so if let's say there is a now now there is, up and coming like a robot advisor for you to invest so will you want to, because like for you for yourself you don't have much experience so now there is a robot


who is more experienced than you, I mean I I I don't know lah because personally I have


experience in investments so, of course I will definitely uh I mean I don't mind to to to check it out how how how's the features and how the performance, the robot advisor can advise or or or give us a better returns so


I don't know if let's say is is good I I can try


okay so personally you feel, you still prefer a a human touch person to to give you advice to invest lah


can lah so uh anymore you want to


part three negative experiences, ya, okay maybe !huh! sorry


I start first ah okay lah so maybe I will share about uh what's, make me stress lah, okay so for me uh, stress, mostly I will say mostly is in in the in areas of work lah because in my area of works I need to uh


achieve a certain, like performance monthly so for that I need to uh, scheduled schedule my my my, my work and activities and also, hope to achieve the the the targets given by my companies lah


so for this I always will think of area other areas on how to improve or how to achieve the the targets lah so is is, it's a constant whereby I need to, keep thinking about it how to, err


how to achieve achieve the the targets lor so one thing is, , sometimes like in the area like we need to uh meet a lot of, people and then sometimes there is a uh moment whereby we are not doing well so


that's the time whereby I have to think, positive to pull myself through that hoping that uh next next uh, appointment or maybe uh next month you'll be giving a more positive, uh sales uh so


and also I think other than work, in the past is is in the studies lah so that one uh I stayed in , , ya so maybe you can share Fangchi


ya this one I I understand lah, ya I also have go through it uh before so I will, advise that is, not to look at it too much lah most of all the only, thing like, limit us is ourselves lah so if you can improve yourself definitely you can


do better lah so, there's no point in uh challenging with other people lor, ya so even if you can win, the person doesn't mean you can do well mah


okay so, uh maybe you want to, say that what do you often worry about


maybe maybe you can share with me like uh , I would say nowadays people are more often worry about maybe like I said uh finances or maybe finding a proper job, or or how how to


ya so basically you worry that you don't know, what you want and also the the uncertainty lah


okay for myself, I usually don't have much worry lah, so if you want to, say about worry, (hmm), probably is the, how would I say


worry about err maybe, good health uh I don't know , ya so because like, like in our like you mentioned our this uh environment, and uh also err


how to say , because right right now this COVID situation right any, any people or person can be infected by this, uh virus lah so we do not know, so you need to continue to practice uh this good hygiene to make sure that


ya we're not uh affected by this thing lor, ya because once we affected it can be, affect a lot of areas in our lives ah, ya so, for for this thing right I will usually try to avoid


crowded places and make sure that I wear the masks, and also to keep healthy lah so I need to exercise regularly, to boost my immune system yes and with some supplements or this lor


ya so, for this, for this thing right even though this uh COVID-nineteen is is uh affecting a lot of people but I will still, stay uh positive about it lah so not to worry about too much so that it will


affect my my health lah because we will keep thinking about it, then you may not , you may not know that eh actually it can happen to you ah, ya, so I will try not to worry about this thing and


to stay positive lor


correct I mean we will can only build, correct lah I mean we we can't change the environment but we can change ourselves lor, ya so so that's the thing whereby we can work on it lah other


because other areas we can't do we we we we, should not uh spend too much time to think about that lah


so is that uh next thing you want to


nevermind you say the the one, which have the most impact to you lor


for me is err I think is is, quite, similar is that of course we we hope to chase back time, let's say our loved one is still around lah, so, of course we for for uh how to say is you have to learn how to appreciate things more and also to cherish our times back with our


family members, and also try to care for for each of them lah because like you know, like when we are out in the, when we how to start work, in the outside world we have to focus more on work or <B>


there'll be a will be a time whereby we spend lesser time with our family members on this thing lah, ya so we must learn how to, manage our time and, to be more appreciative or what, our loved ones do for us


and also, to really uh to have more, memorable occasions, so that we'll like you say lah we won't have uh regrets lor uh we have more happy times, when when our loved one is still around


ya so like you say once, the thing happens then we must learn how to uh, move on and carry what we regretted, and, to let us to become better lah, ya to also to continue to to show love to others people so that we won't have any uh regrets lor


err, maybe you want to say describe a time when things, turned out not meeting your expectation


okay then uh okay for me is, moving to another uh new company lah, ya so and I thought that uh moving new new company which will give me uh a better uh job opportunities, and better supervisor right


ya and also it's turned out that eh, this supervisor is even more worse than the other one ya, so, ya so sometimes we we cannot control this uh external factors lah, so we need to move out as in


how to move out of this place and get to a better environment or better working place for us [lor] correct so (uh) that's that's about it [lah]


part two positive experiences


for me the most memorable uh, travel experiences I believe it will be uh, going to uh US company trip with my colleagues, uh ya so we've been there for a few countries like err


like LA like #san francisco#, uh and also uh Hawaii, ya all these countries lah so all these places, uh with my colleagues we we we we really enjoy a lot lah especially like when you go to into uh


US especially uh #las vegas# ah ya there's a lot of casinos, in the countries lah and then mostly they are open, twenty-four-hour, ya so, you can go around to different uh casino places to see their buildings a lot of uh


nice food nice places, ya, so it's it's like a night city lah so , ya, you can you can go there you also forget the timing, so another experience which also uh


because of my uh, colleague ah one of my colleague uh mistaken, has a has a, so-called err, a culprit our our level ah, then he Kena lock up


for temporarily lah because the the name looks similar to the culprit , , so it's very quite funny lah, ya then uh, of course going to uh


US which which which is a very far country from singapore, ya, then we also get to take a lot of uh mode of transport lah like, the big buses we we, chit chat in the bus we play games


then we also board those like err, like the uh yacht or whatever


a different time zone okay, I will usually fix it through my phone setting lah so I will I will, create US timing and singapore timing lor, ya but, once you go to overseas mostly you have to try to the time


when you are at the country lah so example I go to US so you have to adjust the, the day and the time lah not not, uh because you you used to singapore timing like, maybe by ten or eleven you have to sleep but maybe the time over there is the day is different


ya so that's why some people say uh, correct correct that's why people say they they will have a a jet lag or or whatever lor so there's a difference in timing lor and your , and your lifestyle lah


ya correct so once you've been, different parts of the world the country ya you, you will you experience lor all these things lah


ah ya some more uh, alright one more thing is I also managed to have a chance to board this uh, the the the, the very long car don't know call what already ah


ah correct correct ya luxury car lah and managed to to to sit in the, the luxury car forget what is what's the name lah so inside you can have a lot of people sit inside you can have a, drink alcohol and the lightings ah so it's it's very cool lah


okay


for me perfect day err, I haven't uh really, , thought thought of it lah but of course I will I will think has, because personally I I like to err, to go out with friends and play games et cetara lah so


as long the day is went out well, there is no err, quarrel or any negative things then I feel that, I having a perfect day with my friends lah so example can be like, uh


going a whole day to to USS to have fun, ah and all days you can have a chit-chat with friends and spend the time throughout the day and have a meal outside, so I think is is is a is a also a a perfect day for me lah


, ya so like you mentioned lah we no need to, stress about work or anything so you just, pin away just to do what we like, ya so I think it's it's it's good, to be a perfect day lor


ya and then you spend the time outside lah


okay err, for me, comfort food talking because for myself I'm not really err, picky about foods ah as long the food, taste nice


ya I will treat it as a, comfort food maybe, because I eat a variety lah like Laksa Charkwayteow or carrot cake, or or even any fruit drinks et cetera lah, ya


so if you want to make sure the the one common food I eat, I think is is, western food lah I think western food is the, the easiest lah, so you can only eat like maybe, uh fish burger


or let's say because in the past when we are young we usually eat McDonald's mah so, ya I think like just having a a simple, burger meal ya it it's it's also good lah


okay err I'm also thankful for a lot of things lah so, usually I also will count my blessing like like for a good health I have a clothes I have a shelter, those are basic necessity which I have, and also I have a job


which it should can give me a good income, and also I also able to uh, to spend time with uh, family members and friends, so all these thing is that I also uh, thankful lah so in a way and also like you mentioned


, we are a lot more privileges than those, outside people which are struggling which they need to, work long hours, and then also maybe they still, so-called difficult to meet their day-to-day end ends uh or they need uh others uh


financial support from government agency et cetera lah so at least for us we still can, earn a income on our own, and also we can also able to give others, so I think is so


more importantly is uh, , I would say it's the it's the good health lah without health we can't do anything lor


and next one we will talk about what do you love most about yourself


okay uh what I love about myself I would say is, being err I would say being positive lah I will say, ya so, a lot of I mean in our life there's a lot of uh


ups and downs lah, ya so being positive right you you, you will have uh, a lot of things you can look up to you can, hope your futures being doing better, and you also able to turns uh when


there is a situation you also can have uh opportunities, for it lah so, it's it's it's something like like for myself I like to play basketball right so for basketball we, it's it's similar to like Nike which slogan lah never give up lah


ya so is is also in a way to to push ourselves, to become better lor, ya so I I also feel people also like to, be around people who are positive you don't want to be people with who are negative


it's true lah so having a positive mindset can have a big impact in our lives lah, ya you you can have a constant improve, maybe in your other areas of work your life, your relationship and other things lor so


being just positive alone, it can give you a lot of uh encouragement and motivations to become better lor, ya rather than, being drown in a situation that !wah! a lot of, , things affect you or you can say the economists very bad or et cetera or you are not earning enough or it's


difficult to survive in singapore, so you got to change your thoughts right you can think that's eh I have a good health you can do a lot of things you can go and attend classes to upgrade yourself and find a better jobs, ya so, being positive alone


for me I think at the beginning where I look at it right I think investing, , and gambling right because both of them actually requires taking risks, but there are still some differences ah which means like because gambling is just more of like some people take it as like their hobby


they just want to gamble and then just earn back the money but for investing right you can invest in a lot of things which is different, that that's that's what I know


I think obviously it will be, investing, ya because gambling it just like it's a short thing whereby you just gamble and then it depends on your luck if you win but usually most of the time I think


when it comes to gambling right, the luck is actually pretty, low, and if I'm not wrong usually like the house will win most of the time it's only during the rare times that you will win but for investment it's more of like also depending on


like , how well the investment part is <B>


I'm actually not very familiar with singapore saving bond so I actually went to like, look up on it and then, uh ya because from the name itself can see that it is from the government


so usually like government stuff is more like usually considered more safe I would say because ya we are citizens we are using this singapore saving bonds so definitely the government will try to ensure that it's


like, safe for all of us, ya but, ya like I said it's one of the safest, and then, , ya I'm not very very sure about


this singapore savings bonds but I also but, , I read that the cons of investing in this singapore saving bonds is uh the interest rate is low


it's similar to


but will it gradually increase, throughout the years, so it will increase


any investments though, because I'm still very new at it and, as for my finances, , I'm just currency like looking at how I can manage my finance better


but of course I , there were some people who approach me about something like invest it's not really exactly investing, but more of like you know those like,


some uh usually some insurance company they'll come out and then they will ask people if they want to like uh save their money all those, uh and then previously I was approached by one person who told me to like to save so that I can actually earn like the interest


ya but I'm still considering because like I wasn't very sure and I'm very new at it


I haven't heard of any news like and, don't really catch up on stock market


actually it depends though, like even if like the economy is not doing well I think stock market is another thing it doesn't really associate with, the, or what the current economy is doing ya because I also went to read that stock market is just basically within the stock market but economy is


different, so sometimes, ah I mean like , they may there may be like some point of like, interruption, or like affecting but it doesn't affect a lot


ya, so with the current retrenchment and all of those, to be honest I don't think stock market really, <B>, uh economy situation


ya, what are your thoughts about it


current situation those IT, and gaming-related, <B>


but is it true that okay it's wait it's not a question okay, does, the stock market really, already, get affected by this situation


like the current COVID situation


ya cause I'm not very sure about


I mean if like I have certain amount of CPF money maybe I can like take out some, and try a bit, I mean I because uh, usually investment shares sometimes like


a lot of people are saying it's like taking risk, so like, it's either you try or you get nothing , you know at least you try so ya if it's me maybe I will try to invest but


not, taking like a lot of it to invest just a bit of it to try and see


I don't know how much is the safe amount to actually <B>, do you have any recommendation, ten okay, I think ten thousand is still okay out the thirty thousand at least it's not like a whole lot sum of money I mean the invest uh the CP~<B>


to use the CPF money to <B>, are you talking about like investing in like, D DBS that kind, I think because DBS DBS and POSB


, such related banks right they are considered, like government under government and, I think usually banks I think still okay banks in general are still <B>


I have no idea, to me I think , they are


still neutral, for me at least I mean , at the end of the day I know like , some banks like DBS, are, considered under


so I think more or less should be, considered safe even though I know the interest rate is not high


no idea about all this stuff


do you mean like locally or like, this is very hard to say eh, like if you are saying about good companies like


, I'm not very sure maybe those very, big and well-known companies


I mean it's usually like on the IT side, like all those IT related companies, the things that we need to use in <B>


like all those very big, well-know IT related companies and, as well as those companies which provided all the webs, and the social media platforms, I think they are more stable because,


they're one of the very well known companies out there and, a lot of people know about these companies, ya so if they're not doing well then obviously like I think a lot of people will know about it lah


I am not really sure will you choose robot


AI right, sometimes AI is reliable sometimes, it isn't , I mean can we can try but then we cannot completely rely on


it ya, sometimes we need like the agile human advisor sometimes we need these robo-advisor need to combine


I have a mixture of opinions and they are so basically it's roughly like that


I think these are like


part three negative experiences, you start first


okay I think what makes me stress is like the environment, and the people that I'm with, so like let's say , for studying-wise,


I think the people performing, better than me, sometimes makes me stress because, like , sometimes we all know that we put in like the same amount of <B>, results came out and then like


they got better than me, and then sometimes I feel a bit stress and also, like the people that I'm with , the thing is because like, uh, sometimes the people that we are with <B>


some of the group members are actually doing, better like


they are more proactive and they speak up more they do more things so, for a person like me I'm, not a very very proactive person even though like occasionally ya I will still take up certain things but uh ya sometimes I feel stress because I know that they are performing better than me I'm trying my best


but , I'm not on the same level as them, so that kind of things makes me feel stress, ya so usually is just the environment, like , let's say like in scho~<B>


if I have lecturers who are, , okay even though they are not saying it but their body language shows that they are biased towards some students sometimes we also feel the stress because


, you know that you are not being favored or someth~<B>, you just feel the stress whereby oh , others are getting like, better recognition than me


ya so , usually like the people around me and the environ~<B>, kind of shut me down if I am feeling stress, so sometimes like when I feel stress about all these things I will start to


block a lot of things out of my life , ya, I I mean usually when we feel stress is usually <B>, and, the people around us if we are if they're doing better than us all those


like we will feel the uh <B>, if the situation is actually pressuring us, like, to do better but we are unable to


this question is very deep uh


for me right , for finances for looking for a job, is still, uh not on my top priority for, being, the most uh worrying thing about


I think the most, worried thing that I'm thinking of is what do I actually want, because I don't know what, does the future holds for me so sometimes like ya sometimes I worry about like what's gonna happen in the future all those like what do I <B>


actually there are a lot of things like you just don't know what will happen next, you know that kind of things like the uncertainties so sometimes even,


with like this kind of uncertain~<B>, like this right it also made me, worry ya, so I would say I often worry about ya oh I I don't know what does the future holds for me I don't know what's going to happen in the next


second, next minute next hour, ya I don't know what I want then also at the same time like I don't know what's gonna happen next


I mean I worry about that but sometimes I still like oh okay whatever just go with the flow, you know like uh is something like, , you're you know that , if things are meant to be like this it will come in that manner but you are still worry about it


ya actually same like, , like what you just say right about the health and then the COVID-nineteen is also under the list of like the uncertainty, things that I don't know what will, what is going to happen so like I don't know what's gonna happen to my health needs


I don't know what's going to happen to the COVID situation so, , I believe that is not only just me I believe a lot of people also worrying about all of these but, at at the end of the day like, we are worrying about these things but


we also can't do much about it we can worry but , ya cannot keep on staying in that same position, ya, I mean everyone has their own things to


ya actually that's true like we can't change the environment we can't change everything but we can change ourselves, because only, us can control ourself we can't control all the other external things that's coming in their own way


is there one thing I wish I could change by will never be, able to uh, ya actually actually it's not just one thing


the most impacted one will be, showing love, to the people that I loved ya because that will be like I think


because some of them are no longer around, so, ya I will never be able to like really, like show my love when they're , when they're actually not around anymore, ya, I think that that one impacted me the most because


I was still young back then, so I don't really know about all this stuff, and then, it's only when until , the people uh, like my loved ones, leaving like they left already and then


only then then I realize that oh, , I realise that I forgot to, , show what I wanted when they were still alive, you know it's only when they left and then I learn all these kind of <B>


I could change obviously like uh I wish I can go back in time, I wish I can do what I wanted like, right now what I wanted to do back then, I will actually bring it back if I can go back in time


to do it ya but it's just that , time keeps on moving to, the future and, uh what has happened has already happened so ya


we'll never be able to do that but at least, that also, uh tells me and made me learn that, , I should really appreciate things more, and also doing what I really want you know just don't


go and care about a lot of like other irrelevant stuff already, ya I don't want to like, do things that will make me regret even more in the future


then we move on to the next one, do you have anything you want to talk about


oh okay okay I think this is a good one, , ya ya ya okay, , describe a time okay, for this one I will say , during my internship ya


so , during my second internship, a lot of the things didn't like turned out not meeting my expectations uh, because personally right I got like


an internship place which I didn't want in the first place so that was like one thing that wasn't meeting my expectation and then after, that , there were a lot of changes so, I couldn't go


to my internship place during the first day, because my supervisor was , kind of sick so have to, push back but by pushing back which mean, like I have to work more, and my lecturers were telling me


, to adjust my timing so that I don't have to work additional one more day so I have to adjust my, working timing which, at first I was expecting to be able to work from nine, to, six but I have to work from eight thirty to six even though the thirty minutes is nothing much but to me the thirty minutes mean a lot because I can sleep more


, so so I was actually very annoyed about, about that but I have no choice so I have to continue proceed with the eight thirty to six, then halfway through the internship my supervisor was saying that uh she was already planning to


leave, the organization like she was thinking about it for quite awhile, so that was also unexpected I thought like she will continue to stay and the thing is , I'm actually still okay with that back then like uh she say she will still be my supervisor but uh it's just that is she won't be working in the organization so she will meet me outside


of the organization after, working hours so initially we planed, that and then after that , because I was already expecting oh, uh, if she's not around in the organization never mind because I mean usually like


uh with supervisor around sometimes you will feel stress right, so one part of it I was actually uh still okay like I was like oh she's not around I won't feel that, amount of stress already, but she's still my supervisor so I'm still okay because we already have that amount of bond


ya but then after that right , things changed again changed to another supervisor , ya so , I think the second internship was a type where


positive experiences, you want to start first or I start first


at , what was the happiest moment in my life,


I think the happiest moment was when , actually it's very difficult to describe the happiest moment I'll just talk about like the happy moments that I have


like so uh, my first overseas trip was wasn't with, like family, it was with my group of friends <B>


some adults to go and do for like, uh, a volunteer thing, ya overseas and then , okay I, think that one is considered one of my most memorable travel experiences


ya I think I think it's supposed to be under that, ya, okay it's considered one of my most memorable travel experiences <B>, overseas trip like, not travel


okay excluding malaysia because it's just beside us so what I mean by traveling is like taking uh plane, to go other countries, like further countries taiwan , so I went there to volunteer before and it was like two weeks of volunteer trip it was one of the most memorable because


during that trip I learned a lot of things and also learning how to be more independent without family by my side, so like I work together with my friends uh we volunteered together and we bond together for two weeks


out of singapore and without family, so if you just like, uh, it just making us to learn things more, and, I really enjoyed the trip a lot with my friends back then, like


if let's say I'm given a chance to, , go for this trip with the same group of people again, I think I will , ya I really liked it a lot and I enjoyed it a lot


can I ask like can I ask like, uh you said you can forget about the timing, like you also know that like U US timing is uh, totally opposite of ours right


so how do you cope with the, different time zones


ya because there are a lot of timings, there are a lot of timings


that's nice to hear


those very luxury cars is it


me to start describing my perfect day or do you want to start, first okay uh, my perfect day will be, err, because sometimes I really like


, enjoying my time alone, err so I think my perfect day is not uh is not about like going out, it's more about like I have my own free time, nobody controls me so like the whole day


I can just, watch uh whatever shows that I want, and do whatever things that I want without anyone interrupting me, , it sounds like I'm wasting my day but like,


it's a very nice, thing , ya I think I think my perfect day just basically like , , enjoy my own free time alone without anyone interrupting without anything interrupting you just feel free


as long as you are enjoying it then it's like <B>, without any disruption, ya, K , what is the comfort food that I can always rely on to cheer me up


I think my comfort food, I have a lot of comfort food, but usually I don't rely on food to comfort me it's just that sometimes ya sometimes I think uh, maybe like, ice cream


ice cream seaweed, potato , , because these are usually my favorite food lah, ya so whenever I


eat them I I think I will go a bit high


that's nice , I mean like personally , I'm also not the picky type but, ya there will be while like a few of the food that will make me really happy, if I get to eat them ya err so I'll move on to what


am I thankful for, K because given the current, situation I think, I'm really thankful to be in singapore, looking at like the other situation outside of singapore


, because at least right , even though all the current economy, and lot of things are not doing well


but at least , I still have the hope to to find something to do and, singapore is considered very safe, and also at the same time like


ya I'm basically thankful that, I have a roof over my head, and also, there are other people who are not doing well as compared to us, so usually like


when I look at how others are doing and how I'm doing at the same time ya I actually very thankful that I get to live in singapore and ya


enjoying a lot of the privileges which other countries doesn't


I think mainly is the health and, then secondly the environment I think ya because with the good health right and then you can


do anything you want but if the I mean if the environment, isn't that good uh then ya may affect a bit of things here and there ya but


uh overall I'm still thankful for all the things even though like, there are a lot of


ya I wanted to talk about that, , err, what do I love most about myself


I, I think I, love most about myself, when I go okay this sounds a bit funny, and weird but I, love the most about myself when I go crazy


like those very high crazy because that's the only time when, sometimes I feel very relax, when going crazy you know li~<B>, sometimes it's very stressful so some people will say like uh in order to be sane


you need to be insane , so I usually like when I go crazy, about myself lah that that's what I love most, which I think a lot of people know about that


that's true because, that that's true because usually like if you are with negative people, for too long, actually like, their personal, uh aura aura and, the atmosphere will actually affect you


time by time, it's just affecting you mentally but you just don't really feel the until like a <B>, consciously affect us


I will say that to sum up everything, actually like positive experiences in life sometimes it's all about our, mind


okay, okay, on my phone part one financial related topic


I haven't really thought of, how to invest, because , I'm not in a good position to invest and I don't have all the information


ya you


ya, ya, what strategies would you recommend to someone planning for their big ticket expenditures


strategies I would just say, at least at least have a good job ya, that that that is what, I would, but for it I I I don't think it's necessarily important to like invest before starting a family


so, and I also don't know what is invest , I just know I put in money I get money , okay


ya, ya


I mean I I I would like to invest but I just, don't know how to ya I just don't know what what to do, uh next question


how do you manage your financial commitments before and after marriage, how do I manage my financial commitments before and after marriage


I think before I, had, I had my child it was just , it was just basic it was nothing much it was more like, ya there there was no financial commitments


but after I had, after I had my child I think it's more like, financial commitments ah, a lot of things lah are are sort of commitments to me right now actually


like trying to save up for him, putting money in his CDA account, every month, but I'm not I'm not good at commitments


I suck at that so, I don't know


the manage part ya, number three, [orh] okay


can I like , compare the times like before I had my son and after I had my son like I think that's a lot that has more comparison


ya okay it's a bit dark okay, okay, Ain you wanna go first or, uh for me uh before I had my son it was more like


uh pay in pay out like I get my pay and then after that like it's just out like within a few weeks cause I my commitments were like my nails my hair that that was my commitment but now when uh


we have money our the the first thing uh the first thing we spend on is uh our my kid because uh we had uh we we will have to stock up his, his milk powder his diapers and and his school things so that the rest of the month we don't have to think about it


ya I think that is the difference, for me you a lot of things


ya, it's very scary lah like I also want to like save up you know but like the financial obligations I have sometimes I'm like I will do my calculations beforehand and then I'm like okay next month I can save and then after that suddenly crisis oh I need to send my kid to the doctor


and then I'm like oh my god I cannot even do savings you know it's very hard to to have savings when you're constantly broke, you know and then you will end up taking out from your savings, so that is that's the struggle for me, ya even even when I tried to do the calculations


the month like for this uh this month I I'll just start doing the calculations for next month then I'm like okay maybe we can at least save a hundred and then next month comes crisis my spectacles broke you know something like that and then it will be very difficult for me to save and I will end up having zero by


the third week of the month, ya


[orh]


ya, ya, ya


COVID nineteen is I'm sorry but it's crazy I didn't I didn't see this coming I thought we would like take four months tops to like get over this way but it but it's gonna be a year


I was supposed to start, my traineeship with ITE I'm supposed to get paid every month my son is supposed to be in school earlier and then late march is when things start, to drastically change and then uh I had to put a hold on my studies and my traineeship and then


uh suddenly childcare centres were closed and then I couldn't I I couldn't work there uh there was, hardly any income and I'm below twenty one I'm not , uh I'm not qualified for any COVID nineteen grants and I have


first son to take care of and it was oh my god what what should I do what should I, do uh and it and then savings become , impossible it was impossible for me to start my savings because I thought this was the year this was the year I could


I could actually uh put my uh put everything together but then, COVID nineteen had different plans for us I guess


ya, ya actually not, zero grants, ya zero grants uh I cannot


excuse me I'm so sorry can you bring outside I'm so sorry maybe I will talk to you later okay okay I'm so sorry, mummy will talk to you later can you sit outside with daddy first uh, and then


I I we have to sort of , worry about finance like simple things like what do we eat tomorrow you know like things like that and I never thought I had to worry about things like, this this year because at the end of last year I was like this is the year this is the year for me my son is gonna have you know at least like enough but then ya it was


it it it's very it's very stressing to say the least it's very, and, I I I never thought I would stress this much, and the and every time when my son catches a flu or fever I'm like oh no oh no oh no and then I'm like oh no expenses oh no I have to bring him to the doctor and then with zero grants ah it's really taking a toll


I I'm not qualified for anything, and with with with a kid with with me and all I had to worry is what is he going to eat tomorrow how about his next


tin of milk we only have one left, so like from there I think this year it's, it's very difficult but it taught me to manage what I have how much I have even if it's not a lot like it taught me to like manage okay this is enough for like the rest of the the rest of the month and then the rest I will just use to


you know uh cover me for the rest of the month I have to like cut down on a lot of things and I think it's it's fine it sort of taught me how to manage a bit, instead of you know just getting your money and just like get whatever like we want I I sort of like okay is this a need or a want I will like take two or three days tops to think whether this is a need or a want


not like I used to like, [orh] uh I need this just get but now it's more like do I really need this or not it will take me two or two to three days to think about it, so ya what


ya, ya, ya it's forcing us to find cheaper alternatives it's forcing us to it's like god giving us a slap in the face stop spending this is not your time ya so I I think it's also quite okay


it like taught me how to save but, it's really taking a toll lah it's very tiring like every day going out like I have to bring my kid with me every day and, uh it's just constant paranoia that's not good but money terms like in terms of money I think it's it's okay it it was very uh it's uh it's a struggle at first to like suddenly learn how to manage and then now I think I'm getting the hang of it


ya savings is kind of non-existent right now it's not achievable for now because of the of the hiccups every month where we have to worry oh no is this enough to suffice for the rest of the month


is this uh is this uh is this enough can I can can I afford to pay these bills right now and and things like that it's ya I think we don't have any saving habits


uh next question


ya, it's scary that we are in our twenties and we think we are running out of time there is no chance for us to retire early and we are just in our twenties so you just I think to retire early you need discipline lah


to like to have like good savings you need discipline but then is that that that is difficult to achieve it because we, we are caught you know like in a bad situation plus COVID nineteen


ya and I already feel like I'm running out of time


negative experiences okay


recall a situation when you were forced to change your plans against your will, I think a lot of


situations are mostly about COVID nineteen you know, when when it was twenty nineteen I had a lot of plans where I thought okay


this I this should I, this plan should help me and, and my son this uh this, plan will break us out of the poverty cycle or whatsoever uh and and things like that like I had a lot of plans for this year


and , suddenly there was this, , there's this virus and this pandemic and then , I had to suddenly come up with with a plan B because I didn't have a plan B because I believe in like


if I I have uh my plan A should be my only plan I I if I have a plan B I will end up using my plan B so I only had one plan which is that plan and then suddenly , this situation


became uh, a lot more, uh unavoidable and then I I just suddenly thought like, the the that this is the worst thing that can come in my mind because I didn't have a plan B and then like like suddenly like nothing was going going


like how I wanted it to be and then like I start started thinking like am I like a bad mother or what like that is the worst thing you can you you can like have in your head you know because like even if like like you you cannot control your plans and then like you will start thinking like


like am I a bad mother like because like every mums want to do the best for the for their kid right but then like like simple things like this can can make me think that I'm a bad mother so ya this whole year has made me doubt myself as a mother


ya you


it was when , it was when I decided not to , oh it it was uh my son when I decided to not you know unwed children we will have to put Bin or #binti abdullah# at the back and it was when I decided not


to put that and, everyone was against me for that, but I thought it was I I think like the name is, not important I mean like that is what I feel I uh I felt like the upbringing was more important than the name itself you know so everyone was against me my family wasn't talking to me because of that and


you that was a very difficult period of time because no one wanted to listen to my explanation first and everyone was just thinking like, I, I'm I'm impulsive I didn't think about it but


I gave birth like two years ago and today I still think I made the right decision so, that ya that was a very difficult period of time when you had everyone telling you that you're wrong and no one wants to listen to your explanation and you had just given birth uh postnatal depression uh handling uh handling an infant on your own when you know know nothing


ya that was that that was the most difficult period time for me because I barely had sleep I had to , uh care for an infant my whole family wasn't wasn't there for me at that time I practically had no friends no one to talk to uh I I was having problems with uh my close friend as well and


that was very difficult I only started like uh talking to people only when those people like actually had a child and they they needed like to talk to someone and they turn to me because I think I I'm one of the first ones to have a kid, so uh that was went I uh I started to like get close to people because like people needed someone to relate to and they turn to me


but when but when I, had uh, had my son at that period like no one was talking to me you know, and it was very difficult like being like alone and lonely you know like that's not a good combination like being alone and lonely


like you you're just forced to be alone at that time, so that period of time I felt like everyone was against me, ya


ya, ya


ya, I mean a good thing about you Mel and Hani you guys ask questions and then you guys don't like push me to look at another perspective you guys try to understand my perspective that was like the good thing about it you know you guys don't don't


make me feel bad for my choices so that like I think like your questions wasn't hard to answer because you all don't make me feel bad about it, ya


ya, sometime like we say it like we don't need anyone's validation but then like families' validation is very important you know no matter how how many times we say uh we don't need anyone's validation like we can do it on our own but then like deep inside like your mum's validation is important your your father's validation is important


like we we can say it all we want but reality is different, ya and, it's very difficult when like you feel like your family is putting you down, you know and I, I understand how how difficult can it be for you


because I I had that period once and I I did break out of that period I'm I'm glad, but it's okay it will get better, I hope it'll get better for you


I think heartbroken was uh, heartbroken ah heartbroken, might be


I think when my father recently passed away ya that was kind of heartbroken I didn't expect that at most, ya that was that was heartbreaking


ya, I I'm an unwed mother with one kid I am looked down like every time


uh this wasn't this is not really like painful for me because, uh like people who look down on me are people who don't really matter to me ya and I'm happy to say that people who


I don't I I don't necessarily need like people to look up to me but like people who support me are people who matters to me so I don't think that it matters a lot to me, oh ya uh I I recently got a call from my from my aunt my


father's sister she told me that one of my cousin is pregnant and she told me to not associate with her and then, it kind of like got me like !huh! because I'm also an unwed mother with one kid so like you're you you're meaning to tell me that you told everyone to not like


to not like associate with me because like her exact words were one person down we don't need another one, ya so that was the time where I felt like I was indirectly looked down


and I expected it from her lah but it was just, a little uh I was a little thrown off because I grew up with them you know and now I know why like, they are not like hanging out with me much because like


because of this and I I got over it after after quite some time because like, I I don't see why I should be affected you know, ya you


ya and, oh ya you told me like the issues like with your family how your brother does everything like it's okay but then like when it's you like there's a problem ya


ya even if you got your answers like it'll be like then what ya it it will it you will like have that like what like then what like you know it the answers are not gonna be enough


it's hard being like like you somehow feel like is it because I'm a girl ya, is it because I'm I I'm a female like I'm less valued because of my gender and that hurts you know like that hurts a lot I understand and being shy like like being a malay and


shy is what every like parent like wants for their kid you know and like for you to like be like shy and people still don't like you know like don't treat you and your brother the same like that's very painful, ya


felt betrayed ah, oh ya ya, ya, that's a very long story , okay ya you can you you can say


you were so angry at her I remember ya


she made it about herself instead ya


ya, and doesn't mean she's been going through it for a while like like she like has priority you know like everyone's problems like problems are problems, you know, she she have to she she has to understand like give and take there are some days like she need to pull more weight and there are some days you need to pull more weight that's the thing she don't understand ya


if you are going to die tomorrow what are your last words to your loved ones


part two positive experiences, oh part two positive experiences


okay, describe a time when you were helped by someone in your time of need, you wanna go first or I go first


ah okay, this there there was this time where we, we literally had to , worry about the next day not even the next week or the next month we we have to constantly keep worrying about the next day and then uh we didn't know what to do and then


I always had pride issues with asking for help you know, and, it's really hard to break out of pride issue you know and then, uh sometimes when I went to before I I gave birth I went to SSO ComCare for help and then I was kind of uh


I kind of got like funny looks from the social worker and then like, it it kind of like hurt my pride so I stopped going because I thought like maybe maybe like like, I was given like funny looks because like


I couldn't receive like I I'm not that eligible to receive help, and there are other people in need so I stopped going and then , there was uh one uh one day uh my FSC social worker came and then uh she she told us to


to to go and get help and then she she she referred me to organisations to get help and I think that was very helpful you know, she she didn't just like give me like


money she she actually gave me uh organisations to go to to get help and it was because, uh it was because she actually gave me organisations to get help and my my son is in school now you know and I'm already uh looking for jobs at the right places and I'm feeling positive about it


ya so, ya that that that was it , ya my social worker from uh family service centre


because I I I'm under age and I had I have one unwed child right and then they it's procedure in Singapore to have social workers to assess my situation to see whether I'm I'm competent


I'm I'm a competent mother I'm in the right state of mind to to care for a child uh and and then uh assess my financial situation and and things like that and that is uh they they will give me , you know


like links and will uh refer me to this organisation that organisation like example daughters of tomorrow they helped me with preparing for employment you know and Babes Babes helps uh teenage mums, so like they refer me here and there and then like I feel like it's helped a lot really it helped a lot so


it was during that time and then she asked me to go back to SSO and get the financial help because I am not eligible for all the COVID grants and then she said just go and get help and, I was happy because I actually got the help I need and you know


so it that that was a good time like that was really a good time because we were really worrying worrying about the next day every day and we got the help we need, so that was a good time


ya, ya


changes every change is an adjustment and adjustments are, painful and it's nice of him you know, even though, even though you have to go out on dates with a mask but that's very nice


what was the best meal you've ever had, anything home-cooked ah


ya, anything anything my, my mother cooks because I barely see her you know, and , when sometimes I go over to visit and then like she cooks something I want I like I want to eat


and, I think the best was, the was her squid ya that's the best just


good over eating in front of the TV and, using your hand ya , ya that's, that is the best meal I've ever had, with loads of chilli Padi that's important


ya I don't feel like I'm eating if there's no spice


ya , ya


best surprise I give, best surprise or gift, but it's I give to someone


I think the best gift I gave to someone is, I think when I gave my family my son ah everyone was so happy when I had him ya every everyone loves him I think that's the best gift I actually risked my life eh for that


so ya that's, I think that's the best gift like everyone have everyone loves this boy so much


ya, pays off, ya, ya


cannot wait, special event ah, let me think


special event, I think last was uh my son's birthday party, ya I I I couldn't wait because I love organising parties for him


like I I I always uh I think I like the stress I think I'm crazy but I like the stress I like I I like the the stress, because I always I always micromanage everything and I always give myself like a small impossible budget and I always make it work ya


ya so I'm always looking forward to like like can you just imagine like having a party for like uh and your total expenditure will be like what, two to three hundred like it sounds impossible right but I give myself crazy budgets and I'm I I I can already like


you know have the like like have the things that I'm supposed to have so I always look forward to his birthdays, ya, the blue dress and the previous one the the jungle theme


ya I can have like themes but then like I don't even spend that much I put myself like through through crazy stress but then like it works


ya ya, I'm crazy people don't want stress but I like the stress


I I laugh hard every time , I think usually like when I laugh too hard it's always very inappropriate I think it's inappropriate to say it here it's always like inappropriate jokes with my friends


ya what I mean like, gossip you know, ya I I, I I laugh hard at everything it's very hard to recall one


oh I the last time I laugh too hard is when I saw like my twenty-two year old cousin taking , like photos like a primary school kid and everyone and everyone else


were were also laughing with me and we we kind of mimic him, so funny I swear to god if you guys see his photo it's very funny he does all the that that's why it's so funny


ya you


I love that photo, ya


I love that photo , that one and the funny thing is she's still angry about that today


I'm not even in the same school as you guys and I laughed that is so funny , that's crazy funny I, eh it's that funny that it is our group's profile photo that is how funny it is


ya it's not an official photo


ya


ya , describe a time when you took a risk and was rewarded with success


took a risk, I I'm not a risk taker I'm I'm quite afraid to take risk, like little things I'm I'm afraid of like eating something that I don't usually eat


because I'm afraid it will like, it will be something that I don't like like I I really hate taking risk, that's why that that's why I feel that's why I'm afraid of investing because I I I'm afraid of taking risk


[oh] !wow!, ya being vulnerable helps sometime


okay, part one financial related topic


ya I read already, ya I read out already, how do you invest your money to accumulate wealth or planning for retirement Aldini do you have any


I same I mean I I I, I mean the investment is actually quite good but like I like what you said lah also I don't have the uh, (ppc) I'm not well equipped enough not knowledgeable enough to like know where is where should I put my wealth and where should I invest also so I don't think it's


appropriate question for our age especially because we are still trying to ya save up money first instead of investing money, ya then


what what strategies would you recommend because I feel like you're more of in that stage than to me right and I think from what you said also I think the getting a good job is, you know the best, the best option right now ya then you can actually save up first


to starting a family or like having a house, ya, but strategies wise I don't think I have any to recommend because, , okay lah probably getting insurance early and with the income that you have leave out a portion to save and maybe uh leave out another portion to


invest not invest lah like in each, okay okay okay, so like for strategies, uh I feel like we should put a portion of our salary to in it to an insurance company so that you are


so that they can actually invest for you or either or grow your money also because in the bank wouldn't really give that much, even though in the insurance company is like the commitment is very long around ten fifteen to twenty years and it's really intimidating because you can't really see where your money goes and whatnot ya ya but I really think that the it's worth waiting


for it to really grow to really get uh to really get your money worth lah so like I think that's one of the strategies to just save and another portion is to, invest in a insurance


ya ya ya, so (uh huh) how do you manage


oh okay


I don't really quite understand when they said manage your financial commitments so I mean what, do you mean by financial commitments, uh angel can you help me on it uh


I don't really quite understand when the when the question ask the financial commitments what it mean by that, question three


[orh] [orh] okay


okay, eh no it's okay Aldini go first


uh I, I can't really say like and I don't really have a before and after range but I think for before right I just really have to prep myself so I will limit a lot of my spendings, before I got a boyfriend


I would actually just spend like you said also I would spend on myself, do nails do my hair and whatnot but when I start to think about my future and how I would actually would want to would love to get married and whatnot I think from then on I would limit the my spendings and I would increase my savings also because it's quite worrying for not I mean to not have like any


uh stable, like not really a stable income I mean like uh, like a fixed, savings in your account that there is like more than, average like, let's just say like five digits


five digits in your account or like six digits and it's worrying to me because, Singapore is getting expensive, and it's very very hard to live in Singapore if you are not really saving saving uh up and like, doing our part lah for the future because now is already expensive what else in the what else when in four years' time coming five to ya it's very scary so


I would actually right now I think I am doing my best to find for cheaper alternative for everything, ya, so in post COVID world


ya ya ya ya, ya ya


ya ya ya I get you, like how how do I say it also ah I mean we didn't really see COVID nineteen coming so it's, really like we didn't expect Singapore to have a semi lockdown or a lockdown thing so it's really like putting a


toll on us, especially this year ya even if it's just a month of circuit breaker or like I think it's about two months of circuit breaker uh because of the COVID really affect me with my job also and whatnot, cause I already had savings because I got not really retrenched but my contract ended on march and I was supposed to find work afterwards ya I was supposed to find work and get a work by march april april but then april start started to get really COVID nineteen cases started to rise up


and it got really bad because not many companies are actually looking for, uh work eh uh, uh any job positions are not open lah that's what I'm trying to say and like it's hard because from then on I didn't really see this rainy period coming


I didn't really see COVID nineteen affecting us this bad so it's affecting my savings also because I have to suffice myself for the next, probably six months four months be god knows when lah then that is very scary to me also because I want to start saving but because of the COVID nineteen it's really affecting me and I am jobless right now so I I have to fork out a lot of my savings which is


that ya like what I say I agree with you


ya ya ya


ya ya ya , ya ya ya


so, basically not much grant for you also, not much grant for us also, really


ya ya ya, ya ya ya correct


right


ya ya ya , plus we're not qualified for GST so it's even harder ya


ya ya


true


ya, ya


ya ya correct I I get you, so like in like because our topic now the way we talking, like right now right, is also related to the post uh fourth question which is a post COVID world and I agree with you I think


after, maybe like right now I think it's right now it's a bit post COVID right, and I think we also we are trying to uh do our best to limit whatever spendings we have also like to be cautious with our money, ya, with the post post COVID I don't know how long it's going to end also but


I think it's to look it at a positive light right I think it's just helping us to save up money, even more ya ya ya than before this ya ya, ya


ya ya it's it's ya it's actually, ya


ya same, I feel like we will get the hang of it when we have like, we are shown that we have this little amount of money left you know, for example like if you could if you see a decrease in your bank account or this is the how the money that you can only spend for the month


I think from then on we actually change our mindset from then on I think that's the changes that we are trying to make for our spendings and savings habit lah but I don't think savings habit we, would have any right now because I'm jobless and I am waiting for a my job to start also so like for spending wise


it's normal like like in during COVID period also but savings habits like not really existing right now not any contribution going in ya so


ya ya ya for now ya, ya ya ya


ya I I agree with that


what what do you think of retire early, how can one achieve financial independence


I can say financial independence or retire early retirement is only achievable if you have a stable job and you work your way up, faster than anyone else means like you, ya I mean like I think a starting pay for normal singaporeans is around two two two K


two K plus and I think it's not it's not really a , achievable for us to retire early like, at the age of forty fifties it's very tough especially it's like if it's around two K, and, in order for one to reach achieve financial independence I feel like


savings is important also but it's more of, the sacrifices that you have to do when you are when you for example you have you start out with a little pay like two K pay I think the sacrifices that you have to do is like a lot have to cut down of a lot on a lot of things for years and you have to work your way up all the way until you reach for example a good amount of salary to suffice


how many years left of working and from then on if you think that you have (um) that much savings and you can you can retire early I think ya that's how one could achieve [lah] independence


part three negative experiences


I can relate to you I can relate to you about the COVID nineteen I think like I said earlier because of COVID nineteen I am forced to change my plans of finding another work, right after I got my contract ended so that was really like there's no other way because I've find for I I kind of search for a lot of jobs but nobody actually


really wanted anyone at the part at that moment and also like many jobs are, cutting their their employees' salary and which is also very, hard for me to, find a job also they either like, uh


close the company down and not hiring for anybody or they will cut people's salary ya, employer's salary employees' salary also so I feel like that was a situation where I really was forced to not work, to just stay home and be jobless for the time being ya


so do you have any moment that you feel like the world is against you


ya like when you were I don't, think I knew about when you were pregnant but Hani told us when you were about to give birth then we decided to, uh visit you, because like uh we even can feel your pain you know how the society would react to this kind of thing say whatnot then like


that's why you know at that point of time when I visited if you don't remember I I I ask a lot of questions because I was so curious about how you actually go through it you know and ya I ask you, I did ask you how does it aspect you spiritually also like how if there if there's any disturbance at home


or whatnot because like ya you're going through it alone and like, even though you try to explain yourself explain explain your experiences people won't really feel the same way as you do, as much as they try to ya and


ya ya ya


I'm glad we didn't so like for me, the moment, when I when I hit the seasonal depression right I think automatically I feel like the world is against me


automatically because that's how , depression hits you, for you to think that nobody is nobody is with you nobody is actually agreeing with you everyone is like over there just to disagree at everything you do, and


because I have uh not really an outgoing parents not really outgoing I mean like not really open-minded kind of parents like you you have which I admire also it's very hard for me to communicate with my mum, and it's it's hard also to tell them how what I'm I'm going through right now and whatnot because I feel like in any way that I show them any signs of weakness they will turn it against me which I really don't appreciate that because I feel like if I show you my vulgar uh vulnerabilities


I, I I if I'm showing you that I am vulnerable the the least that I expect you to do is to comfort me and say that you know it's okay you're going through this and it's part and parcel of life, instead of turning it to another way like it's your fault for not doing this it's your fault for not doing that you know it's ya that that's when I feel like the world is against me because like if my if I don't have my family's support


or encouragement I feel like , it will affect me entirely lah even though I have friends or whatnot because uh family is supposed to be your back support you know for everything, ya so


important ya


hopefully thank you, do you like have any time where you were looked down by your friends or relatives oh no sorry describe a time when you were heartbroken


I think normal fights that I have with my boyfriend is heartbreaking lah or like with my best friend also eh especially with my best friend which I don't really fight so often ya it's very heartbreaking also ya


then, describe a time when you were looked down by your friends or relatives do you have any


talk to you ya, [orh] really


correct


ya, I mean like by looked down by my relatives not really but, treated unfairly yes like apparently they like my brother more than, me I don't even know why it was since very young since when I was young right everyone really loved him


like treated him well give, him a lot of gifts and like on the other end I was like thinking oh why why don't I receive any gifts you know when you were younger gifts presents were a lot of thing you know like toys that kind of thing then when I look at my brother having


having a lot of people giving him toys and whatnot it kind of affected me also so I feel like , I am also kind of being looked down by my relatives in a way not really being directly but I, think they would if they


had to choose between my brother and I think they would, choose my brother more than me, ya which is not, exactly healthy lah I mean like if you, have a reason to not like me since I was young, when and I have never


ever like I when I was actually a an obedient child I'll just follow my parents along and if my parents if my mum leave me I will cry, I'll have some abandonment issues lah ha then like, I don't know why because I was so shy back then I I didn't talk to my relatives I shy away I will run away whenever they want to talk to me so I don't understand why I was being hated or like dislike for like


ya ya when my mum told me that my grandmother don't like, ya I keep thinking I keep finding for reasons for closure you know for me to actually have some answers to my curious questions when I


ask myself whether I'm not good enough or is it because I'm the youngest or is it because I'm the the the girl in a family that kind of thing I really don't know, so like even if I get to answer my questions but I don't think it's I mean it's unfair but at the same time it's life so life goes on even if they don't they like don't like you in other way in any ways also


doesn't matter to me also now, ya ya ya ya


ya ya ya correct


ya ya, describe a time when you feel felt betrayed, I think you have one right, april I I think both of us have the same, april ya


I can say my experience first lah, I I felt betrayed when one of my close friends decided to leave the group just like that without fighting for us or anything because that's the only one and only fight that we ever had, and I was expected her to I expected her to actually you know contribute and say that oh I'm so sorry for disappearing or whatnot I will be better


and and that way you know everyone would compromise I remember compromising for everyone I told them that I will do better and I'll be a good friend from now onwards I will not pick any of my friends no ranking or whatsoever you know that kind of thing, but when she decided to just leave and said that you guys do me good and like all the best for your


future endeavours or whatnot it kind of hits me hard, because I was there throughout your your secondary school life, I expected more from you I we were so close back then like I expected a lot from you and when you


told me that you wanted to leave then I I kind of like, hated her or dislike her because like, uh we've done so much for her like she's like a baby, so angry ya because I feel really betrayed I was


so close to her I talk to her about my friend problems my a lot of my problems to her, and she does the same thing too, but but, the thing is that she can just leave the group without any feeling of remorseful you know of her own actions I mean


everyone did it uh did wrong to, each and everyone of us and we actually accepted it and we forgive one another but for her case right she kind of said that oh I'm sorry for doing this but you guys should understand that I have I am going through tougher than you guys and whatnot but it's not your decision


exactly because she because it's not in your position to compare our, situations at home I may I may seem like I am actually happy at home or whatnot and I don't really tell you guys stuff but I may have different like


how I say there's a different, level to it and we can't compare because everyone's different everyone's life different ya and, when she, ya


ya ya ya correct, exactly, ya, that part also like uh


part two positive experiences


K, describe a time


you can go first


ya, (mmhmm) ya ya ya


so like basically the the, the council is it that kind of thing or social worker


ya she she helped you with it like, ah ya ya


ya ya ya


ya ya ya, as for me I feel like uh describe a time K , because of this COVID period right I am a quite I quite worried, because


the COVID with the didn't really affect my boyfriend somehow it affected me a lot so I told him that maybe we can't go out go out as often maybe can't have dates, as often , it's hard to have dates you know because it's so expensive and if you go uh if you do it so often last time and


now, uh we have to like lessen it down right it's quite quite a change you know and I think, it's unfair to him also, to feel that way and for him, for himself right he feels that he is obligated to, help me in any ways that he can and


be also responsible for me cause that's how he will be in the future, so when , I was quite happy that he actually, approached me and about like uh how I say


like lend not really lend a helping hand he, offered to, pay for our dates or make, like he created a lot of dates for us to, keep going and like to not make any changes because to him he said that money is not really a problem for him so he's okay with he's okay with handling a lot of dates or whatnot just to make us happy or just to make me happy in fact and I really appreciate that lah because I don't really


for me right I don't mind anywhere anywhere any like , I don't mind any food places cheap or expensive I really don't mind or like you know just going down to, his house area and talk to him to have a chat down the void deck I also don't mind because I really anywhere with him is fine you know


and for him to actually, to to actually approach me and say oh you know it's okay it's fine I can actually pay for our dates and he made a lot of dates just to told me to not worry about the money right, it's really just the feeling is just you know [orh] he actually


he wants me to stay in track you know sometimes if you don't really go out that often you feel more comfortable being at home, then you tend to isolate more you know I I don't know about you but I will tend to isolate more like you know what I don't I don't like going out maybe we can meet some other time you know that kind of thing


ya so I feel like , when he decided to not make any, any like huge change to our lifestyle right, it kind of give me a lot of hope ah, like, like lightens up my day also ya


so like what's the best meal you've ever had, ya ya ya ya


ya ya it's really nice, best meal


ya ya ya, I think the best meal


malay food right ya, the best meal I think for me also, ya ya ya because


spiciness is very important also it plays a lot of part, ya ya ya it's so boring ya, so for me I don't think I have any best meal really but I have a lot that I crave for like


#lau pa sat# seafood oh my god it's so good even though it's very expensive right I love sitting there with the city lights you know you can see the skyline, ya then you can, eat dine in with Satay and octopus squid and whatnot !wah! sedap [seh] and like ikan eh oh sorry stingray


ya and I don't know I think , local food warms my heart, even more than other food lah ya, so what is the best surprise dan ever gave to you


uh I I think I know it is was it the time when he, , like graduated or POP that one


oh you've ever give to someone


my the best, surprise I give is, two in mine one is the birthday party for my best friend, ya it was done oh wait no


ya it was my for my best friend it's it was an in a hotel room with all of our close friends also mutual friends also so I feel like it's very heartwarming you know to do that for my, my long time best friend since my childhood best friend since young and for her to be really very very happy I think it's


it warms my heart lah also, ya, and another one is, when I gave a surprise to my, oh who is that oh my boyfriend ya cause , I I feel like because he work so much and he work so hard


I it's best for him to actually take a break and, be pampered with a lot of gifts lah and that point of time I did give him like, the gift that he's he has been wanting for, and it it's all from a hard our hard eh my hard-earned money you know and it's I don't know why but when you spend something with your hard-earned money for someone to and


just to see their reaction and and they're very happy about it you know it's really like it's really a good feeling, ya it pays off ya and to see him really treasure the to treasure the gifts that I bought for him it's, it's another feeling that you can never feel like you can never reach until like you know you've been in the same situation lah !aiya!


so describe a time when you can't wait to attend a special event or concert, a special event


I don't think I have any


was it the blue dress, [orh] ya ya ya ya ya


I mean that's quite an achieve an achievement lah because you put a target out for yourself even though it seems crazy but you made it work ya, I don't think I had a time lah, ya ya ya


I get you I mean it's quite challenging you know it's like you're challenging yourself, you know, like I don't care I think I'm quite great with this budget if I manage to fulfill it right I'm, I am capable enough of anything you know, ya


I don't think I have any I really don't think I have any because I'm I quite a easy goer person so like I'm okay with anything you know ya, so describe a time when you laughed, too hard do you remember


ya


I remember


uh laugh too hard I like I said eh like you said also I, I will laugh hard at everything I mean not really hard lah but the to the extreme is usually of what my my own doings or like any foolish, things that my friends did lah


like , like our mutual friend Hani, uh I will always disturb her and whenever I look back the graduation picture that I doing then, that I ruin for her then


that make makes me laugh the most I think because I remember she , ya ya ya cause , I don't know because like a part of them I was just adjusting myself I jump onto her back and she piggyback me


then I thought like uh oh no I'm I'm a bit uncomfortable so I kind of accidentally hit her when the camera hits, ya ya ya ya I I think that was it lah , ya ya ya and like


and I don't know why until now I can still look back at that picture and I will laugh I will still laugh so hard, ya no because like, she ya she adjust her specs like you know like I don't know it it looks so


ya ya , ya it's so funny my brain hurts, oh my god so funny, I'm so sorry for her I mean at least it's not a graduation picture that will be


posted on like school website or school book, ya it's not an official photo but the worst thing is that it it was given to our, teacher that who kind of retired that kind of thing so like when he look back I think that's a good laugh lah for him to see


ya, what's the next one, describe a time when you took a risk and rewarded with success


ya ya ya, ya you're correct, describe a time when you took a risk when I took a risk


I'm not too sure on that I think, the oh okay I took a risk I can safely say that it's not really like a huge risk that it's like it will affect my life or anything I mean it does it will affect lah but that time when I was being interviewed for my current job


not current job my future job then like he the interviewer kind of ask me personally on, not really personally lah but I took it on a personal level because I feel like it's affecting my life right now, he ask me about my negative uh no


no he ask me like, my greatest challenge so far and I told him that actually girls tend to have like depression not really depression like but it's like period or seasonal depression more often than men


because we have our PMS we have our like a lot of things uh will make us overthink, more so, I think the risk that I took was that I told them on a personal level that I have


that I will have seasonal depression or whatnot then (um) they would actually but and it it was rewarded with success cause their outcome right and the way they comfort me afterwards they said that it's alright and whatnot and I got the job (ppo)


part one financial related topic, alright after you rock


I so basically what we're doing here is uh trading options lah, the instrument that we're using is the options uh uh trading platform with TD Ameritrade, so basically options is , all part of


uh trading the stock market but using a a option strategy uh that that that we have adopted, so ya yesterday was technically a, green day ah because market's picking up and everything seems to be, doing well we're heading on towards the november elections and therefore I see based on the technical charts a very bullish uh uptrend


so anytime between now and then right there's uh any bad news I wouldn't I wouldn't think it will affect, as much ah that's my opinion until the november elections uh arrive lah yeah


yeah, because a lot of them are yeah they're gaming online lah that's why when we talked about going in for SE yeah


ya even okay you take a look at the technical charts, SE is look looking, uh to be overboard lah how how do I limit as overboard uh because we look at price based on their support and resistance right, so if you look at the one year one day chart SE is actually at all a time new high lah which is at about one four five


right, speculative because yeah because everybody is buying on that idea that uh you know this this company is is involved in uh like doing games and everything and therefore everyone is playing games at home so everyone is bullish on the stock lah just like uh


Netflix and even Disney Plus you that's why Disney also flew right, yeah, yeah yeah that's why ya so profits on disney profits on SE except now my hedge positions on the SE is losing a bit of money ah but that's fine because my bullish positions are making money so that's the idea of doing options where you are able to make money on both ends right both bullish and bearish


so that's my trading strategy so what about you rock


less than nine ah [orh], so that means a lot of tech stocks does not fit that criteria ah because all the tech stocks are above thirty you see


yeah, so would you consider yourself a value investor


yeah, how long did you take to acquire let's say your target


what what about now that you have uh been introduced to options


but your risk is also there if you do not know how to use it lah so, so at the end of the day great power comes great responsibility ah, yeah so you can actually be one of of of two things right you can be an investor and you can be an options trader as well


so did yeah, that's good that's good yeah


TD Ameritrade right is giving now zero commissions right compared to the Singapore uh stockbrokers, yeah, so that's that's attracting the volume from the market all, over the world lah maybe that's another reason why everything flying see a lot more people are pumping in money into the options market and into the stock market


yeah I'm done [orh] okay okay, I've been tapping like every two minutes yeah, okay yup where were we


cause we have we have now talked about how you view it as more , as an investor you're going in you're looking at a two year return of what thirty percent right, so that I will project it more on a passive side where you don't really have to check on your account on a daily basis whereas options trading is a bit more different


where we have to, check uh at uh on it practically every day lah if you're active like we are doing that right so personally me and rock we we we have our own, uh group chat uh where we do live, trading together we have a good support group where everyone's


in it to uh discuss on you know what's looking, uh what's the outlook for the stock market on the day, and then we have a step by step kind of process ah because in a day we'll do our fundamental analysis already we will scroll through and we will analyse our watchlist and to see


you know what's uh what's on the news for those stocks if there's nothing much we will look out and screen for more stocks to add to the watchlist and then in the night, we will discuss that live , with the technical analysis uh uh approach


you know then once that is done we will think of what option strategies to deploy to acquire, our our stock using options so it's a very uh systematic kind of, process lah and if, uh people understand and they know how it is like to be you know a full-time trader at this this point right where uh


we are not really actively working, we have so much more time on our hands right they need to know that, there is an avenue for them to be able to make money from the stock market it's just that the we're we're not so you know in Singapore, even though we have the internet even though we have so many of these but the education system does not actively promote investing


right the the Singapore education system basically, focuses a lot more on your you know your cert you go to a good school you get your certs and then you get your promotion, and that's your career path right then you you retire based on your service in the company that you work for right


yeah, yeah yeah continue on


so the the the strategy in play roll is actually how we are trapping price because everybody thinks that the only way to make money is to buy low and sell high


which is obviously not the case lah that's why most people are losing money cause they do not know what is the low and, what is the high everybody thinks that, , the low is is at a certain price and they go in but actually it's a high lah for example if I were to tell you, what is the value of ten dollars


and basically you will tell me ten dollars is ten dollars, right, but it now the stock market is such where nobody understands that a stock is not ten dollars, cause there's no they don't understand the idea of intrinsic value, so the moment you can know the real value of the stock just like you know a ten dollar note is ten dollars then you will know that it it whether you're buying it cheap or expensive because for all you know you might be buying something that's worth only ten dollars at fifteen dollars for example


so the idea of you know uh your fundamental play uh your value investing mindset comes in where you know the intrinsic value of the stock, and then you go in and you buy uh undervalue and you can use either options or you can buy the stock outright so either ways if you you know that you are buying something cheaper than original it is you're getting a discount and that is what we call the margin of safety


yeah, ah okay sorry the rollover okay so so the basics I just wait ah I want to explain the basics before I I explain rolling over right, so ya once you get your basics in play then the advanced strategies comes in uh when we discuss if you make a mistake in a certain entry right


then we perform what we call a rollover so for options there's always an expiry date when you choose a strike price it determines a date that this strike price will expire right so just like any other contract that's how options will work, okay let me just press okay first uh okay


so the moment you enter a trade and it goes in the direction that is opposite from where you you want it to go, that's where you have to do one of two things either you accept your loss on the day of expiry


alright you can even close it even before expiry but because if you are doing what we call a a seller's perspective, then you have, time decay to your advantage so you do not want to close it earlier because you have time for the stock to work out its its pricing for all you know it goes in your favour towards the date of expiry


so now that it is not going in your favour, when it comes closer to date of expiry you will have the now the option to, postpone your date of expiry, let's say for another month or two the idea of postponing it is so that you'll be able to collect more premiums to cover what you potentially could lose today on the date of expiry


therefore you are just extending, your, premium collection so you're not losing money now you're just waiting for a time, that you will have this option expire worthless and you will keep all premiums


yup, all in one trade correct


because the initial position you have already collected your first round of premium, yeah, yup therefore


when I when I explain when we do selling of options the further it is to expiry the more premiums you collect, and what affects that is also your strike price right so your strike price can always be adjusted number one number two you, change your expiry date for your premium collecting


so if I do it maybe more than three months out maybe six months then the premiums that I collected, will definitely be more than enough to cover what I will lose today, and what I've already collected so it covers my entire premium that I've made for that particular trade


so in in every essence of it the only thing that could go wrong now is a a stock like Zoom lah cause you keep rolling over right how much further can you roll until you know yeah so you need the price ya you, you need the price to exhaust lah because price works in the sense


that at the end of the day it is just like people right and they get tired after a while it has to come back and rest you see it's just about timing on when are you catching the price when it's resting and you are above, its market price that's where you can you know what what how do I put it run away from your obligation ah correct because if you are a seller you are obligated to


buy or sell the stock, correct , so it's it's all about knowing your fundamentals when it comes to trading and then using it to your advantage lah you need to game the system right at the end of the day everything works uh in a system, that's how the


eh actually ya if you think about it if you just keep rolling you know like that that song from #limp bizkit# just keep rolling lah rolling rolling rolling you roll ah however long you need to roll, until it expires worthless then you are


cut from your obligation, to you know so if you think about it, yeah you're using time the only time that you're going to not make it through is if you die lah then you are you are you are done lor, or if the stock if the stock go bust ya then then that's it also equals to zero yeah therefore I've always be more of an advocate to sell my call rather than you know because by sell I put I'm I'm good with that already I make sure I have margin of safety before I sell my call


if I don't even have the margin of safety I won't even do a sell call, so I make sure that my sell put is seventy five percent in the money already then I'll do a inverse straddle that's an advanced strategy to sell call above the previous high, alright which now gives me


price trapping this is a price trapping mechanism okay I mean a lot of people might not understand what we're talking about now lah but, that's why I'm so okay to just share because if you understand then it's gonna be very powerful and you can see that's how you can consistently make income for yourself because at the end of the day growing your portfolio is


one thing and that is called investing but you also need to make income the way people make income is really through, uh the layman terms and you guys call it dividends ah right but for people who are trading options we make income by selling premiums


alright we make income by, also buying premiums and selling it higher so that is a trade, and we can use that to gain, income, and income can be collected, monthly weekly, daily


and it's very different from the CFD right CFD means contract for difference, CFD you use it to trade maybe your FOREX you can also use CFD to trade stocks but what I don't like about CFD is because you have a stop-loss that you have to implement


manually, right compared to if you were to do it for, the options it is, uh more or less a cap when you're buying a premium you are capped at that premium so the max you could lose is your option premium so even if your stock goes down to


to a low of zero, you and only lose that amount and it doesn't, like CFD it cuts your stop-loss and then maybe it rises back up to the direction that you were going for, so it's very irritating every time that you hit your stop-loss and you're right to do that stop-loss you should never go naked right you should never go without a stop-loss


it hits the stop-loss and then it goes back up then you have you're you're left like dumbfounded like I just lost money for nothing I was actually right, but because now the play is such I have to accept my loss but whereas options you buy the contract, and even if it goes down close to zero then suddenly it miraculously come back up to the price that you


want it to be at and above you can still make your money within the date to expiry period so that's how I shifted from CFD, to options yeah, I've got some stocks ya


oh yeah I've got no actually I've I'm not holding any of that already I have limited it to uh sets I got one sets and one REIT I think yeah, I I I think it's a CDL ya anyways I didn't check that


for a while you see as an investor you don't really want to check your holdings already right because you just let it roll anyway it's a very small position lah, yeah I'm I'm still waiting for an entry lah to use my uh, CPF to to fund the, those those uh stocks maybe the banks and the, REITs ah yeah but yeah


because of of the capped dividends lah right, they capped the dividends so therefore the banks made a fall but yeah in in all fairness at some point they will come back to, this uh intrinsic value lah and and now it's slightly below, still a still a go lah but that that is if you only wanna make like


what, nine percent ten percent a year, ya ya ya anyways I'm only like one thousand yen ah as you know know know has a yeah yeah so just let it run


I will I'm concentrating mostly on the US market lah so Singapore market sadly volume isn't there so, I I doesn't interest me lah low volume, yup


yeah the idea here of dollar-cost averaging right I I understand how most people would see that that's a good strategy keep buying when it goes lower, but you'll never know how low a stock could go if you're just using fundamentals, for all you know some stocks like especially sadly for smaller cap companies right they don't have funding these stocks can go down all the way to zero even though they are performing


alright so you need stocks with cash flow you need stocks that are fundamentally strong right so all all these things that we talked about , like the companies that you mentioned what you look out for right you look out for their revenue you look out for their net profits you look out for


their PE ratios right all the all these would define your your your margin of safety lah when you go in, you see but that is not enough lah that's why we need technical analysis as well everything combine together


correct so gambling is not knowing what you're doing lah basically you're hoping lah as long as you're going in hoping then that is a gamble already right, yeah yeah yeah so so professional gamblers have stop-loss also what they lose that certain amount a day they walk out they see the things are not in favour they walk out


that's why I always tell you bro when we trade at night is there a setup we don't have setup we don't go through we don't go for it we just walk away we don't even go in you see so , yup twenty one yup stop just press stop ah


yup, part three negative experiences, okay, oh !wow! sentiments on the heart yeah yeah okay


you want to share that uh quite personal ah


okay


all it just all starting to fail


okay, or just let her slowly fade away is it


!aiyo!, sorry to hear about that man


okay yeah yeah but they are still quite young ah oh


okay, yeah


that's true so health before wealth lah really yeah so we cannot neglect on our health right, although that you know if sometimes even though we are we're doing well right we're uh making money and everything but, that's why exercise is important lah as and uh eating right and sleeping well is is all all these three things go hand hand in hand lah yeah


[orh] okay you keep in touch with him ah, I I hardly go to Taipei but I know I roughly who you talking about the guy that they always buy bubble tea for right


it's also what happened he's sick ah, oh man


you flew down to see him ah, you're you're close to the family or


okay, ya lah naturally lah you work in a every day you got to yeah


okay, okay, K lah next time we we can to fly again we can get ago and visit her yeah yeah oh !wow!


uh lately actually, the negativity on, uh the world, is, not exactly you know I mean it's impacting our flight schedules and everything else lah right that's the only thing that's negative about


how how how how it's affecting us now, yeah but , previously I I think, there are many occasions where, you know like I mentioned


I I went into a few startups that didn't make it lah, so yeah yeah lah, tuition one went well that's that's my the one that I made, my money from then I diversified


then I tried to go into the food, app business lah right so we will engage , the, yeah yeah actually I was very positive on that cause they started we started out in, Malaysia then it grew pretty well


then we brought it to Singapore as well then it continued to grow, but, it couldn't sustain lah at the end of the day we were promoting merchants who were not exactly doing, well therefore they have to be part of our, membership to promote their restaurants right


so after a while people go and try their food then you know if it's not exactly up to standard that's the reason why they needed marketing in the first place what, and then over time you know you don't get your customers coming back then there's an issue lah


so , correct because all the big names they wouldn't want to sign with you what you are just like a new startup right, they want to be tied to the bigger players yeah, so it's not that the system doesn't work I mean it has worked for other people it's just because you are you are new your competition kill you lah so you need to go into an industry where even though it's saturated ah


then you need to have a niche you have to have a unique selling point, that I know if you're gonna just be like any other you know uh competitor that's out there that's doing the same thing then you're never going to stand out and then why should I come to you when I've I got I can go to somebody who is more established right so that's the thing lah about startups


yup yeah, I think also because the, operations I didn't have control over lah there's so many things to to overlook right so I only took care of the Singapore side whereas my partners they took care of Malaysia side


so Malaysia is actually the main chain lah in Singapore I only had a few outlets so every now and then I just gotta go down and check see how things are doing, you know, uh four to five lah and then we we expanded, yeah, yup so I'm the guy in Singapore lah then they expanded to


but I I wasn't with them on the China project lah I think they went to Guangzhou or something, to try and open open up in China but that didn't work out as well so the expansion failed lah, so maybe if we had just spent more time in uh Singapore and Malaysia I think probably would have


but anyways yeah look at look at how COVID kill everybody lah so the food business also very tough lah you know, which is what my dad has always told me lah cause he was in Shakey's pizza right back then so he, he he franchises that, for the company, he does franchise right so he knows everything lah the ins and outs and how ugly it is and how tough is it


to actually make it in in that industry yeah, so ya lah end of the day that didn't work out which is fine, you see the thing is and it having good partners ah also play a major part lah you know you can


ya you can be so passionate and and you have such a good outlook and positive mindset but if you do not have people to be able to carry your vision to be able to work towards your goals, then you are still you know it's it it's not entirely


up to you to to make a difference lah you need you need a good team, you know every yeah, yup yup if you have good team you you carry forward your vision and and our goal lah so


very important lah I I had, a few occasions with, uh and they were much older gentlemen lah they were, uh businessmen that I've met over the years right and, you know and even even at some point I looked up to them like in


like they could teach me something lah you know when I was younger I just trying to learn from these people so I invested quite a bit with these people, but I at the end of the day you know, their experience don't check out lah, that sense that we go into something it fails it go we went into more than one thing the other thing was


I think we tried to enter the brokership, uh kind of business as well then turn out to be ya that means we were trying to be part of the broker you see we invested in the broker, ya cause when I was doing FOREX


then you know we if you're a broker you make money, either ways what you just you make from the the bid bid spread offer that said your commission spread right, so it was indeed lucrative right but the thing was that couldn't sustain lah see so


very important when you want to trade right got to go, uh with a good broker that's why I always stress on, knowing who your broker is because if you're going into some brokership that is new, and they offer you this kind of uh platform where you can be a member of the brokership right get commission spread


then it's not gonna be sustainable lah so all this when I was younger lah so you do not know, how things really work, then don't invest lah end of the day, the lesson here is, to only invest in things that you understand ah, and then yeah don't go in until you really understand that's why I always say demo trade ya don't go in blind


ya don't go in with a half heart go in knowing that that even if you lose money you know why you lose money you the worst thing you can do is to go in and then you don't know and you don't know why you lose what eh how did I lose my money ah you know, like a a lot of people invest in in uh nonsense lah that's that's all called alternative investment lah which is a very nice way to to make it sound but it's actually all scams lah right