you will think cockroaches look handsome, you think cockroaches look handsome meh, they are so they are black, I think lizard looks more handsome than cockroaches, definitely


at least they okay they at least they look harmless not to say handsome or not lah but they look harmless as compared to cockroaches, at at least you, at least you know that the lizard won't fly anytime, whereas the cockroaches you


eh but imagine the eh you you you know for cockroaches every time they do fumigation they just die like that, then some somehow they they leave their legs or whatever you call it ah


somewhere it just quite disgusting right and you see their leg also , so okay I no better word ah but fury, disgusting right, then you think these these creatures crawl don't know where god knows man


like dust dust dustbins, ah, okay lah but at least you know cockroaches definitely crawl to the dustbin ah, ah


ya, I mean ants at least you Piak that's it mah, cockroaches you you kill them you Piak then you think !wah!, very hard to clear right, so disgusting then somehow you you pick pick the thing up, then oh okay one leg drop


ah then you want to go and take the leg you also (ugh) you also feel disgusted right then after that you need to go and, find a special place to throw it, I don't I don't suppose you want to throw in your own dustbin right


ya lah, whereas for ants I can just Piak then that's it mah throw in my normal rubbish bin what, [orh] okay may okay maybe for lizards, you just throw outside ah


ya, phobia and how to overcome them ah, (hmm) actually I thought if it's a phobia then


it will be difficult for you to overcome them right that that's why it's the phobia right , okay lah for me I ya ya ya okay for me I don't like, heights , so I'm afraid of heights


ya so, when when I feel it's high I I don't have a special the specific number lah but for okay like for example when you, same at the edge I look up then see !wow! okay this looks a bit high


ya then then it will kick in lah ya, okay like like for example some I I cannot understand lah like some people can just go and do, bungee jumping , do skydiving


those those kind you you you just, okay or or rather humans are naturally, afraid, okay maybe afraid of height lah you you you you will feel that oh okay I'm gonna die but actually I won't die those kind of thing so some people can take it


where others like me then I will think eh , why why you already know that what will happen so why why just why don't try why still want to try this kind of things ah so I would avoid lor, ya like like for example due


like during a trip all my friends will go and do bungee jumping then I was just stand stand at the bottom then say eh hi, then look up oh say hi lor , ya, okay what what's wrong


ya so what's your, , so do you have any phobia, oh okay okay, overhead bridge ah, overhead bridge ah


that's like when


eh I have never seen that before, it it it, oh like that ah uh you mean you mean like when you walk in the in the middle then sometimes that's gaps then you will you will able to look down and see oh okay the cars are below


ah, oh not not nice not evenly built lah


oh okay okay okay okay I get what you mean, now nowadays still have ah, nowadays I thought the overhead bridges are still like this what, no meh


oh okay okay, uh okay, okay okay okay, oh okay okay I


okay lah, oh okay, roller coaster


you mean those kind of, three sixty turning on, where where got secure, it it's not secure what, it's like anytime you can fly away


okay, okay err, okay so so you like the thrill of feeling ah okay I'm free falling


oh okay, okay


the speed ah so you like car racing also, so you like car racing also since it's high speed


car racing like f one okay what quite secure, then you drive lah okay right, oh like


like for example go kart, I thought quite fast quite fun, ah, ha what


ya lah I I thought so eh because I always do that then I don't exactly will feel the G force, oh okay okay ya ya ya uh I I once once I saw yeah once I saw one of my friend really !wah! almost just skipped off the track


almost fly off oh quite scary one, but of course lah must be must be careful lah, you must know your limit lah, ya but !aiya! some sometimes it's just the thrill ah


so that's why ah but now !hais! in this COVID times ah you want to travel want to do anything also difficult lah, you, now world cup also before you go there ah okay


maximum five inch, safety distancing, you you can you can never go out like for example in a big group ten plus people anymore, unless you split lah you you #keh siao# and say that oh okay I I don't know each other, then possible lah ya


so I think those those kind of big group gatherings I think of a pass lor, so that's, ya ya ya I I really don't know ah when when this will end, like when, ya like until perhaps someone find a vaccine or


half of the world just die off lah, for example , we we we don't we are we we we don't know which one come first ah, oh well, ya ya ya so


, , there will be a pick or ya ya so so that's why , ya, okay


the robber ah, okay lah I mean that that that one not robber ah that one is a I wouldn't call it a, pickpocket what burglar, ah okay I I


he go to my seat and take my bag off mah, so okay lah okay okay okay let's let's just call him a thief, okay lah I mean that time when he took my bag inside I have my passport I have a, my money


so luckily during that time I still have my phone lah, but of course, it was at a period whereby I'm I'm supposed to take the plane in a few hours lah so, , it's it's gonna be a it's gonna be a bad time lah that's that's the first feeling I felt lah so


oh of course of course it's like, ya ya ya ya ya, or or or rather the first thing is like eh crap what happened, how come how come my the first thing I imagine is eh where's my bag I I can seriously feel the dotted line of my bag at the


whereby you see the cartoon there's there those kind of scene right the dotted line of the bag the the outlines is that eh, how come the seat is empty, ah that's the first feeling I feel eh then I'm like oh, who could have taken my bag lah, and ya


because initially there was someone sitting beside me, so I was trying to recall eh, I I may maybe lah maybe I don't know, so I was think I I I didn't search it I mean there's a table beside


ah, ya so so okay lah and and the first thing is eh do I, try to search the area to, to try to find my bag or or find someone suspicious, so and even if I find it do I just go and hammer the guy


ah, that that's the first thing lah just just, pushing more then try to grab something then whack him ah, but I think this kind of professional thieves you can never find them lah, if you can find them then they are not professional they deserve to be caught lah


okay but anyway ya so in so by the the stroke of luck anyway they, the police got the thief, on the very same day so I was able to travel back lah, so !wah! it's really very very lucky


so , or, or rather the the the feeling is you don't know what will happen and you don't know


what to do in the spur of the moment, so it's like, do I go to the police, can the police helped me, or do I what to or rather what do I do first ah, because in in this situation you


ah you you you really will feel totally loss and after that oh what to do you'll be at the lost really at the loss of what to do, then then you then you really need to, take a step back then think eh, what's next


find the nearest police station, I mean that's that's that's the only thing you can do it when when you don't really speak the language mah, so luckily the police still, speak english lah, and they are actually


ya and luckily my phone still has battery, because previous my phone almost died, and luck and by the stroke of luck I still have my power bank with me, if not I think I'm really a sitting duck


because I don't know where is the nearest police station, ya you don't know what to do and, ya because I I I


ya ya ya because I I try to ask around he say eh uh okay we have a CCTV but we can't share with you, only the police can access, so, what the crap right it really what what the crap right


ah ya ya ya ah from the movie which movie, ah okay okay then you have to take out a gun eh point to them then give me the video right


those kind those kind of scene, [orh] okay okay okay [ah] ya man, [oh] okay


positive experiences, , okay do you do you like to travel


if you wish, if you like to travel to #Ang Mo Kio# why not, like travelling in general lah like seeing different things if you if you think travelling to for example #Ang Mo Kio# #Boon Lay# is something different


park connectors ah oh what what what is that, ya, parks, oh okay


you mean walk walk in this, crazy hot singapore weather , I think there's a bit ridiculous right,


ah okay, okay , okay may maybe maybe at twelve


[orh] okay okay okay okay, or as in as in night cycling lah I think night cycling is okay lah because you you go with friends , you chit chat you just stay chill I mean just take take it as an interaction session lah still still not that bad lah but if you are talking about one person walking at twelve PM in the bright sunny day I think there's a bit


travel around singapore, okay lah I mean now, ya they are trying to promote singapore yeah so I I thought yeah yeah yeah because now you you know there's the


COVID situation mah , you if even if you want to travel to like for example indonesia, also not possible what, even if ya I mean it, ya I mean it if you even if you want the government allows you


the indonesian government also won't let you go in ah, ah so so so that's the problem lah because all the because of the pandemic situation lah


ya you can, continue to think of it as nice nice pictures lah because I don't think you can travel anytime soon ah, oh okay


oh like that ah, oh Scotland ah I think maybe you need twenty years ah considering that you you spend like less than five hundred dollars I seriously think you need a very a very long time, even in economy class


ya lah okay lah okay you it's a free travelling trip lah but of course you go there you need to stay right, unless you tell me you go there okay I uh work at the hostel please give me a room then maybe that's possible lah


because I I think some some students do that ah , you just buy a ticket travel over there and then oh okay find a job like a random job like for example , ya ya ya they they call it the working holiday lah


like uh okay I I help the farmer to wheat his fields so in return he give me three meals, then a roof over my head, then in my free time I go and travel around the countryside, or even some uh okay I become a


hostel manager, so at night I get a room for myself lah, ah then during my off days I can roam around explore the city go cafe hop ya singaporeans like cafe hopping right ah so so you just


ah you ya ya ya another level lah, go go go overseas hop ah so you just sit down at the corner drink coffee, ya ya I mean, backpacking you really try to experience ya you try to experience what


the locals, experience , because you you don't go to so called the touristy places ya whereby oh okay uh I have a key chain for you <EX2>fuck</EX2> three for ten dollars those kind


so yeah they're they're trying , those kind where they try to scam you ah, or or or they just tell you oh, ah ya ya or they tell you oh, ya ya oh sorry today is a buddha's birthday the temple is closed


I bring you to another temple, ah those those those kind lah, whereby whereby they will they will just try to scam you ah, ya ya ya


ya I mean they they also want to yeah they also don't want to target you ah , been, ya lah they they they also cannot get anything out of you ya


random walking uh okay so we drove around the vineyard, so okay in in france ya ah no no no no in vietnam in france so, oh my vietnam backpack ah so, ah that one okay so in in a way that one


okay lah I I would say it's a very lonely trip lah because you have no one to talk to ah so at the end of end of the day when you're having your dinner you try to , talk to any people you can find lah so I I I talk to this random uncle lah he's a caucasian


and he is also there I think for he okay not he's also there I mean he's also there for holiday but he has a job, so he has been there for eight months , so throughout these eight months he uh, teach english I mean the the usual lah what what can #ang moh# do right just teach english lor ah so so for for that actually is quite lucrative


no lah I mean you you you see those #ang moh# bums, not nothing much they can do ah you know just teach english lah that's that's the most useful thing they can do what okay so so this guy actually is, not that bum that I thought he was lah so he teaches english then in his free time he


he he try to do charity work lah, ya, ah ya ya ya because okay uh okay so so how, okay or or rather right how how I talk to him right is because he was walking into the shop with a cuts in his hand , so he got a gush ah so I was like eh what happen to you


ah ya ya like like like like that lah as in , ya maybe he got a broken bone or something lah, ya so he just say that oh uh yesterday I had a motor accident, so someone try to rob him by snatching his bag lah


so he got pulled like for a few metres, ah so, yeah yeah totally I mean, no he he was on the he was on the motorbike and he is bag was sling onto him


so those thief try to snatch his bag his bag away lah, so he wouldn't let go and end up he got dragged for a distance lah, so that's how he got the gush lah, but anyway ya , okay lah I mean


okay so so he, okay I I mention that he did charity work right so he he go to those villagers try to build houses buy them clothes, I I don't know what village lah because that all all those funny names that I don't I I cannot remember lah


ya ya ya all those, ya all those funny funny long names ah and, some some funny sounds one lah so but okay lah it it it's like how how people overhear try try to oh okay we have some


missionary trips we , try try to take, ya ya ya so so he he just he just buy stuff like, food, clothes so on so forth then bring over lah then anything they need help or maybe uh I I want to


learn a language then okay lor then he will teach ah, I don't think he has any permanent plans, unfortunately he, I


think so lah no I I did I I I didn't I didn't ask him lah but he's like, early forties, he's like in his early forties , okay lah may may maybe he's taking a break from work lah


maybe lah maybe lah, ya, ah ya ya who knows, ya it it okay lah I mean he's from croatia so, exotic place ah


yeah, yeah, ah yes yes


but I don't don't remember when ah , croatia ah, for, for world lor maybe for for the world war two or something lor


ya because I I thought those, those people that come out from there are very burly full of beard , last time have some war story to share one, okay lah I mean you don't know


no no no no they are not , vikings are, scandinavian side what, uh I think is the scandinavian side one I think I think, ya I think so I I forgot which country already, ya but that definitely not there lah definitely not croatia ah


okay but but anyway so, when was your last travel ah you you mentioned that you only travel, locally but did you try travelling out of singapore, ignoring the COVID situation


vietnam oh also vietnam ah, oh so where you went, oh which side you went, #da nang# area ah okay how is it


oh ah serious, but where is this #da nang#, you make it sound like you make it sound like is the monaco of asia like that


all the rich people go there gamble race car, , oh okay, oh it's it's at the beach side ah


ah, theme park okay, ah so expensive, you sound like you need to take air ticket one


oh okay okay so so they they they try to, they they try to , oh they try to overprice ah, oh okay but, but is it really very far like what two hours


may may may maybe for the ride because maybe because hundred USD ah so far !aiya! then


oh okay okay so, so so you, so called book the driver for the whole day lah in this case, oh okay okay


ah so you, ah, ninja pumps


oh okay, oh okay okay okay okay ninja pump okay, local coffee oh ya ah, oh ya vietnam vietnam is famous for coffee ya


oh okay okay eh, oh okay okay


is is it like those kind of, drip coffee, is the drip is the that kind of small cup with a drip coffee right


oh okay okay, , okay


, !wah!


okay, ambitious young guy


okay so his name got to do with coffee also lah, some viet name is it, oh okay okay okay interesting ah


, it it's a like why


oh okay okay, oh okay okay, !wah! quite nice ah as in the barista got free time chitchat with the customers then still share his story where I think it's ya quite nice


it's it's like those kind of like ah okay you are my old friend welcome to my shop those kind then oh okay let's, long long lost friend those kind of feeling is it,


ah okay okay okay


like what no street no street lights no proper walking trails okay, okay


oh okay, I see, oh okay okay oh ya ah their standard of living comparatively is much lower oh ya they they rather sit down at they are so called at their usual coffee shop have a with maybe a fifty cent or one dollar coffee


drink and go those those kind lah instead of sitting down slack relax those kind of enjoy the cafe culture , those kind of luxury lah I would say, ah okay okay so


ya so it's difficult lah in this case, oh how is it, oh serious ah


is it like, it because it's very strong or or or


ah, ah do you mean it taste like, it tastes like liquor is it, those kind !wah!, you mean those kind of after taste lah or


!wah!, !wah! magic ah he he can really do wonders ah I I !wah! I also didn't know it's it's really an eye opener , okay


finance related, topic, okay can so do you have a savings account, so what what a savings account is good now ah they keep changing the terms and conditions so like to know which one is the best now


or you know what to lose uh last time UOB was like quite good, then now I heard multiplier also got some, change in terms and condition what they change, do you know


ha no leh I don't park my money there leh I just use [loh] I like to use for online shopping that so no no I don't savings you know don't have much money so so don't need you use savings account lah


, I don't put under my milo tin, I think I put inside my milo tin can or not


ya, so if I no money one like which account is better ah because I know all all every those who take advantage are those rich people you know like they because they got like they spread their two hundred K over like four different accounts cost okay like fifty K each account that kind of thing so if I don't have money one leh


ha, the interest rate not good right, ha


what two thousand is a lot to me you know, why why why not enough, no lah, two thousand dollars a lot lehI I just spend three hundred dollars only then the rest don't know do what with it


got money then spend lah, no money then don't spend [loh],


oh good idea oh any kind ah any kind of account


I can spend anything ah like, grocery also can ah, uh then like that I


is investing in better like since the interest rates is not very good then would be invest lor maybe it'll be better ha since if I got like if I can invest seven hundred dollars a month that kind of thing although I


what's the interest rate like


ha, ha okay


, , just now you talk about the credit card so if let's say online spending which is the best now or which one you use


so so you will keep, so you always oh but so many different card so you use different card every time had to homework ah like that


ya lah that's why I asking you lor that's why I'm asking you I'm doing my homework now, ah ya lah because you seems like you have a lot of did your take on different accounts mah so ask you lor which one is the best so many things to read eh online by the time I finished reading ah then they changed their terms and condition see


then I cannot, ya lah that's why in the end I I'm not current lor cause by the time I finish reading right then they change their terms and condition, so sometimes a bit Sian it's like a bit


ya then people write about content uh they just want to push their own project ya so by the time you finish reading and like ahokay maybe this is sponsored like that kind of thing


ya lor that's why must ask people for their reviews ya


points one like very lame eh, points like they give you that me gives you certain things maybe sometimes you don't even need


okay lah, NTUC is okay lah but not I don't think everybody give NTUC which uh which which bank give NTUC points as in for exchange if you know


oh then what you go for, so the points is a gonna lah, so points it seems very unpopular then maybe everyone have the same thinking that uh


just give me what uh buffet voucher lah ah, oh ya true ha, !wah! got such thing ah okay last time ah last time


then how to credit card earn money, they give us so many points ah like too good to be true


ah so then you also like spend over and above what you can lah that's that's that that's the scary thing about credit cards ah cannot spend, must control


so, credit card sometimes also very scary eh credit cards are like sometimes like a lot of scam then later you end up paid you need to pay like four thousand dollars because people fraud your card don't know leh


, then got any account oh true true true so any accounts without like credit card tier up but still not balance


or like how how how one percent right is it I saw or one point five one


oh ya some I see I the last time I checked is like they got some tiers one so like you need to be very rich then you can like like fifty K then you have like more percent that kind of thing don't know leh maybe can check up


don't know meh !wah! I thought this I saw that they got this still okay okay lah too too too many too, out to get the money lah


how about singapore bonds eh what is the how much is the, last last what is the eh they give interest every month or every year ah the singapore bonds


okay, oh still lower than, still lower than like if you put in banks then you


spend and then things like that lah


done for singapore bond, !wah!


not not liquid lah and cause you cannot access your money immediately, !wah! then like that if I like to spend then if I always spend then cannot lah


all put in the bank


so how's your student loan ah you said you paid up everything already uh


ha so long already, ah, ya clear already lah how old already still don't clear, ha if your loan or ya you take you take


you take PHD is it that's why take so long to clear , oh, how's charge the how much ah oh true true true, ha now you still paying but then you never keep track I thought you always do to book


for loans, uh because no choice right loan only got that few places to borrow


no like that, but then they don't renew your student loan right of course they ban on this what


okay lah loan also , ya boss also cannot guarantee when interest rate will be high when interest rate will be low that kind of thing


keep miles for what now also cannot travel, ha so do have expiry meh


oh but the miles like by the time I save will it like go expire like how long will it expire one year two year, !wah!


, ah oh okay


redeem then keep in krisflyer ah


also the miles is not just krisflyer lah, oh


so one card can transfer to different miles or not which card is that uh like this ah, so if I like Cathay I like


Amex !wah! Amex very hard very hard to use eh so many places don't accept Amex


okay lucky the step up already, , oh no lah


union pay I hardly see where did I ever see it ah, oh okay ya ya ya ya, ha diners too as in existence before


!wow!, oh the sport but so which one collect faster the miles


two two K miles or must spend two K, oh like one dollar to how much ha how much sorry four miles per dollar ah okay four miles per dollar okay so


!wah! travel to let's say, Hong-Kong like that how many miles ah don't know how many ya,


roughly lah, ya the the economical one, just get a sense like roughly how much ah !wow!, oh


a a month, seems okay leh


negative experience


maybe no, as in creatures okay lah, in like lizards, I think I think lizards are the scariest thing you look at them they look like mini dinosaur they don't have scales I mean like ya they don't have okay not that I like scales but


you know like snake serpent reptile this kind of thing is that series one lah, uh let's say will like real dinosaurs, I just don't like I just ya don't know and the worst thing is they fall off when they crawl on the wall


so that it really very scary so how I got really scared of it is when one day I was talking on the phone I still remember I was very young, maybe like four I still remember and the lizard just dropped on my head and I screamed so loudly


from then on I really hate lizard so it just fell on me then the whole rubbery feeling (ugh) I still can, totally like imagine it and then people just tell that no lah lizard, lizard don't fall from the wall I say yes they do okay they really just just drop so many times I witness lizard falling off while crawling


somehow I don't know, I uh I witness a few times or sometimes I scream at it then the lizard just bang into the wall and then just fall off like that then it's so scary the whole thing just oh my god and then the worst thing is the tail


the tail just keep moving moving on the floor like that, ya, ya but


ya but it just very gross, no, ah that's true oh ya maybe maybe spiders and these spiders are not so intruding


ya you don't go to the corner of the room, but they are so tiny


ya, ya those singapore luckily don't have those the tarantula or things like that, so, okay and this it's okay the small ones are fine and you see how


so far, no so you had been bitten by spiders before


, that's true, but I think but a lot of people have been grossed out by lizards


it's just the thing that they disappear like so fast that you don't know where they go and then you will keep thinking about it lah oh my god is it, when I sleep will it just drop into my mouth okay that kind of thing


ya every time we try to catch it, not me ah uh I always get my dad to catch it then he'll always tell me disappear then I was like ya where did it go to right I want to know


I ya that's a good idea someone should come out with like lizard trapper


ya but I don't dare to clear the trap also it's like ah that's true okay so what creatures are you afraid of


what crab, I don't think lizard look handsome also like


no they are serpent


might know the lizard were drop down anytime and then wriggle their the the tail will wriggle everywhere


, ya I guess all bugs crawl everywhere


that's true that's true, ya


, no lah throw into the main rubbish chute lah


okay , so do you have any phobia and how did you overcome them


then how did you overcome them or you just never did


okay so what phobia you have, like how high is consider high


okay


uh, ya that's true


okay so that still okay ah (uh huh)


I see ah okay but that ya it's okay ya sometimes also quite ya I think when I was young I also quite afraid of height


ya I even like walk the overhead bridge so is overhead bridge okay, you know like the olden time oh like the the I mean in the pass where the overhead bridge over the uh roads that kind that are like in the middle there's in the middle of steps there are gaps right so you can like really see


in those oh, overhead bridge, and, maybe I notice the gaps so that's why I


no no as in as in when you go up the steps so there are like gaps in between the steps because the steps are not like, , but that that kind of overhead bridge the steps are usually there are like holes the middle kind those ah


nowadays I don't think they will this kind of overhead bridge ah but it just feel I don't know leh I don't think so almost mostly they have broke things like that but ya so so that kind of overhead bridge I am quite scared in the past


so I guess always just tell myself just to look for uh but I still I still look I still do that kind of a free fall roller coaster rides I think roller coaster rides are still okay eh because


you are very secure like they secure you ah they secure you, so tightly uh !aiya! but I'm okay with those because ya it is very tight


so every time I make sure that it is very secure so if if they pushing right then then I said okay not enough then the technician were they were push in some more, so it's very secure that's how I feel ya so


I think I like the speed because it's so fast and you don't really feel that you are on a very high place it it's just the speed is very cool


ya ya it's but of course some are quite scary lah, no eh I don't know eh I think car racing are not so secured so it's quite scary because


you cannot cannot have a passenger mah, and cannot drive that fast, that one not very secure that one very scary


actually I was slowed down ya I quite afraid that it will you know at the corners so people will say that once you are at a corner actually you must step on step on the step even more like accelerate even more


but it's so scary I see the, I see how people drift off in that way, ya when you are at the corner


why you can go kart mah go kart okay what,


oh, oh ya then that, it's very unfortunate


[oh, nobody knows


okay that's that's quite scary, ya could be, but they always say that before the before it gets better and there will be a peak


that's why people say lah, how about that time when the the robber rob you at, in Paris


do you feel ya what was your feeling like angry, maybe not robber hor that one not robber lah pickpocket, burglar is someone that goes to your house right


okay can,


so do you feel like you want to kill the thief not really kill lah it's like why do you do this


ah, who could have beaten


so that someone steal lah, you share seat with


ya it's like


, ya


ya but it's quite scary right the experience that !wah! you you don't know whether you were without passport but how


, like totally lost ah like you


so luckily you had your phone that's the thing


don't know what to do also, I I think if you even if you ask the local there, they might think that you want to try their try to steal their phone they won't even help you


I mean, in europe is very common ah this kind of thieves, ya lah sorts


sounds like from the movie that kind lah, oh no no no, movie they always they always tell you I cannot share the footage with you


ya that kind of thing ya ya ya, ya quite scary [ah] so if if actually if you had or the end


some mental, positive experiences, oh cause


travel to where #Ang Mo Kio# ah, it


I think travel in singapore ya is something different if you can like just uh use the park connectors I think uh if you can travel ha what is park oh the one that


connects you to different parks of singapore you can either walk or cycle, I think I saw people walk before eh but I think they walk like, don't know how many ten plus hours !wah! he's crazy


ya they really did eh, they already did ehso people just start it lahsome people you see start in the afternoon like twelve o'clock people still jogging, I mean it's a bit not for me I rather sleeplah


no lah not really I mean I mean at at night mah those night cycling that kind of you can use the park connectors travelling in singapore lah


I think this, there might be people but okay that's something we can we can do in singapore ah travel around singapore


hated , really meh


I don't even want to ya okay let's not talk about that I think it's a bit ya lah you can't, (hmm)


ya so now whenever I on the the computer screen then they got all the nice nice picture just save all the nice location first then after that


no no as in now save it first while you see the miles need to save mah so I'm saving oh maybe need three four five years then can go to this I saw a lot of nice river pictures like they're from Scotland england oh look very nice


okay lah free trip


yup, ya


working holiday ya


, ah


now go overseas hard meh that one is, I guess that's the best part of backpacking lah, just free


tourist gifts ya, ya


ya or buy ginseng got bring you to ginseng factories , oh


oh so the those it's quite pleasant to like just self backpack self explore sometimes it feels


ya no money right, no lah but at least better sometimes it's quite interesting that you, any you you just walk wonder by yourself and then you found something so that time you went backpack before so do you like find anything by chance like don't go by the google map like what people recommend and it's just random walking did you do that


viet vietnam, I say your vietnam backpack eh


they can do a lot of things okay oh okay


, oh okay !wah! what he did you do


!wow!, casts hand ah


!wah!, sounds like action movie eh so where was he walking where like why suddenly got this


oh, so he did charity work then what kind of charity work


very hard to remember the vietnamese name


so he did in his own capacity ah !wow! so,


how long does he intend to stay there, oh just just living that moment it will they would you don't ask him but it's quite a rude question to ask right


ya sounds, enjoying himself lah, so he's, ya true also who knows right


oh you only know croatian form the football matches the


I think I think they got known only that time where there were is it world cup ah is it world cup, ya before that I don't think they were known for anything besides suddenly like eh croatia


would they even like I don't even know about them if if not for world cup ha war, world war two


are they like vikings are they the same, vikings is german ah !oops! I'm so bad ha, oh scandinavia


okay, okay


have ah I think the last time I went was vietnam ah ya I don't know but I think there're different side


I think is the #da nang# #da nang# area but surprise, ah surprisingly got a lot of korean eh funny ya I thought that kind of place I don't know lah I don't know why like all around I forgot how I managed to travel


don't know, no leh it's quite a chill place the beach is quite alright I think I I think most people go there and take picture lah


I think the instagram worthy place, it's at some theme park so but from my hotel to the theme park is about hundred USD to just to go there ya


ya but no choice because it's like beach area that's all their transport is really very how to say like if you don't you you don't have, I guess that's how they earn lah no choice


ya but it's so expensive hundred plus, I forgot leh maybe you need ya, you need two two I think to and fro from our spa ya


but I guess maybe the because the drivers need to wait there for you whole day so that's the service lah, ya lor cause it's pretty far but anyway after looking at all the reviews on through adviser things like that


seems like a lot of people go there for the picture there's this famous picture I don't know what like like a ninja arm like you are standing on ninja palms like that like there's this big palm ah, but okay lah that's about it lah


ya ya but but quite interestingly I think the best part of the trip is to find to to find local coffee over there, ya cause you know cafe hop mah go all the way


ya so wanted to try their uh like traditional coffee ya the one with the egg inside ah, but in the end I still feel that it's quite disgusting so I didn't try like raw egg in coffee so I think I still cannot take it


ha, I don't know eh I don't know how they do it eh, uh I thought it's just coffee then put one raw egg inside it's like how the they they tune the stout and raw egg something like that ah but anyway it just sounds too much for me ah still just


just try their normal normal coffee lor ya but but quite cool ah so I went I think the best part is I found this nice cafe like, nice meaning thought like okay very nicely decorated it's okay I mean it's alright minimally style that kind of thing so this young guy was proving his coffee


so he was talking about !wah! his passion for coffee he wants to take vietnam coffee international, so right now he say he's working hard so he say I'm young I'm young I work hard now five years then I hope I can come singapore that kind of thing so !wah!


he !wah! can see where ambitious but I think he is also quite humble, so he's I think he really love coffee right to his skin and bone and I literally mean it because he have like tattoo on his arm


so the tattoo on his arm is like a plant, a plant and like a coffee and the hand something like that so he say that ah this is the origin of coffee something like that like ya so so he really he love his coffee until he need tattoo on his skin


I cannot remember his name cause it not not ya okay I'm very bad at memorising this kind of thing but !wah! I can


I can still remember how he say that !wah! vietnam coffee is very underrated but his eyes are like, watery teary that kind like !wah! I really how to bring, vietnam coffee out so the whole session was ya the whole session was quite


lesson like !wah! he he at least got his plans you he he knows what he wants to do ya how he can achieve it like, how ya


ya but one thing is , uh ya ya I guess


no long lost friend lah it's just sharing somebody experience like, not from watching the movie so it's like very realistic and the thing is while, the cafe we got to like go through like


like residential houses like that you don't even know whether is it the right spot the places around is quite dilapidated like quite, not many ya no proper walking through then you walk past people backyard like that like people eating rice like that and like oh okay so I was like can understand why the coffee culture cannot take off lah because demand lor


the demand maybe not as much because I think people is living their daily lives and going for this kind of slightly more expensive coffee is really ya they don't earn much mah


ya ya ya their their own


ya, true true true !wah! but but that guy was quite interesting he let he let us taste vietnam coffee espresso, is is so thick


it almost taste like vodka, I don't know why it dip coffee overnight, uh vietnam coffee it tastes like, vodka I don't know there's this own taste like !wah!, so, very very strong it's super concentrated that I didn't know coffee would have this kind of


a curry taste like it just evaporate the the feeling I don't know how to say but , okay lah but I won't drink it lah I won't drink it daily


like you cannot imagine this kind of thing exists like !hey! quite interesting , ya, ya, wait till he earn money lah then he comeback come to singapore open shop okay


financial related topics, yup


well, ya so in your case right because now we are in a very low interest rate environment and you have a lot of excess cash


I wouldn't recommend you to buy bonds or invest in bonds ETF or anything because the returns you are going to get is maybe one percent two percent it's not it's not that worthwhile what you could do is you could just look at


purchasing stocks you can buy a lot of different, stocks in different industries to get diversification uh and lower your overall risk because right now stocks are actually quite fairly priced you can look at DBS you can look at other stocks as well uh so


I I think because since you are young we shouldn't be looking at bonds ah are you can look at stocks instead and and not just in singapore but also in the US and all uh and you said like you wanted to plan for, it if you're afraid of like putting most of your money in stocks right you can also consider uh maybe just allocating a portion into this this recently there's this product called Singlife it's an insurance company Singlife


yeah so it's an insurance company but it also acts a bit like a fixed deposit where they give you two point five percent compounded interest on your first ten thousand dollars and you can withdraw it anytime and there is no uh fall below fee there's no withdraw fee so you can consider that


so in the meantime when when you're waiting for any opportunities you can just park your money there first to earn the two point five percent interest ya that's what I'm doing now ah


correct correct you can you can because they do the transfer by FAST so you just press withdraw and then in a minute the money will go to your bank account and then if you want to deposit into Singlife is also through FAST so ya it's very fast , ya Singlife sorry


uh it's a singaporean company regulated by uh MAS and your deposit is also guarantee up to seventy five thousand dollars by SDIC so there's not really that much risk ah, so you can consider that


yeah two point five percent it's actually a lot better than like singapore government securities if you buy the SGS bonds right now right I think the rate is one point something percent ah because the interest rate now is almost zero percent, the singapore government security bonds


I don't know if you heard of it before yup,


when if we are going into recession we'll probably see zero to negative percent interest ah because the government will have to stimulate the economy by having very low interest rates right so


my what I think will happened right is that the stock market will not crash again because I think investors have already priced, in to the current stock market like their expectations for third quarter fourth quarter twenty twenty so it's actually quite fairly priced already that's why you see stocks they are not as high as they used to be before the virus so


you don't have to put, a large amount of your money into stocks right now you can put into those that you feel comfortable with those big names like DBS because right now it's like twenty one dollars twenty twenty one dollars you can go into banks you can go into like Comfortdelgro you know all like those dividends dividend paying stocks like for REITS


but REITS you also have to consider like commercial REITS maybe not going to do so well office REITS also but industrial REITS definitely they will because you still need factories and warehouses so you can consider like Mapletree Logistics Trust and all so you don't have to put all your money into stocks ah you can


while you are waiting for the right the right time to buy in right you can just park your money into Singlife first two point five percent interest you just put it there and then after that, when you feel like okay the stock is already priced in just you throw your money and then and then go and buy the stock that would be what I would do ah


ya that's what I'm doing now, correct that's what I'm doing now and actually a Singlife thing they also come it also comes with a debit card lah but I wouldn't recommend using debit card I would just I would just use the app because


ya I will just use the app to get the two point five percent interest and then every time I need money I will just withdraw and and use , my original bank's debit card or credit card yeah that that would be what I would do, uh for now ya


for because for now this is the best this is the highest probably the highest paying interest, account ah, except for CPF ah but I wouldn't I wouldn't recommend self topping up your CPF first because you don't need to pay tax yet cause when you top up your own CPF you get tax rebates but we are not paying tax yet so I wouldn't recommend that ah


maybe if your parents are paying tax then you can ask them to top up to their own CPF and your CPF just to get the tax rebate but you yourself topping up I wouldn't recommend


while don't have to wait until like the next sem because every day that you don't, earn interest is wasted lah cause


even though inflation is low but you know it's still wasted you waste maybe like three months six months worth of interest like for personal experience , if you put ten K into that Singlife account right and everyday it compounds at two point five percent, I think by the end of the year you I don't know the maths ah probably like two hundred dollars or something just for letting your money sit there


it's uh daily compounding, and they credit it monthly ah, ah ya daily


because I'm I'm looking at my app now so I I have ten K in, I I forgot what's the restart date lah but now about ten dollar plus interest already ah, for about five days I I'm not too sure, five ten days ah I I think ya I think I think the I think the reset is the middle of the month


the two point five percent interest the quoted rate is per annual oh per annum, but then the effective annual interest


you must go and count ah should be should be around the two point five period but it because it compounds right so it's quite worth lah, ya so maybe we go on to another topic ah


uh what about FIRE you have you heard of it before I I think last time kendrick yup last time one of ya, someone someone told you right someone told you right


so what what what do you think about FIRE have you had after that person said have did you like consider, like researching about FIRE, because it does it sorry because it has a lot to do with like


investing also because just working alone is not enough to like attain FIRE so have you have you thought about it


ya actually I would also do that like I I would invest in stocks and I think doing a side business in singapore is a bit hard because work is already so stressful then at the weekend you wouldn't really like have mood to to to do your side business or whatever but


actually in singapore is very hard to achieve FIRE because you have so many you have a lot of bills to pay taxes to pay parents to pay their bills and all and then most of thirty six percent of your salary is locked up in CPF right twenty percent on your side sixteen percent on your employer side so it's


very very hard but uh I think one way can achieve it is don't get married ah ya, that that's one ah, this one way I think can you can help ah to achieve FIRE


uh to be honest for me I don't have set date ah I don't want to put a year to it, because as long as I can as long as I can work probably work lah even if because ya lor as long as I as long as I can I'll probably work


no lah I wouldn't if I had children I wouldn't burden them, as long as I can support myself right, then I wouldn't really, tell them like oh you need to give uh pocket money you know because it's very hard for them also right now cause we are I mean okay I'll I'll share some experience cause I was doing some research ah


the baby boomers are the luckiest generation ah because they came out of the war their wages rose don't know how many tens tenfold ah even parking their money into POSB they can get eight point five percent compounded interest so in seven years their month ya eight point five percent compounded interest so in in


seven years their money will double and back then also HDBs, HDB prices they didn't factor the land costs so you could buy a flat in like I don't know #toa payoh# for ten thousand dollars and then right now would be worth two two hundred thousand three hundred thousand dollars even though the list is decaying but at least it's still a place to stay in


whereas right now if we look at a normal BTO in a in a in a non ya in a non-mature estate is really two hundred thousand to three hundred thousand for four room flat, and and if you use your CPF to pay for your HDB


then you also need to pay back the accrued interest two point five percent that you, you know cause you took out from CPF so when you payback you need to payback if accrued interest so it's very very hard to, to retire early ah to be honest ya it it's probably almost impossible lah, unless ya it it's


oh definitely because thirty five year so if you're single you can only buy a two room BTO so by then a two room BTO is like hundred thousand you can even buy yours flexi forty yearlys kind, to last you maybe until about seventy five eighty years old right


that is if you don't plan to get married lah, so that is, ya it's the backup plan ah but it's it's very very hard to retire in singapore like compared compared to our parents generation right for us


, I think wages are quite stagnant also I don't think there's been that much fuel growth compared to inflation, uh yeah it's


I mean also we are we are going to graduate soon right like in two three years but we don't even know if this virus will be if for me especially like aviation I don't even know if, the sector will recover in two years then maybe I'll be forced to work in a sector I don't want to then


, I don't know how I don't know how to, because I think one important thing about like FIRE also is that you have to work in a job that you like ah so that you can push yourself if you don't like your job then how are you going to Chiong for all the promotions and all right


that one that one is ya but ya one of the questions, in a post COVID world what changes are you making in terms of your spending or saving, for me actually, I don't have that many changes cause before that I have really, been saving quite a lot but what about you


but you think like you have any lifestyle changes, for me, for me personally right because like I live quite near the MRT so I walk but , uh but actually one of my spending habits that is like I I I don't like walking so I went to buy a bike


just do it so actually ya I I don't know why but it was only post post virus that I decided to buy a bicycle and then I realized actually if I buy a bicycle then I can do uh other part time jobs also like my flyer delivery


no lah like flyer flyer delivery the flyer delivery that one I I did that time ya so somehow , ya, ya it worked out lah yes


ya I, IPPT coming soon right !wah! that one also financed right need to get the five hundred dollars , , ya but


but, ya it's ya, no lah but it it's still it's still quite relevant because instead of instead of spending money on the gym now we realize that we can actually just run around the park because when the gyms are closed


I mean I don't gym but I I I bet a lot of people realize that actually they don't need the gym membership they can just go to the fitness corner downstairs so a lot of people they would have changed their spending habits that way, ya for for me not really


now you can use them lah now you can use them but I mean even things like running suddenly everybody started running right so, in in a way they also saved on, they also saved on all the gym memberships and what not


but then it will force them, but at least at least it forced them to rethink like do I really need a gym membership that I can save this money and channel it somewhere else, right, can even buy like home equipment save money also


negative experiences !wah! too many too many you can you, okay


let's see describe a time of which you felt betrayed I think this one was very recent ah, very very recent so I on social media I I posted something that, it's not


how should I put it it's not, uh a common view that people share and someone who I thought was a close friend, went to screenshot that post and posted it on


her instagram account and calling me out but blocking me from seeing that post it was only through other less ethical means that I found out what she did


and by all means I think it'd be good if people can have an open conversation, but to do that, when I when the privacy setting was set to friends only


it's, how should I put it ah yeah it's just outright betrayal lah if you have something wrong, what you don't agree you know you can just say it text privately have a discussion have a debate they don't have to


resolved to all this cancel culture and all just to prove your point, and , yeah that the it in a way it was good that I managed to cut off lah so there's some closure but


but yeah that that that, yeah in the simplest sense it was betrayal ah


I think it was I would think it was heat of the moment the spur of the moment when she decided to do it maybe because that time also it was elections period so emotions were rather high even if you're not, you know interested somehow you'll be interested


because it's the topic to talk about right so maybe she felt that you know she had to do something and then she did what she did, uh, yeah I I still wouldn't think that my view is wrong ah


but, the purpose ah, I don't think it was to shame me honestly I I wouldn't think that it was to shame me lah because at the very least she still censored my name


ya ya but, I I think you have to understand also I ya lah it's social media right but then there is also that sense of mutual respect that you know if you share something that can only be seen by your friends then they should only be seen by your friends I think it was that that triggered me because she broke this unwritten like social rule


that I couldn't accept so ya


uh ya definitely definitely, definitely of course then I wouldn't consider betrayal because at least I'm seeing it uh I don't have to resort to other means to know about it, you know if you if you want to say something right then have, have the


courage to face it ah if someone is going to confront you about it don't hide behind and block people, right that's that's one thing that I cannot take that people hide behind a certain anonymous account or whatever okay maybe she use the personal account then it doesn't take away from the fact that she hid behind


uh something by blocking me from seeing it so I I was not I was not happy at all, , yeah but maybe maybe you can talk about others like, let's see uh, maybe you can describe a time when you felt like giving up


that one I think a lot of people should have , maybe in school in army


never mind lah just person one person to lah I I know I know


well it's better than doing the whole, uh it's better than doing the whole thing again lah because I did the whole thing again


but speaking of the same test right because I my team did it twice because of me the first time we were the fastest we came in about thirty minutes sharp thirty minutes but because in the smoke chamber my mask actually fell off because I had too much sweat


and then my mask just fell off so I actually breathed in the the tear gas and then I was coughing and also I just headed for the exit and we were disqualified and honestly that was one of probably the second lowest point in army lah the first will of course be the drive through incident


but the second one was ya I because of me because I did probably I didn't wear my gas mask properly uh when we started, so we had to redo the whole thing again and I made four people I brought four people down with me ah uh I mean they didn't mind right but I think they must also have been uh a bit upset that you know


we have to redo the whole thing again but the second time you know the same thing happened actually the second time that my mask started to fall off again because of sweat !oops! excessive sweat build up but that time I just you know, breathed in the tear gas ah and just suffer a bit because I really make them suffer once ya but that was quite uh bad point in time right


ya, !wah! now I don't really feel guilty already ah because for other tests like, the, all the evaluation test also in the end I still carried my weight and help them also so it's even out lah in a way


but back then you know because we are still quite new right, and then didn't didn't want to piss them off but ya , K ah they were still understanding lah eventually so it was it was okay I mean it's a team effort so


I mean some people really at the end started coming out with all sorts of patterns to avoid stuff but I think


ya, we know we know who are the real ones ah that, while okay recall a situation where you were forced to change your plans against your will both of us can talk about this ah for a summer school


maybe I'll maybe I'll start first lah, so I was really looking forward to going to denmark for summer school to clear my modules also but because of the corona virus I was really very very upset at at china lah at the country you know like why why why must they eat bats or whatever you know like


at this for all the world I was just so so unhappy because really set aside money and all to plan for this trip and now they say oh we cannot go so, to make up for it I I applied for uh summer school in korea online summer school at Yonsei university uh but one by one again they started to drop all the english classes and only offer them in korean


so I wasted like a hundred dollars for the application fee and then I didn't participate also so now my third choice is to take, , uh holiday term modules at NUS and honestly it's not ideal because


they forced you to learn, uh content meant for like thirteen weeks, they forced you to learn it in six weeks and they don't give you like the one week's study week before the exams so my my exams are in three days time and I don't feel


prepared at all and probably, I'm not going to do well lah in both of the modules that I've I enrolled in so, I mean in in the long term I I managed to clear two modules and probably I can graduate early because of this


but, right now it's not I'm not really sleeping much recently because there's so much work to catch up on and my group members for one of my modules they are, to put it simply they're social loafing because I am doing all the work then they think that they can just you know take me for a ride I guess


and not do as much work so it's quite quite stressful ah right now , well what about you


I I I think it's too late to do anything ah because the project is during two days I've already written the script for them all they need to do is just record themselves, same stuff


but I mean I mean what's, what's done is done ah I mean ultimately my grades are also at stake and as much as I don't really want to care about my grades but I don't want to fail either, otherwise it would make, this special term like a waste


it's only about three more days ah and after that we can go for lunch ah , ya what about you eh forced to change your plans against your will


ya I face the same problem also , ya, same ah but what to do sometimes it's like that right


ya, at that point in time you know you just trying to you so angry you just trying to pin the blame on someone but actually ya you can't really blame anyone for for it lah it's just it's just like that lor


let's see, uh


this one is actually not personal but there are some things I see people doing that just makes me cringe


let's think , !wah! embarrassing moments that make me cringed while I think one of the things that makes me cringed the most I don't know if it's embarrassing or not but people trying too hard when you know like putting on an accent or acting like someone they are not


uh especially in school especially in business faculty where they tried sorry, ya I cannot stand it that's why I feel like I don't belong in my faculty also which is partly the reason why I am not very happy in school ah


cause I just, uh simply put I hate my faculty ah and the way they do things and everything is, competitive you know uh it it's a it's a it's a good reflection I think I told you last time it's a good reflection of the actual world ah competitive only uh and usually outspoken people are the ones that get the recognition get the opportunities you know you know I guess business business faculty is training you that way but


uh for me I don't have I'm not a very ambitious person I don't want to go into banking or whatever so it's not it's not my it's not my style lah I guess but there are many ya


ya but ya [loh] a lot a lot of embarrassing things happened in business faculty ah


, uh right now what keeps you awake at night my bad school results I guess


(uh) there are only going to go downhill from here (ppl) that's what I feel [lah] okay


positive experiences, uh, let's see uh


I mean I guess it's you ah because everytime I , I mean even in army, uh, actually more more of more more, you helped me more after army lah cause when I went to uni uh I didn't really know anyone right and I mean you are different uni


ah but but uh, at least can talk to someone or something especially my first semester when I, !wah! first semester was tough now also quite tough but, ya everytime just, and deal my nonsense I guess


ya always dealing with my nonsense, ya I know I know I I'm trying to change already, ya no more no more screenshots


maybe maybe you can talk about, uh, when we laugh too hard ah did when what was the funniest thing in army ah, I don't, too many right I think the funniest one for me would be delegating charge ah I think that time I already went crazy already until I laugh so much inside


, ya , I think that one that one provided a lot of laughter afterwards even the vending machine one where where


you know who didn't clean the vending machine and he got punished that one was quite funny ah not even within his control he also got punished, , ya why


, ya what it's funny inside jokes that you and your group of friends still laugh !wah! too many already ah too many, what what else would there be ah I think the time where we put that guy on the top bunk we he was he was sleeping and then we pull him off his bed and then he was holding onto the bed handrail try to did did you see that


that, the the fire guy you remember or you didn't see uh I'll show you later oh but and remember the guy where he was doing something and we turned on the lights and then we, it caught him !wah! too many too many already


okay but I I think I think it's it's a bit hard it's a bit hard for us to share without, disclosing personal information ah so maybe we talk about something else maybe like what what are you looking for


to most after the pandemic ends for yourself


, oh you all physical ah, your your lessons next semester all physical ah all physical classes ah uh most of it ah most ah oh because it's different for me eh for me it's only one physical class the rest all online


oh cause you have lapses is it, maybe cause you have lapse ah


, I think that's that's one to be honest even though I like online lessons because we save on travel time right but actually I also look forward to physical lessons a lot because, sometimes the professors they just cannot teach ah uh on online they always have especially the old ones they always have technical issues with their computer and waste a lot of time so ya what I honestly


I mean as a student ya probably the thing I look most forward to is just going back to school, and like not having to wear masks not having to do safe entry everywhere everyday declared temperature you know these little little things that you know take maybe at most five minutes but it's


just very troublesome mah so ya I just ya I just, ya ya, it's really quite ya it it's really I I don't I don't like it lah like every


time you enter then you need to fumble on your phone log in to singpass !wah! very troublesome lah, but ya [loh], that's that's one really that's the one thing I'm looking forward to


ya it's the minor stuff but it adds up ah , , holiday ah !wah! to to be honest right, just for for


oh no probably the next place I want to go to, is back to japan lah to be honest, yeah I I was thinking of other countries but uh I think maybe will just go back to japan, ya I had enough, I had enough of uh uh


I wouldn't think so uh it's quite expensive ah , but I mean I've been to too many exotic places that I think I need to go to somewhere normal to you know reset my counter because honestly when you married uh like I I mean yeah you know I like travelling right


but sometimes as a solo traveller when you go to less developed countries it's it's quite troublesome ah and sometimes you also don't know what what you can expect because no one speaks english and all so, yeah I yeah I I will I would !wah! now I didn't even think about holiday you know


my passport already expired for like one year already , (ppc), sorry I didn't renew I did I I wanted to renew because I I was going to go to denmark right for my summer school but I didn't renew cause they cancelled before I before I renew lah so in a good way I save money


!wah! but holiday ah, honestly I tell you I didn't even think about it until you mentioned it then but now !wah! now now that you mention it I really wanna go holiday, it's been almost a year already, you will do you have anywhere you you want to go to


okay okay let me, ya, then okay there's one more question what's the best surprise or gift you've ever given someone or I wouldn't okay for for me right


I I've never given people gifts before but I remember that time you and who you know who, oh ya ya oh oh ya I did give you, ya oh I forgot about that but ya but but honestly


I mean I think I think let's try to keep it positive that when you and when you and the other guy gave me, the Nesoberi the the the plush toy I was really quite happy to be honest and I still have it on my desk actually I I still look


ya it's ya quite quite a good kit very good if ya, , yeah what about what about that one that I give you


you should take it out lah you should take it out soon, you can


are are you looking forward to that after that moving back home right


let's see any other questions it's a bit hard to talk about positive stuff when our life is so stagnant the past few months ah , the best meal I had ah


no but I'll tell you the best meal I ever had right, it's not those okay I I don't really eat out that much right but the best meal that I usually have is those like !wah! three fifty mixed rice


no full of meat, like three fifty mixed rice then like tofu chicken meat uh sweet and sour pork and then with curry sauce honestly right since ya but as in eh but it's quite quite good leh


honestly that that was that was what I had almost every day when I was working before NS and uh after NS also then I buy when I buy food also I usually have it and I will consider it my best meal lah because because it it's it's quite nice mah and it's also a lot of uh what's it called ah calories ah


oh ya true ah true ah


!wah! very hard to let me think ah, that maybe you maybe you can share first now while in the meantime I would think


Cold Storage ah, Cold Storage is it or what like the Cold Storage meat section


but you won't get bored meh, but but like you keep eating it you won't you keep eating it you won't feel bored of it meh like the same taste over and over again


oh, I remembered my best meal already though, I I remember my best meal already actually, uh it was when I was in uzbekistan, so they have this their national dish is called uh Pilaf is like Briyani ah you can think of it as Briyani so I went to this place where because I was walking in the rain for the whole morning right uh from like six AM until like two PM plus very hungry already very very hungry uh so I went to this place and


they had what's it called, it's like a buffet style ah so it's like buffet style so it's like you pay a set amount and then it's not more than ten singapore dollars but you get free like constant refills ah !wah! so I just kept eating Briyani it over and over and over again that was


that was the best meal I had, ya, it's just rice ya but they have meat also they have meat and sauce it ya it's really like singapore's Briyani [orh], but uh


different is different lah, but, the the rice is, they're about the same but the meat is different like they have uh lamb I don't really eat mutton in in singapore but ya they they have lamb and chicken meat also so you just try different types of meat and I I think it's


the the taste is good but I think what made it even even better was just that you know you just tired that you wanted to sit down and eat somewhere away from the rain ya that was in recent memory that will probably be the be my best meal lah,


let's see, actually speaking of Briyani right I remember my last day in NS I still remember the last my last meal was Briyani and I'm so happy because like it's the best NS meal


at the cook house ya it's the best meal at the cook house already I like the Briyani the most, I remember thirty first july friday eh thursday I think okay never mind one day before my ORD !wah! Briyani for dinner and I and because I think at that time


there was no one that can eat it except me so I just I just sat ya it was, because everyone like booked out for leave and off I the was only one left in camp, so I could eat I could eat as much as I want ya !wah!, I think maybe the best meal would be the ones that I can eat as much as I want ah


I guess , yeah I guess so but too bad now now we cannot go for buffets right


maybe maybe can consider soon then we can go together ask other people also, !whoa! I think that one will die sia, , that one will probably die of like the oiliness


, uh cannot lah cannot, okay let let's see if we can, describe the time when you took a risk and was rewarded with success


what what [orh] bitcoin, oh bitcoin !wah! not bad not bad


not bad I haven't even created that coin based yet, I haven't created ya after my exams ah after my exams this week I'll go and try, let's


let's see risk ah, I can't really think of because most of the time I take risk it ends in failure I'm not I'm not very lucky


ya from too many to too many to count , uh, maybe I just share a fond memory lah, not maybe not with loved ones but I think like in NS also although there were people whom I lingered but I think at the end of the day when we all completed and we were on the parade square for parade


I think that was quite a fond memory ah I mean two years, and just gone like that cannot believe that two years just gone like that to be honest and then now we're on our way to the be reservist already first year of reservist so ya lah looking forward looking forward to meeting everyone again I guess


probably ya ya we are still one batch mah


ya but most of all most of them would probably go back the same time lah at least the uni uni students, uh so I'll probably be going back with you the same time, but ya I I, maybe we will lah maybe we will


who knows but ya that's one thing I I mean that's also one thing I look forward to when the pandemic ends I guess if they allow us call us back for reservist,


financial related topic, okay so are you regarding this topic I'm actually not very well-versed in it lah it's because I


and then engineer okay at the right so far I don't actually have a income for me to, manage for me to manage properly so what I do right is , I actually still have quite a lot of savings from my time during our


NS allowance ya so I save up, a lot and then right from there, what I do ah uh, uh okay first one I, I tell you first lah it's because I'm not well versed I will talk ah I will say about personal finance


okay alright so what I do is that right, I tend to justify my NS, allowance throughout my time in uni I try to avoid taking money from my parents so what I do is is I is I had to divide the amount


throughout my uh three years of uni, but then I didn't factor in my interns level so I, hopefully there I will gain some allowance also, so for the , investment wise I don't have much what I do is just uh sort of a minor


investment which is in cryptocurrency uh, okay oh so that's a very brief thing ah


but then right if I if I put a fixed, amount of money in that do you think like I will be able to access the amount I put inside, I like anytime I want it's because right now


but but then the interest is two point five percent


but then right do you think the two point five percent is like enough to cover like, inflation has to find out, its cost right now, its cost right now I sort of heard from my friends that that, we are still going to into


recession uh the next few years yeah so it's kind of a


so so do you think it is a good idea for me to like throw most of my saving ah, into the Singlife and then I and then I then I just create like uh, yeah a bank account to like withdraw whenever I want to ah


but then like since now I don't really have an income it's just you, waiting for like next sem ah I do my intern and then I get some allowance


if it so is a, so the if it so for your two point five interest is annual or, is daily two point five


serious eh dude that's a lot leh


five day ten dollar !wah! actually, a reset eh wait so it so your two point five is per annual per month


I think someone back in MS taught me quite a lot about this thing I don't think we're supposed to mention his name ah uh, oh my god man


I don't actually know the specifics of FIRE lah but what I heard from but what I heard from, someone else right is uh, is right what, is what I should consider is the


is a cash flow okay uh I should like I should like ways of a, positive cash flow and and the way to do that is, and the way to do that there are actually right seven sources of income can you which are your salary your investment your royalties and if you like uh and if


if you're like a content creator like that guy right a, you are, you can uh get some other form of a safe, income also, so uh so right I think it's actually quite a good thing lah


and based on what I do, I will try to go for the, I will try to go for more of a passive income kind of thing lor


so when do you plan to retire


if you can wait you can progress so ah, woud you still consider working if like your children or something is like have a stable job, or your children or like maybe even your grandchildren, if they are like able to


support you would you like let them try and support you or would you still continue to work


it's two hundred K three hundred K


well then maybe, maybe by that we time hit thirty five years so do you think we are able to afford a BTO


I think it's actually quite hard to get the motivation to do it lah but then right if you are the kind of guy who would just puts more money with like the money is the goal I think you can be something right, that guy from NSK


and you cannot plan to retire by twenty seven


for me right , I, for me right I didn't actually make plans to like spend or safe ah, but the right is because pre-COVID was my school term, and so I had to stay in a hall


I had to like buy my bills and stuff like that and so like that and so, naturally my spending is higher but now right uh is during the COVID periods still !whoa! I just stay at home and I don't actually spend on my meals ah I just take off my parents ah like take off food lah I just eat


so for, so you plan to drive Grab ah, and do Grab food ah


so somehow did it work out, so like eh so you bike so much


do, do you like see any improvement in your endurance or stuff like that, your birthday is, your your birthday in november right so you're


step five hundred man, but now you're cycling ah and running should be about the


okay oh wait I just going say this this stray out of topic ah


fitness corners are, cannot use them I'm not sure lah actually


gym membership lah, but I know for some gym is hard to cancel actually, is either hard to cancel or maybe they will refund lah


for home equipment is actually, not worth okay I tried lah uh I bought a bought for like, described expensive is like, two hundred dollars from, decathlon why why I tell you is it's not that worthwhile


oh okay would you like to take the lead


do you think that she actually intends to cut off her friendship with you online, or is it like just something in the, heat of the moment when she did something wrong


what do you think her purpose of doing that, of uh but, what do you think her purpose is leh, is it to like to, correct you or to like shame you


so she so she actually just, wanted to, share out your views which she don't support


do you think if, do you think it would be different if she like actually if she like, if she like didn't block you from that post, if she like just show it to you


uh where I felt like giving up, for me right uh, for me right, giving up clearly isn't an option to me but there are, times where, but there are times where I where I


where I like, almost choose to give up for the sake of, for the sake of someone else ah it's, that time, where we had to do our, VOC, okay uh, that time right my group have people like uh


uh bunny joe egg, you think I can hear just say the name, okay lah okay uh, okay okay, okay and so right uh my group just consists of people who are not that


physically strong lah, and I think we were the second last group for the VOC to reach the checkpoint for the, for the, for the smoke confidence test


ya K uh, okay uh, I think the time was around, was around, we were already in the suit for forty five minutes, and, and we were waiting outside the smoke chamber


okay uh so right at depot, people at the top floor already, just hang up the stairs where we right just reached the entrance of the smoke chamber, and then right just suddenly hor uh


very angry he started to kick the wall, and then uh, barney and sam they, they were like just like, making the three point, that, okay they while I just sitting on a staircase


and then like the head right !wah! hurts a lot, and so right as I'm the only guy who, as so as the only guy who is still able to think calmly okay I'm like stuck between all player


whether I should push them to just go through this, is to like just go through this final five ten minute, and, and to like just help them, complete this whole VOC so they don't


so that you don't actually have to do this thing again or should I like just tell the, that we plan to give up, okay so right what I did that time was I was I tried to help them feel better


I help them to, secretly lah I took off their mask a bit I help them to, massage their head which, which to my surprise it actually help ah, oh


and so right uh, and so right, until now I'm still, not very sure if they feel, if they feel very, comfortable about me, pushing them like that it's still sort of feels that


that I like , but I'm still like not sure, whether my call was like a


uh, selfish move or not


it's like it's is like gets you feel


I'm just glad that we all like, manage to still be friends ah at the end of it


but are we're gonna talk about that it, but till I planned to do, anything ah, regarding those group mates where I didn't hidden any stuff


especially done my stress yeah, alright uh mine right uh for my summer school I planned to go korea lah


uh and the reason I decide to do that was because I heard from my brother which actually went to, went to, summer school in korea also and, and most of the time he just like share with me about the nice stuffs he did there


about his nice adventure where he like happen to climb, a mountain, where he like just spend to try the, food and so right it's, so right is probably because all is probably because I heard all this


positive experience from him which made me want to go also, but then right uh but then right, apparently hor uh, what I hear from him and what I picture myself doing is actually is actually not going to happen


anymore due to this COVID pandemic, so right now my plan okay uh, uh is because right, the mods which I'm allowed to take there are actually very limited


okay , and then right the, and then right the, and then for the two mods which I which I actually selected to do there


are, two of my core mods which, which I'm going to do the following sem, ya and so, and so like my problem now is hor even is even if I go for the


summer exchange for next year I don't like actually have any mods to clear over there, and so right now I'm just I trying to fix my trying to fix my timetable around such that right I such that I have some what which I can take there next year


it's kind of a waste lah everybody wanted to go, ya standard ah


but then you can't lah but then, whatever I feel like you can actually blame, anyone for this thing ah, is like I something which we will have


it's like just bound to happen one day by someone, and then they face with all just like just nice to, china and then they get blamed


okay you can put discreet, wait wait wait to when ah, describe the embarrassing moments that makes you cringe


sorry that feel very fake ah, so it like feels very fake right


embarrassing moments make me cringe oh, I remember the time when you gave me the present mah, uh it was so unexpected, , seriously, and then I uh I, honestly I cringed a bit lah but not


but not like a lot but then ya, uh oh my god uh uh say it just like that


[eh] you wanted to talk about what what keeps you awake at night, but your business not that bad [what]


positive experience, okay do you want to go first, okay gilbert tell me about a time when you were helped by someone in your time of need


just darker oh !wow! but then right your, nonsense okay lah should leave it okay remember what I told you, okay that's good that's good


ya the more screenshots


I still think your drive through is the best lah ya oh ah your drive through story my god


ya sia well uh our CSM isn't that that ya that kind of guy but then uh


[orh] dude the test so !wah! he shouldn't have done that oh


you should have let them but but you guys are mean but still


actually right I sort of, get the feeling eh okay lah I sort of get a feeling that my life has, has gone back to normal right now already ah, it's that right uh but my school starts in august


oh my ya lor my, classes will all be physical already I will stay in for and so that my still


I think I think I I think like it's actually more reasonable but I don't know why my school is like that lah, but I'm not complaining ah, oh look, I not sure why is because right


before, before I went to plan my timetable what they listed was, was mostly online, but then like only after I, choose my timetable which, which is not that good ah my


timetable okay , they, they changed like more than they changed more than half of the online to physical, uh with, without like without, not like telling us about it lah so it's like come to us as a bit shocked


but then, I'm not actually complaining ah I think I enjoy physical lesson more


it's very troublesome and it sort of, and and it sort of, they might ask to time in and that's right like okay temperature checked wear the mask


have you planned out where do you want, to holiday next ya [loh], where's your exotic countries


but then like would you consider going back to, korea eh that's true and you didn't renew okay uh okay lah I guess so okay uh can go on


well uh not on not for, holiday lah but then like I but then like for the summer school I actually plan to go to, korea what uh, but then right because of the COVID it had to cancel or right now I would


be in korea enjoying my life that is studying ah, sad leh, this COVID thing so hopefully I hope I'll be able to go again lah next year


you you you give you damn lucky eh, you give it a figurine what the heck !wah! so embarrassing ah


oh this thursday then, well uh it's somewhere in my boxes it's because I just


it's because, but I just moved ah and I don't know which boxes yet and I'm probably going to move back eh to my house in Sengkang, I don't know when though my construction still haven't start


I want to move back sia, but then right now I don't know how long the, construction will take, like maybe another half


okay uh okay what was the best meal you had, do it it if it you're not the kind of person to spend money on


it just sounds like our camp food ah


but then but then right, you can't like possibly have the best meal, everyday what all the time what, there must be like something which stands out a lot


okay lah I'm not sure like in my life the best meal but then right last week ah [orh] I, I went to I went to Cold Storage, and and I like and I bought this


two KG of steak ah, ah it's ya but it's just, is like just a chunk of meat like that, and so right and so right me and my brother ah we like just cut the steak and then we just grill it


!wah! damn nice but then hor somehow my brother he forgot to put the butter, this butter this butter is the oil eh is the nice part then it's kind of disappointing but the


but don't know right the steak like still taste damn nice, you should try it you should try also, ya yup, uh we bought the whole thing for around


forty dollar, and then right if you and, and then right, if you cut it nicely eh wait is it two KG or like around one KG, one one uh


wait wait, we our, we each had like, around one to two inches, of uh of the steak, and there were like five of them !wah!


it's quite worth ah, no ah we just I had it like last week only it's been a very long time since I last had a steak, !wah!, it's like for a special occasion ah


okay speak


so it' like just rice ah just rice and then you top up rice, but does it like tasted any different or like just like same same


like you sit down and eat or it's like NS or it's like NS all over again sia


so you are a buffet kind of person, ah uh, I think now still can [orh], but then right their style change ah is is like those


is like those where you'll have to order instead of like self serve like that, I know now got the


fried chicken buffet ah you want to go or not !huh!, [orh] but then come on fried chicken buffet okay okay


oh okay allow me to go first, !wah! gilbert I tell you just like yesterday or two days ago bitcoin like finally hit ten K after so long, what a worthy investment, ya ya


suddenly hit ten K from like nine point two is we registered around nine, nine point two for a month, or like a couple of months already then I just, suddenly shoot up I straight sell what


should go try it's a risk ah okay but ya is it is actually very risky ah but then like, I wouldn't recommend it but it's just like if you have some spare cash then okay lah go ahead [loh]


oh it eh then you eh, !wah! then then I think you can save that for the next part lah when we talk about your negative experience


it's true if it but when we go back we will still be meeting them right, right we are still one batch but we had to serve a bit longer lah it's because we got deferment right


but then like we won't like get to see wilson and stuff like that [lah]


okay


uh part one financial related topic okay uh uh, so I can just start with sharing right uh some knowledge I have about my financial products with you


so I guess like , like it's really during these kind of uh this situation now where it's like where like the whole country is facing like uh pandemic crisis I guess like uh it's very important for us to like, uh like, uh give out our knowledge on like financial stuff lah cause like it's very important for us like our future and all that lah so


uh maybe I ask you #Yu Chen# lah like in this like post COVID world ah what kind what kind of changes will you be making in terms of like your spending or like your saving habits lahthen I can share my own opinion after that ya


agree I think same thing for me uh ya I mean like of course like uh for now I'm just uh I'm, having my summer break from uh during my university so I actually took up a internship during this short uh three months so I guess that like kind of


like helps me in terms of like financial in terms financially lah so , ya but although it's not like a lot of money but I guess like it's still like sufficient for me to spend during these few months lah especially since like uh you know during this COVID period like people can't like really travel overseas and all that so I guess uh


I guess this extra incomes really extra income really helps me a lot lah , so then uh in terms of my spending and saving habits uh ya like I said just now lah like uh, but due to due to this COVID thing like we can't really travel overseas so I think a huge amount of


like my money is like actually saved up , ya but still like uh I feel like I still like go out pretty often with my friends and all that lah so in uh because of that like my spending would some what increase lah as compared to like, normal days ya so I guess like uh


for that uh I mean like need to do more saving and all that so that's why like uh like #Yu Chen# I have also like I've created this sing live accounts which gives me like uh two point five percent per annum and all that ah so I guess it's like I mean it's although the interest is not a lot but I guess everything all adds up eventually


and ya I I guess like it's important for us at this at this point of time to like start saving lah in terms of like future when you want to get married or like get housing or get like uh cars and all that ya uh so


uh besides that I also like uh, like give out my knowledge on like investment and all that uh cause like uh as like I have like consult a few of my friends who have been doing like investing and all that so I wanted to actually recommend like this uh StashAway


a platform for me to invest my money lah which is uh not bad cause like uh the fees are actually not that low and uh I've been earning money lah so although it's not a lot it's although it's not a lot also but uh I guess uh, it will all add up lah eventually like when I finally need it like maybe like ten years later or what I hope like the money will like be put into


good use okay uh so talking about, spending and saving, maybe uh maybe #Yu Chen# can share like uh


should one should one like actually like own a credit card like uh for me actually uh I do own a credit card and it's actually by uh Citibank I think ya but it's like a student's credit card so it's actually like limited to like I think five hundred a, month


uh of for spending wise lah so I guess uh, like for people who don't have the discipline they won't uh tend to overspend also so , maybe uh I would like to post a question to #Yu Chen# lah like uh after you after you graduate from uni right uh do you think you will get your own credit card like you don't as uh like for this credit card I am referring to those like without the limits and all that lah so you can spend as much as you want lah


ya maybe #Yu Chen# can answer about this


oh okay okay ya so I think for me uh I guess I'm my views are like uh, largely it's the same lah cause I know that like uh with a credit card it brings about like a lot of benefits like in terms of like maybe uh cash back or points or rewards and all that


, ya I mean, there's a lot of benefits lah like rebate on travel rebate on food or all that but I think that uh if you one should really own a credit card like the person like really have should have the discipline lah and he he or she should also have the money


uh uh the mentality to, to make sure that uh he or she don't overspend and ended up with uh end up in like uh credit card debts and all that , so I think that , uh a credit card is like, uh I guess it's something


it's really for different different people I guess like for people who do not have any discipline than I don't think it's very wise for them to, uh have a credit card lah ya, but for myself I think uh cause, for me I don't really use


for me I don't, I think I'm I'm I don't really spend my money so I guess uh ya I probably would like sign a credit card uh after my after I'm graduate after after I graduate from university and maybe like uh find a job and all that lah cause uh I believe like


there are really a lot of benefit like a credit card can bring to one okay uh , okay you can, our next stop maybe you can talk back about like uh in investment stuff lah


ya cause like actually for me I recently I just uh sign up a life insurance plan, with uh with my friend , ya cause I actually haven't had a life a full life insurance plan lah cause like apparently my parents didn't buy for me like when I was young lah so


ya I guess like maybe it's like in the future when I have kids or, something like that uh ya I will definitely find a life insurance for them lah cause like the in uh cause the plan actually cause like a lot cheaper if you buy like when you are young lah, so as compared to now like when I'm twenty five not yet uh actually


actually I'm actually paying about two k, a year lah, for like this twenty year full life insurance plan, so , ya I guess like if you want to if for like insurance stuff right I think it's wiser if you get


if you get it when you are young lah like when you are like, young and more healthy and all that cause actually ya ah talking about like health healthy and all that ya I actually also recently signed a hospitalisation plan, also with the same friend uh ya actually took it actually took a while I actually uh tried to sign up for like this hospitalisation plan like I think two three years ago but I think it was rejected because of my uh medical condition at that point of time


ya when that at like uh this time round like uh they managed to like, uh give me a plan lah, uh which is very useful cause like I think, hospitalisation plan is one the more important insurance plan like one you get lah cause you you never know like uh whatever that or anything that that could happen to you lah so


it's good to get yourself insured lah as compared to like you having to pay your maybe like, uh thousands of ten thousands like during your stay in hospital, ya maybe #Yu Chen# like to share like uh what kind of like insurance or investment plans you are currently having ya


ya I agree


oh okay !wah! thanks for sharing the new knowledge cause I absolutely have no knowledge on income tax but I want to just to check like do you know like what's the rough percentage, you need to pay for income tax


[oh] okay okay thanks for sharing all this (ppb)


uh, part three negative experiences, okay so talking about negative experiences okay maybe we can talk about like talk about like


what we said earlier like about gambling so although like I feel like gambling like do bring about like that adrenalin rush and all that uh I feel that, uh one shouldn't be like, like involve too involve uh him or herself too much on gambling lah because like a lot of the


con that it might bring so uh like for me lah like for me for example lah like uh I personally wouldn't be too happy if I if I happen to like lose a lot of money lah cause I guess , cause I guess to me like money is quite a important thing then uh I feel that like


ya if I lose a lot of money like it's not a good thing lah ya cause like I I can possibly spend that amount of money like, else where, ya but I mean if it's like if you're just like playing like a smaller amounts of money and then I will just take it like okay uh I'm just paying for this experiences lah so it's not that negative


ya, so I guess like , I guess , uh I use phone name, like in terms of gambling I haven't really had like , like very super negative experience lah not like I've like lost like maybe like one thousand dollars or what in gambling but uh


but to me I guess like uh, I feel that one shouldn't spend too much time on gambling also lah cause like uh, like you're just been, use that time to like do something of meaningful, ya so maybe how about you #Yu Chen# do you have anything to share about gambling ya maybe you want to share about like


uh the people around you like, the people around you like, uh approve your behaviour of gambling or not


okay


okay lah maybe we can talk about like cause we know like currently it's like this crisis pandemic period like, maybe like do you want to share about like some of the worries and anxiety that, you think you might face in the future and especially like with the uh you know with the recently uh general election in singapore ya I guess


people are more vocal about certain issues uh maybe for you do you want to share like , one of the some of the worries or anxieties that you think might occur lah so I guess okay lah maybe for I I just share a short one for me lah maybe for me I think that one big


issue is probably in terms of uh job hunting when I graduate like one year later lah , cause I know like from a few of my uh, senior friends who have recently graduated, ya who have recently graduated like uh just uh two three months back they're still like actively searching for jobs and uh it hasn't really been like


very successful I think only like uh one or two of them like happened to get a, job and even if it's a full time job if I'm not wrong there are only like contracted so I guess like but I also do have friends who like uh have already sign like a full time contracts before like


like a way back so they actually like secured the job already so I guess uh it's very lucky for them lah but for me personally I think I'm quite , worry about like uh what may come like after you graduate, ya


because I think like uh after you graduate like, I guess like uh it's very important for me, to find a job lah, cause you know I shouldn't be like uh relying much on my parents and all that anymore right ya, so I guess uh job hunting job searching is like a


one big worry that I have lah for now like in view of this uh COVID pandemic situation lah , then I also hope like like maybe the, maybe, hopefully the daily cases in our country would, also fall to a minimum ya so that


this economic downturn will be like , for too long lah cause ya I it's a it's a it's really a very terrible thing lah I guess, ya, maybe you like to share you like to share more about your your thoughts


ya it's more niche lah I guess uh, that's why you really require manpower


ya maybe you can start to share first


, okay okay so I think for me luckily like I haven't really encountered any scams online or offline ya but ya one thing I have to share is like uh one of my friend actually got uh scam online uh he said online I guess ya and


ya I mean although like it doesn't really concern me but ya I do feel like uh angry and negative, because like uh it's quite it's quite stupid and dumb lah so I feel that she shouldn't have gotten scam lah cause like maybe I would like to share like this uh like what happened actually so uh it's actually like a one one day when we're like uh having like this dinner as a group


so she actually uh received uh, call uh no I think is I think uh, a message instagram message from her supposedly friend, like asking her like , some uh o OTP for like uh the Grab account or something like that and uh she just uh willingly give


the uh her her OTP to , the person online, uh and end up like the person wasn't actually like her friend was actually a impostor account just that like the user name was like one letter or something like that and and end up end up like she she got scam I think five hundred dollars total


so uh like I mean as friends of her like uh we all very angry lah of course like why at that point of time like she didn't like even consult us cause , cause I mean it's quite obvious that you shouldn't give your OTP to like uh any stranger like uh even though it may even uh even even your friend lah I feel