your answer


which was quite recent actually, it was because, that internship was actually, quite physical, and nothing like I have ever done before, and so, it was really a


a first ah a first for me something I, I had never done before or had never thought, to do and I did it lah I just


part one finance, ah yes uh for me I try to live by the eighty twenty rule


so , for every income that I make, so uh twenty percent of it I save, so I think that's a good way of saving money how about you, I try to abide by that but


uh it doesn't work well every time but


I think it's good I think, the one sixteen rule is good I think it differs for every individual, but I think the most important thing is just to save, and, and also not to uh succumb to impulsive buys and always to have


uh to save up to have an emergency fund going forward so in case if, anything touch wood happens like for example now COVID where people need the money to buy, uh essential essential foods, and and also the government is is helping us you know with the solidarity budget and a different payouts that they give us


so I think that’s good to save, uh for me I I only spend a bit, actually no I spend uh mostly on my uh motor


motorcycle license, but apart from that other than major spend expenditure I I I save them, if‘s not needed ya, so uh Sya~ ya so Syafiq , what what are some uh expenses that you have to cut off uh having to adopt this uh savings uh mentality


ya I think the the most common uh, especially our generation the, uh post-millennials so Gen Zs so we spend on, like excessive shopping we eat out, or like habits like you know drinking expensive coffee when it's not needed


or like uh expensive hobbies like let's say play golf or, like, some some expensive hobby, so, I think that those are some of the expenses that if you cut off, and you just try to live


simply uh every and minimalistic mindset I think that's good, especially now post COVID I think now we need uh instant cash, to uh as I said again to spend to spend on it essential itself


yes and ya now , most of, the people are trying to liquidate their their money, because they they’re having to spend more, because of the situation now, so but but but then again I


uh I want to ask you what's your, what's your goal in terms of financial independence


that's good so it is is basically not uh not having to live, uh paycheck to paycheck right it's more like having money come into you, to your account every every month


I think , there are there are some, something that I need for me to be able to say that I'm financially independent one is uh if I'm able to plan for a major purchase, like for example I love to travel


so at any point in time when I'm able to let's say travel to europe, then I feel that I'm financial independent another one would be uh to have an emergency fund uh as I explained earlier things can happen, uh touch wood if any of like example me or my family members uh anything happen to them I would like to support them


uh in case of emergency and and also at uh from what you explain to have passive income to have a steady flow of income so that I I don't want to live from paycheck to paycheck so if I can achieve all those three things uh I think I can achieve financial independence


yes the topic of passive income so, some people they do freelance work, they do other than that and other than their nine to five job they, they try to invest and develop a financial portfolio


but for me personally what I'm doing currently is uh, uh being a food delivery dispatch rider I won't say which company ya but uh that's my way of, uh making side income for now there are hopefully if once I learn more about


finance I I can turn it into passive income


a a a little bit can you can you explain the term for me, uh yes yes correct profit sharing profit sharing


I think at least age no because , I need, to own a credit card it holds a certain level of responsibility, because it's money that you don't have you are using future money that you might not have


so I think uh before one indulge in having a credit card, I think uh you should weigh what what are your priorities at that moment in time, ya


I think the pro of credit card is, uh, one thing is it's cashless, that‘s one two is I get to spend, on, future like if let's say if I were to go travel I can use credit card uh internationally


so there's a pro the the cons I would say is it like I it's very easy nowadays to, uh, to have this mindset of spending and uh eventually it will accumulate and it will turn into debt, so that's that that's a major con in and of itself


so, ya those are some pros and cons uh <P2>shaffiq</P2> I I want to ask you what if you could give advice to your younger self in terms of finance and uh money literacy what would you tell yourself let's say five years ago


something that you know now that you will tell your yourself your younger self, !wow! ya


there is never too it's never too young to start investing I think that's the, that’s a good


ya like if only we knew, we knew then what we know now you know, ya, I think I will tell myself not to indulge in uh


like, very expensive goods, so like the clothes that I wear, the phones that I buy, the food that I eat I think now looking back there are some questionable decisions that I could have uh could have not take


so I think that's one thing I tell and and also not to conform to uh society pressure of having to have all these materialistic goods, I think now also the the the way the the world is going everything is trending towards


eco-friendly and uh everything to be minimal, and uh always have, uh money on hand, ya I think that's the way the path is going, so that's what I will tell myself


my younger self


that's a very good question I think I think the fine line is, uh if you can answer honestly to yourself, in let's say a week from now, will you will you be using this money that, that you just spent on


I think there is a good gates and and also to ask, uh the opinions of your family and friends, because they because they they know you the best, and they can easily know whether, you have the right intention like for example if I'm getting a phone


it doesn't have to be the latest phone it just have to be a serviceable phone and uh whereas if I were to indulge in something expensive so let's say my hobby is to travel, I will spend most of, the money that I have on traveling so that's one thing that I can hang my hat on like okay I'll be spending


uh this lump sum amount on traveling and the rest is not a major priority so that's where I draw the line between having fun, and also uh saving money


right


is it a good we should, yes correct it's a it it it's a struggle to uh, working hard and


uh so so what do you say is true you have to study smart and not study hard, because when we are young, uh we will just thought okay like you have to follow the route of okay you study well you go to a good school get a degree, and then jobs will be there


for you, but now as we see now in post COVID a lot of the graduates, now in the market they are they are not getting jobs and they want that experience so I think that's a good lesson for us to like to be mindful and and plan for what's ahead so not only look for your own job but look for after you’re after you‘re nine to five what do you plan to do


you should always have a side, a second plan ya


my opinion of insurance has changed over the years when I was young obviously the common, the common theme around there has always been oh stay away stay away but now as I get older I understand the importance of insurance and also uh personally I know of a family member who are really benefited from having insurance because she she was going through a very rough stage and because of the money that


uh the insurance company provided her she was able to uh waive off a lot of her hospital debt, so I think insurance is is a very vital part of an of an adult ya


I think (ppc) for


I think connection is very important, so for, for something like insurance, uh this first impressing counts, so I mean for me personally, for me in my opinion this is how the world works so if I happen to know you from uh like from my previous uh the schools I go to or or I've met you outside so it it gives me a good impression on who I'm talking to so if you happen to be insurance agent and you approach


approach me I I will give you the benefit adult and listen to what you have to say whereas a stranger who comes out to me uh especially if I'm busy I don't think I will give him uh that time of day to hear his point so I really think it's how you do it it's not matter of


uh ya sorry I think it's very important how you do it so the the approach when it comes to being an insurance agent I think that is very important, yes


I agreed now there’s there's a a very, uh the human interaction isn't what it was last time and and especially now in singapore we went through, three I'm not sure whether it was three to four months of circuit breaker


but those times especially were very tough because you are with the only connection that you make are with your family and, I believe I speak for all of us that we are very out of touch, with our friends, our colleagues and et cetera


so I think ya, yes yes ya you spend less also when you're at home and then the government helps us by giving us, the various budgets that that they provided are singaporeans


uh for me currently I'm, I have an insurance plan but it's like the most basic so they cover health insurance


uh so death and uh I believe, uh critical illness, ya, like the most basic, the basic one oh ya I


I believe because I'm the I'm the first born so so I think maybe I get more, ya, oh you you gonna put me on the spot


oh right right right, ya I mean it it makes sense for if you enter in early you will benefit like it will it will reap the huge benefits


like more rather than you enter late


!wow!


negative experience


I think when when people are, how do I explain this when when people don't understand uh social situations, so so, so for example like if let's say I'm with a group of friends


and then uh, I see like, uh another friend of mine coming by, and then like, and then let's say he sees me and then I come to approach him and then I’m with my friends, and then is and then if he if he get if he gets awkward then for me I think that's a very


I would say that's more of a pet peeve than uh than uh something that that angers me like people like people who just don't understand like the social part of it you know, that like really troubles me


okay one is rolling your eyes, that’s, I think that I think that's okay there's there's number three I think number, two pet peeve ah pet peeve, uh oh when when someone ah grind their teeth


like they ate like they like fireworks, when they when they eat utensils uh I mean not eat with the utensils and then they, you know they they just had that sound then for me it just it just very disgusting, you show no no food etiquette, and that kind of thing


and then number one, pet peeve ah uh, I think uh raising your voice I think, uh for me I feel there's no situation where you should raise your voice like no matter like for me I like to keep everything calm and collected


like there's no need to there's no need to raise your voice like you can make your point, uh calmly uh objectively you don't have to condemn the other person, I mean doesn't mean you raise your voice means you are right, it's not it's not a shouting competition


so I think that's I I think that’s my three three pet peeves yourself


oh !wow!, , , why do people do it I don’t understand


ya it's the most disgusting sound ever, annoying disgusting, (<B> ppl)


uh I'll be the victim of that, uh culprits of that , just just go kill yourself


or when people bail you


okay this this might go to a tough place uh I think my one fear is being alone, and alone not in a sense of, like alone as in like I don't have a significant other alone means


alone meaning, uh because inevitably, I have to admit I mean if I do live long enough, I will eventually lose my parents one day, so that's a very sad thing for me to even think about


because going through death, there's a lot of stages of death you know uh grief, uh confusion sadness, so I think for a child to go through that I think that's very tough


or deaths for me per se no because because I know okay, there is something that awaits us after that but ya let's not get into that but alone meaning


yes correct fear fear of losing them and uh not and not being able to have the interaction for the remainder of my life here, I think I think that's one thing that I'm, uh, uh ya very sad about


like you you can you you can never replicate that feeling again


ya yes, there's a lot of stages of, I mean from what I read of going through death, there's denial, that’s grief that’s anger, I'm not sure the stages lah but, it just a very tough


tough thing to go through and and and especially, there's no there's no , there is no amount of time, that you can definitively say oh you know I think after this I should be fine like it's, is different for different people


, you cannot judge them but it's a it's a very tough, it's very tough thing to go through and and and especially if, you have to, console someone who's going through it, because there's there's never gonna be the the right words


you can never say oh uh uh you can never say I I understand what you're going through, because the relationships where we have is different like you your grandma mine with, mine so you know is it just being there for itself lah but ya it's very sad


right it it's it's it's very easy to spiral out of control, you know with with with this kind of feelings


on the topic right is there is there something that going through is it something that is happening in the world right now that, like you feel very staunchly opposed to, and like you just like, you you need to voice your opinion on how, tragic and


and err


ya I think people I mean I I don't generalise but I mean most people, they will only like when when really times are hard they will only think of of themselves and the, and the the closest people around them


so you won't be thinking about like, like your neighbor the person who lives right beside you, do do you know what they're going through, I would say probably not when when times are tough, so I think you know it it it it's very easy to be selfish, it's it's it's very easy to just delve into this mindset of


no I I I just gonna to do what I gonna to do you know, and and and also on the topic of climate change, uh especially this very, because this topic is very broad so one thing that you you talk about is the, personal level the individual level but but but what about the corporations


what about the the higher institutions the the the oil company the the fuel company they they they are not trying to adopt, the zero carbon emissions by twenty, twenty thirty or twenty fifty if uh if if I'm not mistaken so it's just this


like we have to hold this, corporations to a standard that they they abide by because, they’re only thinking about generating profit and the profit is for us, if for humans so if we change, we don't provide the demand to them but but why are we not changing is is a sad truth


we all just want to be able to, live by our own, like the the, the standards that we are used to you know


so is is having more of these discussions and for people to raise awareness for people to be more mindful


ya because of the rising rising sea levels


ya it's just it's just the the the consumer (ppc) consumer mindset lah we we we just have to get out of it


so Syaffiq I I want to ask you so now that we are older right is there is there anything that you, you believing when you are younger but now you don't, like I mean because of, like childhood you may have a certain opinion but now that we are older obviously we make more informed decisions is there anything that you know change your mind


that was what I supposed about to say right


ya because you can never get the time back you know you can always make money but you can never get the time back


ya I think ya for me I I feel similarly because , when I was young I was taught that it was my parent's way or the highway as how you you know the the way they will describe it to me my way or the highway so


ya so when I was young I didn't I didn't really question them, I just followed you know, and I always think that they are right but then as I get older and I get more perspectives on things, is it it just a very weird place to be like confusion


and like you you just look like like disappointed because what what what I thought I knew then, is is not right is but then obviously I was young so now that I'm older I I'm trying I'm trying to always, balance between, not being disrespectful but also


standing firm and making my point and and obviously because you know when they they are still your parents they said isn't you respect but, at the end of the day we, we will always stand for the, uh for the for the, for the thing that is right


must always stand for the truth, regardless of who it may be, ya so I think there's one thing very tough


it's like if you can do this you can do that but no like they ya


okay uh on the topic of friendship right is there is there a time when, you realise that you had to end this off with someone that you were very close to


ya I think it's mostly uh, a a place where both both people want to get the same thing, and then obviously you know uh ego gets in a way, and then they will just, shove aside friendship and just go for for what they want so ya I mean if someone chooses to do that I mean it's on them it just shows to me what


what their priorities ah and who they are as a person, understand I, ya I


I understand to a degree I I think I think the the struggle is where once you invest, that amount at a time in a person usually I guess I mean from in my in my opinion I guess sometimes we drift to where oh because I put this amount of time I should be seeing this


but you know people where, where people grow up they change so you cannot expect, the same thing from that person so if that person changes and you don't feel and, you know like you cannot hold them to the same standard and then because you put that amount of time you don't let them go but sometimes you just gonna to let them


positive experience


the best place bro you know you you do know that I've been to, uh a few a few countries myself and it it it's, is very hard to choose is is like I mean if you are a kid then you have to choose your favorite I guess something similar but I think the best place


it will have to be Luxem because of the duration that I spent there so I spend one month there and it was by myself and I was below eighteen at the time so I was a minor and I travel there by myself to live with my cousin and then I spend the whole month


like in europe and uh fortunately my my my dad gave me a chance to learn german, so I practically like spend my whole month there you know, going to class and like I I I just felt part of the part of the the culture there so that's and and ya


I mean I want to say that but I mean if you if you if you give me a while I can definitely learn the learn the language and speak, uh <NEN> Yan


#guten morgen# ya, okay so <NEN> is my name is, then ya then he and and then okay so, uh lah ya so what you said uh #guten morgen# is good morning uh #guten ta# is good afternoon and uh <NEN> is good evening


uh I I don't know the the colloquial term for that bro, , but ya uh Luxem was amazing ah is I mean is europe it’s, but ya uh


was amazing ah is I mean is europe it’s, and like just see the world and, I think it's good lah is it it was a very fun experience for me


one thing I can remember I think the, like the buildings the lakes the swans, the the tree the the the railway station, the food, like the the Kebab is huge, like I mean the like it it really puts the Kebabs in singapore to shame


like I've never had I've never had, a Kebab like the the one I had in, loosen like it's eight dollars it's it can it can get you through morning and afternoon like it's it's that big, and and the portions are crazy is


paris, city of love, okay


right ya ya because paris is one of the uh, renowned locations you know it's quite popular paris


or you went up the eiffel (oh) !wow!


so uh do you go in the evening or, in a, I think evening is nicer right with the lights and all that


!wah! man, ya you've been to a lot of places in europe


right ya man, you can speak french I can speak german, let’s go man , definitely bro should definitely go there


honestly I, I mean I don't know like just like culture-wise I just want to go to morocco, ya it's like it's so ya but that that's the culture then I I want to see the people like I mean as I get older


rather than the touristy places you know, I just want to like be in town and like talk to the locals and all that and it it it just it just an experience that, you won’t get ah


oh yes bro the products they sell, ah, !wow! that’s the marketing strategy that they use I guess it goes well for them


okay so let's shift the topic so, uh what are the three things you’re most grateful for in life


[orh] uh likewise same


okay so first I have to give it to my parents, so I mean they've they've gone through a lot with me they they they made me the most happiest, you know like anything I can go to them uh they they they always supporting me and always uh give me that energy energy that I need


second I think would be my friends, because like every stage of my journey my my friends are with me so you cannot forget the people that be with you through thick and thin


ya my friends man, heaven and heaven and hell we go back and forth together, , I think the last thing would be my face, not to get too that that that way but but I think one thing to to have a very strong


like uh self, I think that's one thing I'm grateful for, ya it it just makes me happy to know that I have a centre, and to be at peace to to be always be eternally grateful for the things that I have, uh ya because


it's very easy to get depressed and all that but we want to stay happy, so it’s good to have a good, alright so first was parents


!wah! confidence I like it, , I can tell I can tell


what an invention coffee is coffee has helped a lot of people


coffee it's it's like a food is an art form it's a hobby, it's like it it's so varied you know like someone can spend their whole life learning about coffee and a different you know like it's it's really a an art it's not only food is an art form


ya I think that's the best way to encapsulate that ya it's like a cup, (oo) that’s tough favourite movie ah


I don't want be prisoner of the moment nah, but, !wah! tough man, favourite movie ah, okay uh why not now I shift it back to you, what's your favourite movie


!wow! Kungfu panda really, [orh] okay so it's about the lessons you learned


oh so you see yourself in that in the panda form okay, okay so like like do you ranking in terms of your best movie of all time or do you ranking in terms of okay that's the best animated movie or is it like in general the best movie


like is there is there a category or, [orh] okay, !wow! okay


okay I am I am a big movie fan so I guess that's why I'm struggling with this question I think, okay I'll give you my top three okay one would one would have to be interstellar, I'm not sure whether you seen the movie is about this astronaut


so he like the, the the earth is dying, so so this man he has a daughter and then long story short he has to he's a retired astronaut and somebody tried to recruit him to find life outside of earth and it was promise to him that


it it will be a successful journey, but with every movie there’s a plot twist and then you know it and then it's like some sci-fi things and ya it was just a very impactful movie like it it it it made you think, and then another would have to be uh


what's the one with the musical uh hugh jackman and, uh should the hugh jack, the greatest showman that's that's that top that second that's, that’s like, like the zac efron there's zendaya there's hugh jackman a very star-studded cast


nah nah nah you you can't go back, that's why once you pencil in you you cannot erase it, it's it's it's ink bro it’s ink you you got no correction tape


right ya okay , crazy man, my last , okay let's let's go to romance the genre I think I think love rosie love rosie


because is story is a is a is a story the narrative is about two friends, so like you know with every story like it's not like okay the someone better uh no no is not about a, like the girl uh she


fell in love with a rich guy and then the rich guy didn’t like, he wasn't the best choice then she went for the poor so it's it's not about that it's about the two friends they went through a lot together and then they eventually find each other, so and and also the the cast was studded so the uh it was lily collins


and there the guy I can't remember the name but ya lily collin was a very is a very good actress, so that so that's my top three, the novel is a classic so if you talk about classics there's the notebook there's titanic


there’s, for me I would rank Zoro cause it's a it's a childhood, I mean childhood of my, yes bro Zoro, he's given given kids a lot of hope


, okay bro what's the best what's the best meal you've ever had


it's like the best like if like your go-to food, never in doubt you will eat this, if money wasn't an issue if money wasn't an issue you can just get it like at your beck and call


nice


I mean it's not a contest ah bro is just your favourite


uh okay so just now you talk about puss in boots right, okay so then then the transition is okay garfield and then garfield love lasagna I I love I love lasagna, it's it's it's it's a mixture of, uh I mean is a type of pasta


and then there's like meat and then there's veggie like you can add anything on it, and especially when you put it into the oven you take it out and you see !wow! and the taste it just melts in your mouth bro, and it's so easy and it's so easy to make


I mean instant-wise instant-wise, of course but I mean uh beef is always preferred ah,


ya because it's still it's still lasagna, , no bro, you can add you can add a lot of I mean if you just give me vegetable lasagna obviously you have to add some more things lah


you can just give me that too, yes but I assume there will be more, like I don't know maybe uh, capsicum or mushroom


okay so bro we let’s end of with this what are the three things you admire about your best friend needless to say that's me ah so ya you can answer you can proceed to answer this question


what are the three things you admire about me, narrow one eight seven


oh , [orh] okay at least I give you directions in life bro in life


holistic view ah


that's good thank you for say, okay for you, okay so one one of the bad you are just a, I mean first thing one thing I admire about you is you are a human magnet, it's like it just seem wherever you go you just attract people


and you can talk to people from, like like many different places and backgrounds uh you you clearly don't have a problem in that of of of doing that so that's that's one of the top things I admire about you and then two is your loyalty ah, I don't think


I don't think you I mean from our years of friendship you’ve you've never backstab me uh the the friends that I've seen you around they’ve always uh hold you in high regard in terms of your loyalty


ya and last thing, okay uh aesthetic-wise, I think your fashion not bad lah, I give you that ah, ya fashion sense is not bad I give it to you, I give it to you oh


[orh] I okay I mean if if I may add on to the three point I think fourth is your confidence ah, you just have this uh like I don’t know where this confidence come from, like sometimes sometime you justify sometimes is not but whatever it is you can count on is this guy this guy is just confident confident to a fault


ya mine is morocco yours is oh you didn't answer yours, mine was morocco, [ho] maldives


ah okay so I get your plan so you bring your significant other to paris you make her fall in love with you again, and then you proceed to bring her to maldives, !wow!, that's how you seal the deal


part, one finance, okay so Yan do you have a habit of saving


twenty percent you save, okay, okay so like for me I've I've read in a book like somewhere that one should strive to save one sixteenth of your salary


if I if I'm not wrong lah, then uh, the rest (ppc) you can divide it equally but you should actually save like six months of your pay, so that if any like if there's any hardships that uh come to you then at least you have like some savings I don't know like what's your opinion on that


ya so so so what what did you do with your solidarity budget


okay okay so like, sorry what ya


uh, personally for me I I didn't have to cut off anything lah cause uh from quite I would say like a young age I've actually saved quite a bit so I have I had the habit instilled in me since young so it wasn't very hard for me to like cut out anything


yeah, the thing is like now nowadays I feel like people just they spend more than they earn which is the annoying part ya, do do you have like any expenditures though do you have like any expenditures that exceed your budget


okay okay so so cash is king lah as what you’re saying


for me personally I would actually like to get enough passive income per month to actually survive so a rough ballpark for me for me where actually be about six thousand dollars a month of passive income


that I I feel personally for me would be the most, uh the most optimal, for my living standards


ya, also like cause I I watch this video not too long ago which says that above that six K a month threshold, your happiness actually doesn't even increase


ya, then for you for you how how much do you want to earn in the future


okay then I ask you like your third point was to actually get passive income right, what what what are some ways do you think that you can get there you know


okay okay so for me uh ever since like, I think when I was close to ORDing from NS I actually started investing in, uh dividends


do do you know what dividends is, so basically dividends is like when a company has enough profit so they give back to their stockholders


ya so it's a, (ppc) ya it's basically a percentage of uh their earnings that you get back so, it's it's not very hard to get passive income you just need a lot of capital and that's that's the hardest part to get capital


so like, do you think you know you should own a credit card


and so like what’s what are like your pros and cons on credit cards for you personally


there were five years ago, okay, honestly I would ask my younger self to start investing at an early age, like, I'm telling you the stock of Tesla


has like triple over like, the past five years so, I think I will be well off if I were to invest in Tesla five years ago, know what I mean


ya ya it's it's never too young but you you, sometime it just, uh you you look at the markets and then you just think like I should have started earlier you know


then then for you for you what will you tell your younger self


okay okay then you say like you you shouldn't like uh indulge in expensive like food or what so where where do you draw that fine line between actually enjoying life and actually being like spendthrift, where's that line in your opinion


okay okay


then like I don't know to me personally I I feel like the whole nine to five thing is a scam, and like, you you know how, like a month uh one month in your whole, year you spent enjoying then the rest is spend working then the thing is a bit like out ya it's like where's the where's the work hard where’s the play hard


okay okay speaking about like post-graduates and finding a job so like recently like I’ve I've been trying to find a job, and there are few like insurance companies try to, you know get a hold of me so what are your thoughts


okay then okay let's say if don't speak about the insurance product itself lah like what if I was an insurance agent and I went up to you and said do you want to buy insurance, do you do you think it's a bit like a negative connotation is linked with it


okay okay ya, I I I think I think it's very, we we moving into a very different time lah, compared to like the days of old where you just approach people and then, they they will give you the time but now now I feel like people just


there's a lack of human connection, and then now we moving to social media more and more, so you know there's there's a need for change lah


I mean you have to look at the bright side you save a lot of money, so okay wait are are are you insured yourself


okay okay so you you have death insurance, but you have death insurance as a twenty two year old you have death insurance,


oh so wait you you yourself has death insurance that I was asking, I mean I mean okay lah fair fair enough you you ride a motor so you you never know when is time's up you know


but I I it's quite it's quite interesting that you have death insurance at such a young age cause for me personally I only have like hospitalization insurance, so it only covers me when I go to the hospital, actually it was planning on getting like critical illness


yea do you know like when the older you sign up for critical illness the more expensive it is


ya ya ya it is it is, then like are there, there's one company which I went for the interview it was, on, it was this stock where they traced the tech market and this stock like


quadrupled, in the past month you know, and they were offering like very attractive benefits like hundred and sixty seven percent return cashback


negative experience, okay Yan, I just have one question lah what is like one thing that angers you


like like


okay so so like like usually people have like more than like one pet peeve so what are your top three pet peeves


okay, ya fair fair okay okay


okay let me tell you my first pet peeve this in my ultimate pet peeve okay if anyone does this consistently I will ask the guy to square up cause it’s it's about to go down he about to piss me off, you you okay you know when you like have a plate in front of you and then you have metal cutleries and then when you cut like a steak or a chicken and then you reaches the end and then you keep cutting you know that sound


!wah! bro !wah! bro I'm about to punch a fellow in the face man, dude I don't even understand why they had that sound that sounds should be banned from earth


the sound is annoying, okay then, like the my second pet peeve is okay let's say you are talking and then I say oh sorry what, and then you say nothing


[ho] when you say nothing [ho] what do you even talk in the first place mean, is like is like, is like bro bro just just die, you know


ya then uh my last, uh, my last will be, , oh when you make plans and then you say oh sorry I'm busy, like !wah! you you make ya dude when


when you make plans and then after that you just like, #bai dao# !wah!, !wah! just just jump down the building lah bro, just stop lah just stop, ya bro, then okay Yan what what is what is your your fear your one true fear


so so are you afraid of being alone or death, so so it's it's it’s not uh it's not fear of being alone lah is fear of losing the people you love the most


ya it's it's very it's very hard to deal with death lah cause not not too long ago my grandma passed away so like, it's it's really


it's a very uncomfortable feeling when you you know, that you can never talk to the person again, and it's, is very overwhelming, when you when you realise, that person that you talked to and you


care for and you missed, terribly is, not going to be there you know I mean ya, ya it's it's it's a feeling I don't want to feel


and I don't want my worst enemy to feel that feeling bro, it's really it's close to being desolate bro


ya at that I think that the hardest thing is probably to how you can overcome that feeling, you know at at a certain point you have to ask yourself, like, what what is left for you, you know like how


how can you move forward knowing that that person is not there, that that to me is very, it very heartbreaking lah, especially when you when you lose someone you love and


the people around you, also are in mourning, so, it just takes a toll on you and takes a toll on everyone around you, when you when you're around like an atmosphere is very negative


it can really rub out from you you know, alright you have to you have to find things that make you happy


but when when the world seems so bleak, what can actually make you happy you know


actually ya there there are few like issues where, like I feel, things can change like people themselves can make a change but obviously they're they're not doing it one one of them is obviously climate change


like`, it it doesn't make any sense why people unchanging themselves you know, like one of my new year's resolution this year was actually to be more uh, more environmentally friendly


so, I started bringing my own tumbler or I start bring my own water bottle out, I bring a metal straw when I remember obviously !duh!, and is it is it this is minor like steps you can take on your own to actually help the world and besides you're you're helping yourself and your future generations


why would you live in a world where you're so comfortable and then like let's say your son or your grandson, is just, like dying at the side, what that that doesn't make sense to me you know


and also I like I I feel, like, how we market this problem, to the general masses is, wrong, okay we you I mean you can tell them how much trash we're throwing in the sea but


ultimately if we don't like go down to their level, and we actually explain to them what, personally can affect you, then obviously nobody will change


you you need you need to tweak, that awareness from, , like oh climate change is is real to how it will affect you at a very personal level, like, if I obviously any any tom dick and harry can tell you on the street [orh] you didn't know that


the world is heating up one to two degrees every year, it is very basic stuff, but then, or what if they tell you (oh), your house can get swept away by a flood next year, which one would


create more ya which one will create more of an impact you know in your head, ya, see that's that's that's the thing like I feel like the world got it wrong, but obviously at the at the end of the days is is us to blame lah


we don't have anyone else to blame, ya it's it's hard to get out of it


the the world wants to keep you in it but obviously you have your own brain think for yourself man


change my mind uh, uh well ya definitely uh, the the one thing that I noticed as I've grown older is that my parents aren’t a superman and superwoman


ya, ya they !wah! to see them grow old, as you grow older is, in in a way it's the cycle of life repeating itself but, then again you you don't really want to see them


you know pass away or, ya or like just become old you just want them to like you know freeze time, and be that's that what thirteen years old you're with them


ya you can also expend more energy you can always make more money but time is something you you just have to deal with it


then then for you for you like what what is


ya see see that's, that's the weird thing about, ya that's that's the weird thing about being like twenty two in an asian culture, it's like you're neither here nor there, it's like you have freedom but at the same time you don't


like in western cultures is very different it's like they get their freedom when they are like eighteen twenty one, but for asian culture is like, they they they kinda put you in a box and then they open the door for like


maybe twelve hours a day, ya but all ultimately you are still a cage anymore ya, so ya I I know how you feel lah I'm the exact same way


for me personally I I don't, like cause if I don't like someone, then obviously I wouldn't spend that much time with that person, it is actually really easy you don't have to hurt the person's feelings but all you have to do is actually just stop hanging out with the person unless you live with them then it's a whole different story but I don't understand how people like


go out of their way to backstab each other


no but I I don't understand where like, if you are not happy with that person just don't spend so much time with the person you know why do you have to, tell that person you know


I don't know for me personally it's really quality over quantity so I I don't care how long you've been friends with me, but if you’re complete uh, A word then you're a complete A word


positive experience, so you say you like to travel right


so what what what what is like, the best place you've been to like it's magnificent fantastic bro


okay


so so now now so now you’re german lah basically, okay okay ha okay, how how about how about how about you you give a sentence in german then


okay I I only understood #guten morgen# which is good morning so what was the first part you said


so so like what's what's what's the one thing you can remember about Luxem if I said Luxem what's the one thing you remember


ya so for for me right for me uh one place that I'll always remember is probably, paris, paris is a beautiful place I swear to you if you ever get married there is the perfect place to bring your wife bro she will fall in love with you again


I swear , ya bro, uh but the the thing is paris is not , it's it's beautiful but it's very touristy you know


ya, then I I went up the eiffel tower and I swear to you my parents fell in love again, it was it was expensive though, I'm telling you ah my wallet will felt very light


to where the the eiffel tower, ya ya ya we we stayed there until at night, cause I think it was winter that time so the days were quite short


ya it was cold bro it was cold, but then, I think I think two years later I went to amsterdam, and dude amsterdam was another amazing place bro but


ya bro I’m I'm just basically a europe boy you know you can just , just just call me a european, we should we should we should we should move to this country ah,


so what what’s what’s what's the one place you've always dreamed of going, oh morocco morocco is hot


you know honestly I there’s there's not a lot of things I know about morocco except their argan oil, I heard is damn good like, like I I heard if you put it on a bald man head he will grow hair,


, , ya so !wah! !wah! I miss travelling honestly I‘ve, !wah!, I just want to go overseas dude


three things are most are more grateful for probably first will be my parents, my parents have like, supported me throughout my whole life so I owe them very very much, and then like what


oh likewise okay ya so uh two more things I would say, err, !whoa! that's that's that's hard that's hard okay I I pass it back to you lah what are three what are three things you are grateful for


I mean I mean look look who you are talking to lah bro come on your friends obviously,


, , oh it


okay okay , okay okay fair enough fair enough K I I have thought about the two things I'm grateful for the other two things one one would, one was parents the other was my personality bro I have a charming personality bro


like, like bro the confidence is at an all time high right now bro, uh lastly, lastly I would say food lah, I’d I I I just love oh


coffee more specifically coffee bro wake up in the morning, bro coffee changed my life bro, like I wouldn't be able to function in the morning without coffee you know


I'm drinking a cup of coffee right now, that's how good it is, it's it's it's life


bro it's it's life in a cup bro it's life in a cup,


ya, okay how what’s like what's your favourite movie of all time ah


okay err, dude Kungfu panda bro, #kung fu# panda bro, it’s, is is underrated bro I'm telling you that movie, it's about a fat boy


trying to make his way to the top, that's me I I used to be fat man, it's it’s just me you know in the movie, look now now I'm a beast bro , ya of course bro


of course the thing is I, I don't watch a lot of movies


okay so, that's that's the only movie that comes to my mind right now when you say best movie, I say #kung fu# panda, ya I'm not a big movie fan boy lah


the greatest showman dude the greatest showman yes, nah let me let me let me let me change my answer that's the best movie for me the greatest showman


no no no no , dude dude my, my question was your favorite movie you gave me three I can give you three,


okay what‘s what’s what's your last what’s your last, (oo) (uh huh) okay so so this


this is like the notebook lah is basically what you’re saying, what a Zoro


you you mean the guy with the sword Zoro, I have never watched that movie bro, I I watched shrek though shrek there's puss in boots that's the closest thing I know to Zoro


the best meal I ever had, my go-to food err


you know you know how to say home is where the heart is, and my heart is with my grandma's cooking, so, that is my my all-time favourite food I I could eat it for breakfast lunch and dinner bro, hands down bro hands down my grandma's cooking unbeatable


I don't care what you say I don't care if you say like your grandma's cooking is better mine's better, I mean you you, , okay then what's your favourite food


so so I I, so I can give you like, I can give you a vegetable lasagna and still eat it


like vegetable lasagna and you eat it, you have a, you have a problem bro you obviously have a problem


you said you could eat it, so if I if I add more vegetables can ah, so if I add more vegetables on the vegetable lasagna you’ll be okay lah


, okay okay, then (hmm) ya


!aww! !aww! I okay okay, uh what are the three things I admired about you okay I will say your height bro, your height is just you're just one eight what one eight seven


ya you‘re you’re basically a walking traffic light lah bro, uh two secondly would be, I guess how you have some insight that I


if I didn't ask you I wouldn't get it you know, like you have a different perspective on what life is supposed to be, so it it gives me a more like open, view on life, ya ya is holistic


last uh last would be, I’ll say, uh you just a fun guy to be around you know, like you you don’t, you try not to dampen the mood you’re, sort of a people-pleaser lah


in a way lah in a way ya, K then then for me, oh no problem


come on bro , I look like a million I look like a million dollars consistently bro


see that's the thing if if , that's the thing if if you were to list out all the things he will admire about me the list will never end


so that's why I say limit three that's why, that's why you see like when you reach the third you add a fourth then when you reach the forth you gonna to add a fifth so you're never gonna to end bro,


K lah K lah then how how about, , eh do do we talk on the places we want to go, ya mine mine would be maldives


bro that place is like, it's it's basically the final stop after you married, like after you get a wife that that place is game over town


that's when you seal the deal that's when it's like game over town, you know, ya the the next the next time


is when you have a kid


part one finance, okay uh so Dashana do you have a saving account if so share your experience and details


not bad uh I also have two POSB account like one account is for me to spend daily lah like to go shopping like what you said err for like my cause have uh day I mean daily allowance right so that money will go under the for that account and then whatever money left


like if I want to save anything I put it in a second account so that second account is mainly for my savings I uh I have no access to it meaning no one has access to it, uh, unless I call DBS and say like I need to eh not DBS POSB that I need to like take out the money ah there's no card for it


and ya I only can transfer money and cannot take out money so ya though other account is just for saving then my other my first account is for spending just like you ah ya, okay ha okay do you have a credit card or debit card if so share your experience and details


eh


, uh I also I also have a debit card I think credit card if I were to have it I think I would have spend like endless amount and then I'll be indebted at the end of the day cause I know that I am not in control of my spending ya so that that's the reason I think ah for debit card right like


like, I feel it's better even though if the people may say it's not that safe because people can hack into your debit card then credit card you cannot hack mah cause it's just uh it's, from the bank itself so I I still prefer debit lah debit is from your own money is from your own savings you can just take credit card you must think later eh got interest to pay and everything so ya


okay so uh third question do you think couples should combine their finances and open a joint account if you have a joint account with your partner share experience and details


ya I agree I agree cause, okay first right I feel I also don't have a joint account with my partner cause I'm I'm not uh attached and I don't think I would in the future it depends on my partner you see if, if my partner is like committed like if I know if he's really really committed and I should trust him then ya I think I would because like joint if if you have a joint account you can check whether like you have set of goals lah like you and your partner can be like okay so this month we put this amount inside so that in the future we can have like


we can save and then we can pay for our wedding or like housing cause now housing also like quite expensive so joint account would actually, uh help couples who have goals but couples who like if the guy want to cheat on the girl then that one damn sad lah like we the girl will just be at lost like really or the girl will cheat on my guy is is pros and cons


so ya but I I personally don't think so it ya but at the end of the day depends on the individual whether they want it or not or they, trust each other ah ya okay so do you have a high yield uh bank account or a fixed deposit if so share your experience and details uh


for this uh I will answer like we both do not have it cause like we firstly we don't have monthly income for example uh DBS right monthly income will add up to like two thousand or more every month ah you need to have we need to transfer at least two thousand every month


ya and how much you transfer right ya, okay so at what age should a child be given an ATM card to manage their own bank account if a child has a bank account share your experience and details, ah Dashana and I don't have child don't have children but I think


uh I think you will agree with me lah that sixteen would be a great age for a child to start their saving account cause like when you start your child's saving account younger it will help a child uh it'll be a helpful tool lah like to teach children money management, and then it's a good way to set ah saving goals because at their


at sixteen they will be doing their O levels or N levels so at that age they will be they will reach maturity so I think at the age when you pass them or debit card or like saving account then they will think like okay this my age where I should think about my future cause the next following year already they will be going poly so it's a next step for them you know


ya what about you Dach


ya, correct correct


ya I agree okay, ah ha so for cash back points or miles which type of credit card do you, think people should be using I think personally cash back lah cause cash-back credit card can help you simplify your finances


uh earn rewards on like shopping and spending there's shopping spots I mean shopping perks as well lah and then they also offer like sign up bonuses also I feel that uh bit like based on I mean like compared to points and miles right like cash back have like the whole package you know


to what I know lah what what about you


okay uh


okay I agree okay so what is your experience of purchasing investment products example unit trust fund unit trust ETS from bank if you have such experience share the details,


, ya I I have the same knowledge about it I don't have much knowledge which I feel uh, a bit uh upset about it because I I should be knowledgeable but


for now I don't think I I have any experience or like ya knowledge okay the next question some may argue that bank interest are unattractive whereas others may feel that their money is safe and accessible in banks in light of this would you save your money in a bank or invest it elsewhere


uh I think, I would definitely save it because like saving is putting aside your money bit by bit then where you will be safe you know and then uh additionally you can also like earn interest, annually so like you okay lah like you won't you won't be scared you know thinking that okay if I invest my money right will my money be gone cause when you save is already there and then it will add up slowly yearly ya what about you


ya because it's a gamble right like if you were to invest it then you will think eh, what if like my the shares go down or like what if like the the outlet is not make good making good like if it franchise or something then if you invest, I I just don't I just don't agree lah okay so next question what is your experience of getting a loan


from a bank if so share the details ah of your bank loan ah I've not uh I've not get gotten a loan but I know that my friends have gotten a loan from the bank to renovate their house uh around hundred uh around a


certain amount lah K so that amount I I feel when I did the, calculation right it wasn't that great like when I realise that after they after the whole month I mean after the whole twenty five years that they are given to repay back the money right


ah is more than they actually uh asked for a loan so like they ask for example they ask for a loan for example like three hundred and fifty two thousand and then they have to pay more right, ya what what do you think


I agree okay so do you prefer to use cash or go cashless when paying for goods and services if you prefer to go cashless do you share your experience and details


ya,


I agree ya ya I think for me I would definitely go cashless lah cause like you see ah if for example if you like now right if you you don't have to bring cash around you so like if you go McDonald's or anything you can just, like Apple pay or just just just a click away like you don't have to worry eh I forgot to bring my card


or I think it depends lah if for example mama shop or anything they don't allow like, PayWave or they don't allow uh cashless payment then that one a bit hard but for outlets that allow it right I I I'm like I feel like it's easier and way better like you feel you feel more free you can just double tap like double click your phone


and then you can pay wave already like you don't have to worry eh I forgot to bring my card lah I forgot to bring money it's all inside your bank already, uh I feel like even now also like with COVID and everything right like I think it's better to pay wave lah instead of carrying the cash then the bacteria and the germs


ya so I think cashless payment, is the best lah okay what's the next question uh, sorry ya, uh, okay if you received a big windfall would you do it with uh this windfall


uh okay never mind it's okay we we go to the next question do you have the habit of saving, do or how do you ensure you meet your saving goals


that's good that's good ah for me right I feel like I I I I did, better in when I was like, uh in secondary school now I feel like I've gotten worse but I still have the habit of saving lah, so now I do is I I gather my allowance and my pay from work okay so I I will like


distribute money money to like like my bills like I need to pay Spotify lah Netflix iCloud all these thing right and then phone bill or anything I have to pay so I have will put the money aside those leftover right I divide it over like divide it, and then the I will divide it in two so the balance all up like


ya the balance I will put in savings and then the others I will just use it for my spending lah, uh ya it it's been working so like great so far but I do like whenever, I go shopping anything right I tend to overspend so ya my savings will just be like gone okay


err what's your one what's one financial advice that you would give to the you five years ago


I think I think like it's like the opposite the other way around because like five years ago I could I could save like a lot now we as I grew older right I got more needs mah like I've got like eh I want to buy these lah that lah so like when I ya so it it can reverse the question lah I


would have said that I will tell my like the five year ago five ago me right will tell the five ago me now, , that I should what what you say lah like I should save first before spending cause last time I was very like saving uh I had the saving mindset lah ya


ya ya one red button okay


part three negative experience, okay uh discuss your favourite your least favourite bubble tea with your conversational partner and uh you may


refer to the following pointers for your answer so what is your least favorite bubble tea


uh~<B>


I I I I felt sad cause like I spend a uh uh I spend money on it and then ended I didn't yet to like drink it and finish the the milk tea but ya lah like what people say like don't ever mix the two favourite thing of yours like favourite food or whatever together because when you combine it it it just the worst taste I've ever tasted lah


in my life okay describe an item that you bought which became damaged or not functional after a short time and discuss how it made you feel


uh oh


I don't know I think her battery died I think her battery died ya i think so


okay she's back


ah yes mine also okay you were saying ah he came two weeks later or three weeks


a refund ah


uh I ordered this shoe from JD and then I ordered Nike shoes lah


okay and it came it came later than I expected but when it came right as soon as I opened the packaging was damaged you know like damaged like it looks like torn uh I mean in my, back of my mind I was thinking no wonder lah so cheap cause it was like really really like tall and then I took picture I send I send the the company I I sent them an email about it right


they were like if you want to refund I mean if you want to refund your your I mean want to, uh exchange your packaging you have to go to like the store itself to go and exchange and then I was like what and then after a month right I I only use cause I was busy at that time so I didn't use the shoe cause I use I bought the shoe for running so I only use the shoe like after a month purchasing right and then I realized at the side lah got like it's torn


and I was so angry and when I wanted to refund it back cannot what because need thirty days, and !wah! I was just pissed off lah because like I I I bought okay lah it was a reasonable amount of money but I still purchased it and I expected it to be you know in a good quality but it wasn't lah so it's okay okay moving on describe the skincare product or


brand that you will avoid and why would you advise others not to buy it or use it, <B>


uh, uh okay for me right I feel that, uh the the ones I mentioned earlier like Pixi and Ordinary lab like everyone was waving about it on on uh Tik Tok like everyone was saying like oh it's very good it helps your skin


I think I may have purchased it of a like I didn't purchase it from the the out the website itself in the Ordinary websites itself I were purchased it from uh a local shop because like they like you know support local businesses and everything right so I went to went on Instagram to find


and then everybody was getting it from her so I was like okay lah I should try but I don't know whether it's the real product or not but it really made my skin worse more sensitive, and I read like the ingredient for Pixi right like has alcohol so like


I realise that ya it it when you see alcohol already is like nah like it's just going to make your skin even more worse lah okay, uh, okay you decided to lose some weight you sign up for gym membership describe the negative experiences that you have with the gym uh I feel that I I don't have any negative experiences it's just that


oh sorry okay never mind it's okay I just don't have any good experience with gym because of like the ones that I mentioned earlier lah like I would I feel insecure and I feel like personal trainers are scam mainly because you know why you can actually go YouTube and like


find everything on online like you can find like, how much you like uh how much calories you need to eat per day like you know all these are, found online and you can find it in a app also there's this FitTrack at right then you can just and is only like what uh


five dollars per month eh so like if you go for a year right you will be spending lesser compared to a personal trainer okay I agree that like personal trainer will give you keep you motivated will keep you on track, it depends lah if you have self-discipline than ya go for it go ahead with a personal trainer and a gym membership but I know that


I just don't want to spend a uh, whole some of money on useless like I find it useless lah so that's why I didn't really purchase it how about you


just discriminate her lah like very discriminating


ya I agree okay , that's good that's good okay so describe your worst staycation or holiday in a hotel


you may refer, to the following pointers ah do you want me to go start first, okay so I actually okay I feel like by the price ah you see the price already you know like it's a scam like you will know that the the customer service the cleaning services and everything it will be just


just according to the price that you actually pay for okay so my cousin and I we it our ya our birthday okay last year and then we plan like okay lah we do staycation for our birthday okay cause her birthday is on september mine in october so we just clash it on one day like just do together lah


and then okay repeat repeat this is particular hotel which I don't remember the name but we paid like uh two hundred and ten so each of us we paid like around ninety around that ninety or, ya sorry my maths fail but ya occurred around the area lah around that that amount so we paid that amount okay it's a it's for me who two hundred and ten for hotel I feel that is it should be


like it should have quality lah okay two hundred ten is still like okay at least you don't never pay ninety three dollars for a hotel that one already like cannot make it so when when we went inside the hotel it was nothing like the picture shown you know like the picture shown like


!wah! like very classy lah in the hotel right it was so small, and then we check the feed ah we was like ha we like then we even like explain to the the receptionist and ask lah like the fit is not according to the the one that we purchase uh that we books online and then they say oh full booking or don't know what lah they were like trying to uh


uh ask, say that we can they can compensate or something like that then I was like no I just want to a big bigger rooms to what we actually paid you know and then the toilet got okay one night when we stay there for one night ah and at night the when we were going toilet


there were cockroaches and beetle it was really it the experience ha like, !wah! I would you know it really scarred me to a point where I don't want to go to any to any like hotel in singapore anymore I mean to those kind of like cheap hotel lah like compared to like MBS and all I mean of course their services are much better but


that hotel really really scarred me lah eh I really gave a very bad review how about you


!aiyo!


ya like fake right, !wah! !chey! ya


mattress oh my god


complain about it ya oh my god ,


ya , ya, ya, the data roaming right ya ya


okay describe an electronic uh device example smartphone earphones watch that you are using and discuss whether you are disappointed by it you may ya okay you want to start first


(mmhmm),


ya, I think uh I would say like my laptop that I'm using already cause like okay I I previously had a uh, , I had a laptop with different brand now I'm using Dell right okay, for its price is I feel like it's overrated K compared then on on top of that like the function okay it's a bit slow K and then when I charge right like okay for example I charge it like for one hour I can use it for only thirty minutes and then it will die down ya


and I just bought this laptop you know and the fact that the the battery life is like this short ah because the my previous laptop, I could use it for like two hours and it will still be like in good condition which I regret lah like that that laptop was like my baby it was really a great uh laptop like I felt more comfortable like this laptop I mean even though it's new and slowly it will get comfortable with it


it's just not as great as the my previous laptop ya, so ya okay , , okay describe, a moment


when you have a negative experience with a customer service agent over the phone for a product or service, you want me to go okay can uh, uh I think, the the the one time that I experience and then I think I always experience this is where I actually called up


uh, which outline ah hotline uh, I think Singtel okay cause of the the wifi okay the wifi was very bad it was really damn bad I think that day like it was just like a not good day for Singtel lah because like uh I think everybody was calling about it and like asking like what's going on and anything so when I called right the cut the


the customer service agent didn't okay firstly when I was uh explaining my problem, he was not uh addressing the issue, he was just telling me asking me like a lot of unwanted questions which is not addressing lah the issue cause I already gave him my, my phone number my name my because like everything is under my dad's name right so I have to give his number his NRIC and everything you know all the particulars everything I give already so he didn't really after giving everything right


he should address the problem right like okay so what how can I help you today, I don't know lah he was just talking a lot of nonsense like I was asking him how to like like troubleshoot and everything ah he was just not very useful in helping then uh on top of that like my dad


got got on the phone cause like , he was he was uh causes I thought like my dad can answer better right but apparently he was even more rude lah to my dad and my dad is is like not very how do I say okay lah he is more aware on how to like troubleshoot and everything cause he does this like he likes to do all these right so when ah my dad was trying to explain like oh the yellow the


what ah the you know the wifi route it it shows all red ya ya the the it shows all red it shows all red so it's supposed to be yellow right ya uh green or yellow ya but it's all red so we were try to explain to him then he was not trying to understand us lah even though we troubleshoot we off and on again


it was so frustrating to a point when my dad asked for his now his phone I mean his full name right like his name ah he didn't want to give my dad eh he was like no I would not give it to you he straight up said that to my dad eh and I was a bit shocked that they he actually got the like you know


he was very like uh confidence to enough to say that because like you know you can trace back the call and like find out who who answered his call right so I was like a bit shocked lah that he actually did that cause when he when my my dad put him on speaker and he said no I would not give you I was like what I'm like first time lah I hear all this ya ya one red button


part two, positive experience okay, okay uh~<B>


gotten like uh one positive experience with a customer service agent over the phone uh for product lah I was getting a Samsung earbud for my dad like I think three weeks ago cause he was his birthday was coming, uh so I bought this thing online right the earbuds online and then when I


buy it already they never send me any confirmation ah, ah email nothing you know like they just they just like went to refresh the page and then go to the homepage then I was like what then my money then I went to my POSB goes check, they they deduct the money then I was like don't tell me I Kena fraud or something you know ah but then when I called the customer service agent from Samsung she was very nice to me I even though I was panicking right like I was speaking I I agree I was very I was blunt lah I was not very polite cause I was panicking


but she put me on hold for like five to ten minute she told me she will get back to me I I didn't worry about the waiting part cause like I was panicking right I just wanted answers, I I only worried that she will just hang up the call on me cause most customer service agent would do that to me , so I waited and then end up she call me and then I mean she ah un-hold and then she told me that


that my order is still ongoing and they will send me a confirmation email twenty four hours later and then I was like !wah! sigh of relief man because when I check under the Samsung account right they said that there were no order nothing and I got so scared


so I was like !wah! like good lah then the next day it really came which I was happy cause she was very nice she took me like even though I was being blunt and then she she realised that I was panicking lah, so she talked to me very nicely and she like handled the situation uh better lah in a better way cause I know some customer service agent would be a bit like lost and confused which I don't blame them to be lah what about you


ya, I think it's good it is good okay so


describe a time when you had a nice dining experience and you gave positive ratings to the restaurant I think uh both Dashana and I can agree cause like uh recently we went to this restaurant okay is a indian restaurant what's <NEN> we went there to


have lunch and then uh we ordered I mean the the waitress and waiters were very nice to us when the main we we came in they took our temperature safe entry and everything and then when we went inside like when we ordered they were when


detailed with the explanation when uh we ask certain questions about like certain food and everything they were very detailed and they were very polite lah I means the even though it was crowded right they still took the time to actually explain to us which I appreciate it because not most waiter waitresses will actually


care bother to do so so when they were explaining uh we ordered and within five to ten minutes they came it uh like the food came in it was, hot it was in not cold you know you know some food they will come in cold cause like they be waiting for they will be waiting for your food I mean some customers will like uh cancel their order so that food already will be ordered there and then they will be left there right but


for this like they actually reheat the food you know make sure that the food is hot which I, truly appreciate lah and the food was scrumptious right like it was very delicious right Dashana, and it was in a conducive uh environment


K that's good ya okay so uh question number three describe a time when you called the customer service hotline of a telco and, because you were you encountered some problems with your your telco subscription what was the nature of the problem and how was the experience and interacting with the customer service agent which had a positive impression


for me is I had I called uh M1 cause I wanted to change my phone my phone was in a bad conditions and my contract was already ending but my dad was in overseas, so and it was very hard cause he was at europe he was in europe and then singapore timing is different right so whenever I contact him trying to ask him like can you help me out everything I mean cause he's busy with his meetings so I couldn't like


call him and talk to him so I had to like call M1 personally and ask lah like ah I was under twenty one at that ah at that point of time so so it was very difficult cause, ah I need his signature and because is the contract is under his name right basically I need his signature to come down he need to virtually come down sign in order for me to change my contract and get a new phone


so I was in really desperate need lah but the customer service agent was very nice like he he understood my situation which I which I, don't really get like that a lot from other customer service agent like he assessed the situation he told me that okay we don't need your dad to come down uh virtually he can do this he can do that


ah they will send out a email then he can then my dad had to call for confirmation and stuff like I appreciate the effort that he made even though there was a lot a lot of hassle that which like he could have just told me like !aiya! just wait for your dad to come lah come back and then like you know I mean


ah that will be a easier choice but he made it very, easy for me even though I know it was a hassle lah cause he had to send out email he had to send out letter ah had to call for confirmation and everything so I felt like it was a really positive impression lah it made me like realized that !wah! not bad ah and then at the end of the call you can give ratings so I did gave him a very good rating lah


at the end of that M1 call ya, okay so next question, uh, uh, okay discuss your your most favourite bubble tea with your conversational partner you may okay ya so what what is your most favourite bubble tea


uh, I like honey milk tea from Koi as well like I like the way their


their cup design I don't usually don't get but I mean pearls or toppings cause I when I drink right I just like to drink the, the drink itself I don't like the pearls and toppings I don't know why if I used to like it a lot but then now I stop asking for it cause I just don't I just like to drink the drink itself lah ya and then the I feel like the waiting time also very efficient like got one side for queuing then one side for like queue number you know


then they will pull out your queue number then you can just come take, and then Zao you don't have to like you know keep waiting and thinking where's your where's your order where's your order cause you already have the your receipt and the queue number is already in your hand so I feel like it is good lah and


it's very fast lah I don't I've never waited more than fifteen minutes or twenty minute unless the queue is very long then I don't bother to buy lah because it's very popular ya, uh, uh other than that I feel that uh the innovation and promotion is very good and quality of money is also very good like it's not that expensive I feel like compared to LiHO and other kind of bubble tea shops right outlets right it's much cheaper


ya how about you Dach, like the the price is too much right I feel like is to overrated already lah like ya okay


ah ya ya ya they also have different perspectives lah, ya okay so describe a product that you bought which lasted longer than its expected lifespan and discuss what you like about this product


you want me go first, okay ah I bought this I bought clothes from H&M and even though like a lot of people rave like they all say that oh the the pricing is very bad I feel that for the quality that they actually provide like H&M Uniqlo and all right it's very even though it's


the price range is very uh not that expensive but okay lah it's moderate I feel that the material that they provide is great cause like it I still have my Uniqlo and H&M clothes right from two years ago and I still can wear it cause like the material still last


uh very long and, I've never like experienced anything bad with uh, an clothing like a clothing from that outlets ya what about you


oh serious


<B>, ya I agree okay so describe the skincare you are using and why would you choose it over the


ah type other types or brands or skincare


breaking out ya ya, I agree


for me I I I I have very sensitive skin so it really took me very long to get a proper skincare at first like like for example I tried Pixi those kind of high branded uh skincare routine I I went to follow Ordinary as well uh what else uh


err, there's, uh Fresh also Fresh was very very light on my skin, means it helped my acne but it did cause a little breakup lah cause initially like my face is not my skin is not used to it right


so I I was like okay lah just let me use it for months see how it goes but for Pixi and like the other products that I mentioned like like Ordinary and stuff right they actually caused a lot of break up for me which I didn't expect cause I was it was actually healing


then I went to go and buy those other products to to see whether like okay can my face take it or not end up like a week later I started breaking out everywhere and it was very embarrassing cause the the following week I had, uh like wedding to go to, and then !wah! it was really like crazy like I had like big acne scars and everything tried to tried to cover it with foundation also cannot because you know why the bump is too big right then you can see through photos and everything then everybody like kept asking me are you stressed


then I'm like oh my god no but ya okay okay uh, uh you decided to lose some weight and you you sign up for gym membership describe the positive experiences that you have with gym you may refer to the following okay for me personally I don't I don't agree with signing up with gym membership because I feel like it's a scam but


I know uh my fellow mates like my classmates and everything right they do have gym membership uh is the ActiveSG the one that they have every like twenty four hours where you can go to the gym eh not ActiveSG the, what is it called ah the gym that is twenty four hours one


ah Anytime Fitness ActiveSG yes Anytime Fitness ah so like they said that got a lot of benefits lah but it's just that at any hour of the day like everybody is there like especially in the morning like eleven AM is packed, like crazy packed, and I feel that like the the gym


okay lah it's a place that you can go but I just don't feel safe cause like, I feel insecure because I'm a I'm a girl right so whenever I go I see all these like like, built like muscle muscular guys and then the girls who are like all so fit then they got muscle and everything I just be like so insecure I just be like I'll just turn away and be like nah it's okay and I know a friend who will go like at four AM because he's very insecure right so he will go work workout there at four AM because there will be nobody there


ya I I think it's a great idea lah but for us females want to go at four AM and to ask our parents for permission I think like uh it's a no-go how about you


part one finance okay, okay so for me I do have saving account I have actually two accounts one account is uh basically called uh the POSB kids


trust account, this account actually has like, like my mom actually uh apply it for me for my future need so every year should put in a certain amount of money, so , this would actually will help me for my future if I want to have a degree or for my housing when I'm older


this can actually really helped me for the future needs and also I do have another account that is basically for my travelling my major expenditure lah for my, travelling or if I want to go shopping I can use the money but however if I have extra money from my monthly allowance I would put it in my piggy bank so usually my mom will take my piggy bank at the end of the year and she'll put the money into my trust account so that's how I save my


account how about you <P2>puja</P2> nice okay K


okay uh for me I don't have a credit card however I do have a debit card, for me I don't actually uh think credit card would be appropriate for me at this age because firstly I'm a student I am not earning


and to have a credit card I feel like you need to have some self control and you need to like have to, organize your money issues because uh credit card is you can buy anything when you have a, credit card like no matter how much is it so sometimes when you just really want to get a product you just want to get it right you can just use the


credit card but at the end of the day at the end of the month you have to pay right so it will be quite difficult if you can't, afford it however for a debit card you can purchase something that you can afford, so I believe that credit card is something that


uh maybe older people can use or people who actually knows how, to where prioritise their needs lah, uh I do have a debit card, uh, I usually only use it uh, for my shopping


I don't really like to, use cash so I do have a debit card, ya how about you okay


okay for me I don't have a partner so I don't know about this, but however in my opinion I really I feel that couples should not combine to me lah but it's up to different people lah because for


for to for couples to, join their finances and to open a joint account, it involves a lot of trust and a lot of commitment so , if your partner is and you are like strong and know how to prioritize money and know how


to equally put in money towards it it will be very good for future purposes but, however, I feel that I wouldn't want to joint accounts with my partner just because I feel that, I want to I want to see how I


uh save my own money and invest you know like I just want to know how I earn like just for, uh self like independent you know like to keep track on how I save because I don't I don't like to depend on my partner I want to be


my own you know ya, how about you


ya so like if you put in like less than two thousand or around there right your interests will be only zero point zero five percent however if, you put uh more than two thousand uh it will be the interest will be more lah so the more you put the more interest you get, so it depends on how much you earn


it will be benefit ya correct, so


ya I agree with <P2>puja</P2> I feel like sixteen would be a right age because I feel like uh, by now uh their parents, or their guardians would have already thought of savings also secondary school of course there will be like programs teaching them how to save money and how money is very important in the future uh so I believe that is the right age and also uh usually sixteen after their exams they would have to go for part time jobs


and jobs would require a bank account so that they can deposit I mean they can put in the money and they won't be giving, cash lah so I feel like once you have a account I mean like ATM card they will have some, self responsibility lah like you just feel like oh now I have to take care of my money I cannot be depending fully with my parents so I think that is the correct age to have a ATM card


ATM card sorry, ya


okay I feel that cashback would better, compared to points or miles depends on people but I feel that usually a lot of people would prefer cashback lah because , to for points right it's more on rewards and some people would not like the rewards that they are providing like they prefer cash because is up to individual people cause cash you can buy with anything gift is something that it's up to your preference so and for miles I feel that miles is only for


would be great for traveling purposes, and cashback is something great lah even if you spend a little bit also right you can get cashback so the more you spend the more cashback you get so I feel like people should use cashback


uh I don't have such experience with purchasing investment products but I just know that they had their insurance for banking lah what about you


ya I totally agree with you I feel that uh saving your money in a bank would be really safe even though the interest rates are very low and not so attracting at least you know that uh


your money won't decrease unlike investing investing is like a gamble it's either a good thing so if if, your shares are high or anything obviously you will earn a lot but however it goes down your money will drops


so it's a huge risk lah if some people can handle it then good for them but for for me I would stay in the safe zone by putting my money in the bank ya, ya correct


okay so uh I feel that loan is something that you have to take seriously about and you have to see uh in various uh places because, each bank they will give uh different type of interests and you have to see the lowest type for your affordability because loan is something that you you don't have money for anyone to


uh get a loan which is good lah but at the end of the day you will eventually have to pay more but is just that how much is the interest so you have to be mindful of that so I in the future if I need to get a loan I would, see look at the interest before making a decision and I will look at various places for it


ya, okay uh this question


I would, actually it depends I, for now I honestly prefer to go cashless when paying for my goods and services because I had a experience because I lost a lot of money I brought like about uh let's say uh two hundred dollars like that I lost


fit already so it's uh it's very sad because I can't get it back unless if you lose your card right you can actually just cancel, call and cancel it so it's more safer that way, but I would go cashless because


, because it's easy and it's more of a like, like you cannot , go wrong with it lah, unless uh it depends lah if like uh cash is something, if it's for a small amount I don't mind paying cash but if it's for a huge amount of money I would rather pay by card


you get what I'm saying ya, ya right ya yes


okay for this question is usually okay so, when I was having my attachment for my poly I would actually receive monthly money so uh what I do is uh when I get my certain amount of money I would uh I would actually like take one or two thirds of my money to save


I will set it aside first, and then I would use my one third of the money to do my important, , I need to pay for my bills so that that part I would spend and I'll see my leftover if I have so if I don't then I would use it if I have


then I'll use it for my normal like if I want to go shopping I will use that money but, firstly I would save, before spending that is my type of saving goals I would save first, ya, that's how I made my saving goals, yes


I would say the same thing I would say to save first before spending because five years ago when I get my allowance I'll just spend and spend and spend and I would depend a lot on my parent


once I have this mentality thing to save first and spend right I actually spend, exactly how I needed to spend because when I spend without saving right I actually buy things that, require uh that I actually don't need I buy more than I actually wanted to


so once I started just like putting aside of my savings right, it's very good because I don't have to depend my monthly allowance the next month you know I can use my previous monthly allowance that I have left over, so uh it goes on and on I was had I I actually saved a lot from it which is very good lah how about you


okay, ya red button, press ah


part three negative experience


okay my least favorite bubble tea would be the cheese milk tea, by LiHO because I just feel that cheese and milk tea don't go well at all plus with the pearls made it very bad and I just feel like every time when I go LiHO and buy right the pearls are just very hot so I don't like like it at all also the


uh how to say it for the money-wise right it's too expensive lah for four dollar and ninety cents around it was around there lah it's too too expensive for me and at that point of time it's only one size so and that size is already very small not the large, cup you know it's like a small cup so already uh adding with pearls already right uh your product is really less already


but however I didn't even like the product so, ya I wouldn't recommend I like cheese I like milk tea but to sometimes, when you combine thing it just doesn't go well you know ya so I don't like that how about you Pooja


okay so like I K I bought from these uh shopping place I mean I shopping online I I went online shopping from this uh app so uh I already like purchased this thing called fast, delivery so usually fast delivery they will deliver faster than normal delivery like one to two two days it will arrive lah


but uh so, I paid for it so it's a yearly thing so you paid like about like twenty dollars, per year however when I bought a watch lah so however it came after, two weeks so I'm a bit already upset because it came in a longer period cause I supposed to get it for like for my friend's birthday but oh my god


hello okay so sorry the thing just shut down, okay, ya it just shut down like that I'm so sorry, okay ya it's recording ya okay ya ya one hour plus correct sorry yes correct


I was saying okay oh ya so I so uh, ya so it came two weeks later right ya uh already I was, upset already because I supposed to give it to my friend for a surprise but her birthday over already so I have to give it for her birthday her belated birthday does this


present so I actually checked it out right it wasn't working, even though I got like, but I didn't get the warranty but at least like if you buy something a product right at least you need to make sure that is working however like I


like want it I wanted like I told them that I want , I want it back and a refund but like they didn't even get back, to me so I was so pissed off then I had to go to the the watch shop and they say the battery wasn't working so okay lah I mean battery is fine I thought like the whole product was bad but the battery wasn't working but I just feel like


it uh that that, personally that they should like monitor this kind of things before sending