owes you a living so I've gotten into really bad experiences where you know I've walked out of situations when I realised that you know people are not giving me the due respect that I deserve, and I don't think I need to put myself to such a thing and this has you know happened to me with my own friends because some people think they are so entitled and privileged maybe because of the background that they come from


but you know mannerisms is something you owe to the other party it's not something you choose who to give and other things I, would just , talk about how some people you know laugh at they think that making racist jokes is funny or like people who talk ill about disabled people and find it a joke like it's not funny to me at least and I think I've made my you know sentiments really clear in conversations that my friends are actually


you know very careful when they see certain things around me cause they know I feel, very strongly about it and I think everyone should feel strongly about it because we're living in the twenty first century and you have to be sensitive to other people's you know emotions like yes it's a free world everyone is entitled to have opinions but you know you have this you know it's us it's a responsibility you have it's not going to be like written out expressly it's something you have to uphold


and you have to be kind to others even if you want like talk about them not in front of them maybe like you know closed doors you want to do it just for your own satisfaction if you are that sadistic, but ya you know this it really gets me so angry but anything that make like disgusts you


(mmhmm), (hmm) (mmhmm)


K, part two positive experience


ya I remember this travel experience of mine that really really so memorable to me this was in twenty fifteen when I went to london and it was actually a surprise trip uh my family surprised me and I only found out about it at the airport


and it was a really surreal experience because I've been wanting to go to the europe or UK for like the longest time and then when they finally, surprised me after my A levels I was so happy so it was really a different experience I would say because when I first went to


when I first, touchdown in the airport like even the people there the supermarkets and everything were like so different and the way they speak is so different like the their mannerisms are really different from ours they're very much like very chilled but then if you like walk around in singapore everyone is always like kind of angry


kind of frustrated with one another but the people, there are so nice I would honestly think it might be because of the weather like it was honestly so cooling and everything nobody can get angry in that kind of a weather honestly, and then you know some,


ya , , uh ya one experience I really remember when I went to london was uh my trip to , oxford street which was such


such an amazing experience we went during christmas time and it was like christmas lights christmas trees there were like songs playing in the background, and you know the the streets were so busy and bustling that I didn't even know it was like nighttime I only knew it was nighttime when the shop was going to close you know I was like so into like shopping and everything and the malls are huge the sales were crazy


and I basically just love being in the cold to be honest I love dressing up I love wearing coats like it was like a dream come true, for me (mmhmm) (uh huh)


, (mmhmm) (mmhmm) ya I think one thing I really learnt


is that you mentioned that you know how they are so thankful and everything and I also think that you know place like, india where safety is always compromised for girls, I think we really take it for granted that we live in singapore because you know I can go out come back home late at night at three AM and I don't have to worry about someone kidnapping me but it's not the same there so I think you know travel experiences really open up our eyes to a lot of things and make you learn a lot of things and reflect on yourself to be honest


favourite activity I would just talk about how I love to watch netflix shows


especially friends the all time favourite sitcom that I've been watching for years now and I never get tired of and probably all my friends I bored my friends to death talking about it because no one, else wants to join in the fun, do you watch friends as well


(mmhmm) (mmhmm)


(mmhmm)


(mmhmm), (mmhmm),


, what is it about though,


, ya I've also gotten to a lot of like you know heated arguments when people try to compare friends with some other show the very popular ones


like office I mean I think like you can't compare or like how to get uh what is it how did how I met your mother it's like you can't compare to shows that center around comedy I feel, like one is very lighthearted one is like


you know a bit more like in a different vein so I feel you know you should just not compare these two let's just learn to accept that everyone has different preferences and likings and if you don't like friends just don't talk bad about it,


okay so creepy , ya, oh this is a very deep question I feel like the number one thing for me is I feel like if I'm alive I should have a purpose for living and I definitely want to do something


before I leave the world so that people can remember me for doing something good I mean it as cliche as it sounds everyone wants to be a good person everyone wants to do something but I feel like, you know there's no point really living just for the sake of it but I don't want to go through life just you know oh I went through like primary school secondary school JC uni and stuff that I want to actually do something with my education which I feel like


you know people in, developing countries don't have the opportunities like us so I really want to do something with my education that's really one of the reasons why I want to be alive and educate myself and help other people what about you


, (mmhmm),


(mmhmm) , , (mmhmm) ya ya totally


ya (mmhmm)


, (mmhmm)


ya


that's really nice, I hope we each get out and successfully do what we want to do by being alive and helping others


when I hear of adrenaline rush I only think of one thing that's roller coasters, and it's quite sad for me I would say because, no one in my family can take roller coasters with me so you can just imagine I scream with like strangers on the roller coasters and I'll be smiling at them and they'll smile back at me and that's the only kind of happiness I get uh but ya adrenaline rush really I love roller coasters I love


anything that has got to do with like doing adventurous things not only roller coasters anything that like you know cliff jumping or like, jumping up from the helicopter these are all things that I really intend to do in my life and I wish I can do it you know obviously with my health being in check because I do have


some , asthma childhood asthma but I hope it doesn't like kick up when I you know engage in all these activities where I really hope to experience it, how about you though,


(mmhmm)


with all the background music and everything, jump scares ya


you know during a horror film I've ever like told my friend let's just close our ears and watch the scenes and it's uh not scary it's only cause of the sound system without the sound nothing scary to be honest ,


ya (mmhmm),


(mmhmm) (mmhmm), oh ya I've watched a ton from like different languages but I think, , you know some people might have different opinion from me but I really like the annabelle series like


like dolls really creep me out like when people say annabelle is not scary I'm like try putting the doll at beside you on your bed and off all the lights tell me she doesn't freak you out like I'm afraid of dolls so I think any horror film that has a doll inside creepy looking doll like


I'm just, that's enough like that doll alone is enough to scare me but ya they created a lot of like prequel and sequels and now it's just like for the sake of making the film but when they first came up with annabelle I think it was really, successful and then after that the hype just died down


but horror films nowadays they kind of just replicate one another and they're just like, copying one another it's not really original anymore and so that is not like as thrilling I feel as last time


yes, part one finance


yes I've a savings account with uh POSB bank for the longest time of my life, I think POSB bank is a very people's friendly type of bank


and I I do remember during my primary school days POSB bank actually came down to my school and they will actually encouraging us students along with our parents to actually start our saving accounts with them, so my relationship with POSB bank has started ever since then when I was in primary school ya


right so uh do you have any credit or debit card from POSB bank or from any other bank


uh that's a good question I know that debit cards have become a lot more popular today and especially with the added feature of having the paywave function so nowadays everyone is just using their debit cards you know wherever they go and they just tap and then they can easily do their transactions so I actually have a debit card


and as for credit card one of my favourite credit cards to hold is the UOB one is the credit card by UOB because I feel that , they have a lot of like a lot of like retailers actually reward you for holding a UOB credit card and so you get added discounts and stuff like that when you use a UOB credit card so that is one of my favourite credit cards to hold what about you


yes I agree what about have you taken any loans with any of the banks like for your education purposes or anything like that do you think there's any particular bank that you can resonate with in terms of their like uh interest rates in terms of how attractive their interest rates are like


ya that's very attractive for students actually ya


a'ah that's nice to hear yes I've had friends who have taken education loans themselves and uh for some reason a lot of them like taking up education loans with uh OCBC for some reason, I'm thinking it's because they are more understanding as a bank from what I've heard like I didn't use an education loan


for my education but I've had friends who have taken up bank loans education loans from OCBC and uh they said that the bank is actually very understanding that as a student you know they have all this anxiety as to how they going to fund for their education , so they are very willing to walk you through like


how is this loan even going to work out and like after you graduate how is the uh repayment going to begin and like for every month how much you'll be expected to pay because they also understand that as a fresh grad sometimes you even have problems, trying to secure eh a job so they give you that that time enough time to find your first job before you can actually start repaying the loan that you take


so that is what I've heard about OCBC like good stuff from my friends , ya and, do you think couples should actually have a joint account this is actually a controversial topic actually ya do you


ya I ya I agree joint account personally I I mean I I think it's really good for couples to have a joint account but I think that on the side you should have your own personal account as well because


we all hope that marriages work but sometimes along the way if something doesn't end well then at least you know you wouldn't have the problem about settling your finances with one another kind of a thing sometimes it when you have a joint account things could get pretty messy


ya and I've had friends who've had joint accounts with their fiances and stuff like that at first and then when they decide to like maybe not , like when that relationship does not culminate into marriage it gets really messy because it's a joint account you see


so maybe the way I see it how a joint account could work is like could have sort of an agreement with your partner as to how much you want to actually , contribute to the joint account every other month so that that's a fixed amount but you have a personal account of your own so that is for you to handle and manage your finance so ya


ya so that's my take on joint accounts actually, what about uh the the uh when when did you actually receive your first ATM card just curious to know, a'ah twelve years old


a'ah that's a good attribute I remember having a bank account at a very young age as well but my first ATM card I think I only uh managed to get my first ATM card when I was in secondary school because I think that's when , my parents actually felt that it was safe enough for me to hold my ATM card but prior to


before I entered secondary school I remember that it was only cash I used to just hold cash that my parents used to give me or it's the money that I save in my own piggy bank ATM card they only felt safe to give it to me when I started secondary school so ya maybe it's just uh it's just my own personal experience ya


ya ya correct, ya because when you when you when you start to have your own bank account you would already have an ATM card but I think they withhold it from me and they only gave it to me when I entered secondary school


ya , so have you uh, purchased any insurance or have you started working


(uh huh) , yes


ya , ya so as for insurance as well ya I I've not started working yet but I'm interested to get my own like insurance uh when I do start working but as of now as you mentioned like I have very little knowledge about how insurance work


but for my friends who have already started working they have told me that insurance is important especially when you start working like the moment you secure your first job is always good to venture into the different insurance like policies out there because it's always good to start young and it also


that is what I know from them but by and large I don't have a lot of knowledge on insurance and as much as when people stop me in MRT stations and stuff like that right I do I really do want to listen to what they have to say, but the thing is that I cannot like the only thing I can do is just listen for now because there's nothing that I can sign up because I've I've not started working myself


so when I when I just listen to them to what their insurance policies like what they entail and, what they have to offer and all that and then towards the end when I end up saying that oh I need to think about it I haven't started working yet I'm still studying I cannot sign up for anything now then of course there's they they do get upset because they could have invested that amount of time in someone else instead you know uh what I mean so ya


so uh (oo), what uh so investment any investment have you ever purchased any investment products or anything like that no right I'm thinking no ,


right in terms of uh cashback points or like miles right which type of credit cards you think, uh you would actually ask someone to use or suggest to someone who's actually looking to you know apply for a credit card or get a credit card for themselves


(mmhmm), (mmhmm)


ya ya I I'm a, big fan of the PAssion card as well because uh a PAssion card really helps when it comes to supermarket shopping because you could just


uh chalk up on like uh like points and then you can offset certain amount to your to the amount you have incurred after you have done all your shopping so ya I'm a big fan of of PAssion card as well in fact , I didn't use to hold a PAssion card until recently because I realised that it started to get really annoying when people asked me uh do I have a PAssion card and then I keep saying no and so I was like what is what is the big deal with the PAssion card and that's when I realised that


a lot of people were using PAssion card especially when they go supermarket shopping and so when I finally got my own PAssion card, I managed to like chalk up on the points and I did get a sizable offset from the amount that I'd incurred from my from all the grocery shopping


so ya PAssion card is definitely something that people should have, and in terms of like uh credit cards I think you will be especially oh ya the I'm a big fan of the UOB lady's card ya because they have like great deals for women


ya they have got great deals for women like you can use it at certain retailers that cater to women and get like discounts and stuff ya and and also because I okay this is very superficial but, uh the design of the card is also really pretty ya so that is another reason why I like ya I I think OCBC frank has beautiful looking cards as well


I I, ya but I don't have uh an OCBC frank card though I would like to but you know the the reason why anyone should be holding any card should not be because of the design per se but ya so that is my experience


oh fixed deposits is a great way I feel, especially for parents to, have a fixed deposit for their children uh when they are very young because uh it's it's like an investment the way I see it's it's like an investment you lock in that amount of money


and then when you finally decide to take that money out for whatever purposes it could be for themselves it could be for their children's education or for their, children's tertiary education or for their marriage or whatever that money would really be handy and I've had friends whose parents have had fixed deposits as well


and because they started a fixed deposit like when they were younger and when they were when their kids were still really young that's the reason why they get to take that money out when their children finally decide to go to like say uni or do post grad education and so that money is that it so


I I feel that it's a it gives a lot of security for the parents especially if they are looking to educate their their you know their child till tertiary or beyond that but that is one way people use fixed deposit but I'm sure people use fixed deposit for many different ways you know


right so if you receive like uh just just curious if you receive like a big windfall what would you do with this windfall like a big lottery or something


right ya if I receive a big windfall as well the first thing I would want to do is , uh save it first after keeping a sizable amount aside for traveling purposes, and I think now with the the current pandemic people are just just waiting when they can start travelling again so the thirst for traveling is there definitely but I'll definitely put a sizable amount aside just to save yup


so if there is one, thing that a financial advice that you would actually have given to yourself five years ago what would that be


ya I mean you've had a uh a very good attribute uh from a very young age where you started saving I'm more of a frivolous person , I tend to spend a lot of stuff I mean spend a lot of money on stuff that I do not exactly need because I I act on impulse so that's a very bad attribute that I had when I was younger but as I grew older I realised that


I need to be more prudent when it comes to using my money and yes I would I I've definitely started saving a lot more than what how I used to be in the past so if there's one financial advice that I would've that I would have given myself like five years ago I would definitely wanted to start saving like


much much earlier , and like definitely uh be more discerning in the kind of things that I buy and to actually buy the things that I really need as opposed to what I want, and uh definitely cut down on all a lot of the frivolous spending on material goods because even even a material good has an expiry date right so ya and with trends constantly evolving there's there's only so long that you can wear a certain


like designer shoe or hold a designer bag so ya definitely I would have, wanted to started saving a lot earlier and I would have wanted to be a lot more prudent in the way I spend my money yup so


anything else, I definitely think that for me


even though I think that I can do it on my own I would definitely like to have someone else guide me along the way, ya so I would like to have someone actually advise me on how I should manage my finances, okay


part three negative experience, ya so in a post COVID world right what are some of the worries and anxieties that you face


like for me right in a post COVID world like I think so many people have like lost their job during this pandemic and with all the lockdown situation or quarantine however you name it, and I think in singapore we had the phase one phase two thingy that went on


I think a lot more people went into like self isolation and , introverts especially they will have a lot like a lot harder uh time now to go out there and to you know basically speak to people and because like especially people with anxiety issues as well when they have problems


like communicating with people like they do not have as much confidence and now with , during the COVID time we were all like confined to our own home so we didn't really get to interact with people except for our near and dear ones so because of that I think one of the greatest anxieties especially for I mean I don't mean to over generalise not all introverts


have the anxiety to actually put themselves out there again in the crowd or to actually start interacting with people on a daily basis once again but, I do think that there's an issue that we're going to have with people trying to come out of their shells once once again and trying to put themselves out there and trying to actually interact with people in a confident manner I think that is one of the anxieties and worries I would see that fresh grads


they are really having a tough time now because this year it was definitely not a good year for them to graduate , and I know one of my friends who graduated this year and he did till he did tell me that he's been finding it really hard trying to find a proper job for himself


especially with the pandemic and with a lot of companies actually retrenching people, and a lot of people having lost their jobs already it's even more difficult now for someone who's totally new to the workforce to actually now try you know to try and find a job like it's much easier to find like uh ad hoc


basis type of job or part time job but, you know when you're a fresh grad like your priority is usually to get like to secure that first good job that you want to actually get yourself into and so he did tell me that that is already out of the window because there's he has sent out so many resumes


there's no reply and the companies that do call him back they do tell him that uh they cannot offer him like a permanent position and, ya so I I think that when when this I I don't really think this pandemic is going to go away that soon especially now we are still in the search of uh vaccine so I have heard rumours that it's going to actually spill over to the next year as well so if that is going to happen


I can only wonder what is going to happen to the job market how are the people who lost their jobs how are they going to get new ones, and with the employers trying to cut back on the number of people they employ because the existing ones thems the existing employees themselves they are ready to let go because they're having a tough time trying to pay them


like recently I found out that even, SIA actually retrenched a lot of people and pilots were also part of were were were part of that you know that that that uh sizeable number of people whom they retrenched so it's it's very worrying because uh people's livelihoods are at stake here


so what do you think about this whole issue


ya I can totally understand, let's just hope for the best then because uh now that we have pretty much I mean humans are very adaptable creatures so we we have pretty much gotten used to this new normal is what they say right so I think the only way forward now is how we can work around this current situation


now with social distancing measures all being in placed in like pretty much like the moment we step out of our house, all these social distancing measures are everywhere you can see them everywhere be it in the mall be it in a public transport be it like in a restaurant everywhere so I think we have to just get used


to the fact that we are going to have to live with all these social distancing measures uh for the time being until like maybe a vaccine is uh discovered and even when that happens , I think all these measures are still going to be in place and we will still have to continue wearing our masks even though yes it's very very cumbersome and especially in a country like singapore where it's it's it's a tropical country it gets really hot


and with the humidity levels that are you know in recent times it's off the charts it can get really stuffy when you're wearing the mask but I think the fact that we are finally able to go out now and , do the things that we like you know eat shop if with all the social uh distancing measures in place of course I think


people are currently not complaining because compared to how we used to live, three four months back when we were in complete lockdown situation I think this is still so so much better


ya so uh is there a scene in uh any movie that you watched which made you too angry to watch anything,


challenged ,


ya I can totally understand ya that is disturbing to listen as well ya I I had I I did watch something not as bad as that but it was uh enough to make me really angry and to even want to leave the theater it was


experience I had when I went to watch uh a film with my friend which was which is it was a an indian film as well it was actually a tamil film and the thing is , that film was supposed to be a romantic film at least the genre was romance but it was nothing like that it was uh more of like


a film uh that perpetuated this idea of how uh men are always going to have an upper hand over women even if they are equally or if not even more highly educated than them, so uh the story just revolves around these two this this couple basically where the uh the uh the the the couple basically the the guy he's he's a pilot if I'm not wrong ya


he would fly planes and stuff like that I cannot really remember what's his occupation but ya he was some sort of a pilot, and then the girl who was the hero in in that film she is a doctor so eh eh eh the film is just basically about their very troubled relationship and how you know in the end she makes a compromise with him even though she decides to walk out of the relationship


for the right reasons of course but it was such a huge let down when I found out that, she decided to compromise and live with him once again for the sake of her child, and the reason why it was really angry for me to watch because during like they would show all those different scenes you know when they are dating one another and when they are finally in a serious relationship and all that and he is the type of guy who is like a male chauvinist


and he will never like he pounces on every opportunity that he can get, to make her feel small and to always make it known to her that she's a female and that she's supposed to be subservient to him she's supposed to be submissive to him and that she shouldn't have


an opinion for everything like he can have an opinion on everything you know but not her by virtue of the fact that she's a female so that was, very very disturbing to watch and I was very very upset with the director who decided to film you know who to to to take such a film in the first place because uh this is exactly why I mean


india is still grappling with patriarchy issues with people who have patriarchal mindsets with men especially who still think that they are kings and you know uh india is still having that patriarchy problem going on there and then you have such a film with with a character that


is basically trying to exert his power over the women by virtue of the fact that he's a male because it's coming from a patriarchal society where he should be revered because, he's a male so if you are going to take such films it's only going to reinforce such ideals in society you know in the indian society and it's just going to normalise everything because people there are there are so many feminists out there in india who are trying to


smash this patriarchy and and they're trying to get rid of it they're trying to change this whole narrative about, how men are more superior than woman and then you have films like this coming and reinforcing these ideas and saying that oh no it not it's okay it's okay to normalise patriarchy it's okay to normalise male chauvinism it's okay like a woman in the end she's the one who's expected to make the compromise I feel that that is uh very disturbing


and as a director I feel like any film director for that matter I feel that if you are into the business of making films you have a responsibility to society you have a responsibility to the audience who come to watch your films, you have a responsibility to convey the right kind of message and so if you don't realise this power that you have and you decide to just take a film out of your whim and fancy or you just or because you believe in this message yourself then


we're going to have a problem especially in a country like india where people idolise these stars they are crazy about films they elevate theirs you know their favourite actors and actresses to the you know to to to the level of of of like being a demi god and stuff like that you know and and if they see their favourite


uh people playing out such characters on screen they will be like thinking oh you know what it's okay then you know kind of a thing it's okay we can be like that it's all right because the women are the ones who are expected to sacrifice in the end uh she's the one who's expected to compromise in the end so no amount of education you know


can actually change that sort of like existing status quo in india is what I felt the film director was trying to convey through his film so I feel that that film should not have even been made in fact I was so I I was very very upset by the time the film came to an end


I was already having a I think high blood pressure, because it it infuriated me ons it is so many occasions and this type of films I feel should not, have the support of the audiences so that the film directors can actually know that this is not what we want to see and this the very it is a very wrong kind of message that they are trying to convey through their films ya


what disgusts you


ya same I totally agree with the points that you just raised like for me I think what disgusts me the most is like lack of compassion especially this happened to me when I was in secondary school and


I remember that time I used to see a lot of elderly people trying to sell tissues like they still do at MRT stations and all that I think it has reduced a lot now because of the pandemic, because I don't think they're allowed to do that anymore I guess or the authorities have uh told them not to so I remember that I used to donate I I just used to give like two dollars lah one dollars whatever that I have I just used to give and not take the tissues and I remember that


uh there was there was a classmate of mine who did made like a very snide remark like how do you even know whether she really needs the money you know kind of a thing like you don't give you don't you don't like you don't have much yourself why why would you then give the only like dollar or two dollars that you have like I mean you don't keep giving others until you don't have


money of your own you know kind of a thing and that actually really upset me to the point that I was disgusted because I was like I'm not going to I'm not going to like analyse or over analyse whether the person is in need or not but I think a little compassion can go a long way


so I I just felt (uh) feel that people tend to over analyse a tad too much


part two positive experience, oh ya so uh is uh would you like to describe a travel experience that left you in awe


ya understand it's very difficult to get angry when you know you are in a cold country I think singapore mostly because the weather and the humidity can sometime get get to us I totally understand that


, right for me if I were to talk about a travel experience right experience that left me in awe I I would definitely say that it was one recent trip that I made to chennai it was to actually uh attend a friend's wedding


and that was my first time going to the southern part of india and , it was a travel experience like no other because I totally did not expect a lot of things, things that actually I've I've never been used to because coming from a country like singapore that is uh uh that is super developed and modernised when I went to chennai I I got a culture shock because


let's face it india is a developing country and certain parts of uh chennai are really developed and modernised but there were certain parts that were really like impoverished there were no roads it was all sand and but in spite of


all that right and there was a lot of dust as well a lot of dust pollution the traffics were crazy and there were a lot of instances where I wanted to puke because I was travelling in a car at that time because to go to one place to another


uh we had to travel there's no way you can walk because it's too hot, and the public transport is crazy you cannot take their public transport either so the the way to go around especially for foreigners who actually go to chennai, for let's say a holiday or stuff like that it's by car or a chartered uh taxi or something like that so I remember the roads were very bumpy and no one followed traffic regulations


so that was actually the worst part it was exciting but it was uh it was very bad for me because I, uh I I wanted to puke lah on many in uh on many occasions because it was a it was a very uncomfortable ride but at the same time the uh the driver himself was very reckless and there were times where I did tell him that


do you need to be so reckless on the road and he said that that's the only way, if you want to get from point a to point b if not we can only get to the destination like in in in the next two or three hours if you want to get there by one and a half hours you got to be reckless so, that is how life is over there but why I why I would say that my experience going to chennai left me in awe is because like despite people's impoverished conditions and despite people's poverty stricken conditions right there were still a lot of contentment


like the locals whom I met and spoke to you know they might not be the richest people in the world I mean there was uh there were a lot of vagrants that I saw there were a lot of people living on the streets and all that but in spite of that they were very kind, they seemed really happy yes they're not happy about their financial situation but there were so there were so many things that I learned from them like they


they learn to just be happy with what they have and yes there are certain aspects of their life that they would like to improve but, you know it just got me thinking that despite coming from such a modernised country you know with everything like pretty much taken care of like our our roads are super clean our streets are super clean we don't see people living on the streets we don't have vagrants and stuff like that so


people in singapore are pretty much I would say living a very priveged privileged life compared to people from other parts of the world uh especially from developing parts of the world but sometimes we get so carried away with our own stresses in life we we forget the


even the smallest blessing that we might have, so that really got me thinking because I was like I I I get stressed for the smallest to the smallest things but these people you know they don't even have a shelter over their head and they are still so kind, they are still so loving in the way they speak they still like like you can see the contentment in their faces and in in in terms of the way they actually like their mannerisms and uh in the in the way they actually approach you and they want to be helpful because they know that


you are a foreigner who has come to their country they they want to give you the best kind of hospitality you know, so that experience left me in awe like their the people, their hospitality and the the the fact that their people are so welcoming especially to outsiders ya so that is an


experience a travel experience that I will never forget in my life because I I just realised that there are so many things that I should be thankful for and that I might not have been thankful for initially because we are so carried away with our own stresses in life ya


ya definitely what about if there uh is there any favourite activity that you have uh that you like to do to unwind and relax, anything interesting,


yes I've watched friends like many many many times until recently I actually uh because you spoke about netflix recently I started watching this new show on netflix because I uh wanted something new to watch and that's when one of my friend actually


suggested this netflix it's not a netflix show per se it's an american show but netflix, uh started showing that show on their platform and it was uh titled how to get away with murder it is a very it's one of the best shows I have ever watched


and I don't know why I started so late because their first season was in twenty fourteen and I'm only watching it now in twenty twenty but they have six seasons and I, you know I binge watched all their six seasons I think in less than three weeks


so that was how crazy I was about that show because of the titular character like viola davis I guess that was her name she was phenomenal she's she's phenomenal like she she is like one of uh the best or maybe the best actress


I have seen so far across all the different like, industries like uh because I have watched movies from like various like coming uh products of various different, film industries like the indian film industry or or the mandarin film industry the malay film industry but she is right up there in terms of


like the best performances ya it's because of her actually I think that show became such a big hit and but it's not exactly a show that you would want to watch if you want to unwind and relax because it's like a it's like a


it's like a crime mystery sort of a genre, so uh it it can get very stressful when you are watching the show and it's definitely not the kind of show you want to watch before you fall asleep because I've done that before and I've gotten nightmares


ya so ya but friends is a a a very nice way to unwind and relax because that that is a very lighthearted show but not how to get away with murder ya


(mmhmm) yes I totally agree because uh different people like different things like there are certain people who are like the ultra ultra friends fanatic but then there are certain others who actually claim that I think how I met your mother can actually match up with friends or


is even better than friends which I respectfully disagree as well ya so I think to each his own lah so ya so what makes you want to be alive,


a'ah that's very nice that was a very deep sort of thought up response that you just gave what makes me want to be alive is because of the, it may be cause of what the world has to offer and what, I can offer to the world as well ya and like what you said I think there's a lot of things


we as a human being can do like each and every one of us I believe it's okay this this can sound pretty cliche but each and every one of us are very unique with our unique capability strengths and weaknesses even those weaknesses can be, can be you know a a a good aspect of us I don't see why weaknesses should be bad per se I think even that weaknesses could be


sometimes a blessing in disguise as well ya so I I think because the there's so much to see in this world so so much and , I mean that in itself is enough to make me want to live


and the fact that I can actually do something as well and to give back to the society that I'm part of is something that I would want to do as well not just live, you know maybe for just live for myself maybe when I was a lot younger I used to be a lot more self centred that is that is true I didn't use to think so much about the society at large about how I can be a help for other people in society and all that but as I grew older I realised that that's a very like


selfish way to live I think in my opinion and it's something I think like my friends also have told me before that you know you might want to start thinking about how you can actually help others and, you know I I I remember that when I was in uni as well we had this compulsory community service like thingy that we had to be a part of it was compulsory and I remember at that time I dragged myself to actually


fulfill that component that actually went towards , it was a graduation requirement basically so you had to complete a certain number of CSP hours before you can graduate so I remember I used to drag myself and I used to be like why does this component have to be compulsory like you know and stuff like that but then


when I finally got the opportunity to actually fulfill those uh CSP hours at a nursing home that actually really opened my eyes to, how much of a help we can be especially to the uh vulnerable segment of society that is the elderly especially


and so ya that really opened my eyes and that's when I realised that that's when I realised what my friend was talking about that we can we can actually do so much if we want to but we have to, want to do it ourselves we have to actually take the first step to want to be of help to others and not just like I mean that's that's that's really it's not selfish for you to want to do things for yourself and especially now with self care being a trend these days it's


totally understandable like you need to take care of yourself you need to take care of your needs you need to want to do things for yourself to keep yourself happy, but I think that at the same time if we actually take some time out of our busy lives especially people in singapore we are so like we are part of this rat race we are all busy doing our own things either work or study


I think if we take like just one hour out from our busy schedule to just give back to society in whatever ways we can it could, it could give you a lot of satisfaction because I have experienced that myself and I know that that is also one one other thing why what I would want to be alive so that I can help more people in whatever ways I can ya


, yes hopefully,


what leads you to experience an adrenaline rush,


for me it would be horror films because I get scared really easily so, horror films give me the kind of adrenaline rush that no roller coaster ride also can give me


so , yes I am really scared of horror films but I do not know why I have this tendency to torture myself to go and watch a horror film in theater even though I know that I scare easy so


ya so horror films is right up there for me it's it it gives me BP my whole body can get warm, my heart starts pumping really fast so you you can imagine especially when the horror film has the


uh suspense element to it as well and with all the background music and like !woo! like what's going to happen what's going to happen and jump what jump scares is it oh those are enough to give me a heart attack, so yes horror films


ya so that's that's the whole point of having a horror film that is backed up with a very good


BGM you see so ya uh if not for the music definitely I don't think horror films will be as scary but it's it's the BGM and it's all the scary sounds that they play uh uh when a certain scene is played out on screen


that is when the horror film is taken to a whole new level , ya so is there any horror film that you would recommend , oh yes


(mmhmm) ya, ya I totally agree, (hmm)


part one finance you go first


well you just finished your question one is it, right right okay okay can can ya uh do you have a savings account ya I do, yes and I have at, DBS and I have at the UOB


but my, yup as in I uh I, I mentioned this before is , my DBS has more to hold my, savings, and then my UOB is for my spending


cause I as and I have my debit card, so because for they us they have the plan of like if we spent more than five hundred a month, on a car then you get a higher like higher interest rate limits I hardly ever hit that amount but ya


it's for those rare occasions, , I have a debit not credit, credit card debit card is different you know right


ya checking lah, okay wait let's say ya so like, my DBS one I create like my parents created for me I think everyone does that, all the parents when I was what like super young


not even sure, there's the one at POSB oh, then , my UOB one I start I only open when school was starting last year, but ya, ah ya okay so that's my, that's my two


that's my question two done, you don't have right what's you need to answer this, what you say yours is


ATM card what if I'm not wrong, not debit card ya


ah you wish you wish, okay that's interesting as in I I I don't disagree, cause using cash sometimes does make you more aware of exactly how much you're spending


but as as in that is sort of, the point of using cash is a bit discredited due to pay line everything, because you don't even need a debit card for that, but ya uh moving on uh


some may argue that banks interest rates are unattractive whereas others may feel that their money is safe and accessible in banks, in light of this would you save, in a bank or invest it elsewhere


what's yours what's your take, right let's for me ah


ya as in I would I would keep my main stash and uh in uh, and savings but then I think every month I would like dedicate a certain amount into, saying buy some stocks or something like invest small but it's it's all about affordability


and it's all dependent on each personal person I mean each, person their own personal thing, uh for me I wouldn't out like for me you know like say, like out mine would be a small amount of investing per month but like I have a friend who


he uh, you know like like his investment and all is in the thousands well I wouldn't be able to do that, so I guess it comes down to your own affordability and, stuff, but ya so far I think but as you said lah I think it's pretty true


and the interest rate is really not uh enough to justify just keeping your money there because otherwise you are just sort of living a day without gaining anything so, it's pretty important to have a bit of diversity


especially in today's world ya because like they always say like you should always have multiple sources of income and investing as one of them, okay uh in light of this blah blah ya okay done, question for what's your experience of getting a loan, oh okay I go first you go first just (mmhmm)


as in depends on because like say for me like my uni loan like for my uni I took a loan from DBS, you know you know right that, universities have a partnership with the banks the student loan the student grant the the tuition grant tuition fee granting


is the so I took that one and they don't charge you interest until uh like six months after you start working, so so like for me right I already told my parents like once I finish studying try and have the lump sum ready so that I can pay it off first and then afterwards at while working I can pay off I can give it back to my parents


but, it doesn't make sense to like you know it doesn't make sense to pay the bank, you rather be giving the money inside your own family, ya so ya like err, but ya, isn't that like my parents have a loan for the car and


but ya that that all that I don't know the details but, for me is just this tuition fee alone, ya, when unless I get lucky with the scholarship but honestly !huh! I don't think where anyone's getting a scholarship


oh dear, but ya so yes okay do you think couple should combine their finances and open a joint account, if you have, share your experience and details okay


as in it depends on for me it depends on, how deep you are in the relationship I guess, because as in if


okay I'm okay wait actually let let's define couple I think couple is more like you know at least is steady and looking, ya close to settling down already in that case I think, , especially if elderly settling down then ya sure you should, as in because like I


like you know like I read here and there quite a bit so they do say that, having a joint account okay that's actually uh never mind never mind ah as in like having a joint account sort of makes it a bit more like, makes you have a sense of commitment


you know because it's like sharing, said it it gives you an uh, additional, uh sense of commitment towards your relationship or whatsoever so like, but that's that's away from finance that's more on relationship


uh ya I guess it's alright, but then again it it comes down to like how comfortable you and your partner because you know there can be quite a disparity in your income


you've got to be comfortable with each other that that's more about it, so I think I think it's fine but then (ppc), only do it if you have reach a certain stage of your relationship and are looking really to settle down, otherwise it makes no sense and then like, imagine if there's a breakup, then is like it's gonna be really ah


nasty to sort of split the cost, like split that you know like and that bank account like, then that'll be all just like oh I put in this much and you put in that much so ya


ya make sense make sense quite interesting


yup yup make sense make sense, , kay moving on and what what age would a child be given an ATM card to manage their own bank account , kay I think you are better suited to


saving mindset


eh that makes sense that makes sense it is really down if there is no specific age but like it's more of like uh the child's habits that determine when they can get it, and that that that's mutual that's fine, ya I think like okay like personally for me I had no ATM card I had no


I had nothing until I reached NS and started like, because in my house actually we were not given we were not given monthly allowance or anything we were not given an allowance it's just like, because ah for us we, we should bring food from home for recess and everything so there was no real need


for an allowance, so it was more like you know like when I need to buy something then I'll just go to my parents and be like okay I need this much money for to get this and ya like the the money was very controlled by the parents


and I I don't think that was a bad thing, , but the ya so I I think in fact that was sort of good cause it uh helps you to value the money you know because like they will ask you what what do you need this for and they will always of of course if you want to buy something unnecessary they'll like do you really need this


ya so like it helps you think uh do you really this and and it cultivates a sort of uh what what's that mindset called, as in you, responsible you know like you're responsible and you're not like just, sort of spending it without any meaning so I didn't have any


ATM card or anything until I reach NS, like once I had NS and I started getting in my allowance from the army then I was like you know can I get my card cause like I have money now and then they are like ya sure and because like I am


the most stingy guy in the in the household like I am the most uh careful with my spending and everything so I guess as you said that they play a part you know like, my saving habits I was very into saving, so like the amount I would get from my army per month


ninety I'll say eighty to ninety percent of saving while some of my friends were easily spending sixty seventy, percent of it so I'll so ya so it's sort of savings and your own attitude towards it, so like for some people like me could have been I could have gotten it and sixteen seventeen and maybe wouldn't have made that much of a difference


but for other people, you bring them to twenty five and, you still don't want to give them a card because they really have no limit you know no control over themselves, so, nice ah ya I agree with your point spree like, it's down to the person


okay cashback points or miles which type of credit cards do you think people should be using, man, cashback points or miles isn't more miles more for like just airplane, okay


but you know what's miles as in like so normally , from what I know is like when you buy place ticket, and say you flying from singapore to London, the distance you it's either down to the distance you travel ah the amount you paid for the ticket but they're the sort of it comes into like


miles for you to use, in the future like to upgrade your benefits also so that like for example if you keep using the same , airplane it will accumulate and you can get benefits so for example you can uh you'll become like a like a their platinum member or gold member and this allows you to use the lounge or the or get like cheaper prices at


and like a bit of priority here and there, but that is what I know like there might be more I don't know but like miles is not something I would go for cashback it depends on the, uh ya what are you saying


ya okay then like cashback I don't think cashback is that worth it to like I think even I don't know how do you agree about this but people like sellers don't give good cashback at all you pay five dollars to give you two cents what am I going to do it two cents, is it is it good


!wah! I didn't know that man if I had known that I would have splurge a bit more at work , as in credit card like as in credit card is for points is for credit card also like we have like five seconds left I think this is going to end but ya or like the ones that give you the best rewards because some of them are damn good rewards you know


okay it's over should we like, ding ding ding ding as in it's, it's it's still recording (ppo)


okay, part three negative experience, okay, !wah! I really have to avoid humor while sharing experiences okay this is going to be a challenge in itself


uh okay uh describe something you watched or read that give you goosebumps, okay I'd say, okay and the positive experiences how we talked about, you know uh reading I mean uh


you know seeing people do kind things, a random acts of uh, kindness and all, and I guess that's so that one spectrum and the one that gives me the goosebumps is on the other spectrum, like just just now like before we started this I was on twitter


and I saw uh this video where, uh uh, you know that it's in a cafe and man just came and try, to kidnap a girl, so the whole family's sitting there, and this man just came and tried to kidnap her


then I'm like bro that's a no go, what you're just and then like I was reading the comments right, and and like, people were saying that this has happened to them before, where they were almost kidnapped


and like I can't I can't, fathom this kind of thing you know like, !wah! like !wah! it's so sad eh , quite quite routes to be honest, and then like another thing is that, so you know because of COVID, some people in india


what they did is they told people that they have COVID and they, and they brought all these people into like a holding area, and, and then they kill all of them and sold their, organs, harvested their body parts, then you were just ya ya


and this was like two hundred people of so you know, like, is damn inhumane eh like how can people, how can people do this you know like, how can you people even think about it is, it's damn nasty bro it's damn nasty but ya that's my one thing


what about you !huh! ya


(mmhmm)


ah I get what you mean is like


first first your first you're lambasting someone for doing something but it's not like your actions are any better, like you like it's it's okay if you want to call out someone but there's an appropriate manner you cannot be like send like oh I hope you die and blah and blah and like people do that


ya yup, ah ya it's pretty disgusting that's why like as in I I think of talk to you about this the whole culture of social justice warrior and all those jokers


but ya okay that's uh for another time, okay , describe, a time


okay that that one's a bit sort of, you can take your time to okay uh ya simple what disgust you, or describe an event that made you very angry choose one, the snake culture lah fruits bat


no dude come on honestly it's not a way of life it is nah I don't like but I I know what you're saying but, if if you cannot justify people's uh, actions by just saying it's a way of life you know what I mean, it's we cannot just be like oh ya it's okay it's in uni !wah! nah nah nah I disagree


but okay I get what you mean and with the that that conversations uh hold different conversation and you also, ya okay uh an event that made me very angry, , I'd actually is okay is similar but a bit different so like


for example I wasn't so I actually went for a trip to malaysia with a couple, of friends, in in in in that group, I had brought along like I sort of invited this friend of mine, who, who sort of knew that group


but not really that close but you know like uh it was, people were asking and I was like okay ya you know he can come to and then he ended up coming and, what happened is he just kept using me as a stepping stone, to get to know them and I thought that was very insulting like


here I am inviting you, ensuring you have the courtesy introducing you to these people and then you are here like insulting me just as a means to sort of get closer to, them and look who I don't I don't stand for that I don't stand for that like I'm okay if you want to


you know like connect with them it's okay you know a bit of banter and everything but then there's a certain limit and, it it was I think is like, I I don't I don't stand for it you know like, like for example now if I was to like if you brought me to a social setting and


people were like making fun of you oh sure I you know I lend the few punches but then I'd be like dude but like this person's damn steady blind bluff, you know like I I make sure, it's it doesn't get to a stage where just so sad for you or like extremely brutal


but, it it's ya ours that got me really upset and angry I was like, as in like dude, !huh! you bring someone and then that person sort of backstab you, nah nah, that is a no, go


ya so that's one, (hmm) yup ya what did you say


ya I was actually thinking about that also but like, honestly it just bullying but like, because like ya, cause I haven't said anything that, like a more worse than bullying right now I hope I don't as well but ya


bullying is pretty menacing and, sad but ya, so bullying yours ya school lah exactly correct


okay moving on (hmm), describe blah blah it what what what frustrates you oh no describe a time when you hurt someone's feelings


ya man as in you do this to me on a daily basis but, joking continue topic of oh okay


it's not her fault is like and she can have zero percent fault and yet it happens so ya, ya, now I understand your point I I thought you were actually going to say that, because, like the point you mentioned there's not even


like I feel that most most people, straight up just like, will be on the victim's side like they will not say anything it's it's only those uneducated and really like pig headed people that will even find fault in the victim


because I think dude the moment you are a victim that's it like, people shouldn't even be like you know , talking about it, they should just there should only be support and nothing else there shouldn't be like oh but like, how did this happen, what did you do what could you have done better like


as in sure you know sometimes that like you go into a bad neighborhood you know it's a bad neighborhood yet you and then that you can take a one percent blame even less than one per cent, but like why is it a bad neighborhood in the first place it's not her fault


get what I mean so like ah so I actually didn't expect this point cause I thought it was like common knowledge that you know I, so I I agree but distinct completely one hundred percent because, like, dude you get like dude okay let's put it this way I will I just read this the other day as well on I think reddit


or on instagram I can't remember so basically what happened somewhere, is that, someone posed as a milkman or something and said oh the normal milkman as not uh not coming today you need to go to another place to get the milk, and


and the victim here is like an eighty plus year old grandmother, okay and this person, brought this grandmother to another place and then raped her, so like, it's just like so so like you know you were saying like what can the victim do but like no


you know like we we put a certain amount of trust in humans in each other, is not their fault at all, so like, on the same topic so like I completely agree with you and people should simply not, be allowed to you know like even


ask things ya question like, so ya where oh ya ya


exactly like I totally agree like you don't even need to show head towards the other people like don't like oh ya you know like he is trash and like as in like just be like ya you know he this is what he deserves for his crime, finish, but like then don't go and lambast that guy also


you have to address the issue not the person, because then it gets very like I can't say properly I can spell it out though, , but then it gets very ya correct that word, but like, because then they're losing focus the point is not him the point is the


like the issue you know you should be addressing the issue and it needs to be curbed, but uh ya so okay like I completely agree with you on that point, but on the same topic of rape the thing that


I feel needs to be addressed to a certain extent is, you know how of course this, it's it's like you know how few bad eggs can but then it will give her, bad rep to everyone, so like for example recently not just recently


because of the fact that it is most of the time it's the girl who gets raped you know, so but, a lot of times, girls have falsely accused guys of raping


and when and like even even when the guy is finally cleared of the offense right because like it's really false, the amount of hate they get from, the public is so great they just end up committing suicide, and this has happened like really a lot of time


sure like this is a small like, like the people who are maybe you know falsely accused of probably on a lower scale compared to the actual crimes happening and and I'm not like you know trying to play down the the crime of rape, but I'm just saying that


people's lives are being ya you know like it's just it's just, it's ridiculous, like which is why I really say that you know, that when when such a crime has happened like sure say that this person needs to like say that he needs to serve the sentence for that


crime, but don't ruin his life, without the, like until the final like verdict has given, get what I mean okay as in like it's it's it's a very it's a very, fine line it's a very fine line


ya it's a it's it's very difficult to honestly like come to actual conclusion on this it's just that's why it's a discussion you know there's no like we can only talk that's all we can do at the end of the day it's per circumstance it's where it happens it's the person how high key or low key the person it


like let's visual it even uh like even the race effects, the race of the victim as well as the uh culprit it both the facts are the kind of backlash it's going to come out, cause uh ya okay let me not say further but


ya , so ya okay this this was a, interesting convo was ah, as in there can be a lot more to be talk about but we have one and a half minutes left so what's your greatest fear


, I can't even I can't even, I get what you mean for me for me I get like sometimes I get very uh annoyed like because


for me it's a bit more on the racial side, where like they make soup ya I'm just like bro you can't do this kind of stuff ya just like, where's your brain but like, ya okay ya


another okay like about this right I'll say that the one thing that pisses me off, is when songs not just movies songs movies and all the TV series right, they like to, uh glorify drugs and like the DJ lifestyle


like, kids are already doing it you don't need to glorify it for them in fact you need to be, putting some sense into their brain like we all do some sort of vices but like we ya okay !yay!


eh oh, part two positive experience, uh you go first


okay let's see for positive experience describe a travel experience left me in awe I have quite a few, as an I've been to I've been to a couple of places which I absolutely loved you know like I went to germany I've been to switzerland


I think the one I really really loved, uh, left me in awe okay actually that was in india, ya, in india when I went and jan twenty nineteen with my friends it was just three of us


we went on a road trip but as in we had a driver and everything that we went around, and we went to like the northern side of india where it's a bit there's more like mountaineers stuff and ah, it's more like the weather is more chill


that's it is considered a bit more holy as well, uh it's I'm pretty sure you have never heard of it , uh but yeah , so we're there there like there's this


what's it is that an ocean or a sea or a river Kangkar, can just Kangkar river I think it's a river, so from there we went to this cafe, and from that cafe, when like when you are sitting inside the cafe right you can hear the sound of the river


and it was so peaceful it was like, it was damn awesome like you're just sitting there you're enjoying your coffee and your pizza and you can hear this the river flowing there and like so they had a balcony, and when you look for look from the balcony right like you're legit just looking down


at the entire river and like you when you look left and right it's just like really nice old architectural structures and buildings, so it was that that was honestly really nice and then I would say that, one of my also another one would be, when I was in


switzerland, ya okay like one of those uh ya when I was in switzerland I think there was two thousand seven, that was my first time seeing snow, so I was like two thousand seven I was really young, so the and that was my first time seeing so I was like you know aesthetic I was really happy very


excited was was was a very uh, was a was a good experience you know like first time seeing snow and all you know but ya okay onto you, (mmhmm)


ya as in like going overseas and itself is a pretty awesome, like awe, you know like I interpret it like the moment I'm overseas I'm in lala land, I'm happy but yeah, uh okay what was the biggest reward you had ever received after doing an awesome good deed


oh what an awesome good deed, what, and it's a very vague uh, broad spectrum I can say like a good deed was helping a friend down and homework which helped him get an a, while I couldn't get my a, which is quite heartbreaking to be honest


, ya go go if you have something, (mmhmm) (mmhmm)


that's nice that's weird, its like you were you were rewarded like, for a good deed you did once upon a time, and then it's a cycle because you felt that someone did something for you then you are like okay like this is this is my you know I'll hold onto this


umbrella oh ah


that's weird that's weird that's nice, ya but you have never ever offered me an umbrella I'm I'm really disappointed lah, you know how many times I've been getting drenched in the rain or not, feels bad eh rubs


can can okay moving on, oh I need to say now okay uh, because you what I ever received honestly I I don't know, I just say that as in you know you know my you know my, uh, you know my take on my friendship and my


uh, you know my take on my friendships and like how much I put in and everything I think for me that is uh maybe one of the biggest ah, rewards, the largest put in ah like you know like when, when a friend acknowledges or appreciates uh


whatever that that for me is like one of the biggest rewards because , it can get rather disheartening if you put in a lot of effort or you know you do you make a lot of tough choices but, because the right choices are never easy the obvious tougher, for a lot of them


I I think that for me personally it'll be when it just like you know when a friend appreciates me or I just get a bit of a, pat on the back and I'm like all right you know like, uh, all I've done is not to waste there's some some sort of uh


some sort of a reward and and as you said about karma like I do believe in karma as well and I think uh, that's that's spiritual ya, okay describe an experience where your faith in mankind was renewed, oh man oh man


oh the umbrella thing is it, , okay lah that works that works, as in if I were to say experience where faith in mankind or experience ah means cannot be online otherwise I have like a bunch of anecdotes from twitter


as to tell all the sharing, but if I were to say personal, I'd say, but it's not my experience right, (hmm)


I think a faith in mankind, renewed, ya I'd say that maybe lah just just you know like sometimes everyday just like our everyday school kind of thing where we we just expect the worst in people and because of the knee he list uh society that we have been made to believe that exists you know everyone's just out for themselves and at the end of the day everyone's in it


for a, for like a hidden agenda and all but like just like sing friendship sings real uh, like just everyday things you know you see people help one other another you see just casual meet ups and everything and you're like see it like not everyone's in it just for


for a to get something out of it you know not everyone's a, snake , but yeah that kind that kind of thing is rather heartening you know like when you're just , a talking and and and then you take a step back and you're like oh my god I'm really enjoying this moment and and the people here are not doing it for any self gain we're religious enjoying this being here together and it's it's nice


I think that for me is a, it's a it's a, think about where I would say it like yeah you know like faith in mankind was renewed and then like when I see people help one another oh yeah I'd say okay like you know let's say about during


circuit breaker and all our I used to go running everyday you know we are allowed to go for physical activity right alone so I used to run, and there was this one time I had a pretty like strenuous run and I was out tired and then because of as I was I was limping a bit and this person was running by and she's sort of stopped and she was like are you okay and then I was like ya ya I'm good no worries thank you now then I was like oh that's so sweet you know like


this this random person who has no idea who I am and I wasn't like a ah it was just like a slight limp and I was just going slow and yet she checked up I think that was really, very uh, heartening so yeah I'd say there was a I would say that's an experience yup what about you


(ppc)


dude actually you don't have to go and order if you see something you want to answer first right you just go and say at first I can follow suit, you see what you want to talk about


eh don't tell me netflix and chill ah please ah, don't tell me netflix lah please ah, (mmhmm) yeah okay that that's nice that make sense


ya okay like in in terms of, what did you say what did you say ya I figured , okay lah okay lah everyone got their own thing I'm just not a TV series kind of guy or movies but yeah


okay uh for me describe an activity unwind and relax I think, , you know one one is definitely be to just, after like a really long week or a long day or just anything after you're tired just like you know with your close friends you just like, sit like just you're like so you look so #lap sap#


you know you you can be in your most uh degenerate form, and then you just sit there with them when you are like you know whether it's a chill drink whether you are a beer or whether you have some coke or sprite or orange juice just sit there and you, have some nice chips and just talking absolute nonsense but like it's a mood you know just being in that


yes, my favourite place ECP, exactly that's that's really uh that's that's my favorite mood, one of my favorite than the other would be running I enjoy running to release my stress


it's a extremely therapeutic, uh activity for me, otherwise like playing the piano reading books all of this as well, then , okay let's see what makes you want to be alive this is very interesting


I want you to I want you, go first it boils down to to works works continue I gets I gets (mmhmm) that's interesting


and as in like of course everyone has their own personalized agenda so, that's cool, what makes me want to be alive, I live for the highs and the lows with what


okay let me think ah, okay what what makes me want to be alive honestly like, if if our if this see I I feel like this is not just about purpose this is what makes you feel alive you know like what keeps you going, some people do like for some people it's the purpose


of achieving their purpose but for some people it's doing those things that keep you, keep you like you know spirited and keep you going, like say for example like if a sports for me it keeps my energy high keeps my spirit alive, like doing things like bungee jumping and water rafting


extreme sports this kind of thing like, that that like that, reinvigorates my own spirit, (hmm), correct correct and then it's like yeah these these are the moments for which I I am alive


but I guess if I wanted to talk a bit more focused about the purpose then it would be, like, a reason why I want to be alive is to, like help, people as much as I can as well as , as well as you know like so one one big one thing I really want to do before I die is have some sort of impact on the world in terms of clean energy or green tech


something to help, the climate because otherwise the, Adios uh weekend, never mind uh let's, complete that uh everybody ah so uh that's what I mean like so that would be a purpose another purpose would be


ya as you said you know like, okay no actually for me it's really helping people being able to impact people make their lives better that that's very important for me to be able to, help ya


it's it's so ya that would be my, what else what else, yeah honestly I I was looking at that but I don't know I


actually you don't know you know, never mind will randomize it let's go to something else again uh, what's a skill ah okay what's a skill or an ability that you're secretly proud of having, deeper level (mmhmm)


okay now as in as in I know what you're saying so it's good as in you're, you like people people connect with you, it's more than just a surface level, correct


mine ah skill ability, secretly proud of having, , low key my piano, low key, but otherwise I would say, uh my EQ is pretty decent and I'm quite happy with my EQ


okay okay am I sensing something, (uh huh) grace do do I sense something here !huh!, , k k I sense I sense some mocking never mind I'm going to skip


why


why what do you mean by the way I what do you mean by the way I play sports in what in playing sports yeah yup


part, one finance, okay uh do I have a saving account err yes I do have uh my experience in this is


I, my parents actually made the saving account for me so I I didn't have any clue on why, they did it for me but as I grew up like I understood like the importance of it lah to to store to to


to keep the money in the bank uh and I use uh POSB, uh, I haven't really done my research on, why uh why why why I why my parents chose POSB and not like the other banks like UOB and et cetera but


right now I, okay be sticking to it lah, ya, then how about you, I mean I mean it's just a, discussion what


ya,


, , so you have uni have a debit


can't, ya, ya


ya I I no my POSB is a debit card right, my POSB is a debit card right


oh ya sorry ya so so I don't have a credit or debit card, I, I don't think I would want a, credit or debit card


right now maybe until I when I when I exit when I graduate from uni maybe because like I feel that I'm not of a like


by not having a credit or debit card it will help to control my spendings a little bit more in a way right, yes ya right ya I mean it does help lah to control my spending ya


k, ya ya either


some, in light of days


I think will be fifty fifty I would say like no sorry not fifty fifty I would save perhaps like eighty per cent of whatever I have into a bank and twenty percent I'll use it to invest it elsewhere


ya because like the bank the bank's interest rate is, not enough to to to cope with all the inflation and stuff, ya, the current inflation especially


given a situation like now, but, so if you if I invest my twenty percent of what I have right, in into some


something safe lah, I I guess that would help ease the situation, ya


, yup,


have you ever gotten a loan, uh I have never ah, because , I think my my, one of my siblings wanted to get loan from the bank to uh


because she wanted to study in a university what, but she, because she she wasn't sure, uh, to whether she wasn't sure


uh, whether it was a wise choice ah but uh in the end she didn't, uh get a bank loan because like she she calculated the, calculated the, the ya and it wasn't like worth it lah so she she borrowed from like parents ya


and that and she also work lah, so she saved up a bit already so ya so, I I don't have any experience in this ah, and, and personally going, going uh to a uni now


uh my parents are, are still not getting a loan from the bank because I think mainly cause of the interest rates, right now it's not wise , financially wise for us to do, to to go this route lah


ya, , ya, ya, (hmm)


ya, !aiya!


suit, so you have ah continue to learn, four years ah oh


oh right


(mmhmm)


like you are settling down, what, yes


(mmhmm),


, ya


I think, ya


, but I think like in this case you are talking about, more of it like oh, like married couple settling down


and all that stuff, if, otherwise I don't think you should combine, like make a joint account but like, I agree that couple should should do so, because it's


it's like, you are more aware of what, as it's you have and like ya, ya I think that's basically just it, ya, like you're you're just aware of what what you have but it's also I think it's also


you should have like, a joint account but you also have like you should also have, your own your own personal, account


yes so, (hmm), at what at what age ah I was given


an ATM card at twelve, when we were at sixteen years old, like, it was sort of a present I guess, like they brought me down to to make the card, and I guess


at what age ah you should judge when, based on whether your child is, like over the years is he or she good at, uh saving up money like you can start from, uh the basic like it


you have piggy banks at home right like you should, kind of regulate or like observe like how much uh, your child has been saving or not, ya and I guess like my parents, notice my pattern


like how regularly I say that's why they decide to give me at age sixteen lah if not like, uh I would be splurging like because my, friends at my age right they, they don't have the


they don't have a yes, like once they earn a a certain amount of money then they will splurge and, ya so I guess I I would I would also train my child to have that


kind of mindset, to to save up daily and then decide like when is the appropriate age which is around, uh teenage like around, around my age like when I first got an ATM cards also, ya


ya,


, ya, ya


(ppc), (mmhmm) ya ya


, ya yes


, what is it what is


miles ya, ,


, but ah ya ya ya, can


it's a accumulative thing lah, like you have to constantly purchase one, the same


like shopee right you have to constantly shop from shopee and then it it makes your, that that points like you're gathering worth it if you are a constant, ya, the the cashback like during the sales like it's it's quite


worth , ya, eh ya, but which type of credit cards, do you think people should be using,


, ya oh, show


(ppc), part three negative experience ah


(hmm)


ya


oh, oh


yes


is it on the black market oh, oh my


I guess it would be on how like how like how modern we have become right like, all this there are a lot of crime that how do I say, you know like there is a lot of cancel culture


ya, and like about how, okay you know the recent issue, about uh


I I would say it like even though I'm not and I'm not supportive of him but it's, it's the fact that, how like how a lot of people ah, keep like shaming his friends who support him by supporting I don't like by supporting I mean like uh like encouraging him to to like to to confess to his scenes and like


help him to move past this phase lah ya and they are giving, uh a lot of like a lot of, negative comments to his friends who help him so like


and I guess like like when I look at this I feel very it doesn't it didn't give me goosebumps ah but more of like I felt very uh, disgusted, but by the way that like it's your friend what and when your friend goes it goes into a deep deep path or dark darker path right you're supposed to help guide your friend or out of it and you're not suppose to


give up on them what but like, with the recent like uh, with all these like cancel culture right like people are not I feel that people are contradicting themselves in all this, like ya, like that they they're just contradicting themselves


it's like like they they want people to hate on someone and then like just because they did something that and they don't like like they expect their friends to give up on them on on like ya


I guess ya ya yes, ya yes ya there's a there's a difference between that and like you want someone to own up to their mistakes and asking someone to kill themselves


ya ya


what disgust


I think I, I told you this before like an event that made me very angry, the or like how people don't, treat people as themselves like you you're just making use of people like


a lot of people and I think especially in a in university it's it's very, normal I don't know if it's normal but I guess it's normal in a university world like when when you're studying and then people will like come to you looking for for help and then after after that they will grows upon you


ya ya and, ya, ah, I mean it's a way of life lah but it it's just, it just makes me angry, ya but (ppc)


friends like this !aiya!, but have you never mind ah, what frustrates you uh


what's the worst thing you've witness and kept quiet about, , ya actually ya


like in school right


I mean ya same, is it would cause cause it's like my friend who did it but then like it's your friends so that's why you don't say anything right and plus like we were all young, ya ya but that doesn't justify but


there are still, ah what, oh, you know


oh you want to talk about that, oh red what uh I think, like this question right what is an what is


an issue that you feel upset over because you feel the world needs to do more about it this, like, on on instagram ah like I see a lot of people talking about uh like uh


what is that how do I phrase it nicely alone like a topic of rape mah you know on how, rape rape ya so like I feel it's very hard for it's like when when you view on a rape case right


a lot of people will be looking only at one one side of the view, like uh the victim side and they they will always question, oh like oh why does she have to dress this way or was was her legs open or not like she could have kept her legs close or not all that stuff you know like


I mean like it's really frustrating to like they don't I feel that like uh, us as uh like we have the third person's point of view right we don't have much rights to comment you know like


and like they should they should they should understand that like it was not their choice also, and it's not uh


it's not whether you like the choice of clothes and all that stuff and it was just because due to the, that's, what's the opposite of victim called ya it's ya and people are blaming it on the victim


, ya ya


ya


, (mmhmm)


oh ya, ya


question like leave the questioning for the for the for the one that's undergoing investigations right, but like like the question has to be done by the people doing investigations and stuff what like you as as the as a third person like you shouldn't you should just be showing support and that's all


ya,


derogative,


yes , yes


, though that there have been ya


I think, I mean it's


I don't know but it's how like in singapore right, the laws are, favor to the women to the females so I I mean like I'm on, the I'm on the I'm I


I mean I'm benefitting from this but I feel that like like it there should be a fair share like, on how like uh, the lawmakers should be more objective lah, I I don't know this is I I mean that there's nothing we can ya


ya ya,


ya ya


oh, there are some movies right that made me frustrated you know, like, after I watched it because like they're low key offensive and and like, I don't know like it makes you question like like you are director like what what were you thinking you know right the don't like have you you have any ever watch just like those kind of movies


f right, ya ya I mean ya


I guess like mostly is all the racial racially discriminative movie, ya ha


, ya ya


don't glorify it [lah]


, part two positive experience okay, describe a travel


experience that left you in awe, uh positive experience uh travel experience that left me, it's really hard to think about this uh, why not you go first


ya


, me was like I guess it was, always a, like when like I have always gone to Taiwan, with my parents and and


I mean like it's always a pleasant experience lah, like we were always there having good, food and doing all, experiencing the, country life, ya so


I I don't know eh like every experience overseas have always been positive so there wasn't a, uh one that was more like outstanding one compared to the rest but it was just the fact that I, the fact that uh it was just eating


food with my family I guess ya, it's nothing ya ya, ya


(hmm)


, that's not a reward are you, uh, for me right


I think you will be, I don't know I I like to believe in karma you know like I I, like, when I do something good to, someone and then , like I don't receive any reward like immediately but


I like to think that like after a few days I'll be shocked when someone does something nice, for me like uh quite recently someone uh, when I was crossing a road it was raining ah so someone held the umbrella from because it was drizzling quite heavily so I I believe that


that was my one of the, the rewards I received for, helping like for helping someone previously ya, but it doesn't like come to my, mind ya ya yes ya ya oh ya ya I remember I was


crossing the road and this, this lady needed a, needed an uh an umbrella oh umbrella ya she needed it then uh like, like we just cross the road together lah with my umbrella, ya so I guess like


you know like after , like after a few days someone help me and I'm, it, it never rain, oh I wasn't there with you


, but ya,


I guess it was like helping, like certain, the stranger that help me that day, ya and


, but then how they know that everything that you read online is real you know, like or believe I don't know lah


ya, ya like they don't


like some is a stranger I mean


I said it already but yes I don't, know it it's not coming to mind immediately but, it was just like it's just the little acts like like what you said like when someone, offers help, like without expecting anything in


in return and they, they really see you as yourself and not like, not like oh oh oh I will find bridge, or because he will help me with this, ya you know


ya okay what leads you to experience an adrenalin rush, oh sure oh okay uh (hmm)


describe your favourite activity to unwind and relax, I think there are two two two two two kinds of activities that !huh! no lah I mean like, no


I mean it's just like unwind and relax it's just to to just sit down, by myself like lie down, like you you you know you you get those days when when you are actually like not tired but then when you go to bed early but you just like you don't sleep you just stare into


ya I I I mean like it's not sad or anything but, it's like like, you you kind, of just like reflect on the day


and then like like, you just like !wow! today was, such a like, I don't know it's just a very relaxing activity for me, and the second will be just to have like connections like like, connect with everyone ah like your like my family and friends it's uh it's uh an


at one activity is I like to do by myself, and another I like to do with my friends which is to reconnect ya, , ya, but maybe the third will be netflix and chill lah ah ya continue


the third the third activity would be netflix and chill ya, , ya,


ya ya especially at east coast right and me I go first what makes me want to be alive actually I have been questioning myself like in another way lah but like like what is my purpose or like but I guess it's it really boil boils down to like human human connection like especially to my family friends ya


I think I put a lot of, importance in that aspect so what makes me want to be alive, I guess like I would also want to achieve, the best of everything even though like sometimes I don't act


like it because I feel that, like my main purpose is to is to live a happy life and ya like like, live live a happy life and, the second would be the second most important would be like to be able to connect with my family and friends connect I think connect is a very simplified way of saying it but


you get you you get what I mean, right ya then the third one would be ya lah achieving the best results for myself and everyone else's ah ya so that those are the three things lah yes what makes you want to be alive ya ya keeping you physically active gives you the


adrenalin rush, ya


(mmhmm) ya I guess it's your kind of purpose in your life ya what describe a time when you made a


come back that shut everyone up, ya I also I think


like like you said, like I think I'm able to to to click not click, not click click is a strong word, to connect on everyone on a on a level like easy ya like I don't know how to how to explain but ya but you get ya ya I have no other ya what about you (uh huh)


that laughter wasn't mocking it wasn't it wasn't mocking you it was just , no ya, no lah I mean like I think you should be proud of like you know your


ability to like, the way you play sports right is I feel that it's the way that you, handle like and I I I mean it's a good mentality lah like you have a good mindset, and that's a I don't know if that's considered a skill or


I think that's a ability, no like your mentality like running !huh!, yes


I do not save money actively because as for now I, because of CB period I do spend a lot of money especially on apps like Shopee it's like there's so much sales going on so I generally


tend to spend more than I intend to though last time I used to save money actively so now I'm like essentially I'm using my savings from last time to spend on now how about you


it's okay same, usually I'll my I don't really have a solid plan for saving some people they like (oo) let me put fifty dollars aside I used to work last time part time and all I did was just to like spend maybe lesser than one quarter of my earnings


and for my own use and the rest of the three quarter is just it remains my bank account, so uh that's how I save ya how about you


interesting interesting


I haven't actually thought about that yet because currently I'm like in poly and my next goal is to go to uni and like after uni I plan that's when I plan to work


before uh pursuing a masters and all that so , for that one year maybe because I still I mean for masters I still have, to save up the money right so maybe I'm just going to try to not spend like all whatever I want to as like what I'm spending now so ya just that I don't really have a solid plan for that yet how about you


ya and some more uni is just so expensive, so, ya dude


that's true that's true like I generally I have well my mum created two accounts for me so one account is like the money that I cannot touch, and the other account is the one that like I've been working part time and that money that I earned by myself is all it goes to the second account so like for example if I get some bursaries or anything like that it will go to the account that I can't touch my money in that yeah so I guess that's


considered saving also so yeah that's all for our future I guess, I have no I'm not really sure about that honestly because like the first account since I'm not even supposed to touch it my mom's like in complete control over it so she doesn't tell me anything about that account honestly I really don't know how


much I have in that account I’m just like living life I'm like I'm I'm just forget about that account and, think about like my account that I can actually spend my money on but obviously I also don't want to like spend all my money in my second account just because I have the money you know so like I'm I'm just very scared that my first account does not have enough so like you know my second account can always


like balance it out or something ya, do you have more than one account or no


oh


so should we talk about CPF what's your thoughts on CPF contribution do you know anything about CPF


ya that's true because like some people they don't save and CPF I think is gonna serve very handy to them especially once they retire and everything from what I know at least i have very basic knowledge on what CPF is generally, but I know that like every month they cut off like a certain percentage and like they put it into your CPF account so


uhoh yeah that's true yeah yeah yeah I know about that also


oh well,


raising the age as in like


uh I think so it's uh that's a good thing right I think cause if whatever the government do I just feel that it's like for the best I guess


so I mean essentially they want people to retire comfortably you know so that they can live off their CPF savings and all that actually for those people who never even save at all I think the CPF is going to serve very handy so I think it's a good thing that like they are raising the age lah how about you


that's true I think like for now they might feel very irritated but then like in the future then they'll be thankful because they have like they can live comfortably you see so it's all for the best lah I guess


I actually don't really know much about income tax but I do know that like there's this like IRAS thing which is in Singapore something in the ya


ya so I I know they like I mean, you have to pay taxes every month or something right if I'm not so, yeah so, that's all I know about that I have not ready for adulting yet so I do not know much about it but like enlighten me though about it


!woo! how you how so


ah that's interesting, okay but but generally how do you spend your money like other than Foodpanda and everything right like how do you spend your money think that topic is very interesting like spending money especially because of CB period


uh for me right like because it's uh phase two already and like you know all the shops are already open, so generally I I like staying at home so when I tell my friends like


phase one oh you cannot go out you know COVID and all that and then phase two all of them are like you have to meet me now like it's phase two everything's open and I'm like okay sure and then right now I'm just, like going out almost everyday I've been going out like four days straight and I'm just like so tired and also like the I've been spending a lot on food so my bank account just going like downwards it hasn't


I haven't like literally when I look at my transactions all of it's just minus ten minus twenty, and I'm like !ouch! you know it's I'm like, but ya I but like oh how what speaking about spending money right what do you think about credit cards


it's like it gives you a very easy way to spend money you know, (hmm) that’s true


that's true cause you don't feel the pain of it yet right cause credit card is just so easy to like like use anywhere essentially like you know that if you go Amazon also you use like credit card and all that so all these online shopping websites they encourage credit card a lot because like you don't feel the pain of it


yeah,


ah that's true that's true ya like especially also I like from what I've learned in, POA right like they say like if you are starting a business or anything then like using a credit card is like good because you know like, they just like if you can pay off all your bills then the banks will be more willing to to loan you the money ya so that's what I learn from POA at least


that's true or I like as I say if you are like starting a business or anything then we get like the profits then you can use the profits of to like pay off you know the the loan then okay like talking about like credit cards you know it also go to the the topic of like planning the stuff so do you think I should get like


anyone actually should get a DIY or a financial, advisor to plan the their finances


that's true yeah like I agree on the expensive part so or maybe they can also like read up on themselves like watch Youtube tutorials on how and educate themselves more on the finance topic so that they can plan for themselves you know,


no I have no okay actually honestly I have because I have a friend right, who started investing I think he invested on stocks or something and he had like five hundred dollars in his bank account and he invested until he has one point nine k now and I'm like !whoa! that's like like it's a it's think it was a period of like two three months


and there was like you know when he there’s a one point four k like extra amount that he got you know, so like obviously when he told me that it's very tempting and I was like !woo! I should like try but then I feel that with investing especially in stocks and like you know there's this crypto currency and all that things like you should be very well educated lah because it’s a very it's a risk like you can