wait ah , what keep me awake at night I think my insomnia like recently I cannot sleep like just cannot freaking sleep I keep turning here and turning there ya


for me also like I'll just, stay awake at night thinking whether I've enough sleep, for for the next day and then it turns out I don't have enough sleep cause the whole night I'm thinking about it ya


positive experiences


a travel experience that left me in awe will be back uh, when I was eighteen which was like what, two years ago so eh wait sorry three years ago so I went to Punjab Kashmir and then uh, on my eighteenth birthday me and my brother we like rode up some ponies and donkeys like up the mountain top it was just me and him cause we share the same birthday and then we were just there


and like just seeing like the view like the mountains and trees and then talking to the locals there only me and him which was pretty cool cause it wasn't like a typical singaporean eighteenth kind of birthday where like we are finally legal and like go to the clubs and drink and all that like you know something pretty unique


so until now whenever I think of that I'm just like !wow! okay I'm really blessed to have that kind of experience for my eighteenth birthday, so ya, what's the biggest reward you ever received after doing an awesome good deed, uh I think the biggest reward, that I've ever received would just be that humane feeling of me after doing it so uh


few years ago I went to like a charity home in malaysia for like the disabled people and then like my family like gave out foods and like pampers to them so after doing all of that and I felt pretty sad, while doing it because really didn't expect to see like humans living in such condition like or having that kind of lifestyle so after that like I just kept reflecting and then I felt good because like okay that means I'm doing something purposeful with my life rather than just like sitting down and doing nothing so like that small moment really like gave me a bit of hope in humanity lah


describe an experience when your faith in in mankind was renewed , simeon you want to go first


mine was also like few days ago where it was like raining and then uh I was under the I mean I had my umbrella and then but my umbrella was like a very small umbrella so I was only able to cover me and then uh we're at the traffic light and then after that there was this old auntie uh she did not had anything so I was I really wanted to give her but then


there was someone else who had a bigger umbrella and then the auntie offered her the other auntie like to come under her shade and then okay lah that made me smile I was like oh okay even though I could have given it but then she went ahead and gave it first so like okay that that uh made me feel like humanity was uh renewed for a bit


so ya , what ah, what leads you to experience an adrenaline rush, uh oh, okay simeon you want go first


understand uh for me will be like, exploring areas where I know is super high risky like I know that the like any moment I'm just going to die so like oh okay that's kind of fun so I like to do that so I like to just like explore like all those urban areas and like those like enclosed areas where like they don't allow trespassers to go by so that's my kind of adrenaline rush


ya , what was the proudest moment of your life, (oo), okay uh mine would be , going uh will be, suffering two years in ITE and then doing my best there to go into poly so ya cause every time during that whole two years


I will always be crying going to school like major depression and then just like I just didn't want to live properly and then somehow I managed to do it and then like on the day where the results came out and then and then I was promoted to go to IT ah super proud of myself so until now that'll be my proudest moment of my life


what what makes you want to be alive , , uh see your value


uh for me uh, what makes me want to be alive it's just knowing that everyday I can just achieve something either big or small so that's kind of cool , so ya like and then that small achievement can really like impact my whole day so ya that makes me want to feel alive right now


uh what is a skill or an ability that you secretly proud of having uh this would definitely be my driving cause I recently passed my, my TP and I know a lot of my friends around me have a driving licence so that is like a secret flags for me right now but ya


eh I also can , , that's nice


now ah describe your favourite activity to unwind and relax


(oo) , mine like mine would be just be like opening my windows just like chilling on the bed and stoning usually just stone and stare at the wall with like some happy music and then like maybe smoke a cigarette or something by, that really like help me relax like I'll be in my full zen mode there


okay, despite the ongoing global uncertainty what makes you optimistic about the future, uh one thing I'm really optimistic about the future is where like the young folks are much, more way educated way more


open-minded and like that ignorance within us isn't that much as compared to like the older generation so like I'm really like stoked in seeing how these young folks would really be in like parliament and like changing the world for a better like and like more equal for everyone so ya


this is so random but uh, wait where where is it uh, describe a time when you made a comeback that everyone shut up, uh, eh wait that shut everyone up mine was yesterday


so I was working in the gym and then this lady she came up, to me like I think she had bipolar disorder I'm not really sure but she looked like she had it and then she came up to me and uh she wasn't aware that, she was supposed to take her locker key and go to the gym


so I passed her her locker key and then she went off and then like thirty minutes later she comes back and then she start shouting at me she was like what's your name and then I'm like uh I'm devin and then she was like you're being very rude to me, then uh I, I was just like starstrucked I was like !huh! and then she was saying you're being very rude to me your body language is super angry why do you look so angry I was smiling at you then


I just said uh, I cannot see whether we are smiling at each other because we are wearing a mask, and then she was she just she just stood there and didn't know what to say and then she started like blabbering on about other stuff that I didn't even do then the moment I say that everyone just like wait like !whoa! devin like chill cause


they said I sounded angry but I wasn't I'm just like stating a fact like can't see our expression when we are wearing a mask so how would you know


got what other questions ah, oh what amazes me, it amazes me how humans are so intrigued by is like little or stupid stuff like this smallest thing we are just like (oo) my god that's so like


like what like okay like slime for example or like mukbang like why do we watch that even though it's like useless but why do we still do it you know what I mean, ya like ASMR like what like why, do we watch it even though it it's nothing it's like there's no purpose to it but it's so cool to see so ya it that human


that human nature of us is just like that amazes me lah like how dumb in a way we can be


what is your best surprise, oh oh okay


best surprise oh okay my best surprise will be , me unexpectedly passing my driving uh driving test cause uh during the whole, examination, I thought I was going to fail because I was like looking through like the demerit points and what I'm failing at and what I'm doing good at so there was a point of time where like he did the emergency braking where like you're supposed to slam the dashboard and you're supposed to stop


so , I didn't do it properly I didn't execute it out like how it should have been and then if you never do it you get a immediate failure for that so, uh , after after that whole situation I was really demotivated I was like !alamak! confirm going to fail one lah like what's the point of doing it already


so just nice when uh the test finish he was like he ask me how how do you think I did and I told him honestly lah like I'm going to fail I'm going to fail then he was like oh no no no you didn't you passed then I was like !whoa! that it was it was so unexpected so like that was like the best surprise as of now so ya


, what ah got what other questions ah, when did you blush the most describe that experience


oh ya I think I blush quite recently at the McDonald auntie oh very embarrassing , I ordered McDonald, then , I order ala carte then the auntie was like !wah! you very handsome ah then she put for me the fries then she just give me then I was like (oo) okay like I just I don't know I just felt so


(oo) with that feeling , so ya


the feeling of blushing is so weird , what rosy cheeks


ya the same as devin like I have two accounts one for expenditure and one for savings so when my salary comes in it'll go into the expenditure account so from there I'll take out about three quarter of my


earned money and put it into my savings and then with the one quarter left I'll manage it with, the, important things and maybe shopping or anything which I want to do with it


ya for I agree that getting married in singapore is really expensive , I would recommend to someone who's planning for like starting a family and all to do what's most important first so like probably saving up to get a house first instead of buying a car because to me having a car is like a luxury is a add-on so you shouldn't


that shouldn't be one's priority at the start if you're, looking to start a family and all so they should save up to get a house and then plan on for the future add-ons which they want to do


uh for my post-COVID world I think it's relatively similar to, pre-COVID because I do save quite a bit but the only time I was struggling is because during the COVID period, I was jobless cause our the stalls had to close and stuff


so during that period of time we had we don't have money to spend like on the spot from our from our earned money so we had to uh so I had to take it out from my savings and stuff, so I felt like it's okay uh to take out quite a bit since it's a crisis which was happening so to me I can just continue whatever I've been doing cause it helped me in one way of or another


ya, okay uh for someone in debt, I


would the first thing I would tell the person to do is do not have a, credit card I feel like every debt situation starts from having credit cards cause you have to get a loan and then with all the interest and all they have a hard time paying it back so number one is to


uh stop their credit card like cancel it and then slowly start saving and to pay off, bit by bit that's the only way to, go out of it because if they have to if they continue with their credit card situation like their expenditure and all it's just going to pile up so it won't really help them in any form of way


ya to me I feel the same I would advise people to go against it because to me having a debit card is like, more essential cause you are just spending from what you have earned instead of, getting credit and the money all piling up and stuff so but if one were to get a credit card then I would totally advise them to if they are spending in the month itself


they should try and pay off what they have spent in within that two months range so it doesn't stack up on top of each other, and make like a huge, debt kind of situation, ya


I agree with devin I feel like that should be the case for someone who's retiring , I feel like they should not solely depend on another person like if you want to retire you have to make sure that you , uh can retire without depending on others like you can provide for yourself otherwise it's really going to be very difficult for whoever who is going to help you in (oo) when you decide to retire so it solely based on the person itself


ya, uh CPF, I think, I think it's a good scheme that the government made because we can use


the money in it for our house and all but uh one thing which I do not really like is the fact that we can't withdraw the money I think it's their fear of, people recklessly spending it, which will result in no money in the end at all


but ya I think it's a good way as it helps us in the future


I think okay since I don't, really know how to financially plan other than the fact that uh, uh I know how to segregate between my , earned money and savings I think I would go to a financial adviser to help me with that cause they'll be more professional in that sense and they can provide us with better information or anything regarding


the portfolio info stuff ya


I spend my money I would say I I love spending it on my siblings like because they don't go out much so and I'm the only one among my siblings who are who is working so sometimes I get them like like donuts or whatever they want or I buy them clothes online


uh which expenditure is justified I feel like spending for my siblings is justified I think they deserve it , and what have I been spending too much on I've been spending too much on clothes like shopping online


it's so sad because of COVID we can't go out too much so I've so many clothes which I haven't worn yet but I still keep buying them because I feel I don't have enough so that's an issue on my end


ya I agree with devin also like if you feel like you can manage it on your own then why not like you don't have to reach out to a financial adviser at first


but if they but if really cannot cope and you feel like you need a lot of help then you can go for a financial adviser


ya my cash flow is good too I would say because, , I plan out my working days and my how much I should save, accordingly so, generally quite well-structured I would say


uh I agree with devin, uh, if you are good at something you should work you should you know share with others and then you can, make money out of it to uh another way to earn extra income is I've many friends


who are doing investments, at our age I find it very interesting but sadly I do not really know much about the business aspects or investment part so honestly on a whole I'm just scared that I'll be losing more money than earning anything ya so


quite afraid to start or go through that route but if I were to ever have a chance then uh to be taught on how it works then yes I would take it


uh I do have the habit of saving also I kind of wish I started earlier uh how do I ensure I meet my saving goals I always tell myself that if you're going to be earning this much for the month then you have to segregate and keep


at least, half or three quarter of whatever I'm earning for my savings so that's what I always tell myself like every month so I've have to make sure I get it done otherwise, I'll think to myself that I'm not hitting my expectations so I shouldn't go lower than that ya


five years ago I would tell myself that it is not really necessary


to spend on so much clothes or, spend on things which people have and you think that you need them uh five years ago, I've had friends who just started online shopping so to me is it felt cool in a sense like !hey! I want to online shop too so uh I might have done a lot of


online shopping for unnecessary things so I feel like I'll tell myself to not go down that path again and maybe just use that money for something necessary so I can save for my future and so it'll be beneficial


I don't really know much about insurance


ya almost like okay okay, yes I think my my father applied for us


like for the medical and


ya I I think it's a good way too because especially for large family if, I mean we really do not know what's going to happen so if anything occurs and they and my family or whoever cannot pay a lump sum on the spot then


uh the insurance will help them have a ease of mind because it'll already be covering quite a bit like a lot or maybe all of it so you can just claim , or anything and they don't have to worry about the money on top of what happened to the person itself so I think it's a good thing to have medical insurance


do they have insurance for, for old age I think they do because there is this plan, for, AIA or something like you save for your savings and then only after a certain amount of years then you can take the money out so when you're really old


so I feel that's the that's for the retirement yes ya I think that's really good also because, , when you keep putting in the money then you won't know how much it'll accumulate, so at the end of it when you really need it when you're old and you take it out like oh I've so much money like they probably can go travelling all that kind of things which they can't


do ya so I feel that's a really good way to invest in your money or anything insurance related


ya I agree with him to like why would someone why wouldn't anybody want to have their whole life insured


because it'll cover everything we'd ya we don't really know what's going to happen so in a way it'll still benefit us, so it'll be good


ya I agree with devin also because if it doesn't really benefit us


or help us then I don't I don't really see the point or the benefits of that insurance itself


negative experiences, okay


I think it's the Netflix show where we watched the marianne uh, yes the one I think the part where for


those who haven't seen it on Netflix right I think if they can't handle gory stuff they shouldn't be watching it uh it was the part where she was plucking her teeth out and putting it in the bag with the pliers oh my god I really couldn't watch that part it was very


disturbing for me ya just thinking about it is horrible


oh my god


oh my god okay


really remember a time no ya uh, uh


, something which made me very angry it had to do with my sibling so my brother's on his holidays and uh my cousin has a dog


and so the dog can't be left alone because the dog has like separation anxiety so you have to be with the dog whenever no one's with him, and my cousins were out like they were working and my aunt had to follow my


grandma for eh for medical appointment so there was no one at home so I had so somebody had to be with uh in her house with the dog for about I don't know three to four hours ish, and on that day where she asked if I could help I was having school like home-based learning and my brother was on holidays


but, so I asked him for help like if he could go in the morning cause they needed me to be there at at eight AM sharp, and then my lessons only started at ten so this meant that I had to get up early and make my way down there and travel uh and have my lessons there and then I was just asking my brother if he can go in place of me because he's totally free so why can't he just help


and he got so annoyed with me and he got so frustrated and angry like as though I was the one who was doing something wrong and it made me really very angry because whenever they need help or whenever they need anything I'm always, there to help them like as a as the older sibling I always try my best to help them in every way possible


so why was it that when I needed help nobody, wanted to help me so that was why I got really angry I just I just told him you know what like forget it I'm just going to do it on my own I don't need your help I don't need anybody's help so I went there the next day and I had my lessons there and stuff ya so it really made me very angry ya


ya I also can't with people who are racist like, people always say that singapore is a multiracial society and all but it's really not not the case like there's so many people who are racist here and


I feel they should just grow up and know that there are going to be many different races and many different types of people everywhere in this world so no matter what they do they should respect each and everyone and another thing which physically disgusts me is when you go to the toilet and there'll be someone like


in a public toilet okay and there'll be someone brushing there or or like gargling or making those really, old uncle spitting kind of sound ya I I really can't I find it super disgusting it's really gross to do it publicly ya


for me in singapore no actually not only in singapore I feel across , uh they should really work on racism it's really a huge topic which nobody ever touches on and


whenever people think that they are doing something so mild they don't even realise that you know it might be racist in a way so I feel everybody should be educated more educated about this topic, cause it's something we shouldn't take so lightly otherwise how is everybody going to live in in you know harmony in the future


and all that kind of stuff like we have to know how to work together live together or even be around each other so people should really be educated on racism


uh post-COVID, uh worries and anxiety, , afraid I'm generally actually afraid that


things will not go back to normal like things will not go back how it's supposed to be, uh I'm, scared that you know we can't have a full cinema anymore we really have to have a certain amount of people going here's cinema people going there and I just I'm just scared that things won't go back to normal even though


everyone feels like after COVID everything will be back to normal I'm I just have that fear within, post-COVID


uh, I can't really think of anything right now is it okay if we talk about what's the worst thing you have witnessed and kept quiet about


for me would be uh, uh okay it's something quite minor maybe, to others but to me it wasn't really uh for me I was in the MRT and there was this lady in front of me and she had this, huge fly in her hair and it was just stuck there and I didn't know what to do like I didn't even want to move my hands to shoo it away so it's just stuck there and I was just wishing that it wouldn't fly to me so her stop came and she went out


she took the fly with her ya so that was what I kept quiet about I don't know if I regret not telling her or not but ya, I think I was more afraid of the fly flying to me than to actually tell her anything


okay what's your greatest fear


any other uh for me is water I cannot swim so I've tried twice like on two accounts one in primary school one in secondary school but I just I just can't seem


to like, learn it in any way, , I'm just I get so panic when I cannot feel my feet on the ground so if I'm floating or whatever and I can't get like a base then I'll panic so that's really one of my fear I'm really scared of drowning I think my worst fear and


worst way I think I could ever die is, in a sea in the middle of nowhere not knowing how to swim ya just drowning and the ocean is such a huge place like they always say the scientists only discovered five percent of it so where what is the other ninety five it's so scary ya this is my this is my biggest fear


ya for me, it's during avengers endgame, like the movie I was so angry that they killed iron man uh


like why did he have to die out of all people like they could've just killed I don't know hawkeye or something he so useless anyway so I was really very angry because iron man was such an important character in the, whole marvel


I don't know all the marvel, movies or anything so he was really I don't know he really played a huge part I feel like without him they will be very empty and by killing him off, it really made me very mad


ya what frustrates you


uh I agree with you on the negative mindset because sometimes when they say things they haven't even tried it out so when they say things like that is, is really very frustrating like we know from our point of view like they are capable of doing it but if they themselves are not telling themselves that then how are we supposed to help them another thing which frustrates me uh when you are walking past


I don't want to stereotype or anything but really it's really only them when you're walking past old people they somehow just love to cough really loudly, without covering their mouth and then I don't know what kind of germs and all lah flying out and so I get really disgusted like you have to do that such thing whenever you walk past them ya so it's really frustrating like why would you do that


uh, do you have phobias how do you overcome them


mine is also insects I'm really really scared of them, although I'm kind of like known as the pest controller at home whenever there's an insect they will always be like calling for me my siblings they'll always be calling for me and I'm like how can you call for me when I'm also scared of the insect but in the end I'll get rid of it but after a lot of screaming


uh another one is swimming, like I mentioned about my fear I really I really really want to overcome it though I want to learn swimming so I have to get the thought of oh I'm going to drown out of my head in order for me to achieve it I think ya so


ya so I really have to I want to work on it, so to get rid of my phobia


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


ya I think I would I would really thank them also for always being there for me throughout my how many years of living and I would also apologise if I've hurt them in any way, ya kinda I don't want to die too but ya describe a time when you felt like giving up


, for me it was, during one of my exam papers uh in IT it was the last stretch but for that paper itself I don't know why I was struggling to memorise anything at all in that


in a span of half an hour and I just broke down because it was the last paper or second last paper so how is it that I'm not memorising anything how why can't I memorise anything there was so much stress, uh and at that point of time I felt like giving up but then I had I spoke


to my teacher and she told me that you know it's the last stretch maybe that's why I'm feeling really stressed out but I shouldn't stop here because I'm already giving it my all so do it so do my best for the rest and that's when I managed to


uh recover from that huge mental stress ya


ya, what keeps you awake at night


for me is actually my future I think quite a lot of it I'm just scared that it will not turn out the way I want it, to so sometimes that makes me really afraid and I keep thinking about it at night uh just in hopes to let everything go smoothly and good for the future


positive experiences


okay, okay uh describe a travel experience that left you in, awe so , I had the greatest opportunity last two years, uh, in ITE where I


got to go to spain for a student exchange programme ya it was only the few selected students, who managed to go, for this exchange programme and uh I really loved it because never would I thought that I'll be going to my dream country a part of a small city in my dream country


, at such a young age like for a school trip so it was really very memorable for me, ya


for me it might be something small but it meant quite a bit to me , it was I think roughly four to five years ago I was making my way to my friend's house but, there was this really old lady she was struggling with like


super a lot of grocery, bags and then she kept stopping midway like she kept stopping putting the bags down and then carrying it up again walking again and then I walked past her, because I was rushing to my friend's house but then I thought to myself like


even if I'm rushing like she wouldn't really make it back that fast the old lady so I walked back to her and I use my really broken chinese and spoke to her and then ask her if she needed help and then I followed, her all the way to her block even up till her like the storey


where she lived and then she thanked me she said that she has never received help from someone our age so to me it got me thinking like, , you know people nowadays I guess they don't really try to see the bigger picture of things like uh they don't try to help others when they are in need


they always you know I don't know be oblivious or just try not to bother about the situation if it doesn't involve them so to me I felt like that was the biggest reward I've done cause I helped her when she was really uh when she really needed help


uh oh okay so this happened a few days ago I was rushing to work at the bus stop it was raining heavily there was this old man he just sat on the floor like he was just sitting there and he had his hands to his forehead I don't know what was he worrying about or anything


but there was this guy who was beside him he he stayed with him for like I don't know how long was he there but I waited for my bus for ten minutes and he was there throughout he kept asking, the uncle how


like how is he what is he doing or does he need help or anything and he was on the phone like quite a number of times so I don't really know who was he calling or how was he helping, the uncle I really don't know the situation but I felt like that's really what people should be doing and not


you know walking around and not bothering people, who are going through these kind of situations as long as it doesn't involve them or anything so I really feel like if there's anything like that which is happening people should really go and ask if they need help and show that they care at least even the slightest bit


okay this this is going to sound really nerdy but , I swear I guess it was I think a a month back or or two months back like I had work and my teacher emailed us in the morning saying that she's going to push the deadline up like by an hour


and I was like I was stressing out because my work ends really late and I only have like a three hour times when before the deadline to me that was an adrenaline rush because I had to rush through the whole powerpoint slide which we haven't even edited or done yet so to me it was really


scary and it was very very thrilling in a sense in a nerdy kind of way,


for me my proudest moment was also in ITE it was when I worked really hard for the two years and at the end of it I was uh the top graduate for my course so I was really very proud I felt like


I really did my I really made my parents proud so that made me feel very happy, my parents and my family and my friends ya so that made me really happy


to me my family and my friends because if I were to think otherwise I think that, I will be, giving them a lot of sadness if anything were to happen


so I don't I don't want to see them sad so I'm just going to keep staying alive ya


uh mine is really weird okay uh which I'm secretly proud of having okay, my tongue I can make my tongue touch my nose , ya I think I'm really proud of having that because it's so weird ya my


cousins will be so impressed like !hey! I want to see your tongue touch your nose but it's actually not really a big, deal to me but you know like !hey! not many people can do that so ya that's why


for me, , unwind and relax, for me it'll be watching shows and then falling asleep while watching , def I think that's the best way because that's when I know that I'm really tired to not be able to even stay up for the show so sleeping and getting enough rest is relaxing for me ya


ya I agree with devin also like what makes me optimistic is definitely the younger generation right now and our generation, I realised how different we are from the older generation we are much more open-minded not narrow-minded we understand how certain things are affecting the world we are willing to make changes but


to me it seems like the older uh the older generation still don't don't feel like it's an issue and so when they leave they are going to leave us with, a world that's already going to be like torn apart and so the younger generation and us


like it is our only time to, fix it back together and make sure it's okay for us to live in so I'm really happy at the steps that uh we are taking and to the younger spokesmen and everything it's very inspiring to know that people our age or even younger are making huge changes


to the world


!wow! I don't think I've made a comeback that shut everyone up if I were to ever tell something to someone I think it'll just be to them uh


ya I I don't think I have ever experienced that before but I do want, to ya uh what amazes you


ah


for me I'm amazed


at how ignorant people can be I feel like even though they know, how , a certain thing is going to affect something like they still don't want to make changes to it how do I put it I've tried speaking


to my my parents about using less, plastic or something because it's really going to affect us in the long run like why don't you use recycle bags you know stop using plastic but they are just like the supermarkets have plastic people are using plastic everywhere so why can't I I feel like they should know if


even uh if you are a small group of person if you are playing a part, then it's already doing something like for the world and all it doesn't even matter how many people are doing the wrong thing some other people are doing the right thing like as long as you're doing something good that will benefit the people in the long run then they should just continue doing it


ya, , I think it was my seventeenth birthday when you came to surprise me, ya and yes


uh I was really shocked I didn't expect uh devin to be there with two of my other friends I was I just went into the my balcony and I literally saw three of them then I'm like what are they doing in my house ya and then I got flour


thrown over me and all I was really sticky and a messy messy messy situation but it was very fun because I've never experienced anything like that before so it's really very nice and I was really touched yup really loved it


or uh


, , (hmm)


, (oo) when when did I blush the most I think ya I think I blush relatively easily also uh I think I blush the most when when people compliment me or like when they start hyping me up because uh I don't know it just feels really weird to me like I can't really


accept it the experience I had uh, uh uh okay so for my eighteenth birthday like I went to the club with my cousins to celebrate and then there were a few girls who kept complimenting me like my looks uh and all and how I look and then I know


for sure that I blush a lot but I don't know if they just said it because they are drunk or not ya but ya that was when but it was quite the experience which I won't forget ya


hello my name is <P2> muhammad mubin </P2> and I love to play soccer


uh do we start the discussion now okay, so uh we are going to talk about the investment strategy right


okay so for, so maybe I go first uh for investment strategy for me I prefer to do a long term investment plan rather than having a short term because I feel that a long term is


more comfortable for me in case there's any losses or what I can still try to recover it back in the long run so how about you Sala


okay so what is your risk appetite what is your risk appetite when it comes to investing and trading


(mmhmm), okay


so your risk appetite, so it's about a medium risk okay, okay for myself I for myself I also like for I will go for


medium to low risk when it comes to investment and trading because I'm not a risk taker when it comes to money so I'd rather go for medium to low risk


for me no I haven't started stocks or bonds yet but I plan to do so in the maybe in next year, that is my plan


okay I see so what stocks did you invest


due to the COVID nineteen pandemic, I see but this COVID is also making uh uh the economic status very unstable for the global situation


yes is this is the time to this is the time where it's very tricky and the decisions can have a very big repercussion in the future


for me now I am still unsure because of the stock markets situation which just crashed so, I am not not not confident in the stock market at this moment I would I would like what you said this moment I would rather go for the option of doing a copy trading or maybe just go for a foreign exchange forex


yes so this is the things I mean things like oil gold and uh forex I believe will still maintain even for quite some time rather than talking about stock market which is uh unstable during this pandemic


for me if I have a one million dollars I will invest in property for singapore I'll invest in property for overseas I will do the, copy trading maybe just put more inside because if I got if I got one million there I won't I will maybe go for higher risk medium to higher risk


I see so what is your experience of competing so far


how long do you plan to do this investment


I see interesting, for me like I said I haven't started but I am planning to I'm still finding out about copy trading so so far it sounds good


and uh I also have friends who have received some uh have made profits out of copy trading so while I'm still getting more information on this and trying to set aside some budget for this copy trading, so that is


Sala do you think investing or trading is similar to gambling


for me I feel the same I feel like it is uh it is a gamble but I feel that it is uh


trading is a gamble that itself uh lower risk compared to gambling or maybe you can say that, uh gambling is immediate or short term you put you play you know whether you win or lose within the next few days or next few hours you know but for trading it will take longer maybe it will take you a few weeks to realise that okay we lost some or maybe you can calculate over a space of one month


to really find out whether you have made money or lost money so I think that is what I feel about the question whether, I won't say it's a safe gamble I would say it is a gamble that you take a longer time to find out whether you did make money or lose money so for me I would say a rough guide is about one month thirty days to figure out whether you have made or you have lost


dollar cost averaging is I will say for a start I will invest the same amount of money, maybe in two or three different uh investments but of course if one of the revenue is higher then I will try to put in and make my capital increase in that particular investment


so that is my thought on uh dollar cost averaging how about you Sala


I see so why will it increase ten percent


okay so you keep wanting to increase your capital to grow the capital amount, okay Sala going to question number nineteen how do you recommend a student with little cash at hand to plan their investment journey


for me I will say for student with little cash I would advice to maybe start off with copy traders because what I feel is that you don't need a lot of money to start maybe hundred to two hundred dollars to start


so with that they can get a little bit of experience and then get to know more about their risk appetite whether they like to go for high risk medium or low risk and since the amount is starting off small so they can I would say be a bit more adventurous


try it for high risk see how it plans out for a few months or a few weeks then slowly try to figure out what is their uh risk appetite like and move on from there, so that is what I would recommend for someone with little cash to start off their investment journey


the stock market is not the economy I think the stock market determines the economy


because it how my my my take on this is uh different things that happen outside of the stock market will still affect the stock market and that is why I say like for example this


this COVID nineteen or any oil crisis things like that it will still inevitably affect the stock market so that is why I believe that it is uh ya it is connected one thing will affect another


I see


Sala going to this question on time the market or time in the market which is your


for me I feel the same way I feel that time in the market , is my oh my option rather than time the market because sometimes it is not easy to time the market obviously I feel that timing the market is very very very difficult takes a lot of experience and


you need to know the right time to time your move into the market but then again sudden, uh sudden factors could topple your decision like for example this recent issue of the stock market's clashing I mean it's something that people don't see coming and so if you go in at the right wrong time


it's basically game over so time in the market is my choice like I said that's why I prefer to go for a longer investment period so that I have time to recover in case there is a loss and uh I can work from there


I will go for looking at the technical analysis when investing because yes we still need to do some background on what is the investment all about but I will want to know how is


their the investor's plan or how is the investor's how to say how is his style or how do they invest because, eventually it's it's my money that he is investing so I also want to know how he's trying to do this investment how is his uh risk risk like how is his risk style or investment style if you understand what I'm trying to say


so that is what I want to know rather than to find out what happened for the past ten years obviously yes I want to know whether he's experienced or not but I also want to know , how he decides to to to play on his investments or how he decides to to average his dollars so that is my strategy


uh no I will go for strategy the technical analysis how about you


okay I see


okay so Sala I should I want to ask you would you invest with a financial advisor or would you invest on your own


for me , I feel that I will rather go for uh investment on my own, because that way it's all on me you know I won't say that oh if I go with a financial advisor like what you said we will just blindly follow so he ask to invest we invest he said okay put the money here we put the money here


then next day if he calls and says that !hey! you know sorry we just lost few hundred dollars or we lost a few thousand dollars, then I I don't I don't like the feeling of not having control over the action so for me I like to have the control and say that okay yes I'm the one who made the decision to to put my money here I'm the one who made the loss so it's on me I don't have to blame anybody


part three negative experience


uh the time when I really felt helpless was I I had


to come up with uh a a way to solve my loan so, I that was the time I really felt helpless because I tried going to different agencies and uh uh, to ask for assistance but everybody turned me down so


it was a very urgent situation where I had to raise a certain sum of money so that was why I felt very very helpless and , felt really alone like I thought of a way to to get through this situation but uh eventually I managed to pull through


so that was the time that was really a time when I really felt helpless I think that was the first time I experienced that helplessness feeling in life how about you Sala


I see uh, so how did you how did you overcome


the situation or how did you feel when you finally overcame the situation


uh hurtful words was that I mean


ever since I was young growing up I was very short I was the shortest boy in class so hurtful words, uh) things when people used to call me uh short you know they will say that you know you, ya


so they used to call me compare me to the height of a broom stick and things like that so I mean these are some of the words that I have been used to growing up, so, ya in this is the things that I I want to forget you know thee those kind of hurtful words other than that it's ya they just make fun of my height and things like that


probably I would say the saddest scene I ever witnessed is , this particular day when I went to the children's ICU to see my son, uh my newborn son in the incubator because he was premature but it was not looking at my son that was sad it was looking at the baby beside him that was the saddest because that was only uh


it was a premature baby it was about six to seven months old was because it was premature it was so small and there were so many wires and tubes going through the baby's body, and that is what I I it was very painful to see you know that that that baby going through so much so I think that was it


okay Sala what is the most often you worry about


okay, uh for me it's the same thing for me I'm worried about not being able to provide for my family you know not being able to uh provide means for them not being able to


take care of their education or not being able to uh do the things that they want to do, so that is the things that I worry about most often for myself


yes so with


one thing that I wish I could change, , for myself my wife's father passed away when she was five years old, so if I could ever change something


but I will never be able to bring him back you know so that is the one thing that I wish I could change because she grew up not having a father figure in her life so that is something that I wish I could change


for me myself in my life I won't change anything because whatever happened happened and it is because of those things that happened I am who I am today, so, even though I didn't like going through that particular phase at that particular time but I won't change anything that happened to me


the biggest thing holding me back from my goal is actually me, myself sometimes it is the fear of the sacrifice that I'm going to make so that is the only thing that is holding me back


it is just that because if I was alone not married not have kids I think I'll be more of a daring I have nothing to lose but now I have things to lose I have


what do I what do you say I have there's more consequences of people are going to suffer if I make a mistake so that is the things that you know holding me back from this


how about you Sala what is the thing that is holding you back


okay so what what is the what is the one thing that you wish you could change but willl never be able to


so if you had a choice again so what would you have done differently to carry on from getting a seat in poly


okay


describe a time when I came very close to burning everything


uh I guess I have many times I've felt like that, in my own family in my own life I think sometimes we make decisions that affect other people's feelings


and I think some of the decisions that I made which have uh affected my life and uh my family's life so that is the that is the things that really


makes me feel like I came so close to starting the fire because the repercussion would have been very very bad, so that is a thing that I feel it's it's very closest to distraught how about you Sala


so it really affected you very very badly when uh people started to call you even your own


friends or own circle of friends started to tease you like that


okay yes


, no I didn't have a time where I felt nobody cares I, I had people who cared for me even when I was down there was always uh friends there was always people around to care for me so I don't have a time when I felt like nobody cares


I didn't feel I didn't have the time, because for me my friends have been there almost all my life since school primary school until now so I I don't didn't feel a time where I felt that there was nobody how about you


uh yes I have felt this before in my previous workplace where they were always trying to put me down you know uh trying to arrow me all the time but


I realize now that it is because maybe they were intimidated by me, so they were trying to put the blame on me so that I will always look bad in front of the boss so whenever I went for the meeting I that was when I felt when I did it was not enough because every time I go for the meeting


I will always get bombarded by questions or things that I feel like it is not my problem but it is being brought up to the meeting and I have to be the one answerable in the end for all this, so at the end of the day the boss will think that uh not good enough but all these questions are all this uh errors like coming in from directions where I don't see coming


so that was the time I felt like that how about you Sala


okay, what do you often worry about


not meeting my expectation I think it is when uh it's for my own self when I don't meet my own expectation I feel every time I don't meet my expectation I feel this so ya I feel very sad no not able to do that how about you


okay so Sala, what is the nicest what is the nicest thing somebody has ever told you


that's nice for me the nicest thing somebody has ever told me is that uh


you know you never give up on life, he said that I was a very hardworking person I always give my hundred and ten percent in everything I did, so that was way back in my army days and I really cherish what he told me so sometimes when I'm down I try to think about what he said and it motivates me to get in check


I feel that every travel experience is very memorable but one of the most memorable will be the recent trip I had to new zealand which was last year july


so it was uh the most memorable because that was the first time I saw or experience snow for myself first hand and it was super cold it was uh minus three degrees if I'm not wrong ya it was minus three degrees


so that was the most unique experience because previous holidays was all, uh hot or summer this type of temperatures but this was the one that was the coldest and was the it's really beautiful ya so that was why it was the most memorable new zealand how about you


okay


so why do you say that it's ten years advance than singapore what


I see I see so uh what was the happiest moment in your life


, for me happiest moment I won't say it's my son's birth I would say getting married to my wife was the happiest moment


because it was a new chapter in my life things I knew her for four years before I married her so that was uh the happiest moment when I finally got to tie the knot with her and say okay she's my wife


for the case of my son's birth it was it was happy but I think it was more of a, uh many unknowns because uh we don't know whether he's having any medical condition because the doctor said that he might be having a certain condition and things like that so when we gave birth to him uh we were


very uh excited but the same time unsure whether there'll be any , medical uh issues or not with him so that was why I won't say it's the happy it was not the happiest I would say it was a very tricky moment for us


yes, why did I used to hate the circuit maybe you can answer this first let me give me some time to think


okay why


okay for me it's a very funny scenario as a kid I used to hate staying at home I don't like to stay


I don't like to stay at home I like to go out I want to be out of the house I will be out of the house for maybe a few days a time also but, for now when I'm an adult and I have children I want to be home I want to spend time at home with them I want to play with them and I feel that it is the family time that I miss


previously I used to I don't use to spend time at home I'll go out with my friends and go to play soccer I go and see my friends late at night but, I mean now I think I I used to hate staying at home with my family but now I love to spend time with my family I love time to spend time at home so that is what I used to hate but now I love as an adult


comfort food always uh fast food McDonald's KFC, uh why is because it is it's affordable and it is, convenient easily accessible even in the middle middle of the night you can just go down to a twenty four hours McDonald's or you can order in the food so I think that is why it is uh convenient and


you know how it taste so the taste doesn't change much even over a few years so that is, that is why it's a my comfort food how about you Sala what is your comfort food, okay


so who in your life do you look up to most and why


so you look up to them


I see interesting for me I look up to my father a lot in in my life because previously I didn't realise all the sacrifices that he has done or is doing


uh but when I became an adult and I became a father myself then I realise that okay, how much he has sacrificed for the family how was uh not only time how much of uh all the things that you don't see or the things that he doesn't say and all the from the smallest things to the biggest things so that is why I realise that I I finally understand


why he is the way he is he's very strict but at the same time he's very loving, so I used to think that you know because I was the only boy he always pamper my sisters and he doesn't care about me but now I realise that you know it's not he doesn't care about me it's just that


he gave me more freedom to go and explore the world on my own and to learn on my own so now I understand that yes what he did and, I really look up to him for for this this reason


oddest uh most unique compliment I've ever received will be, , someone told me I got a nice eyes so which I I don't want to comment on that


uh leave it as it is I mean I never , for you how about yourself how about yourself what is the most unique compliment


okay okay


okay so why did he say that what were you wearing


never mind let's let's just leave it there , so what is your what was your best birthday present and why


if I'm not wrong it was your thirtieth birthday, yes


for myself it is also my thirtieth birthday uh likewise my my wife also brought my friends together then they did a surprise, birthday party for me and we were she booked a room at marina bay sands so then my friends came and surprised me and we all had a very fun time over there so that's the very memorable and very unique uh birthday present


my perfect day will be to wake up staring at the sunrise on a beach


and then , having my family my friends beside me having nice food to eat and , spending time with them you know just seeing my children happy seeing my wife happy seeing seeing that you know everything is good and uh safe


and with food to eat I think that is a perfect day comparing the some part of the worlds where they don't even have food and they don't even have uh they're not even happy you know where so many things is uncertain so I think it's the


simplest things that really make it a perfect day, for me how about you Sala


I see, okay so let me ask you what are you thankful for


okay for for myself I'm I'm very thankful for everything that I have


for for, my family thankful that I'm able to provide for my family thankful that you know we are not in a country where there is war there is fighting going around we are very safe and sound and sometime I think we take that for granted so I'm thankful that they are really


thankful for whatever I have, rather than for things that I don't have I'm thankful that I got very good family I got very good friends, I got


things going on like even for like what you said you're thankful for your mistakes I think in a way yes because ya because we did those mistakes we really thankful that what we have now is we are very lucky so that is what I'm very very thankful for


nicest things


uh many nice things people have said about me but I, maybe the nicest thing is that people someone not say someone people have said that I am very friendly so it's easy to talk to me I think and I also ya I agree I'm very friendly so and that is the nicest things because


it's nice to hear good things about yourself when somebody says how about you Sala what is the nicest things


okay can


yup, alright


uh my name is Sala love to play music, oh, okay oh okay finance, hi okay


so ah okay


okay,


ah for me I would I would say I would like to jump on both the ships uh long term definitely yes what like Mubin said uh the the risk factor is lower, uh short term the risk is higher but the gains are higher so I would like to journey on both the ships


it it depends uh like like question number like you know what is your trading strategy question three right uh from normal trading I've moved to copy tradings now


like so I do not uh do much of uh uh reading up on trading I just uh copy, I mean I'll do reading up on the people who are doing uh who I'm copying, for the trade, right so uh that is my strategy now and of course I'll do a a bit of research on the company's future


they are following, this appetite uh for five I think uh three point five four, yes slightly higher ya how about you (hmm)


(mmhmm), (uh huh) ah like like like


so uh like what what where do you like to, uh invest in stocks, or bonds, okay okay ya


I've started a very on the small amount on stock, uh like like I say I copy trader so I buy from Apple Amazon Alibaba and all that


a small a small yes, depending on the how I mean how the market is who's in demand, like I think now I think we should uh, it uh I mean confidently


buy stocks from uh pharma pharma companies, uh they are ya those who making masks and all those uh, asking you know uh or in the line of uh creating the cure I think there's it's a good time to invest on them so it depends on the uh


situation you are currently seated on, there are now COVID so I think it's best that you invest short term investments on uh, companies which are trying to fight COVID


ya, ya ya ya just like two days I think two days ago most of the stock market crash right Amazon and all all the e-commerce got affected ya but the pharma got, profits so that that's the thing


we should be uh smart and we should be able to predict sight future of all the uh companies


either you can earn big and or you lose big, if you were to invest uh some money right now where would you invest Mubin


I think even gold gold is picking up now uh oil oil is


ya correct, ya properties uh oil I'm not sure gold definitely uh they they these guys won't won't uh die lah won't die right they will keep keep ha producing and they are they're stagnant so like question eighteen Mubin if you have a sudden windfall of one million dollars where will you invest your money right now


correct correct so same thing uh, right so correct I'll also do the thing I'll be putting more investment on properties then uh slightly slight amount or maybe twenty percent on


copy trading to me I I've traded normally four five years ago, four five years ago I traded uh but that I used uh local brokers, uh brokers uh I had good made fast returns and I lost uh a big amount as well so I stopped I didn't had confidence on that


uh so then I got introduced to copy traders which I've invested a small amount and I'm getting returns, not so fast but it's a long term investment, but I'm starting to get I'm starting to see the profits


ya long term I'll be maybe, venture into it more as I I get more uh uh, income, ya how about how about yourself


ya, yes correct, so ya


it is definitely uh I except when it comes to property whatever other uh product I mean , stocks you're buying it's definitely gamble right like uh Apple everybody's dumping their money on Apple Amazon and all that right but


they too can crash they too can close down if something bad happens like looking at Nokia and all that right so it's always a risk so gambling is a risk I think ya it is a gamble


ya so it's a like for you it's like a safe gamble


so uh like question ten what are your thoughts on uh dollar cost averaging like would you just keep investing the


same amount over over again or will you, if you get returns would you try to


ya I I I will actually start to, pump in more maybe increase ten percent, uh until I feel that the uh it's not worth it to invest on that, uh stocks anymore, but until then I'll keep increasing ten at least ten percent


if I get returns quickly and uh I see the uh situation I'll keep pumping in more until I feel that okay it's time to pull back


and then uh move on to other stocks, ya, so others


a student or novice right so I'll definitely I will, tell them I mean this is like talking to ourselves fifteen ten years ago so I think we I will definitely tell them to set aside at least uh, twenty percent of their


pocket money or salary whatever they get to at least start investing slowly, on uh safe stocks like uh big for on big companies, and not jump into uh a sudden gold rush which was uh Bitcoin


some made money some lost so I'll say start small and do a lot of research, how about yourself Mubin


okay, okay nice so like uh do you think the stock market, determines the economy question seventeen


ya I think so


I think definitely stock market uh as companies grow, they need more employment so, more jobs will be created as companies close more jobs will be uh, I mean the more will be retrenched so they have to find jobs and all these factors actually contribute to the economy a lot right uh companies blooming and all that


and of course ya like uh I think the external factors, affects the stock market and the stock market will then continue to affect the economy so, ya so I think there should be three variant three inputs for the economy


I think uh it's, it's you should err time in the market, like like again coming back to COVID this time, if you buy uh stocks from pharma you earn money, other times nobody's going to buy a mask and uh when there's a new phone coming up


in the , apple uh and all that, so it's good time to buy stocks from them, Apple or Samsung whatever so I think it's time in the market uh which is a good strategy


so Mubin like coming to question six uh, uh like do you perform fundamental analysis or technical analysis like fundamental as in uh do you when you want to invest do you study about uh a company their past and all that how much they, made or what is their growth going to be or looking technical which is looking at the uh current trend


okay so you go for the uh companies background or not or, go for technical, okay, mine uh I will definitely prefer, the fundamental analysis


because uh I will definitely take a look at who's running the company, uh what if the company what is the company's uh spirit like in the office I think all these factors uh, the one which is contributing or their core value, which or their vision which is uh building up the company and the the speed of the company the company has uh grown


uh, so I uh all this I'll take a look because I end of the day you know if you can if a company like uh Uber, who was still the trend can uh, can be busted so I think, the people in the company are very important


that's my my view lah, so those are the guys who can bring it uh bring the company forward or actually can cause the crash to close down or


I I have done both, and I will definitely said financial advisor was my first time in investment and it was through through a broker, uh so that one you will you will just blindly follow what they are saying you will not actually get to know what actually is going on in the market which is good and bad if it's a good I advisor you win if it's a horrible one then you lose big


and uh should I invest on my own uh I won't because I have my hands on a lot of things if I have spare time maybe I, only worked one work and I'll then maybe I would have invested on my own


, part three negative experiences


okay Mubin ya describe a time where you felt


uh mine is quite quite a similar situation uh regarding money but it wasn't my loan, it was a loan for the company I worked for, and uh they took a loan a huge amount, uh, and uh finally and uh it was uh I had to sign the uh guarantor for it


and uh, the company was uh going on loss couldn't pay back and those uh guys were starting to chase me you know they they started calling me every morning from different phone numbers uh, coming up to the house and uh


this was I think four years back so and uh that moment also you feel trapped or helpless because uh wherever you go, uh it wasn't through the unlicensed it was uh a a legal license uh, bank so and uh that was the most traumatising time


uh where I had to even uh, break down and cry uh because of the uh the torture torture they have to give us, for asking us to come in and of course uh, we had to pay, more than what we had to, , considering the


lawyer fees their transport fees and all that, so, ya it it there were even times where they came to office and start shouting, at us uh, uh in front of the clients and the, team so that was the uh most uh


trapped and a helpless time I ever came across


ya so it it was a huge amount which I couldn't uh, uh do it on my own, so the the person who told us to told me to sign, uh he gave up, he said uh sorry I can't do anything, so I had to go and uh


uh, uh ask a lot of people money, uh a lot of them, small amounts and uh try to settle it and uh, within three years I managed to pay them off, all those I borrowed but it was uh a very uh


embarrassing kind of a situation at that point, ya, so uh so ah Mubin what are the uh some of the hurtful words someone said to you you wish to forget but you can't


ya I I can relate to that as well uh me being shorter than you so ya that can become as uh hurtful it's a lot of times definitely, ya, so uh, uh uh saddest scene you've ever witnessed


oh that's my my pray my father doing the prayers I'll just give me a minute can I pause


just a minute <NEN> got conference


I always worry about not, uh me being not around, oh because life is so unpredictable just looking at the recent situations right, uh, accidents can happen even though you are so healthy you can anything can happen to you


right uh, so whether if I leave uh, how will my family sustain, so I'm always worry about creating uh, uh income, which will go to them, uh


even though I'm not around so that is the most uh, worrying uh topic right now in my mind, if you've seen the latest news uh, passer by being struck by uh wires and then they die and all that right accidents in singapore


so ya that's a, thing I'm worried about now


I think once we come into uh fatherhood, priorities change, right so uh correct, so if this says one thing you can change, you could have changed but oh sorry is there one thing you could change but will never be able to


oh okay, so what is the like uh biggest thing holding you back from your goal


holding me back actually for biggest thing holding me back I would be saying it is uh, definitely uh, lack of uh money lack of uh funds


to do what I want to achieve my goal and also sometimes I feel at times I feel to be very frank uh family also can hold me back from uh achieving my goal at times this is not, a common thing but it is sometimes holding me back it sometimes will make me very frustrated as well like uh I would have make uh one week plan of uh meetings and it can just go cancelled or I can forget about the meetings


because there's something going on back home so, and I've lost a lot of uh opportunities because of that to be very frank as well so there are times but uh again without family, I mean I won't if you give me option I'll definitely choose family


but towards my goal, one thing I could change I'll never be able to, uh


I think it is , the time where I gave up on uh, uh education, so and I was in uh, after my ITE I got a good GPA


and I uh was one GPA short to enter uh polytechnic, so I went to about six seven polytechnics went to so many NP sessions and I couldn't get uh, a seat in the uh polytechnic which I wanted to do my my passion was electronics


so uh, which I couldn't do I gave up, and of course uh getting education yes uh you you can get educated now but it's not the same to be very frank so at that time my my brain was just about you know to study can focus more you know and all that now with so many commitments I don't think so I can continue my studies it will be difficult


so uh I think yes I should have uh pursued, more to get a seat in the uh, school I wanted, I just gave up halfway


no it's at uh the that err, that that electronics engineering which I wanted particularly, so now I don't think so I need so but now of course I can still get educated in my field which I've uh transited into so now it's still okay but that's one thing I wanted really wanted at that uh age


ya then uh ya so err Mubin, describe a time in your life where you come very close to starting and burning down everything so that you feel good


ya it's that uh african proverb, because uh maybe a child that's not embraced by the village will burn it down to feel warm


like so is there a time where you felt like that, ya is, in your family or at outside your family


ya that uh I have once, only once uh during, uh the days when I was uh a a driver right so, uh everybody was uh very uh, they were throwing remarks you know about being being a driver even in my uh my family and in my friend circles as well you know you're uh they look they actually they look down sometime they throw some remarks which was very hurtful so at this one one point of time I was like you know you know what uh


I don't need any of you all, uh so, you know I'm I just want to move out move out means just uh, stay away from everyone even I wanted to go to the extent of uh, renting a house renting a flat out, to was thinking about it so that was one period which I wanted to


I mean I came close to starting the fire, yes I didn't, ya there was like you know when when you bring out


and you buy something they will say you know are you, you're a driver are you affordable you know words like this, so uh, you know it started to build up and even within the family and all that so, uh I just wanted to


you know start the fire, right, so uh okay Mubin, did you ever had a I mean describe a time where you felt that nobody cares about you


uh uh mine will be the same the during my driving period, uh two three years so that's the same so uh, did you ever have I mean feel that nothing you do is good enough, a time where you feel nothing you do is good enough


mine is similar uh my previous workplace as well, uh, whatever you you I did was not good enough, uh you will be always uh shot down by arrows, uh is that you know, you have not done what


uh, others have done uh you know but even though I have uh, done much more they will not accept it right uh same thing Mubin uh they felt intimidated uh by what, I was doing, but uh finally when the paper showed


they are they then then too they don't accept, so that was the period where, uh I felt you know whatever I do is not recognised or even good enough


what do I just now I we went through right uh this, ya ya, me not providing my family, so that's my ya, so what is okay, okay describe a time when things turn out


not meeting your expect expectations the last question


same thing when I, think so much and do so uh putting all the work and it doesn't uh turn out the way I want, the trend I feel that you know, uh it's not uh, turning out to the way I want


so ya it can be traumatising it can be very uh upsetting as well, at times , so I think we both share, uh uh some of a similar life path when it comes to some questions ya


alright, ya positive experience


nicest thing somebody has told me uh that uh, I I have achieved more than what others uh, when others said I couldn't achieve that was the nicest thing


and uh ya and of course uh I have a friend who has uh told me, when I was very down to say they know, you are you are someone capable so go and do it don't care what others say right so that was one of the nicest thing somebody has told me


so what are Mubin describe one of your most memorable travel experience


okay, mine would be definitely my trip to Dubai, uh many years ago because I'm really not a natural person, I like uh modern and uh a urban city so when I went to Dubai I was fascinated by the buildings the art uh


skyscrapers and architecture of uh, the Dubai roads the buildings everything so it was like uh singapore in another ten years in the future, so it was very very amazing for me I was just standing there looking


just going blank you know because like you know there's a country which is even more developed than singapore so it was a very memorable experience for me, ya looking like in terms of architecture and all that right uh we have uh they have like sort of uh their trains are faster than us


their buildings like when you go to orchard you see different kind of buildings but uh when you go to Dubai it's just full of glass, all the buildings are glass right so you are actually like you are going into the future to see like it's like a time travel it was like a time travel period for me


right every every thing was automated you know when we had uh small, kiosk at mcdonald's they had already went through like facial recognition at their mcdonald's there was it was a huge jump right because they have money to spend yes uh so


uh it was a a beautiful experience it was a really a a mind blowing experience for me, happiest moment was definitely when I uh uh got my first son


my first child that was the uh biggest I mean most most happiest uh, moment in my life ya because uh it was another, a a mini me so I had to I was very blessed lah I felt very blessed to get uh a child into the life how about yours Mubin


okay it was a mixed mixed feeling, ya, okay I understand, so uh what did you use to hate as a kid but now love as an adult


used uh I I, used to hate uh, I think my father, I think definitely I didn't like him as a kid no he was I mean as all dads are he was very possessive


he was very controlling and all that so I used to hate him uh and he sometime he will embarrass me in front of my friends, uh but now you know it's the opposite he's the child I'm the dad so, I love him a lot now and I I as once you come into fatherhood I think


I realised tried to appreciate him even more what he has done for you, play at home okay, (mmhmm)


okay ya I think I can relate to that as well, now uh once I'm at home I don't want do not want to step out at all, okay so uh, what is your comfort food that you can always rely to cheer you up


correct they they maintain, I enjoy right, mine mine mine is definitely the uh chicken rice, uh that's the food uh I've been eating since I was a child almost every day my father would buy chicken rice every day so it became my comfort food


err and ya it's even though it's not accessible at night uh, uh, throughout until eleven o'clock you can get chicken rice anywhere, you could run to the coffee shop you definitely will see a chicken rice shop or a stall in the uh food court, so, that is my comfort food whenever I eat it uh even especially uh when I go for overseas trip or previously when I was in army when I came back home the first thing I'll eat is


chicken rice yes, yes I will get very happy and it will really really cheer me up


I look up to most uh is uh anyone anybody, who is actually, very positive towards another person another human being very positive thinking you know with positive aura and all that so they are anyone anyone who is like that


because I've not really met someone who's, !wow! uh uh amazingly, I mean I'm amazingly amazed by them so anyone who's positive I immediately get attracted to them, ya then I'll look up to them also because it's hard to carry positivity around wherever you go


so, uh especially when there's negative people around so positive people, really uh make me look up to them like you know how are how are they able to do it, like you know let, how about you Mubin


okay nice what is the uh oddest or most unique compliment you have ever received


I think I understand, I so like what is the uh ya oddest most unique, most unique ya I'm one six five in height


and err someone who met me uh later on spoke on the phone saying, that I I I'm a tall guy, okay so so that was a very very odd thing and I or even though we just we met for like almost half an hour she still


ya, insisted that I'm tall so that was one of the oddest, and I think the second one was uh in the event that one guy told me that uh I dress like a chinese so I don't know whether to take it positively , or uh negatively so that was one of the oddest uh


compliment I've ever received, nothing just formal shirt and pants, uh, black ya it was black maybe black t-shirt and uh gray pants, so, he assumed maybe that throughout the all the others uh where to he gave me the compliment he said !wow! you look good you know you have started to dress like a chinese lah I was like okay what is it do I take it negatively or positively uh


best birthday present was uh, definitely my wife's uh celebration for me few years back


uh, uh all my all the people who are very close to my heart they were present, and then uh we went on uh it was a half a day event eh ya no it was uh almost a full day event, so uh that was one of the biggest present


and uh, ya that was that was the biggest lah, yes correct that was my thirtieth so before that I had my twenty first and all that but this time around you know as you're older you really know


who who are the person who are you know you are really close to you, so, it was uh the biggest uh


so okay so let me ask a question now, describe your perfect date


I think my perfect date will be waking up uh like during uh early morning six o'clock then uh, uh waking up to definitely a view, like in a high high view, and uh


of course having my children my friends the closest people whom I love a lot to be beside then having lavish breakfast going around in a, a limo right just travelling doing uh not carefree totally carefree and uh financially free as well that is my uh perfect day


doing, I thankful uh ya I'm thankful for my past uh


mistakes, definitely a lot of mistakes uh I've made, uh I'm thankful for that, and I'm thankful for my family definitely my my wife my parents my brother siblings uh though we were not very close now as we age we are very close and I'm thankful for the human beings in my life especially and my definitely my friends


uh it was a big group, so it does shrink a little bit, and then uh but I I really like this uh small uh circle of friend I have friends I have now, uh who are always uh pushing me or you know encouraging me to do the best


all of them ya how about you Mubin


so uh what is the nicest thing someone has told about you have you covered that no right, the most the one one one nicest thing


ya, ya, mine the nicest thing I've ever got was uh I think someone who told me uh anybody, would want to be friends with you so that was the most nicest thing (ppc) I ever came across (ppc) ya that's the one nicest thing because it's definitely uh


when somebody else says it I mean not from your friend's group or part from that ya it is actually heartwarming, to know that uh, you're actually, you know wanted or you feel wanted right in the society that that that's about it lah


part one finance, okay so Zaki do you have a personal insurance


I see uh okay ah, I don't have an endowment plan ya cause I just uh I don't see the need of of it right now


uh so, buy term and invest the rest do you mix insurance and investment or you keep them apart, or if you could would you


uh you won't mix insurance, and investment, so eh so you would mix is it


I think in for for my case would be, uh, term life insurance, whole life insurance uh, I don't think it suits me that well because of my, uh lifestyle so uh


I'm pretty sure uh, uh you don't have a investment-linked policies so what are your thoughts on, uh including, investment-linked policies in your insurance portfolio


ya I I would, agree with that too I mean it's better to have a lot of uh I won't say a lot of in uh insurance ah but uh, small insurances small policies in different sectors of your


your life uh, do you think CPF insurance coverage is enough for your insurance coverage, just CPF


uh I would approach an agent in insurance planning, uh, I cause I I wouldn't know how how much the, like, I need someone to like plan it with lah to like so uh as to say


, in the, so that, I can plan my, uh, finance with someone so it makes more, makes a sound decision when I want to


put my money into like an insurance plan or savings plan or any other plan lah and also an agent would probably be, I would probably look for an agent that is uh, who is who is my friend and would know


uh what type of life I'm, what type of lifestyle I'm living and like uh what type of, uh, coverage I would need in the in like the future ah for example I


for example I ride so he so I got this friend he recommended me to take uh, uh, personal accident plan, uh just in case lah if anything happens in like you know, uh like


in the bike accident or a car hits me at least I have that, uh, extra protection, against my finances


I would look out for, like, if I can afford it, uh or not ah for example the plans I would see, whether the prices are reasonable for my current pay


uh I would say like uh, twenty-five percent or less, for for coverage ah investments maybe can put like extra money, uh, from no I won't say from your savings from like your from your paycheck ya


uh what kinds of insurance are essential for people at your age


ya but uh around your age what, like what do you think is the insurance plan that, that you would take lah like for example in the


okay, uh what percentage of, uh income do you spend on insurance, uh like, do you see insurance as an essential expenditure like for myself I would say


uh like from what I said earlier percentage maybe like around twenty percent may or maybe lesser lah, uh I think for, for me I I see as uh essential


especially uh, because I'm uh riding and, yes uh you have to get like a, insurance for riding a motorbike but then uh, you


still have like, still need like an extra support if like for example you have any injuries or what, so what do you think about, whatever I just said like the percentage and


ya, ah, and do you think if do you find it, as an essential expenditure


I would rather pick and choose instead of having like from a single provider, because different providers uh, different providers give like different benefits, uh, for example Prudential have like one thing


uh maybe NTUC has another thing, so uh then you see you weigh your options ah so to see like which one would be a better cost for, for a better cost for your wallet right I guess


for insurance uh when I'm getting my uh my my, uh motorbike is, uh usually, okay this is like speaking from another person's uh experience ah uh they the policy usually takes a long time to process


uh after the accident ah uh, I think it took like about, four five six months like that, for it to be approved and that's not knowing whether it's actually approved or not ah


ya, also you have to see like how much, uh, what's your coverage at how many percent but what's the benefits of, uh, insurance for your for your bike ah


for example, uh NTUC have the, orange rider for example your bike breaks down and anything happens the rider will be there, uh ya and also


got uh, I think there's, uh travelling insurance which is uh, if I not wrong I would look out for the, uh baggage uh baggage claim


ya the baggage insurance ah for the loss of baggages so if anything, uh, maybe when I'm flying there or flying back uh and they lose my luggage I would be able to, uh how say get


get money back to compensate for my for my clothes and belongings ah, and also like, overseas, uh, for example you get sick overseas or, some uh driver hit you out of nowhere


then uh it will be easier, to get to a hospital there, ya, so what do you look out for in insurance agent, then what questions would you ask your insurance agent when getting an insurance policy


it's like your one of your seniors and he would know like, uh what, happens in the lab and all then he became an insurance agent so would you, and you're his first customers would you be willing to listen to whatever he he'll be pitching to you


okay if you are an insurance agent what questions would you ask your client, when planning their insurance coverage


uh okay I see so you get so you have like more, uh confidence and like experience uh with your uh so-called like senior lah


I guess we are, you wouldn't want to be an insurance agent anytime soon


okay uh part three negative experience, so uh Zaki have you ever felt trapped or helpless


what I often worry about usually, , usually I worry about, uh what people would think of me, like uh did I


do something to offend them did I, maybe like hurt their feelings or what, uh, ya usually it's uh just about, sometimes it's okay uh maybe most of the time it's about myself lah when uh


I worry if like, uh, I'm not good enough or worry that uh I don't meet like someone's expectations ah but, uh usually that uh


those who that those will just uh just go away ah in into time, and I'll be back to normal, , have you ever


uh seen anything sad, like what's the saddest moment that you ever witnessed


no one cares about, probably, uh, ya I felt that uh, I think I feel it like almost, most all the time almost like almost everyday but uh I but ya lah I guess like the the more that you don't think about what other people


uh, care about you you just do your own thing and, ya basically you can do anything you want ah if you care enough about yourself and not let other


people, uh, what other people's feelings towards you are, ya so, ya ya that's it that's it ah


have you ever felt like uh whatever you do is not good enough, like even for even for yourself


there's like one thing I would change is, uh how, I'll probably keep my uh relationships ah, uh but I guess uh


maybe it's not never but maybe it's a very slow very slow process, cause like uh, usually in I usually in the starting, times of the relationship you would be like very


lovey dovey but then, uh after time goes by, uh, you tend to like, think more about I would think more about myself, than the other party then uh, most of the time


uh they would say that uh I would be like egoistical or very self-centered man uh, it's just that, uh, what from what I feel is like, I put uh, enough effort in the beginning but then uh just let me calm down for a while let me just relax first


that's something I would


wish to change but, uh, it's gonna be a very slow very slow process, uh, what makes you stressed


ya you feel like you are not up to their standards as of yet even though you keep trying but then uh you afraid that they won't be able to see that


whatever you doing is what is you doing your hardest to finish and like I would say to get to clear their expectations yourself and make them happy


so basically there's a there's an african proverb goes the child who is not embraced by the village will burn it down to feel warmth what do you what do you feel about that uh that that proverb


ya


I agree to that ah because uh, to me that phrase is, that that proverb would be like very, uh very accurate ah, cause uh the child would be like a child lah but the village would be


uh maybe the family members their parents then the fire would be, them, the the child destroying, whatever relationships just to feel better


uh with themselves that's uh that's in my that's my point of view ah, like, like the, like if the child it was not like uh loved by the parents he would he or she would like


uh, feel the need to cut ties with them and maybe like find, uh, love at in other places, just so that they can


feel embraced lah by someone


traumatic experiences, probably ya I ya I had a time where, uh, I was with uh my ex and then I I don't know what we'd I wanted to I wanted to go back home but then she wouldn't let me then we started arguing


then when I wanted to, uh leave the place uh she kept pulling on my she kept pulling on my shirt and ultimately, destroyed it then uh to some sort to make it up


she offered like to like buy food for me then it's like maybe you should sleep here to sleep it off or whatever shit, and and whatever then uh, basically, uh


I end I ended up a few days there so ya uh this, uh, and then and that and I can't do anything about it even though like I


uh, I told her parents like I I'm not free but then she will like keep insisting I keep staying there then it's like, uh it's been a few days you don't have to go back home and it's just, no lah it's okay you can stay here then I'm like okay no I I I'm feeling like trapped down here so I


so what I ended up doing was uh sneaked out of uh the house and came back not saying a word


what's the so, uh besides that, what's the saddest moment in your life


ya but usually uh that that's that isn't a really that that shouldn't be a bad sign from hindering you from doing uh anything, uh


part two positive experience


, okay so Zaki describe a moment when things turn out better than expected


okay


happiest moment uh of my life ah, I guess it was the, point where I got into my current job ah the one that uh where I'm dealing


we're making uh camera lenses ya at uh the people there are like very, uh very friendly ah like around my age group also so uh


honestly there's like nothing, ah, negative about that place uh I would it's also like very uh how to say feels like feels a bit like school, so uh ya I never had a problem with school or anything ya but having an environment where


uh I mean in an environment where I've been to before it's, and an environment that I've encountered it it would be like, uh much less uh stressful much less like uh, complicated ah uh so Zaki what's the nicest thing and did someone ever told you


uh, thank uh thankful for, thankful for uh everything ah uh thankful for like my friends uh


my family, my parents I guess my brothers uh it cause they always, I don't know like somehow like support me


from from behind even though like I don't say it back, uh I still like feel as though, uh they have my back uh no matter what lah, ya, then so Zaki what's the what's what are you thankful for


so can you see that is like one of your happiest moment in your life


memorable travel experiences that you would like to share


just be, okay


what I like most about myself is that uh, I try to I try to be there for others ah I try to be there for other poeple, uh, if like for example, the


uh feeling a a certain type of way, I I I I just try to be there, uh to make them feel better ah like for like if even though if they like, uh don't want to talk about it I would just uh


sit uh beside them just sit with them until they feel better


usually I choose that people who uh I want to be there with ah, for example uh uh, may maybe like work friends uh that I spend most of my history


uh I guess are secondary school friends my poly friends, uh, friends I meet outside, while uh, basically like socialising ah, I make friends uh most


almost everywhere I go cause I try to like be the positive one in the social group, uh things I would like people to see about me, I I really don't have


anything but, that uh I I wouldn't want people to know me for, myself because I rather make people feel better than, uh, making people feel better about me


what's what what's your biggest blessing in disguise,


I probably would say uh eating ah because as a kid I was uh very, picky eater I would like, tend to only like uh western food like spaghetti burgers, uh


fish and uh fish and chips and all that, but now I like getting more and more comfortable if, uh like, malay food indian food, uh, I would say chinese food ah but then, actually ya can still say chinese food cause got like #yong tau foo# and


ya actually I still don't like Mala, ya Mala Mala is just spicy,


no Mala is just spicy there's no other flavour to it there's there's from what I, see ya like, like you can like you can compare it to can compare it to Tomyum like Tomyum is Tomyum got like a bit of sour and spicy but Mala is just spicy there's no point


talking about uh what I used to hate as a kid right, uh what's your what's your best birthday present where you received and why


gratitude for people is it


it it defeats the purpose ah


ya I agree, what do you love most about yourself


and usually that happens ah most of the time when I go out and try to find something that uh makes me happy ah, and sometimes is unexpected sometimes is expected like, ya it happens lah


ya it happens, uh, ya


you know sometimes you you don't look for it but then, uh


it happens ya and that's the that's, yup, and and sometimes that's the best feelings are that the ones that you don't, uh actually uh expect


ya so describe your perfect day


my perfect day a perfect day for me is, uh, will be raining in the morning, and I have a black cup of tea, and just sit by uh just listen to like


uh, one side of my earpiece like listening to some songs in the other side, will be like free to listen to the rain and then, and then if I were to fall asleep to wake up like maybe at uh in the afternoon in the evening or at night and probably go out


go uh, maybe like go around uh singapore or, go meet friends and just uh, enjoy


my friends companies, or maybe even like uh go to the maybe like the seaside, to enjoy the night breeze


uh no the I I thought about learning the guitar but then uh I found it was a bit too hard for for me ah because I feel like I wasn't uh musically inclined


by personal I don't think I have uh any personal insurance I don't necessarily uh pay anything now since I don't have a job but I think I have insurance in the form of like my what's familiar in insurance


I think my uh dad has bought like a family package for like everyone in the family but for personal insurance I'm not sure because, I uh don't make any contributions yet so it's not really applicable to me right now


but for you do you have an endowment plan or do you not have an endowment plan


ya for this question I'm pretty sure I would uh do both of because uh usually insurance is uh sort of like investment of like the time you spend at work now uh for the time uh cause like in the future where you might get into a like an accident so


I want to just mix it I can't just depend on myself to keep myself safe if possible I just get a investment in some sort of , before this uh pandemic time is over I'll like to just uh take part in like the market like when is like it's lowest right now I think it's ya so the whole insurance thing uh might think about it like after I graduate or in NS or ya


ya because insurance is I insurance is is some sort of like an investment, ya, so for you is it term life insurance or whole life insurance uh think you think which is better


uh for investment-linked policies uh I don't really have enough insight on that uh for insurance portfolio I think it's good to have uh maybe an IRP in the future just to cover like all bases is I think it's better to be safe than sorry


it should be I think CPF should be at the very basic level uh and


uh for CPF I think it'll be just uh fine as it is, but ya when it comes to MediSave I think uh to I would just like uh some sort of peace of mind but I'll I'll also will like uh not too like hand over too much money to an insurance policy


ya I think I'll uh rather have like some sort of uh investment in something else rather than uh it sitting ya in like overly stacks of money inside a insurance, ya so for you would it will you approach an agent or DIY when it comes to insurance planning


so if you are buying if you're buying insurance like then then what do you uh look out for


, I think this will have to be a very general types of insurance uh for people my age I think it's it's not really the age group that matters about that much I think it's about uh think maybe


socioeconomic status or something like that where uh if people have the ability to like uh afford uh motor vehicles or whatever uh and at that this point in time right, I think that it'll be much better for them to like just get like personalised uh types of insurance ah for other people maybe it's just a general insurance maybe just like the CPF the MediShield safe kind of insurance where


it'll just protect you from uh most ya most uh accidents ah like maybe it's a some sort of like hit and run, or uh workplace uh like when you're at workplace and disabled


anything like that when it comes to uh people around my age


if I'm eight ya if I'm eighteen this year it'll be hard to it'll be hard for me to like afford insurance or uh seek out like a financial agents so I have to, some I'm not have to some sort of like uh have like uh dependent relationship on my uh parents to uh


just see what's uh right for me cause uh if I work in the lab then uh I think you can get like insurance around that because I might have to go into my uh final year with a project or some sort of


uh learning in a lab setting for like different companies so basically internship so maybe I need to get uh insurance or ask my parents for that sort of insurance because for now I don't really have the funds


to seek out my own uh knowledge of the subject


I mean I think twenty percent is a bit high isn't that the same for CPF where it's uh also twenty percent of uh what you earn, I got save to to CPF so uh I think if possible I'll uh would probably cut down maybe to like fifteen percent


it's it's it's quite essential because uh different insurance packages can uh appeal to different types of uh like people with different risks affinity so uh if you are on your motorcycle a lot then it will be best to get


uh insurance that covers uh many bases of like such uh hobbies uh, so is it uh so your insurance is it from a single insurance provider or do you pick and choose from multiple companies


so so is it when you uh just like get your motorcycle or property uh so if you have any like experiences with like the policy then uh I think it's better you just share with me first


I think it has to do with experience first I'll ask uh how long have they been in a business uh secondly I think I'll ask about like maybe the uh fees, uh third maybe I think I will ask them about their uh customer experiences because


first thing is experience is that uh cause without experience I don't think they can like read my situation like carefully so if they have like experience dealing with uh students or whatever


uh that I need to go to labs and work in work with like dangerous chemicals that can give you uh cancers right uh I think it's better for them to like have like a wide range of uh different different types of you know


different types of experience first thing ya


uh definitely since uh, most labs would have like a, I think pretty low chance of uh things going south because uh it have lots of


uh emergency sprinklers and all that uh around the area but uh if some if something were to happen to me over time I think I would like seek his advice because uh he will also know like what uh types of dangers uh in a lab as well


so I'll uh turn to him for insurance that's my first opinion on the matter ya


maybe if I was their insurance agent I'd ask about like, what they are uh doing uh what holidays or where they go for holidays uh just to get a general feel of the type of customer uh planning to shell to sell the insurance too