uh or whatever uh product then maybe uh I should cut down on my expenses uh, ya in in the in the same month whereas in the past maybe , uh I will just keep on buying like as long as I can afford it I'll just buy and as long as thing is cheap enough then uh which okay ya


which , so


err, wait there are okay yeah so our next question is


should I DIY or get a financial adviser help to plan my finances, so for me I think , I think uh both ways work like


if you really have the knowledge, I think budgeting itself it's it's really dependent on your own lah how much you want to spend how much you want to save, but then if you want to come to like uh uh a real professional like that that can help you invest or or


manage your wealth and then you probably have to get uh someone who is professional professional but given that there are so many like uh so called financial advisers uh out there and one of them may just be your friend so, many of them actually offered to give me this kind of a wealth planning ya did so


they don't actually set out to sell you anything they will just analyse uh, your what's your finance like what's your wealth uh management how how you going to allocate each and uh everything of your, uh and then they will help you set out your life and uh what kind of products


can you consider ya so, and and and then it's totally free so I think the fact that they have gone through some training like they have probably more knowledge than I I do so I think, if they actually


offer me such services then I'll gladly take it lah, yeah


ya, where where I think uh what's important is also like you you get yourself educated like you, know how to invest yourself and then so that when you have the capital you can actually do something yourself or like when you actually consult a financial adviser like uh they you they won't actually sell you the wrong thing like you know that something is wrong so it's important that you


you are educated you have some knowledge in that in that area also, okay uh let's move on


okay for me so uh so uh I haven't done much, okay how do I manage my cash flow so there isn't actually much cash coming in like inflow as of ya cause we are all students right so


I tend to save all my money and then I try to keep expenditure as low as possible, ya same uh but I'll, I think in maybe in the future I will look to , perhaps save twenty percent to fifty percent of my income


ya and then, the expenses and insurance wise , I think it's fairly important as well but uh, ya we'll will see about that lah in the future like


part three negative experiences


okay for me it's it's uh, as its quite serious I think ya so I didn't it didn't really give me goosebumps but it it had a really huge impact I think, so while I was travelling in in the states I saw a lot of uh homeless people in the streets so it's appalling to me for me because uh I know that poverty has always been a problem for many years but to see it in real life because uh


they are in literally like living in tents on the streets so it's , thinking back , I see that how, singaporeans have always been protected like


uh in a sense like they are not even a full picture of how poverty is like so we know that uh people can earn very little in singapore and then they live in like uh what kind of homes, or they some don't even have a home but we don't actually see it on the streets so to see it in real life or in america I think


ya I think it it it left quite a huge impact on uh ya and one of the biggest takeaway for me that uh during the trip, yeah I I'm I'm might not have answered the question like it it did like sort of give me a some goosebumps I think


yeah so next , describe a time where you feel that you have committed something gravely wrong and there is no way you can get back up and start over, uh , I I think this is kind of extreme where I I I don't actually have this kind of experience like I have to I


I have failed miserably and I can't I can't get back up uh, yeah, do you , ya I think, thankfully we we we we haven't made this kind of mistake yet yeah hopefully it it it's


it stays that way, so, describe an event that made you very angry, , I think, uh for me as as far as I can remember there was uh once in my CCA during secondary school yeah so we were gathered and then there was this senior who were talk who was talking to us so


obviously there are there are people who are interested and who are not so, there's uh a particular person that is he's he's just not listening he he hasn't been uh attending sessions for quite some time and then he he happened to appear yeah and then when the senior was talking he he wasn't uh paying attention


but uh so what the senior did was he grabbed his water bottle and he threw it at at the particular person which, got me really uh, , affected lah and angry ah because I don't think that's that should be the way you get someone to listen to you like even though he is he isn't listening so ya why why why do why do you have to do such thing


why do you have to resort to violence ya which I think, uh, but end up I I didn't do nothing I didn't do anything ya, ya which I thought I should have stood up for for him, yeah perhaps, what about you


okay, I think, what disgust you and, uh the followed uh the point later on like the what frustrates you it it kind of uh


has some similarity which uh I want to talk about ya, uh, so as an avid user of a social media I I I I, I just can't stand like when people leave irresponsible comments like


I try to avoid but I I just think like how would someone like human being would want to leave such kind of comments and and they are not uh, they're just uh inappropriate comments but they are really really toxic comments like what I I always think like


, there's a pros to social media but I think this is one of the huge negative which uh, I don't know I think it, uh frustrates me every time yeah whenever I read the


ya like how I cannot imagine like how why would someone want to leave such toxic comments for other people ya, uh no obviously not I I I okay never mind you can


share


oh wait let let sorry sorry so I just want to add on something that I read recently which is the very toxic uh cancer culture, yeah so I think, I cannot stand people who just, sit behind their desk and then they just point something out that someone has done wrong


and then they feel really good about it ya, so I mean everybody makes mistake right like how can you what makes you think that you you can be the judge to judge the person like who who, so like to judge whether or not he's right or wrong and then to uh


to, I don't know if if you are trying to get him to uh face some consequences that is okay, but then you don't have to do it uh such that he he will lose his job his, uh really being harmed yeah


backed by so many people in the world ya I think uh that's one thing , not only singaporeans not only americans but everyone in the world uh should, yeah uh


I think you better concentrate on this, ya ya please carry on


uh okay for me I think I think there are a lot, like , for example uh like what you mentioned climate climate change uh other than that maybe uh, wait not, human rights uh animal rights uh gender equality there are there are a lot of issues that


I feel the world needs do more about but uh one thing that uh maybe it's uh post GE and then I hope is it's not like political stuff but I think uh, income inequality is actually like one of the


concerns that I have because, , , I don't think, the fact that uh the government keeps wanting to try to help the poor is uh will work, I mean if it has work but ah I'm not sure


uhto mark how much to extend it will work but so I think, one question that I have is like why why why is it that the the rich keep wanting to get rich like I think it boils down to uh perhaps greed yeah because


uh money is never enough like they would they keep wanting to accumulate wealth but uh, uh obviously some most people do uh help the poor but I think I'm thinking like, uh, perhaps much more can be done


like out of your own kindness like ya (ugh) your own will and not like having the government to tax the rich ya because it it it's not going to work, I I think by taxing the rich only the rich ya, so I think more


, in a way to help everyone the the the the best way is like to help, the people in need uh out of your own will yeah, to build a kinder society


yes, so yeah uh allow me to carry on , so in a post world COVID world what are some of the worries I think most importantly it's uh it's, a top priority is finding a job especially for us because uh


yeah we're graduating uh thankfully not this year but, next year so how long the the economy needs to recover will will also the effect uh whether or not we can uh find a job so yeah I think uh definitely finding a job and then uh having a


uh source of income it's it's a top concern for me and then also, uh singapore's economics stability like how is it able to , recover ya it affects people in in a lot of ways


uh not only jobs but uh prices standard of living ya cost of living and, a lot more ya I think


, , I think as it's, I might not have known like even up to now I I'm I'm not sure but I think


some sort of bullying in class in secondary school like where you give you tease someone or you at make a certain kind of remarks about the uh on their their appearance or something, ya I think uh at some point in life


I believe uh most of us might have done it ya, I I can't be sure but I think, uh it's this kind of uh, things small things that you think that would uh it wouldn't affect people like ya I I I personally have done it ya which I think


uh, it may be out of fun it may be out out of boredom like I would just want to irritate the person but it but those nasty comments might just uh , uh I think yeah, yeah


I don't feel good about myself but I I I I in I , it may be just out of fun like, uh teasing kind of uh nasty remarks yea but I think uh


we shouldn't do it lah


, why why do you have to hurt someone, okay


, I think perhaps rude people ya I can't stand rude people people who are rude yeah, okay


do you do do you have anything to talk about at the worst thing you have witness and kept quiet about


oh okay okay, err yeah, so recently I watch a lot of Netflix at home but uh one particularly series I think ah hold it I can't remember name but it's about the central park five have you heard about it


okay so, I I I allow me to share with you so what happened was sorry oh eh eh, uh ya so basically it happened in #new york#, uh central park so is this really huge park so uh there was a top accountant who was just jogging like uh back


I think around eight or nine PM at night it happened uh quite sometime back like nineteen nineteen eighties I think, ya I can't remember eh wait uh ya sorry I'm not sure but uh so what happened was there's a group of uh, uh uh black children who were playing around or or maybe not children a teenagers they were just playing around so what happened was uh the top uh the female accountant was attacked and then they were uh she was uh raped ya so the police couldn't uh find the actual


uh perpetrator so they pick they, uh, just uh arrested some random five, uh teenagers who happened to be there and then they hit they locked the uh


five of them up uh individually and then forced them to uh admit to charges that uh they weren't guilty of, yeah so, as much as uh is the media that portrays a and is a real incident by the way ya as much as the media portrays it to be like


how it wants it to be like some some uh facts might be, some some of it might be ya might be twisted yeah but I think overall it still a a true incident like all five of them were uh jailed, ya for like think uh five years upwards ah some even ten years eleven twelve years ya so a part a huge part of their life were just taken


and it's uh mainly due to a I think racial discrimination ya which is still a, uh really uh ya serious issue that is happening, especially in america ya so


it didn't make me very angry to watch but I I felt uh a lot about it ya, do you have anything to share


part two positive experiences


okay for me I think uh it's, probably the last year from uh august onwards so I went to the united states for my school's exchange so I travelled most parts uh oh is not most parts that just some parts of US and manage to meet uh a lot of people


across the world in my school so they come from uh all sorts of uh places like germany uh uh asia ya south america and everywhere, ya so it's uh actually it's a very memorial experience for me because uh growing up in singapore you you will feel safe and then


the best thing that you can do to learn about other people is actually uh is probably just by reading so you read and then you you look at pictures so to see it real life uh experienced it first hand has actually , at you will get to experience a different culture like uh and then food the people and the way of their their way of thinking so I think


it's it's uh a very good experience for me yeah


okay so for me I think, it isn't exactly uh a faith in mankind renewed kind of experience but uh it's just a really nice and kind deed by a stranger which uh really warmed my heart so


it was back when I was in uh US so after my edge uh school we I travelled around with two of my other friends so we were kind of crazy we went uh we decided to pitch a tent in grand canyon so grand canyon uh national park so


it was (ugh) I think, it was during winter and then the temperature was really very cold so but uh being the very noob like pass uh so we didn't really have, uh that much material so we we had a few pieces of uh firework and then uh lighter and then we we wanted to set up fire


so it was getting really dark and then we we couldn't get the fire to burning then uh, so just as we are about to give up and then just head back to our cars right uh to our car uh so this kind stranger from uh


somewhere actually his his tent was just a, perhaps uh fifty metres away from us so he came to us and then he he gave us a a bottle of, uh leftover liquid liquid uh lighter fluid ya


and then some uh materials like some dried leaves and then he he basically help us set up the fire so I thought uh, yeah, he didn't actually have to do that but he see that he saw that we were struggling so he thought


ya kind a kind gesture by the by the stranger has actually, uh made a really huge impression in my in my uh in my exchange programme and my travel yeah , so uh the next what leads you to experience an adrenaline rush so I think for me because uh


uh I'm kind of a, I'm actually a very lazy person so I tend to do things uh really last minute so I think what gives me the adrenaline a adrenaline rush is actually uh when did I I I I only have a few hours to complete a a really huge task so I tend to uh


Chiong I tend to do it very quickly ya and then, it it's kind of uh productive but definitely not the, best way to do things so yeah aside a from that maybe doing uh really thrilling things like uh I did uh


parachuting in Chicago ya which I thought was, , yeah you you you you won't actually think much about it you just uh to yeah


what about you


, , I I don't actually have uh an anecdote for this, like ya maybe we can just skip so


maybe I'll talk about like some some questions that I have so what amazes me so uh I think, uh, uh uh, sorry I I don't have an answer for that do you have one yeah maybe you can share if


okay, ya okay what amazes me so, , I think it's pretty much linked to the next question what makes me want to be alive so the fact that uh


I am fortunate to live comfortably away from uh all the, to be actually born in singapore so I think that's, actually, that actually amazed me because like there are so many people in the world the fact that you are so


lucky to be actually born in in a country that is so safe away from uh oppression war hunger and, a lot of different things that is happening around the world so that actually makes me, !wow! like a like uh ya I I I think that


it actually, yeah, because I I I believe a lot of people like in other countries are suffering just because, they are born in the in that particular area at that particular part of the world so


the fact that uh, I wake up and then I I think that oh I'm I'm in like I don't have to worry about uh so many things, I have a house to live in I have food on the on the table I have education for me ya so it actually yeah it links to the next session is which is what makes me want to be alive so


the fact that I I I know that a lot of people out there in the world they actually would die to be in my shoes actually yeah, so I would want to, make my life worthwhile worth living yeah


(mmhmm), okay, , okay


for me I think it's uh I think ah because of uh my character because I I tend to be, really quiet uh, when meeting new people so I tend to observe them a bit more


yeah before I I even start talking to them so uh when they do something I will think to myself like like why are they doing this and what is their character like what makes me make what makes them do such such a thing, yeah so it's it's not exactly about a a a secret skill or uh ability but I think it's more of a uh some my character yeah


, yeah okay do do you have a, experience that you blush the most


yeah,


okay thanks for sharing, I I don't have, such good looks as you , uh, I I can't even remember okay maybe during my primary school the presentation no no no


so there was this presentation group presentation so I I I I'm I'm actually uh very afraid of presenting in front of class, like even up to now I got a little better but still ya stage fright and everything so I I I basically


look at the screen and then I just read and then I talk really softly like like the teacher couldn't even hear me I think, yeah so I think that was one of my uh most shy moment yeah


uh okay then uh moving on like my favourite activity to unwind and relax so I like to uh workout I like to gym exercise uh move around


uh ya so be it uh working on the gym or just a simple walk a simple walk, so exercising uh it makes me forget about like all the things that I have on hand so it makes me feel better make feels positive so it makes me tired as well so I can just go and sleep and then I wake up tomorrow yeah studying again


uh what about you, (mmhmm)


okay


ya I think I think uh, it's it's kind of rare so most of the time it's it's when you feel, it's after the incident and then you feel that you should have said something like might shut the person up ya so


, yeah I think we make we I I don't actually have a uh exactly uh a good one to share, so maybe we can move on of the yeah


, so uh right of my mind I I think so when I was in secondary school I I I was


uh selected to participate in this uh overseas, community uh trip in nepal so I think , so each of us had had to do a certain uh activities like uh one of the activity was to revamp their courtyard so it's actually this uh foundation for orphans it's actually of orphanage like ya


so what we did was uh to revamp their courtyard so we basically had to take everything down and then just uh, the uh from the cement and everything we lay down the, (ugh) bricks and the the tiles and then rebuild something out of a


out of nothing so my my task was to build this uh, table tennis uh table tennis table from scratch so what I did was uh helping to lay the bricks and then you you have to


it's not as easy at it seems like you have to lay the bricks and then you have to put on the cement but then at the same time you have to measure like the height of the, uh the cement ah the thickness of the cement such that the your your your


table like the stand the supporting one a supporting the support comes out uh even ya so it's it's actually uh a lot of hard work ya so I I I was tasked to do that and then


appreciate from appreciated for my hard work I I think all of us were, actually appreciated by uh for our hard work because uh it was honestly uh not an easy job but uh I think, they showed uh appreciation by uh yeah


through their smiles and their ya you know that uh it pays off lah, is there uh yeah what about you


uh


, of for me I think uh, it will have to be a sunday, yeah so it's


so, uh it's either you I wake up really early and then I I go for a workout workout like I exercise or I sleep in really late, yeah and then I have a good breakfast, ya is either that and then perhaps a picnic or something with my family yeah and maybe end it off with a movie ya and then you sleep and you get ready for work


part, part one financial related topic, uh ya so how do you manage your CPF savings uh what advice would you give someone give to someone in order to maximise their CPF savings for retirement uh for for me I don't


I haven't really earn much CPF because I haven't uh start getting a full time salary so I'm not very uh, err, well versed in this area but then like I did go and read up uh like how how do we maximise our CPF savings so uh so firstly is that uh you can you can top up your CPF


like every uh every year or every month and then, uh , I think they can give you a tax rebates yeah but other than that I'm not very sure, ya


yeah, ya and also like like since the rates are, sorry it came in, you continue you continue, no you continue it cause just now I think you you lagged out


, ya I don't really have much to add for that too, uh, so do we move on to the next question, okay so the next one is what advice would you give to someone in order to reduce their income tax


ah, so I I uh went to search about it and then uh there are several income tax reliefs that we uh singaporeans can enjoy so number one is that uh we can top up our CPF and number two is like making donations like monetary donations so the the government actually give uh


income tax relief for the amount that you donate, and the other reliefs that uh we can claim include spouse relief child relief parent relief earned income relief and so on and all are subjected to certain conditions so I think for myself I have not reached that stage yet so


I didn't went to drew into detail about it, but uh yeah I will definitely look at it in the future, so ya get what I mean,


ya, ya ya just to top them up, uh I think that as long as you are uh the middle to high income earner and you know that you wouldn't need to withdraw the funds before you retire and then you have you also have plans to invest the money then contributing to


this uh SRS can up size your retirement stash and it can also gives you a tax relief so it's a it's a good option especially for those who really don't need the money and to


add on uh I I wasn't aware of this but it seems that we are able to invest the cash that we top up to SRS scheme so, since we can earn tax relief we can still do investment with this uh fund


then I think it is a, like it does make sense to top up into this account especially if we don't need the money at all, yeah, yup I I mean #Kian Ming# anything else


alright next, uh, what's next ah how would you make a financial plan investment portfolio for your family and children, #Kian Ming# do you want to start first


how would you make a financial plan investment portfolio for your children


, ya I think for my family uh what my parents did was to uh like what my parents did for my financial plan or investment portfolio would be to uh plan out what are the expenses that would be incurred so for example like sending me to university is like that an et cetera like


so my parents will set aside that that that amount of uh money so they know that by the end of the investment and within the number of years before I reach uni, that they will be able to have that sum of money to fund my university fees


so I think firstly you need to know what you are saving for and then after that ya try to find investment plan that will help you reach that goal and how and and also decide like how much money should top up lah, yup, next


okay how do you spend your money which expenditure is justified and what have you been spending too much on, uh for me I honestly just spend it mostly on essentials uh so for instance like every three meals sometimes I go with friends and I try to eat uh something slight like we eat slightly better food that cost a little bit more


and uh but I also spend on uh extra things like monitor screen speakers keyboard and mouse but uh in my opinion those are honestly kind of necessary for me especially since I'm a software developer


so all in all it's just uh I try to spend money for those for stuff that I really use for a long time and if not I'll just try not to spend on them, and what have I been spending too much on I think, uh


maybe when I go for holidays I tend to spend more ya like going on holiday trips, yup #Kian Ming#


oh sorry uh moderator I think my screen blacked out and I'm out of the, the app phone app, okay


, uh ya, I think for me uh I'll opt the DIY option more because like firstly there are a lot of uh information that we can find online and then if mine DIY option is not working then


then maybe I will consider finding a financial adviser because uh I think for financial advisers especially since we are not like high profile clients they always have a motive or like to sell sell us their plan , so I think for for someone like me who hasn't earn that much money


uh it doesn't make much sense for me to go and find a financial adviser and but definitely if I have more cash on hand then I would consider finding a financial adviser especially how to grow that that part of cash to to make it even more to earn even more


ya that's my take that's my take


, okay, how do you manage your cash flow


how much of your income is allocated to savings expenses and insurance, uh for myself I don't really do allocation because I don't really have a problem with my finances I think, but then I still keep my expenses to the minimum I try not to spend at all or and if I do have to spend I just spend a little and uh most of almost all of my income is


goes to uh savings or investment and for investment I will take like a small percentage, of my savings to do the investment so for instance that I I capped it at like fifty percent of my savings especially since the stock market uh recently has been very volatile yeah so that's my take


(ppl)


part three negative experiences, uh describe something you've you've watched or read that gave you goosebumps


uh, I clearly remember the time when I really had very very bad goosebumps was when uh my friend showed me, uh you know those images with a lot of holes is called trypophobia so like they have like random images and then there's like tons of holes and then it's like somehow very freaky and disturbing


yeah #Kian Ming#


yeah, same I I I don't think I've done something gravely wrong either


yeah, ya luckily, uh aches


uh yeah I think for me uh, it was when uh in a handball match because I'm uh I I was in the handball CCA so in a handball match when the opponent was uh like the opponent didn't exhibit good sportsmanship especially when like they were really dirty and really out to to hurt our players


so I was very angry and then handball being a very contact sport and I was slightly stronger than uh most people so I was all out to injure them too since they didn't show sportsmanship, ya that's for me uh shall we move to the next one


what disgusts you


yeah


have you been a victim of this before it sound like you are a victim, oh okay, , uh for me I think what you said uh uh just make me angry and unhappy about it but it doesn't disgusts me as much uh so what disgusts me is uh dishonesty and pretence especially when people try to be someone they are not or like try to be good when they are


actually like they have a very very bad character ya I think that disgusts me the most because like I I think about like how many people have they uh lied to how many people have they uh, betrayed and stuff ya so it's like a


yeah next, what is an issue that you've ya ya sorry please continue


sounds like you have very rich uh experiences are you sure it's not personal, uh, okay next what is an issue that you feel upset sorry you end it yet you okay ah


I mean what is an issue that you feel upset over because you feel the world needs to do more about it, uh I think for me it's definitely global warming and all the environmental issues because like even like a big countries like US pulling away from


from making uh a change for this kind of important issues which I think like this kind of important issues can only be solved, by governments because like it cannot be solved by corporate and also when like everyone's up like everyone around me uh


or like a lot of people around me are trying to chase after profits but at the expense of creating more rubbish for the world so for instance like let's say like you going to earn more money you just need to sell more sell more stuff sell more items, and get more profits but then like it it you are selling things that people might not need and then you do marketing for


you try to persuade people to buy something that they don't need also and you just create more rubbish around the world and then is is this problem about rubbish it's really really bad and then the ones that really get affected by this huge part of rubbish are those uh third world countries


yeah that's for me ya


yup yup


yeah I I agree the economic part so I also worry a lot about like singapore's economy like as as as of what I see I think singapore is in a really really bad shape and, everyone is still doing well because of what the government uh payouts and stuff like helping SMEs helping companies that so that they don't retrenched their people but then like once all this help stops and then that people are already going to get unemployed


and that might be social issues in singapore like especially since uh, like that the like the poorer groups in of singaporeans can get angry because they like when they can't meet their daily needs and it might be a really ugly situation in singapore because many people especially the leaders were from


a privileged backgrounds and might not understand these poorer groups of people so for instance like many of them might not be able to uh make ends meets and then get really frustrated but then like the privilege leaders might think that oh there are so many ways of


for you to get help like why why can't you do that but then like there are actually a lot more, hidden reasons why they can't and, ya that's that's worrying especially when is this group of people get more and more angry and then when they are more angry then uh more social issues can happen lah like crime and stuff


ya err, describe a time when you hurt someone's feelings, uh you #Kian Ming#


which girl did you hurt them their feelings


so you are one of those that like criticise people but then and then feel good about yourself


I see I see, , yeah, and uh I think for me, I I think I may have called people fat but behind their backs so I don't think they know so I don't really think I hurt people's feelings very badly before


ya I try not to hurt people's feelings because it's uh, like it's not needed lah like the kind of that kind of harm is not needed, ya, a bit ya precisely I don't have to hurt someone so I try not to hurt them ya


ya what frustrates you, uh when I want to achieve something but I could not and when I try really hard but I don't get there when I try very hard and it it still fails yeah I think that really frustrates me


ya #Kian Ming#, rude people ah


I see, uh yeah I think my neighbour actually does illegal stuff


but then like, I've to keep quiet about it if not, I'll be a victim so ya I think next one, yeah then uh next is recall a scene from a movie that made you too angry to watch


do you have uh any #Kian Ming#


no sorry I don't watch as much ya, please educate me, nothing I say please educate me


exaggerated lah, oh


I see, uh no I don't have actually


uh shall we continue with the questions, what is the most traumatic incident you have ever experienced in your life, alright


part two positive experiences, uh describe a travel experiences that left you in awe


uh, uh maybe I can start first uh, I went to europe with my girlfriend before like that was during her exchange and that was one of the best travelling experience uh thus far like we went to slovenia we rented a car and uh we drove through the alps and visited many natural sites and experience the local culture necessity


so for me uh I'm a very nature person so when I went up to the julian alps it was honestly amazing, and I I really love the experience there yup


okay next question, uh describe an experience in your faith in mankind was renewed uh uh I think firstly my faith in mankind hasn't died out yet so, so doesn't really renewed but then like for like one of the things that made me feel like faith and mankind still exists is that


uh I went to volunteer with the volunteering group before and the group basically have a regular meet ups with uh elderly folks who are living alone in their studio apartment, so the last time I did was that uh like we visit them in their at their studio apartment we created gatherings for them and we went to talk to them and to kill some time with them


uh but after that I I kind of stopped because I had I had other commitments but then as far as I know the leader of the organisation is still active and, in in doing this kind of charity work and they even delivered food daily for these elderlies who are staying alone at home during the circuit breaker period so I think that's a huge sacrifice for for them especially since like most of them are


uh students some of them are even working so I think that's that's really remarkable from from this group of people yeah


uh for me, actually it's very similar like I I wrote down on somethings when I have to complete an assignment while I'm really rushed for time I I think that's the most adrenaline that I can ever get and apart from that uh it will be when I'm playing sports so I think like when I'm playing sports uh competitively


ya the adrenalin really kick in and yup I think that's that, uh, describe the moment when you felt the luckiest uh #Kian Ming# you want to start this


I I don't really have it too, okay, and so I I think I skip the what was the proudest moment


oh I have I have, okay lah actually it's very short it's just uh when I completed my forty two KM, like full marathon run and when I uh completed my thirty two KM march or like twenty something I can't remember


ya I think that was the proudest moment ever, that I actually complete yeah continue #Kian Ming# with uh what amazes you


that feels like a !wow! I'm so lucky though


I see okay,


uh I think for me what amazes me is that uh when someone is able to achieve their goals no matter what challenges they have to face especially those who grew up from a very harsh background and have to, uh like what #Kian Ming# say like we are so fortunate compared to those around the world so when other people have to go through all the suffering hardships that we don't have to but then still


succeed and and and are still happy with their uh their lives and themselves and I think that's really amazing because like if I were in their position I might not be able to feel that way or do the same thing, yeah and what makes me want to feel alive uh family friends and laughter uh yeah I think these three are the key things for me to make me feel alive and is like what that makes me want to be alive yeah


what is your skill or ability that you are secretly proud of having, err, I think for me I'm pretty empathetic


and, so I can relate to people well I can also understand people's hidden intentions too but then uh that's what I secretly think which might not be true yeah


#Kian Ming#


, !huh!, when I blushed the most actually I wrote it down uh it was embarrassing to say but like


uh like when girls used to eye candy me so back in JC the handball juniors like I was in handball and then the juniors, used to think that I'm good looking and they will give some reactions when I walk past them or something so I tend to like I'm not a person that likes this kind of attention or maybe I secretly like but then I don't like


to be known don't like to be popular that kind so I tend to like avoid them, eh eh ya, , so so what about you #Kian Ming#


no but what what else do you make you blush, when guys like you


, I see yeah that's true that can be really embarrassing


uh I like to exercise as well ya gymming running running maybe not so much but like just exercising general makes me forget about the things that I have to be concerned about like at least temporarily, so that I can clear my head and then when I come back to it again I feel better I feel


not as tense up yeah, err, describe a time when you made a comeback that shut everyone up, I actually don't have much to say about this because I don't think like


I uh I I I have much uh chances to do a comeback I don't I don't really get, into that situation ya #Kian Ming#


yeah, okay ah the next question, yeah to the ones that are in the chat lah, uh describe a time when you got appreciated for your hard work


err appreciated for your hard work


uh I think for me it was during my internship like during my first few internships, uh because like uh I used to be a really detailed and make sure that the work I submit is of high quality like I still am but I I give a bit less uh effort but then like


uh so for that time I I was really I I already put my hundred percent effort like we all work on we're OT we OT until like eight nine and even saturdays will go back so it was not an easy period but then like when my boss who I know that it's a very honest person and


when he give compliments he really mean it so when he said that he really appreciate our our our hard work and that uh that our code has been, oh so I'm a software developer so I code for them so that that our code has been really helpful in the company's development so I I I really felt very appreciated during uh that moment yeah


uh next describe your perfect day, I think for me is that the perfect day would be when I can wake up after having sufficient sleep, and for the rest of the day there's no noise there's no arguments there's no


(ugh), nothing to disturb your peace, and then you can go exercise also and then you can you can go and uh uh meet your friends meet your girl meet my girlfriend, and uh have a good laugh during the day yeah ya


ya #Kian Ming#, , you and G C B


from one slash four, oh okay so how do you invest your money to pool it well and now planning for your retirement


I'm still a student so I don't really have any insurance, much insurance except for my, one my parents has bought me, so personally I try to do my own investment, so I try to do some trading and stock and some investing lah less not so much of trading


so get some dividends and some capital gains here and, there ya so, that's a little bit to accumulate wealth and all


ya lah so I guess it's a little bit like yes you have strategies involved, so like to , sort of like a budget lah so probably like if you have ten thousand probably don't want to put all ten thousand in the bank, go and put some insurance


some you want to invest some for rainy day ya so I guess that's one of the strategies, for someone who's planning for big ticket purchases


that's what it's all about planning I guess, so maybe how do you manage your, financial commitments before and


ya correct correct correct electricity, you have to start paying your own bills, ya, so you probably can't spend as much as before like doing, malaysia all the travelling or


post-COVID what changes are you making in terms of spending savings habit


post-COVID eh so it's like, ya sure, I don't think for me there's any changes for


ya I guess , ya I guess okay, FIRE financial independence retire early, I guess it's also about strategies to budget all your money


because , you don't want to put too much money, like you want to focus on retirement yes but, you also don't want to put too much of your money, to, for like thirty years later, because like, if you do that you won't have enough money for current so it's a bit stupid


so you save so much ya it's, not very good so, got to still budget it well


for to achieve financial independence I guess, it's just like do your sums


okay to get out of debt, what advice to give someone


just a good habit lah I guess is just a


credit card is beneficial, if you, pay your sums on time lah definitely I think everybody knows that it's not the interest rate is like what twenty thirty percent, if you don't pay on time, so if you know how to you have good


habits of paying up your debts on time then I guess you should use, if you are you can't then, I rather you don't use it if not you might end up spending more in terms of late payment fees instead of the amount you fake you save


travel more travel miles voucher


maybe you like sometimes you want to buy some big ticket items


okay CPF contribution, service twenty percent, plus seventeen percent for employer, I guess it's good, for retiring MNC's there's a lot of topics on retirement nowadays


if we actually get our money back lah


ya so it's like the upsides of CPF contribution, it's like, some people they don't save, I can't can't speak for everybody but ya some of them those that save or think that it's additional burden, for them, whereas as they can't touch the money for us for someone who don't save money


this is like, to force them to save lah so that's why, the CPF contribution this, is beneficial for these people, so that you can use the money in


okay let's go on, okay now to reduce their income, tax, I haven't paid income tax so I, but I have to study about it so, sort of know so there are many reliefs, for all the taxpayers lah


so I believe they will do, they'll do it automatically so let's say if you are you are working mother, you have working mother child relief so it's like quite automatic lah, whereas for some like recently my my my sister


she received her income tax but then she didn't know that she could deduct, uh school fees, school fees so she, ya so she'll be there'll be lesser taxable income lah so this kind these are the things that he should know about, so afterwards she went to


reassess the amendment amend the the reassessment, so she came back with the lesser tax that she has to pay


supplementary retirement scheme, it's a just a retirement account lah, this is just another I think so


government one government, just put money inside lor higher interest that's about it ya there's a cap for eh


singaporeans lah there's a cap lah per year one actually, actually I don't know never mind okay have ah okay , financial plan investment portfolio for your family or


financial plan for your family so for example for myself lah I give myself example, I recently uh, tried to do a lot of sports so I play soccer


tried to do running cycling and all so in a sense I'm more prone to injury, so I when I got an injury then I I realize that I wasn't, covered, for this kind of accidental, uh injury


so I my insurance couldn't cover they cover but only to a certain amount so, maybe if my mom knew of insurance like this like the more in depth, or played more safe she could have bought like, the insurance, for accidental injury


so that it'll be covered under insurance ah so but too bad she didn't lah so I have to pay, for my physiotherapy and all this kind of things, ya so you got to customize lah it's different for every children lah


spend money maybe clothes, accessories, that's about it shoes


ya I feel that maybe spend too much, too much on branded things maybe


what can you do to earn extra income, I mean if you have to your own research you can do your own investments ah


ya improve your income level


subjected to each other


prompt three slash four


like last year there's this the church shooting ah so there's this guy go and go around, a mosque it's a mosque, ya he went to the mosque and then start killing people then there's a, first person view of the killer go around killing people like it's a game, so it's like it's a very scary thing watch


I mean shouldn't watch lah if you're scared ya so it's like it's only goosebumps so but, towards give me a negative feeling it's like, why do we have to perv into this, like I don't know what's that what's going through their mind


no lah some of them they don't really need help they they honestly believe what they're doing is right you know, the islam, through their culture and all


they believe that their god really want them to do this


they just pushing their, their beliefs lah so, negative thing that happen in the world lah, same along with all the other terrorism terrorism acts ah, ya okay let's go


the time where you feel that you have committed something gravely wrong, a way you can get back up


committed something gravely wrong I mean it's not something gravely wrong lah, but it was like I was having a meet-up with my friend my friends two of my friends so, one of my friend actually canceled one of its meeting not canceled but didn't go to this other meeting so it was like a CCA practice


ya so he told us not to, not to take any videos and post it online or anything in case someone, from his circle of friends see it and sort of report him


ya so, ya so we just had a had a good dinner lah and chat and all, no it's like Instagram story and all this kind of thing, I I didn't think it was anything lah so I didn't thought like we had any mutual friends or, so I just got I the video and I I just still told him no lah we don't have any mutual friends who's going to see my story


and all, at the end of day turn out someone actually saw my story and then, so, got him to a little bit of trouble lah, like he didn't he didn't go to the to the meeting so it turns a bit it was a bit bit hoo-ha then


it actually caused one of the fallouts between, me and my another friend and I, and my another friend and him, so I think there was, something wrong and then since then they, they never talked to each other again


so there's no way to get back from there, I mean maybe there's a way lah maybe, who knows but, that is that for now, (hmm) ya okay so next, describe an event that made you very angry


maybe I can like combine right the next question also like what, disgust me I don't know maybe a bit lah like because I have a friend, from university he's like, he lives in #dhoby ghaut# so I assume he's quite rich he stays in a, landed housing apartment ah


but however he where his his parents are freelancers, so uh I think they can like, they are quite flexible in declaring their income and all, so, what made me angry was that I realize that he's he's still getting like


groceries from school, ya so like, few thousands every year, so like four five thousand per year, where whereas this disburse is supposed to help those who are actually in need, but actually he actually just took this money to spend on himself buy new TV buy buy


ya so , it really disgust me a bit lah so but it's his life lah so I can't say anything, ya so I'm like thinking the money is actually for those people that actually need it not for you to, to spend on this kind of luxury items


like people actually need it to, pay for their school fees, pay for whatever necessities ah not for luxury, items so, got me a little bit angry inside I obviously I cannot angry outside lah


for me I feel like south africa, like world hunger like, they say that you could solve world hunger with actually I don't know how much ah is it two billion, I'm not sure but ya I I don't know lah okay but


ya people actually donate, to help, because there's a paris last few years ago lah there's a paris bombing that actually bombed some church, and then people actually donate money to, build it, to rebuild the church, whereas people can do this kind of thing whereas they can't


however they can't just donate money, to eliminate world hunger, from, from our uh from earth and all, but yet they can just, donate just because the church


it's like they're religious and all, so actually like, you could do something more about it


have lah as an individual there's things you can do about it like for instance, greta thunberg, you know like all the environmentalists, the activist so she's one of them that actually spark all this, uh global awareness of environmental issues lah so


it, there are more people that actually come up


it's not about mindset lah maybe when you change people's mindset


I'm afraid like maybe, maybe like some people who are, a bit ignorant like they'll see like COVID are caused by asians that kind of thing maybe I don't know they change change the world of travelling like know as like heard about like australia


where before the COVID it was quite peaceful, and because of this corona virus, this sort of stereotype, asians is like you know the one who bring the corona virus to, them in australia, so it's very scary where they actually


hurt people even when they did nothing wrong so I hope this doesn't keep up, it will change people's mindset and all, that we are actually part of


what frustrates me, what frustrates me is maybe like


I feel that I could have done better whereas only got this result, so, maybe like not for not try better but maybe I I did my best, but then where the results still like this so it's very frustrating


for me my furthest country I went, it's korea so, I guess it's not bad it's one of the, the furthest trip lah so, so I get to experience the it was my first time in korea


so I get to experience the culture there go to their temples, a lot of the temples try their food, ya, know about their culture, so you get to try the


the costume ah I don't know what is it called lah Hanbok, ya so it was quite interesting good experience , oh ya and I get to climb a mountain, there so it's not just city


and shopping in the mall and all and we also get to climb the


I mean I do good deeds lah but, you know donate to charity and all but it's not much rewards that you can really feel and see but contented with myself is that a reward okay sure, okay describe an experience when your faith in


okay what leads you to experience, experience an adrenalin rush, uh I get very excited when I'm watching soccer so I like to watch my favourite team, play chealsea


so everytime I watch live games I get, excited and agitated and, you know a lot of emotions involved lah so, feel like adrenaline rush


luck yes I once won a lucky draw, so, it was like a open house a junior college open house, so I was like, I will just like try to try just try lah just put the thing inside ticket then I'm like


then when they announced the first place it was like a Beats Beats headphone, ya so and then when they call my name I was like insane, mad, it's like damn crazy because like I didn't expect myself to win


okay proudest moment of


okay what amaze me I can say like, recently I've been to one my friend's house so, uh they got together they are they are couple so I see them, the the way that I see them together, like they are so compatible


they love each other it amazes me lah, uh oh it amazes me to see how they they found each other


it's very vague lah it's very vague


basically technology lah I guess


basically, life ah, something to look forward to so it's like, settle down with my girlfriend have family or have a house first have a family, so these are the things that I look forward to that makes me want to be alive


travel the world ya this one, and, ya lor so there's a a lot of ups and downs lah, definitely can't be up all the way


ya basically it's just all the motivations lah


secretly proud of having, , ability I'm a left hander maybe, quite proud of it ya , no I'm secretly proud what


ya no just like you know cool not very common mah okay lah okay ability ya okay I I can cycle freehand so


quite proud of myself for being able to do that


when did you blush the most


ya it's really a involuntary thing lah I mean, I can sort of, you know how it feels like but can't recall specific incident, like (hmm), maybe when someone calls out a truth on me, like


an embarrassing truth, like you know ya so like people blush quite common lah I mean, quite common for everybody to do that lah, don't really have a specific experience to describe


for me my favourite activity to unwind and relax is, so I actually play soccer lah it's not really relaxing, but it's where I feel fully at ease, and just out there to enjoy myself, kicking a ball and all, so like when I'm on the pitch I just forget about everything else whatever troubles I have in school


any problems, and I just get on the pitch and play and run, get tired and enjoy myself, so that's just, one of the main things that I do to unwind and relax, another thing is just maybe like to spend time with my loved ones


ya so maybe it could be like a long week of, work or study maybe so it's like weekend, to unwind and relax you spend time with your loved ones be it just watching movie, dinner and talk or play mahjong whatever


ya this where I unwind and relax lah


made a comeback assured, uh, I don't know like this I don't know how to describe this, what is the best surprise


maybe like my best surprise that I received, was during like my polytechnic, my birthday I think, ya so it's like when my girlfriend, she planned this vacation thing, and


at the moment I don't know what was I thinking but I totally did thought that, the staycation was for me, so I just went into the, to the, the hotel room ya the hotel room like blindly I don't even know why I open the door


then when open it there was like, surprise oh my god it's my birthday party, ya so we're with my friends and all that, so that's the best surprise I received lah, whereas for a surprise that I gave


uh, was okay recently me and my girlfriend was, uh it was our two thousand date so she clearly don't count lah so I just count for fun, I count for the fun of it lah so, it was our two thousandth date together so I surprised at her doorstep with bouquet of flowers


ya so that was cool


for me it's just I have the mindset that, we will get through this, like this global pandemic I mean like we always get through this like you know the SARS, the global financial crisis on its own, thing so


I don't think we are the world is going to die, I only think so, still quite optimistic about it


next year it's not this year [lah] but maybe next year (ppb) which is still quite a while [lah] (ppb) ya


prompt one dash four


actually currently I only have like insurance plans but other than that still got savings accounts but mostly it's on savings account where you know I just put a lump sum in the bank with the highest interest rate


in in our opinion sometimes I feel like all those like insurance is for like the later part of your life, so currently like you know this age is the age where I want to like you know buy house get married have kids it's time where I need the most funds so I don't really want to like invest in those insurance where it will take like ten twenty years for it to mature before I can get back my lump sum


hence that's why I rely mostly on like maybe such as like bonds, or like, instead of those lump sum, those that are unable to take out the money as and when I like lah


as in I feel like you know different stages of your life you have like different needs and wants, for instance like you know my parents they will like you know look at look more into insurance for their retirement but for me it's more of the I don't really have that extra cash to put into a monthly saving plans with a insurance company


I think it's more of the like before marriage you don't really have a lot of commitments like maybe you just have to like give parents allowance but after marriage maybe have to like pay like for housing loans car loans, ya that is ya


electricity, like before marriage currently the only spendings I have maybe is like


travel online shopping, like I only have to live for myself, but maybe after marriage it's like a whole, different like, different kind of commitments


for spending I feel like I spending more on like online shopping lor


instead of going retail


post-COVID I just realized that my bank interest rate is just dropping like grapes, ya , from my SCB two percent jumpstart become like one percent


but like spending, more or less the same, is it really because I still have a job


plus honestly if somebody like plan so much for their retirement what happen if like they don't live until then they don't live until then to spend and enjoy their retirement


okay lah I feel like as long as, one person has a stable income, financial independence is still okay it's more of the currently everybody's talking about how, to have more than one income where you should have like a


have or like ya main income and a passive income, while like people rely on like trading or like rental, which I feel like it's not something I'm looking at now maybe in the future currently like


my main income I'm trying to secure my main income lah so


somehow I feel like maybe I don't have such a problem so I also don't know how to like you know advice, others on this, like I don't really have a debt but more of like


more of like maybe pay by installment plan wisely like for instance I have like I'm, I'm studying now but then like, in a way I borrow money from my savings account where I will pay every month by installment so it's like a savings


so I pay back to my savings account every month so in a way like I borrow like maybe like one whole one thousand dollars for six months, and I pay back you know a few hundred every month, so maybe like people can use this method for like a bigger sum as well


because maybe mine is just a smaller sum so I do not feel like it's a debt


for for me I do own a credit card but I feel like I was pressured to like sign up for one by the salesperson which honestly I haven't see any benefits from using it yet but I know that a lot of like you know adults they will like use it for like what rebate and things like that


which sorry, ya some people use it for there it's just that not something that I have benefited from currently because I don't use it enough and


sometimes it's more of the why must I keep reminding myself to pay my credit card when I can just use a debit card but I I think maybe it's for those that have financial difficulties


like maybe furniture or renovation wedding, is it where people pay by installment then maybe they have like those interest free credit card


use a credit card to buy car I thought like people take like loans instead to buy car I'm not very sure I don't know


as in I also think it's good ya since that, as in like the CPF contribution can be used for other things what can be used for medical for housing, education overall I feel like it is or like a good introduction and


but I feel like people shouldn't really like solely rely on CPF contribution for retirement, like maybe some people like just feel like oh nevermind lah next time I got CPF, what


I think it is it it kind of forces people to save which is a good thing because like honestly saving habits because not everybody has it lah like some people just don't have the habit of saving


but I feel like sometimes it's quite grey in a sense that like you know some industry they don't have to contribute to CPF, like and like maybe those like commission work basis but I think insurance


or like you know tuition those home tutor ya those baker , so maybe they don't have to contribute to CPF which, could be trouble lah, but depends on how they see it because like maybe the currently they feel that oh it's a good thing they don't have to contribute to CPF but in the end they've realise that in the end it's still their money which they could spend in the future


ya this year was also like the first year I'm paying tax, so ya I also deducted for my like studies, and honestly I feel like people won't know about it unless they really study it or like ask others for advice ask those who actually study tax for advice because like maybe for like


for me I study tax not really in-depth and not that I can remember a lot but I do study tax so I kind of know like little bits of pieces that, that I could claim then maybe I can like you know google more about it, and then see whether I'm eligible, but I've also noticed that not everybody know about it like you know especially those that don't like you know specialize in accounting or tax they will not even like know about their tax reduction or like any of the reliefs that you know everybody should know about since it's like in a way like given


!huh! is it like insurance or government plan or oh really, like everybody can do it


but I don't think this is very popular however I haven't heard of this


as in I feel like, sometime, people do that for the whole family like you know everybody have their own like basic insurance for medical and then like, wait this is on financial plan investment portfolio


but okay anyway uh ya so some people have like they plan for the entire family of their financial plannings and their insurance that they should be getting and then what kind of, and how you know people survive with or without their own parents so maybe next time when I have kids I'm I would do the same in a sense that like you know my parents actually buy insurance where


in the event where they like you know, pass away together in an accident like what kind of insurance that will cover both like me and my sibling you know for us to like still be financially independent and then like you know to not have to live on the streets so I was I I think that there's like insurance such as


this kind and maybe like in the future if I have my own kids then maybe can like you know read up more on it, but currently I only know of it but do not know in-depth, next how do you spend your money which expenditure is justified and what have you been spending too much on


I can't hear you did you say something


, I think I spent on the same stuff and a lot more clothes, oh I do have such problem normally I spend on Taobao


and, but just that I buy like a lot of a lot like more in quantities like all my sales and all my dresses which currently I cannot wear because I'm working from home


those passive income, honestly I'm just, sometime I feel like , we should be like you know more like down to earth slowly climb the corporate ladder as in I know it's not for everyone ah maybe it's like for me like I prefer those like you know stable income


as in like you know people can like upgrade themself like through like studies like go for extra certificate, to like you know move to the next level and then like get a promotion as in I feel like that is something I do


yup, prompt three slash four, describe something you watched or read that give you goosebumps


okay lah I'm not somebody who actually watch like horror show or anything and honestly anything that is like very gruesome or like anything that is horror


like on Facebook or anything I just scroll pass like I wouldn't even take the risk because maybe because I sleep alone so I don't really want to like you know go do that to myself ya I don't want to do that to myself


normally like need help like no


is that really it or is it like sometimes you know people watch like you know play too many of those violent games then sometimes they cannot differentiate between games and real life which made them like


maybe that's true


maybe there's like okay lah maybe it's not gravely wrong but I, but I always have like you know this regret that there's once lah you know I brought my grandmother to the hospital, so it was like the morning rush hour then it was just me and my grandmother and then like so she going for some health checkup


and then because she want to save money so she don't want take a cab so we took the MRT slowly from like uh #choa chu kang# all the way to outram and then like throughout the entire ride because it was the morning rush hour nobody gave, up the seat for her and then like as a granddaughter sometime I feel like at that point of time like I keep


I keep hesitating to speak up and ask somebody give up, their seat for her and then like until today I still like you know I still think about it like you know why like I don't have the courage to do that when it like it is like you know it's not that it's wrong or something but yet like I don't have the courage to


ya should have done something and then it's like you know people don't even bother doing anything and then, then like my grandma who is like seventy year old have to stand all the way for like half an hour at that point of time I'm like thinking why am I like you know not earning enough like because I'm still I was a student back then like could have like you know just like took a cab there or something it's not like


you know for her like what happen if something happen to her


I rant here and there but


I think this can be like you know calling back to something that I've watched or read, (hmm), so it's like you know sometimes they're like news articles about like those like raping cases or like


things like that ya so that is like honestly that's like really bad like I don't really understand like how could people do that, and then like, how like you know some in some countries the safety of women are like just so bad like honestly it's like it's like really a blessing to be in singapore but like in other countries such as india for instance like you know people cannot even like you know go around


like really, and I'm sure is not only in india lah even like you know sometimes in china they also like there's like articles about how, like, those young children are they like kidnap and then like you know sell their organs and things like that


so, sometimes I feel like why do people really have to this like, it's quite disturbing honestly, like as in I feel like you know human rights, it's quite important but yet like in a lot of countries there's like the kind of like


discrimination against like you know the gender inequality and then such people don't really have the rights to do what they want, and yet they are they didn't even choose to be born in this area of the world ya and then in like those china where they like you know sell kidnap kids like can you even imagine like what kind of


agony the parents are going through, you know to be like you know find their child gone and then like being treated


yup okay what is an issue that you feel upset over because you feel the world needs to do more about it okay I think it's very similar to what I just mention especially in you know those areas like india


I feel like you know when there's like an issue that's going around in the world and yet like people know about it but yet, they don't do or cannot do anything about it like world hunger is one about how like


or like about how like the raping cases in india and things like that it's more of something that everybody knows about it but yet nobody can do anything about it it makes people feel like very helpless


but also the same time as an individual I also learn what can I do about it, you know there is something that


but it's more of the spreading of awareness versus like you know really, solving like really solving the, situation is like a is like a different thing ah, like honestly creating awareness such as like you know the poverty you hunger raping cases everybody knows about it everybody's aware about it but it's more of the


not doing anything enough, ya so it's like honestly if you do donation is it even sufficient


then okay in a post in a post-COVID world what are some of the worries and anxiety that you face


do you have any anxieties or worries you face


as in maybe some of the worries and anxiety I face is like you know, closer to heart it's more of the, you know they're like a lot ignorant people like going out and then like you know not practicing those like social distancing or like they do not really care about those measures the government is putting in and how like they just


everyday also go out everyday meet different people and they don't really care the fact that the pandemic still going on ) and then it makes me quite worried like for like you know the old folks at home like what happen if


even though it's currently it's like you know post the quite like post-COVID, is it really post-COVID COVID is still around, ya so it becomes such that you know what happen if like you know my family members get the disease because of other people who is


not doing their part, ya, as in that would be a honestly a horrible way to lose one of your loved ones lah and even though the death rate in singapore is quite low but still


I think what frustrates me is the fact that, sometimes I always procrastinate like ya like, procrastinate a lot of the things I do like be it work, or studies like sometimes like you know I plan to do this do that do that but yet like when the time comes then I don't do then in the end have to rush everything like could be as easy as taking uh my HPB jab like ya I've been talking about it for a few years already and I still haven't get gotten it yet


or the fact that my driving license like it has been like a good I don't know six years I haven't even passed my driving it's quite frustrating lah like the fact that I procrastinate on so many things and sometimes the things I plan to do and then yet I don't do it


okay, describe the time when you are unable to help someone in need


and then just now like my grandma MRT case lor, not that I can help everybody


okay what is your greatest fear, recently I thought sorry, ya that is my greatest fear


because like honestly like recently my grandfather passed away suddenly like all of a sudden so that made me like you know a bit worried about losing people suddenly


but you know some people is like you know they're afraid of like not being good enough


prompt two slash four, describe a travel experience that left you in awe


I would feel like travel experience okay slightly talk a bit because like I was just watching those crash landing on you and then like there's this paragliding scene then I'm like thinking oh I thought back to like the time where I paraglide in switzerland so feels like


fun experience feel like I would do it again even though I'm quite scared of heights though, like, ya but paragliding in switzerland has been fun and also, basel in switzerland's as in the scenery is nice the weather is good just that it's a bit far the travelling is far and also like recently went to Bali oh ya cost just nice not bali where did I go though went Surabaya ya I went to Surabaya


to climb the mount bruno oh ya because I I'm looking at the wallpaper which is the mountain now so ya so I went there with my family with my boyfriend and it's been a fun experience climbing the mountain it's not easy though


but feel like I would do it again, okay lah yup , what is the greatest reward you had ever received after doing an awesome


I cannot read the last word but awesome deed awesome, awesome good deed


I feel like I didn't really have any though I barely even win lucky draw okay do you have anything to share


(hmm) faith in mankind, is renewed, okay a bit hard


do you have anything to share, , maybe all along I feel like my faith in, mankind hasn't been like utterly destroyed so there's nothing to renew on


but it's more of like you know people like, okay, okay ya so maybe I feel like okay wait nothing nevermind


adrenaline rush I, think the last time I felt that was what I could remember was like when I went for a concert my first LJJ concert, at uh is it in the indoor stadium ya


at the point of time I can feel like goosebumps all around when he started singing ya that was like a really good concert in our opinion


describe the moment where you felt the luckiest, luckiest ah maybe it's like when people think about me like you know it's like the little things that I don't say but yet people notice


like it could be like my parents or my friends or anybody, do you have any


what was the proudest moment of your life, currently I feel quite happy where I am now like in terms of my career wise like maybe to others it could be quite easy but like I feel like


getting to like the company I'm working at now is like not really like an easy thing, since the since like I don't really have like a local degree but then like I went on to another company for experience before coming over hill and then


currently it just feels nice to be here quite proud of myself as in will continue climbing but it's more of the currently this is, as good as it is


yup do you have anything to share proudest moment of your life


what amaze you


what amaze me I feel like it's like we are different from what you say maybe it's like you know, how like some dogs can do a lot of tricks ya that amaze me or like maybe like you know my career wise like I see how some things can be automated ya that amaze me


so it's like very different like I do not really have like an individual, ya I do not really have like an individual like moment where I say like !whoa! this is this amaze me but it's more of the how you know sometime I like I work like people do this IT thing and then it's like oh you can automate it like that like oh I didn't know it could be done this way


ya maybe, ya I having call, okay what makes you want to be alive


motivation maybe it's like, you have something to look forward to such as for instance currently it's like maybe my work the never ending work like that's like one of the motivation to keep me going and then like how I can like you know further my studies and then like climb higher the corporate ladder


and have a future to look towards to like to like ya to like, get a house get married have kids I feel like having a future or like a future that can be seen as as a motivator makes me want to be alive


what is a skill or an ability that you are secretly proud of having, I don't think I have any skills or ability that they are very that is like very secretive like I'm somebody who likes to show my skills


like for instance like you know recently it because of circuit breaker I started baking so like I'll bake and then like you know give, tarts, and make cakes and give like all my friends and then offer it to anybody


so another thing that I do was like uh those like calligraphy like modern calligraphy those lettering and then I used to do like painting and also like you know do it for my friends for like birthdays and things like that so I don't think it's like a not really secretive ah


I'm not really secretive about it but there's a skill or ability that I have that I'm quite proud of like I'm not just all about, you know work work work side hobby lah (hmm), do you have any skill or ability you are secretly proud of having that


is that a secret is that a secret


oh oh so it's not that it's not that your ability is secret but it's more of they are secretly proud


then I don't blush often so, my face will only get red when I get angry so I don't really blush


describe your favourite activity to unwind and relax, I feel like mine is traveling so like you know every year people save up their leave save up, money, to like travel or hoping to travel like currently like this year all my leaves is going to waste because I can't travel


but, I feel like you know having that few days off off from work off the country can just like you know relax, and then to not think about work and really like just let everything down just like everything go like spending like maybe like even one week a few days also will do lah then to come back then continue the hectic lifestyle again so I think traveling


quite important and it kind of it kinds of like act as a motivator, for me to like you know look forward to like there's like you know the next milestone for the year, kind of thing how about yours


ya I realize that some, sometimes I realize that when I go jogging and then if I have like a lot on my mind you know I can jog further, so maybe that's like you know something that


I can like unwind ya reflect and unwind during my job ya so maybe maybe like jogging also help me relaxing a bit, just that I don't really jog often lah, but ya


describe a time when you made a comeback that shut everyone up, I don't have such experience because I tend to people just tend to laugh at me so do you have


it's your best surprise ah I don't have really, like I give the surprise or people give me the surprise kind of, really, can't really think of anything on my mind, do you have any like best surprise


think despite the ongoing global uncertainty what makes you optimistic about the future, okay maybe for me still career-wise, it's like, in the accounts industry so far everybody sit like


the jobs industry for accounts is, not that bad I feel, and the fact that I have like a stable job makes it better, and the fact that you know my entire family also, still working and not going through any financial difficulties or anything


mix as in like it's not that bad lah


financial related topic


for me I choose not to have personal insurance because I think that insurance is not cheap plus you know me I don't get, sick easily or visit the hospital at, all, so you see if I don't buy insurance, I get to save the money on insurance premium and then I can use the money to go for


uh, holiday trips with my family, no I don't have an endowment plan right now because I don't have a stable income but and you know I'm like single so I don't see the need to have such a plan but I will consider having one in the future uh what about you


okay so do you mix, insurance and investment, or do you keep them apart


okay , ya for me you know I I don't have right now I don't have insurance and I don't do much investment


so I do not mix them together like I think insurance is safe and secures when a person buys an insurance they don't lost money actually but when they are doing investment there are risks involved so and then uh they expect to make a profit so for I'll keep I don't mix them together


prudential !wah! okay


for so far I find that the CPA CPF insurance coverage is good enough for me like with the dependant protection scheme DBS at least my family will have some money to get through should a misfortune like, death


terminal illness or total permanent disability happens to me like DB to DBS is, quite affordable compared to other insurance policies


he has for just a few years lah and then like , I think that well medishield life is also like a basic health insurance plans and protects us against the large hospital bills for life regardless of age or health conditions but


uh so for me I don't have any like private insurance plan so medishield life is at least it give me the it gives me the basic protection


is what uh the the higher age


is quite is good actually because is like money that is set is money that is set aside, for to pay for our healthcare costs and actually is also from our own salary, ya and then is like okay if we need to pay for some medical expenses now we can use our medisave instead of paying cash


then so


well see because I have some relatives and, friends who are in the in this line so most probably I will approach an agent, somebody I trust okay because also due to my limited time and knowledge so it would be better more convenient to have an agent to attend to my services and also like any questions so if I have any questions I can just approach the agent


I agree too, so ya what what do you actually look out for when buying an insurance policy, maybe can like give me some tips


ya that is very good for us because for me like I will just like find I will just like find out the quality of the customer service first, usually usually we can like we we will see a lot of complaints online for certain insurance companies will be like lots of complaints ya so usually I will do that and then also I will like uh on my own I will research about the policies


to see whether they really suit me because you know some agents they just want to push all the products to you so that they can earn uh commission from you, I I I know of some some agents who actually who actually did that lah


ya we are not young but we are about the same age right so I hope, , okay ya, I'll if for me I'll I want I would like to get health insurance and life insurance like health insurance helps pays for the healthcare healthcare cost if let's say I get injured sick or disabled so at least there is some


form of protection for my health then for life insurance, , my family and ourselves that you will be protected in case you were to meet with any misfortune, so these are the uh, health insurance and life insurance is like what I'm considering


ya the lucky thing for me is right I have never met with like really big accidents before and not even small ones actually


like if I have just one agent, after after carefully pick the agent so is that if there's any problems or if I need to make a claims I can just look for the same agent again


then what about you ya, what about you do you like buy from a single insurance


I wish to , , eh what what about you what about you


then do you get insurance when you are travelling overseas


the first thing I will look for is I'll find a trusted and reliable insurance insurance agent if there is a need so preferably is somebody I know, ya so I'll I'll start from my usually my relative or my friends so other than that I will look up for their years of experience in this line their quality of customer service


work personality and honesty in them because when getting insurance policies I will ask for plans that suit me and not because like not because, the agents wants to earn a commission from me so then he will be like trying to push a product to me which actually don't suit me at all


negative experiences


I felt helpless , about, I had to watch some of my loved ones falling sick, and passed away, the doctors at the hospital were unable to do anything for them, so back then when I heard that, the doctors could not do anything anymore I felt the world was crashing down on us


what are some of the hurtful words someone said to you that you wish to forget


so sometimes people tend to say hurtful words when they are angry , but, that is no excuse or reason for the verbal, abuse so whether they meant it or not the hurtful words can cause a negative effect on the victim for a long time


so for me there is a person who used to be a family member he told me to go and die, and he said that it is better that, I am not living in this world, so I don't think I will ever forget about those words


okay so a few years ago I was at the hospital to visit a relative who was sick


the doctor actually inform us the patient, had less, then six months to live, okay so it was he had about six months but within the next few weeks my relative's health condition worsen, and


there's nothing more the doctors could do so the only thing we can do is was to watch my, relative suffer in pain, getting weaker day by day so ya the saddest scene was to watch my relative leaving us for another world


okay I often have this feeling that I'm not good enough, I could have done, better put in more efforts or work harder, sometimes I give my best


as expected, so back in the school days, I was, studying very hard for the exams so even though my results were alright I just felt that they were not good enough, maybe because my expectations for myself were too high


then is there, any, time when you feel that nobody cares about you


yes I do like sometimes when my family or friends they are too busy with their own life because most of them are married and then they have kids to take care of so I would like, felt I will feel left left out for awhile, and then I will start to think maybe they don't care about me anymore but luckily the feeling is temporary so it don't affect me much


the type of person that thinks a lot I don't know why I just like to think a lot and sometimes, I lose sleep over thinking about things, like , things that I worry about will be like I worry about my mother my own health


money work, and relationships with people, okay ya that's true okay


so uh what was the saddest moment of your life


if for me it would be okay I dated a, man, I dated a man for a few years, and then, eventually he married another woman, ya, so the day he got married I felt like it was the end of the world


ya so okay let's not talk about, them , okay uh is there, like one thing you wish you could change but will never be able to


well there's only one thing I wish I could change but I know it will never be able to that is I wish my grandmother could come back to life, ya, so I regretted I regret like, not having spent more time with her when she's alive not showing her


with more care, uh more care concern okay ya okay I lost


some of my loved ones, and old age, so I was feeling extremely sad, helpless and, time basically just came to a stop when they pass away the moment they pass away it's like the world is not moving everything just stop


and, things are no longer the same anymore because, they are not here anymore, and some people say the the feelings of sadness will go away as time passes but it has been many years, and actually there's


I often felt feel the pain in my heart


you see I have so much stress that, I have white hairs now okay, oh okay maybe is a bit lah okay ya, like, housing problems money job and then with the COVID nineteen situation now I am


like jobless, temporary so all these things like, just add up to my stress, and also there are some things that happen at home it also give me a huge amount of stress, so <B>


what is the most traumatic incident you have ever experience


okay when I was a kid, a family member actually punish me by making me kneel down at the open space, car park so there were a few cars, there were few a few cars there and he was just waiting for one of the cars to knock into me


ya so, ya that I I I will always remember this incident


okay I think the biggest thing holding me back from my goal is my age, lack of confidence and also lack of determination, I always feel that I am, too old to pursue my goals in life


and like, I may not be good enough and I may not achieve my goals as it is a tough and long journey


so describe a time when things don't really turn out meeting your expectations


okay so for me is I was organising a party and I actually I spent a few weeks to plan it and I was very looking forward to it okay but on the actual date actual day things don't turn up meeting my expectation okay the first the food was not as delicious


as I had expected, and then some guests could not make it at the last minute so what is most disappointing is the food actually because there were many great reviews ya I I did some research and then there were great reviews but I late later on then I found out that the reviews were fake


positive experiences


ya I agree that I agree with that and for me that was the moment when things turn out better for me than expected so I remember a few years ago I actually won the lucky draw and the prize was a two day one night staycation at a local five star hotel


I was actually very excited because it was my first time going for a staycation in singapore uh on the day of check in I was given a free room upgrade and also , an extra night for free so instead of a two day one night my staycation became three day two night well I think the hotel was actually having some promotions


so ya it it was like quite a surprise that things turn out better than expected, ya, luck lucky me , so


why don't you tell me something nice, , okay well okay lah of for me


(ppc)


and for me the nicest thing someone has ever told me was actually during uh my work so due to the nature of my job I get to meet nice people, and, mean people so the nicest thing that happened was that, some, somebody offered me food and beverages so I was at work and I had to stand for a few hours the some passerby walk pass and then they talk to me asked me how was my day


and, asked me if I had lunch and then they actually offered to buy me lunch and drinks so I think that we may be like of different races and spoke different languages but I was quite touched by their kindness, ya yes


then what what was the happiest moment in your life, ya !wah! I all all mum sure think that


okay but there are quite a few special memories in my life, and since then my life has changed aunthood actually taught me many new things and I learn new skills as well so ya my nephew brought uh brings so much joy and happiness into my life


yes yes, yes but not often like


oh well my most memorable travel experiences was during a holiday trip with my whole family to hong kong, so ya, we actually been we shortlisted a few destination and chose hong kong because of disneyland because my two year old nephew was with us so we choose uh hong kong then it was also a very memorable for us because it was the first time we were taking an airplane with a toddler


ya we went to many places ate many delicious food experience the hong kong culture and the very cooling weather there, and then also like uh not forgetting right we saw iron man iron man and then and he spoke cantonese


he spoke in cantonese ya that is like ya very very fun so we we actually we had a great time there then what uh what about you, !wow! okay oh ya sometimes


I do receive compliments from people I know or strangers !wah! there was one time my senior at my workplace he told me, he told me #qiu ying# ah you are not the you are not very pretty at first sight, but


you are sweet and charming, so I don't know if that was supposed to be a compliment but I like to think of it as a unique compliment, ya that's quite nice of him so then what about you whats uh best or most unique compliment you receive


well I am thankful for many things in my life I have good health, good relationship with my family and friends, a good and safe country to call home and I also have very supportive family and friends whom I can trust and depend on for help


and most importantly I am, most thankful to my mother for giving birth to me


what do you used to hate as a kid but love now as an adult, very curious to know


okay uh okay for me I for me lah as a kid I used to hate eating some fruit and vegetables I remember like there was a weird taste or texture and they were just awful, but, is kind of weird because as I grown up I love those food that I used to hate actually I love them now ya so I eat them quite often in my meals now


and then uh what was your best birthday present


a healthy baby a happy mom , ya okay for me the best birthday present was actually a mini air fryer because before I got this I got this mini air fryer I was using an extra large


air fryer that actually it it took up quite a lot of space in the kitchen and one day when I was baking some chinese new year goodies in the air fryer there was a loud pop sound, , and then the electricity just went off so I was quite sad because the the extra large air fryer was quite new and I only use it for a few years


but, for later for my birthday that year I receive a mini air fryer, is was it was is very cute okay and then uh is the best birthday present for me because I love to cook and bake food for my family so and then this mini air fryer air fryer actually allows me to cook bake grill and fry food conveniently


ya ya I I can wait uh I think okay christmas is coming you want christmas cookies, okay ya I I will deliver to you


okay my biggest blessing in disguise was okay there was, once I, went for a job interview then I saw there were many pretty smart and young ladies, there, then I know that I'm not the best among them so I thought I will not get the job but in the end


I somehow I still got the job because well I think I was quite lucky


what is a comfort food that you can rely on to cheer you up, chocolate ya you love chocolate


ya other than chocolate I I think eating banana can make one feel happy also, oh okay ah okay you can try , okay then for me is like okay I love I love sweet food and desserts a lot so a comfort food that I can always rely on to cheer me up would be the most trendy drink now


bubble tea, ya okay I know it's not it's not a very healthy drink because you know of the, , with their because of the high sugar contents but well you know bubble tea actually makes me happy


ya just like how chocolates makes you happy, ya maybe, maybe because I I I really like uh sweet food


ya, !huh! I sugar what do do I have I put on weight


I love myself for being true to myself, usually I speak what I think and even in bad times I still try to think of positive and good things


I look up to my late grandmother the most because she's a very positive strong hardworking and, also, kind hearted woman so for all this I also respect her a lot


so is there any time like you get you got appreciated for your hard work


okay then for me is like ya so there was once my manager he saw how hardworking I was uh so he came over to praise me for that , and also I got a bonus reward for hitting the sales target it was my it was my first time uh receiving a monthly bonus is a cash reward so I use the money to treat myself to a good meal


ya okay my, my buffet there is quite simple actually is very simple so I'd like to start the day with a good brunch consisting of some of my favourite food and then followed by a relaxing day


hanging out with my loved ones (ppb) we can be doing any kind of activities like watching a movie shopping at the malls having picnics at a park or beach or just hang out at the swimming pool


clap is it, we have to read financial related topic


I shall start first ah okay uh I have bought premier lady from manulife because it also covers female benefits such as pregnancy complication


so what about you do you have any personal insurance


so do you have any endowment plan would also


okay I bought one a few years back ago that was using uh CPF so I think that was the only time when we can use CPF to buy an, endowment I bought a single premium endowment at sixty uh with my CPF under manulife as well so this one also covers terminal illness and total and permanent disability


so I think that's the only time when we can buy endowment with CPF because after that when I talk to my friends about uh buying endowment with CPF they said , endowment, plan you know that's a saving plan how can you buy with CPF I said ya, then, I went back to check yes is really from CPF I'm using


CPF to buy when I show them they were like is it possible so I think that was the only time, ya that's the only endowment that I have also, so if let's say you don't have, insurance maybe you can consider term also because I I've read that term insurance they are


a lot more cheaper, so maybe can consider that, cause then of, course whole life insurance is will be better because it does has cash value so when you do surrender your policy you have a cash value to comes back and that money can use for your kids or you know for yourself maybe in the future when you want to


retired when you want to buy, house or whatever or you don't need the insurance anymore so I also have a whole life insurance that I'm keeping so if anything happened to me of course there will be, a payout, and if I don't need it when I'm old I can just cash out and use the money and do you know go for holiday or


just for my retirement or whatever ya but if I have budget constraint I will probably just go for term insurance which is much more cheaper but of course there is no cash value at the end of it


well for me I will buy no I I I think that insurance and investment can go together it will, probably be helpful because it for when you do have investment you will probably uh get more returns


I think it's true that there is risk I have been hesitating to invest again because I okay initially I did invest, and uh, that was true prudential so, over three years I did make a bit of a quite a bit of profit uh about thirteen thousand so I think that was pretty good so I have cash out on that and then recently because of the market right is like fluctuating up and down and down there then after me that


when there's fluctuation there is opportunity okay when the when the market goes down you buy low, then when it goes up you sell I was thinking eh that's true you know you buy low and you sell high that is very true so I I think if you want to invest your money first of all you must really


find a company whereby they will get someone to manage your funds if there is nobody who is managing your funds then don't even consider it if they had there's people who will manage your funds for you then I think yes go for it because I also uh I'm looking at it I will be also investing recently lah I have a


I have ask, somebody to uh draw a plan for me and because the company it has people who is willing to really manage my funds for me so if anything wrong they will switch funds automatically and stuff so I don't have much to worry about so ya, I think


I think investment is something that we have to go for especially now the market is really fluctuate up and down up and down you see right so I think it's a good opportunity, okay, so if you don't have insurance right you will also have CPF insurance coverage so


what uh what do you feel about the, the CPF you know those schemes that we have there


I I feel the same as well I think is is not a lot but at least it's some money that is there, that, the family members can really uh use for the short term lah


correct correct I think I think there is something that you should look into because if you don't have uh insurance and, at the moment these are the things that we really should have, ourself covered with ya, so do you


are you ever, have are you even of that age yet , okay ya, ya ya but yes I think eldershield is really really uh something that we really have to look into lah because when we age ah we tends to


be at higher risk so we might be if if we have a fall and we can't move anymore we'll be disabled and we'll !wow! that will be really terrible so the monthly payout will be at least it can help with the, uh , whatever expenses that we need during that time when we are going for physiotherapy and


stuff ya so I think is really good as well, , so about medisave as what what your point of view about medisave I think you think is good to have medisave