ah so basically it's about the loss and theft of bicycles so you get your bicycle insured, of course uh, they will have to check do a review on, how err and where


you park your bicycles or, how much security there is so, what do you lock them with stuff like that, ya so how


you mentioned earlier that err you, during you're starting to plan your insurance policies uh any particular approach or any specific way that you, can recommend me at least


I certainly would prefer err approaching a friend a friend that I already have uh and that I already trust, , I think I have a couple of friends doing err, insurance


and so I think for me personally that would be my best, err way, or, or how I would trust err getting my insurance policies done first, uh of course that that's assuming


err I would have to review again and see which friend is most likely to, do it on a long term basis, to do insurance on a long term basis and also, definitely how the person assures me of the products


ah for yourself you mention that err there are agents that have, been working with your family members correct, so I assume this is a over a long period of time to or


I see I see, so, what what do you look out for when buying insurance policy


definitely my point of contact first so err, my agent first, uh that would largely determine my err which, provider I I'm going for, , because uh I I'm honestly not too knowledgeable on on on the insurance so uh I would have to find someone I trust to sell it to me and also to manage my policies


aside from that definitely pricing like you mention so what I can get for the amount of money, and also how, on the plan of course ultimately is also the plan that uh suits my needs


yup, I think, for people around our age uh, definitely the the the minimum the minimum uh insurance policy should be health and accident


I think that should be your first go to coverage, uh, and other stuff comes later of it uh property and stuff like that but definitely your personal health and accident coverage yourself what do you think


ya I I definitely agree with you because uh I feel that especially with a an insurance savings plan you don't have to worry about, where to put your savings in where to put your money in err when like you know everything is planned out for you


I agree so anything specific that you look out for as an insurance agent


you mentioned relationship so definitely relationship uh that's why I prefer to go to err friends that I already know so you know I the relationship is already built or is already there, but yes definitely my relationship with them reliability contact-ability


and also I guess the like you said being genuine trying to help you with, your needs so, just definitely and of course uh at the same time the communication with me and also how clear he is with you know the policies definitely because


I'm not the most knowledgeable as I mentioned, so definitely him explaining it better be the best


, so what what questions would I ask my clients, I think first and foremost they would always ask me personally if I know and if I know what I want to look for


so if I if they if I I already know I think it would be easier for them but of course uh I I've, I've told them before that I'm I'm not very knowledgeable in this topic so they always ask me about my lifestyle


my habits my hobbies my activities, and also the way I work and the way I you know spend uh my average day at least yes for yourself


I see so I mean ultimately do you see insurance as an essential expenditure, ya I agree also definitely very important


I've definitely you know dabbled with the idea but uh I have I have not personally started yet I I looking for a bigger capital to start investing yes


(mmhmm) sorry sorry carry on


I actually am looking at you know uh lower returns but uh over a longer time so ya that's the kind of investment that I am currently interested in


part three negative experience


oh this is a very serious and somber one, you wanna start uh I'll I'll start, k uh describe a time when I felt


trapped or helpless, I think definitely, err having to, serious injuries uh I wouldn't say life threat, threatening but uh I being a the active person


that I am uh I tore my rotator cuff, that is service really


err, took out my ability to do a lot of the things that I enjoyed doing, uh and, I wanted to recover as soon as possible but you know with these things time was of the essence so


I I don't know I I remember feeling very frustrated, uh a lot of times because I couldn't do the things I wanted to do I couldn't even work towards it so it was just a lot of waiting, yourself


(uh huh), I see ya that's quite grey


uh that's very pain, really emotional


I don't I cannot remember, I cannot remember a moment like that, uh unfortunately


ya yourself


I see I see


have you ever been looked down, or looked down upon by people in your life


ya definitely people can definitely be mean, err having people who, who, whether I have myself, looked down upon by people in my life, definitely, plenty of times


I do I do, a lot of it is, unfortunately, err, involves the, your situation


or at least their situation that sometimes you're just born into, , ya and people obviously better in more privilege and better situations err obviously I wouldn't say more


grown but err you know they are the ones who are usually looking down definitely, so yes I have, err be looked down upon, (ppc) usually


uh financial financially because of the financial status, but also I think because I was from an elite school, so when I actually quit eh , which school to you know


get myself err pursue, design, in poly, a lot of the people in my life thought that it was me just not, being able to cope with


err, being in a junior college or anything like that something like that so uh, the next the following couple of years err the following decade actually uh was just them is constantly


reminding me or having the perspective that ah, he's gotta make it he's gotta make it which you know, doesn't affect me most of the time but sometimes it gets, quite a bit annoying ya


they've been leaving leaving school, , did I wish, not


I think it made me the person that I am today I'm an experiences kinda guy so, I'm actually glad I did everything that I did the way I did it also


what about yourself err anything that you wish you could change


ya actually that now that you mention it definitely I think, the thing that I mean, I wouldn't change anything not nor can I, but err, the thing that err, hurts a bit more


would definitely be that I lost time in the process so I'm a fresh graduate now and I'm twenty seven, as compared to my err, you know former schoolmates who are now at least two three years into their careers


so ya that's definitely one, something a bit lighter though err, any popular foods that you dislike, ya [orh] (uh huh) (ppc) (ppc)


just plain mayonnaise or like flavoured mayonnaise or, so no cream creamy mayonnaise flavoured what which which part of it that you hate which part of it that you hate


ah (ppc)


you mean like foods I dislike, uh I guess I'll bring two for you err, lontong is quite big in malay culture


uh laksa is just generally be in singaporean culture, I hate both of them, no that's like I cannot I don't understand, why it's supposed to be good


is it looks it looks creamy, I mean I mean they they both different dishes but it looks very creamy, ya, and not particularly anything else


not particularly spicy also, ya it's just a no go for me, ya so


now is I mean is a pandemic going on err I think a lot of people are anxious err in itself err any particular things that you worry about, (ppc) (ppc) (mmhmm) (ppc) (mmhmm) (uh huh) (uh huh)


err, I guess money , I know it's a bit, err in the grand scheme of things I guess


it would be a bit, of an over simplification to save money, but, ya there's a lot of things to pay for, so I I maybe I didn't mention my parents are separated


and they're both in their hitting the mid sixties, so they both have separate houses, and they're both retirees, so something that I constantly think about is


uh, definitely, how to financially, you know manage, the different two different situations, definitely something I worry about, most times ya (uh huh)


so anyway farzanah uh, do you have any, specific or particular events that made you, furious


just angry (ppc) (ppc)


(uh huh) (uh huh) ya, I see I think but


on what you were saying, having someone, turn out to be, totally off from your expectations and especially not only totally off, but a lot worse, that can really suck uh


ya, for me an event that made me angry, I think I had like a really bad superior in, NS national service


so I had a very bad superior , I think she was mostly biased unfair, , err biased unfair, unjust


even to this day it ticks me off I was just looking at you know, uh a few man, was from national service then, it struck me, I had to deal with this superior, and it's, ah it was the worst time


I don't think I've ever, I don't think something has gotten me consistently mad over, I don't know five years, so uh


I think it was just unfair treatment mostly, uh, and she was relentless and I I don't know whether you know, err, in the army it's a bit of a


err how do I say, just leaders, and, like your immediate superior and their and their superior so they protect, each other as an organization obviously right like other organizations of course but so


when you try to, err, when you as as a national serviceman when you try to rectify the problem you will hit walls, uh some people will be


will straight up tell you you know I'm not gonna listen to you some people will be nice to you but, you know, behind your back they will plot, with, with the with the person in question the person who who's the problem they will plot to you know just


shut you down so, ya I did make, a former complain again but, like I said I think the people in the organization protect each other,


uh I mean for awhile it felt, pretty good to, bring the matter to like cause I think a lot of people weren't aware of err such events but honestly I had a few


uh regular servicemen who actually, secretly maybe thought the same thing about this superior so they were calling me up telling me like eh you know


ya she is really bad so, I had I was quite surprise yourself any moments like that


positive experiences


childhood childhood let's see , I think childhood and my teenage years, I think the best most part memorable part was, definitely playing sports, so that was to me


something that I don't think I can get back playing sports as a student athlete so that was very fun , there was a lot of sweat definitely, I think I had quite a, we've quite a fierce coach so


a bit of tears, err, I played err rugby and, football so definitely some blood, but ya, most of it was very fun laughter we went I I I just remember you know spending my


afternoons going to other schools, playing against other schools and, , that was definitely fun something very fun to do with you know err your friends that you will see for four to six years


ya what about yourself any memorable moments, (ppc)


ya did you try the those ice sticks the flavoured and colored ice sticks, ya those definitely was, a big part of my diet in my primary school days ya


(ppc) , ya somehow the mini mart near my old place was they had it and it was called ice bom boms I don't actually know why


but ya it was funny, any, do you do you have any pets or have had any pets, (ppc) I see I see (ppc) ah


I should do what you do my family's not too keen on having cats as well, so maybe I should just bring one home , but uh I've never had any cats uh the only pet I've actually had was, basically ya it all started one day when my sister brought home


a couple of guppies and mollies, of course like you it was a first time so, unfortunately for the fish but, ya it it quickly grew into a bigger thing I I went from, from a bowl to a


tank and then having two tanks and having different fish set ups and stuff like that it was, it was fun but I think I grew a bit older then quite a bother but also


definitely one of the memories I have is cleaning the tank, so that was that was one of the reasons why I stopped having fishes ya, (ppc)


ya definitely I have friends err I think it's a rising, uh popularity, a hobby there's you know rising in popularity right now is seems like a lot of work, ya, so aside from pets err what are the


any dreams and goals that you wish to achieve, (ppc) (mmhmm) (mmhmm)


uh no sorry err any specific or the top three or top five destinations because I'm quite curious now, (ppc) (mmhmm) I see


I'm a, let's do everything, before, I die kind of person so, err like mostly at least err so but in terms of traveling definitely, I mean I think the COVID nineteen


pandemic has actually brought light to how much I have not travelled recently, but I think as for traveling I'm more of a an experiences guy so, activities definitely uh ya so


like I said I cycle a lot and recently I've been I've picked up mountain biking, so one of the must dos to me is definitely err to do mountain biking in another country ya some


somewhere with you know better trails, actual mountains because there are no mountains here the trails are, pretty eh after awhile so ya ya definitely that that's that's one of the things I hoping to do in the next


few years ya, so any you were talking about your childhood any favourite childhood


snacks , (uh huh) (uh huh) (uh huh) (uh huh)


oh my god,


and instead ya that's that's pretty tragic, uh favourite snacks, definitely something sugar filled err I think I have a few from different stages in life, my earliest memory of a very iconic snack that


I think only recently in the, past few years came back, is the PEZ you know PEZ sticks with the the funny looking heads, ya so I had those, as like a very young kid but I remember them, disappearing for a bit


ya and then they recently, made a comeback ah I've I haven't gotten a chance to get one maybe I should get a few uh ya but ya definitely chupa chups err


I think one the about one or two that stayed was werther's original I've always enjoyed that and also, you know like the there's this candy that that's it's like a christmas candy so it's like a white cream thing with a red


ya it looks it looks like yes yes yes yes correct it looks like the christmas stick thing ya so that was ya ya definitely that that one stayed throughout


ya, so yes, , just curious what would be your perfect day, ya (uh huh)


, I see


that would be also very tempting, when you were describing it I was very tempted to say ya that's my perfect day too, but I think in terms of like having like one day in a very long time I would prefer something where


, I would have to do more things so, I think a perfect day would also be spend in on an island or on the beach, but uh more, cliff diving snorkeling


, hanging out on a boat, err fishing on a boat, just jumping off boats into the sea ya that kind of that kind of thing ya that's definitely that will definitely be a uh good day for me but of course the waters


in this picture is pristine and blue and very clear and stuff like that, ya


adventure, so adventure and trying out new things experiencing new things, so coincidentally I think


spending time outdoors uh gives me these different things uh different new thing so definitely that is, err one of the things that I enjoy what about you


I see I see, , what what are you, I mean when you mention that err luckily for us we we have pretty nice beaches, uh at least


if not in singapore at least nearby thailand malaysia, so very thankful for those beaches anything anything like ah this might be unrelated by err anything that you're thankful for in life just curious


ya recently I understand what you are err talking about about err jobs I recently went on a job hunt, err but yes I finally landed one so, I am also very thankful for that job uh aside from that definitely


this shelter, I think it's I think living is, singapore it can sometimes be something, we gloss over very fast but err ya in the past few years I have been moving around uh different houses


so to finally have one where I can you know settle in or should I say nest in, that's certainly something that is very underrated, err I think aside from that err, also close friends family ya


definitely very thankful, I suddenly have a very random question, what would be oh sorry what was your best birthday present and why


(uh huh), (ppc) (uh huh) (uh huh) (ppc) (ppc)


(mmhmm) you seem to be a birthday person ah ya I am not, I guess I'm not really a birthday person, at least in the last, fifth ten to fifteen years ten years actually, so definitely my most memorable at least birthday present for me was


being a kid when birthdays actually excited me quite a lot so I think one of the birthdays I was I've practically been, begging my parents for a skate scooter I think that was the first wave of skate scooters, err


and I came home from school one day and there there it was, so, ya definitely things like this stick with you you know, ya correct, it was a blue scooter I think I had I had it for years actually I spent I I had it till I was


in my late teens, I think I even tried using it in my late teens to you know move around the neighbourhood, , ya that was a quite a funny sight to see, ya ya


ya (ppl) definitely


part one finance


so <p1>ahmad<p1> do you have any uh do you have insurance of your own,


ya I personally don't have personal insurance, but I've been looking into just what works best but as for now nothing has been set yet, but in terms of like the endowment plan I do have one so from uh I'm still very new at this so I've had it for about two to three years


and I'm using manulife so with my experience with my financial advisor he's been really wonderful he's been really helpful but as for now I know that it's just the basic type of endowment plan


what about you


oh, for personal insurance what I'm looking into is something basic that just covers if like for hospitalization if anything cause


I personally feel it's, like these sort of things are very unpredictable so it's best to just cover in case just for safety


no none at the moment ya I'm still trying to, find like just what works best and, which which , insurance best suits for me right now then I can move on to like just I just need something basic at the moment


(uh huh), (uh huh) okay


(mmhmm) okay


, I would say as, for now about, ten ten to (ppc) sorry ten to twenty per cent ya just to spend on insurance at the moment just something that covers the basic coverage and everything what about yourself


(uh huh)


currently I'm just I prefer like from , my like friends and family's personal experiences with insurance so I usually tend to always ask what sort of who their agent is and see how their experience is so at least I can get knowledge and I I personally feel like building


a relationship first with especially an insurance agent as especially, important ya so right now I'm just in between just seeing who has been really who has been really like helpful and just trying to see if they work best with me also


(uh huh) so, (uh huh)


ya ya, , (uh huh) ya it


ya I I definitely agree with that part it's just easier like to just go to one place and have everything covered instead of having to liase with multiple companies and multiple partners


ya ya definitely


at the moment uh none now but soon as , like once travelling is okay and everything definitely I will be looking to travel insurance because I have had some people tell me like when they're out traveling like something happens so it's it's always very lucky that they get travel insurance


covered because it's just especially when you're in a different country and everything ya it's a very tricky area, (uh huh) ya


ya ya just ah small details like that, (uh huh) so what do you think about the


your CPF insurance coverage do you think it's currently enough, (uh huh)


ya, so I also agree with that I definitely think that , can definitely be extended because it only covers just like a small portion and especially for in terms of any


unfortunate accidents sometimes a small portion that covers it will not be enough depending on the extent of the injury or accident so I definitely think that the coverage can be bigger


(uh huh), oh (uh huh), (uh huh)


(uh huh), can you share more about the different policies that they cover for bicycles, (uh huh)


(uh huh) oh


I see, (uh huh)


ya uh as for now I would definitely approach an agent you know from because there's been a couple of agents that I'm familiar of that my friends and family have been using ya so I would definitely


approach him and definitely just have a chat and, you know have him explain you know what works best what covers for me now and just, gain more understanding ya what about yourself do you have any plans to approach anyone


(uh huh) (uh huh) (uh huh)


(uh huh)


ya (uh huh), ya


oh ya ya , err from, what I've known they've worked with him for I wouldn't say a long time but maybe a couple of years but for every uh for every time they've reached out, to him he's been very pleasant you know so I feel like that's very important because over the years of course trust has been built


and a proper relationship has been formed so since, he's been very highly recommended I of course would tend to trust him more, (uh huh)


as for now I would say just in terms of pricing also and what I can get the most out of the plan cause as for now since I'm still a bit


again uh of course jumping into something big just like paying a huge amount for insurance might come, might be like oh I don't think, it's you know instead important right now ya because especially insurance is it


goes on for years it's not just like a couple of months you just tend to pay for it ya so definitely I would say in terms of pricing and how much I can get out of the plan is very important to me right now what about yourself


(uh huh) (uh huh)


right right (mmhmm) ya, ya


so what kind of insurance do you think is essential for you right now


(uh huh), ya definitely health and in terms of like accident coverage but also in terms of like savings plans you know like currently at a as a young adult I do think it's really important to just have that in motion so at least you can put it aside


and then as you get older you know that there's something just in place instead of starting at a later age where the benefits come at a much later time so ya I feel like in terms of savings plan and insurance savings plan it's good to start right now


ya ya ya ya definitely (hmm)


I would say in terms of being genuine of course cause unfortunately a lot of , people's experiences with insurance agents tend to be like they can be very pushy you know so I feel like in terms of being genuine and forming that relationship and trust


it's very important to me what about yourself, (uh huh), ya (uh huh)


(uh huh), ya (uh huh)


right so since you mention to your friends uh some of them are you know work in insurance can you share the type of questions they usually ask you when you first approach them in terms of insurance coverage and what would you ask if you were an insurance agent


ya and what questions have your friends in insurance asked you


ya I would definitely agree in terms of lifestyle, and what like the client is looking for uh is very important because there's so many different insurance policies so definitely in terms of when you get to know more about the


person's lifestyle you can see which sort of plan covers the best and just getting to know what how much they are okay with ya in terms of pricing also so you can best


find the best plan for them also, ya definitely ya


so are you familiar with investing in terms of investing any sort of, money uh, (uh huh)


, ya I definitely I can agree because when you hear investing you just think oh you just have to invest such a huge amount of money ya so it's definitely still a very daunting topic for me which I sorry


which I I I feel like research really comes in you have to do a lot of research because you cannot just follow what everyone is investing because it might not be for yourself ya what what about you


right right


part three negative experience, (mmhmm) can you share ya ya


(uh huh)


(uh huh) (uh huh) (uh huh)


I would say from, my most recent experience would definitely be the, pandemic and being a fresh graduate you know like I've I was just applying to hundreds of applications and you know not getting a call back definitely made me feel very helpless because there were a lot of job cuts and everything


so you know like, being a fresh grad from uni you feel like you went through hell in uni for years so having to get out and there be a, pandemic and ruining your chances you know of getting a stable job you know


so definitely I just remember being very like, helpless for almost like six seven months because there was just six seven months of no promise of things working out, ya


so ya, definitely so, ya, so what about you can you share about a time that just, makes you really emotional


ya they almost like tears of sorrow, (uh huh)


definitely of course I've had my, experience of losing loved ones so definitely it's always an unfortunate thing, when that happens so, especially with grief and everything it time


doesn't heal all wounds so it's a, it's a very tricky thing I feel so for me personally, I tend to , I tend to


always I'm a very emotional person ya so definitely it it works it's very different for me like I handle grief and sorrow differently so, definitely I mean hopefully in the future you know I will find better ways


to cope but as for now it is it's still a work in progress, (uh huh)


ah I would say people in my life , there were some people you know like I feel like with whatever you do not everyone is going to agree with your with the choices you were making so definitely they there were some instances where


what I chose to like my career path and everything it was definitely like oh why did you choose this you could have done so much better, ya and apart from that there were some


incidents where you don't click with everyone you see so ya ya unfortunately there were times when, I just ya you know people can be mean sometimes what about you


(uh huh) (uh huh), (uh huh)


(uh huh), (uh huh)


ya I mean that's really unfortunate you know because these sort of things not it's definitely your life so I feel like


you have the choice you make the choices you make you know, so looking back at it do you think do you wish you could have changed the situation or do you think you can have changed any part of it


ya in any of the times that they looked eh anyone looked down on you


uh, I just wish because I extended a year in poly so looking back at it I wish I could have just really pushed myself because instead of


going through four I could have done three and things could have I would have been in a different place now so looking back at it I definitely wish you know ya I would have done things differently, (uh huh)


ya ya (uh huh)


(uh huh), where do I start the first thing that comes to mind is mayonnaise


I hate hate mayonnaise it's really, I just don't like the look of it the texture and the taste ya so ya one of the things would be mayonnaise what about you


any kind if I can taste like a mayonnaise flavor it's a no from me


just I think the, like it looks like cream so I associate when it looks like cream it's supposed to be sweet but it's tangy, so I I get ya like I


don't like the mixture of things ya so if one thing looks like a certain thing it has to taste that way so I feel the same way about mayonnaise what about you, ya


(uh huh) (uh huh) (uh huh) ya,


ya it's cream base like coconut milk like they have that coconut milk, ya


right right ya ya it's quite surprising ya those two popular things, that you don't like, (uh huh) (uh huh)


definitely first thing that came to mind was am I doing what I want to be doing, you know ya just that sort of every like everyone has that constant


worry and constant question because like you mention just now, time when you lose time it's impossible to get it back so ya definitely I'm always worrying if, I'm doing the if I made the right decision you know to choose this career path or like this particular position you know ya definitely it's one thing I'm constantly worrying about because I definitely don't want to lose any more time


what about you is there something that you're always worrying about, (uh huh)


(uh huh) (uh huh), (uh huh) (uh huh)


ya ya


definitely I mean it's always unfortunate you know especially with old age and everything and just the circumstances right now, ya (uh huh)


uh, definitely it's very I cannot think of one particular thing right now


but , just when things I feel like in terms of these things there was this one time where


the other party err, did not like follow just did not exceed my expectations of them, like in terms of I thought that person would turn out a different way and then it just you know people are unpredictable


so it just happened to ya definitely made me really furious because I feel like when when trust has been broken its almost impossible, you know to mend that relationship back ya


ya so ya ya definitely like I feel like it can also linked to a time where you know things didn't meet my expectations, ya what about what about you has there been one event that just makes you made you really mad


(uh huh)


(uh huh) (uh huh)


right right I was just about to ask if you ever got revenge you know , (uh huh)


I would say no in terms of revenge unfortunately no


positive experiences


so can you share if you , of any memorable moments you have, from your childhood, (uh huh)


(uh huh) (uh huh), (uh huh)


oh, the first thing that stood out to me was definitely just constantly begging my grandma to bring me and my brother and cousins to the playground


ya so whenever I think of the playground there used to be a mama shop under my area ya so definitely after every play session we would just run, into the mama shop all sweaty and stinky little kids and then just buy ice cream and


ya definitely when I think of childhood definitely mama shop you know I feel like it's just a singaporean staple you know to just have a like your favourite mama shop you know at under your block or just somewhere around ya so definitely just


just being amazed at the amount of things he would have in the store and as a kid you would you just think it's the best place in the world ya so definitely that's a very like memorable time in my life


ya ya of course ya , ya ya definitely ya because like they're called icy pops or something like that ya and then it will be a just a couple of cents and we would always have them in the freezer


uh


I have had pets my entire life so my first my first pet that I can remember was just you know like normal guppies, like fishes but of course as a kid you din know how to take care of them so sadly they never


lasted quite awhile but we'll always have like random fishes in the house and then we moved on to terrapins and then moved on to bigger things cats right now ya so I feel like


with three cats at home so it's like a zoo , ya especially ya cause my like, my family has never they love cats but they never wanted to take care of them so I was the one who kept pestering and finally brought one home and now we have three and I cannot really name sorry name like a particular fond memory


cause I feel like, if uh if you have like, pets it's you you have way too much memories then what about you do you have any current pets or previous pets, (uh huh)


, (uh huh)


ya, yup


ya I feel like people think fishes are very easy pets but they very high maintenance in terms of, water temperature like the PH level you know like you have to get the system for everything I feel like they're definitely a very high maintenance pet


ya (uh huh)


as for now I have always loved traveling so I definitely have, a


list of places I want to travel to, you know but, because of the current circumstances be put on hold, ya but definitely in terms of


goals I'll, definitely want would want to just travel and like, in terms of dreams I would say being able to travel without a care would be a dream of me


like definitely like, just being okay with going to one place to one place to one place what about you


I would say I don't have like I they're not in order but definitely, paris definitely new zealand , I like more scenic places so like iceland and


like spain and in terms of ya architecture and just visiting like historic uh places like the ya, like just I really admire really beautiful like architecture and like scenic places so definitely those are what I can think right now what about you


(uh huh) uh, (uh huh) (uh huh)


, I see very interesting


there's a lot but one I cannot think of the name right now but


it's like a milk candy then it has it's it comes in a really small packet so they have like different flavors but from what I remembered chocolate was my favourite and they would have like two cartoon cows is it


I can't I can't remember the name is it dumb dumb dumb dumb I cannot remember the name right now but I remembered, at the start of circuit breaker I just had a craving for them and I just went on, ebay shopee like any website you can think of to find that candy and I even messaged the one of the website owners of like the nineties candy stores and she told me that the the factory closed down and I think that was just very devastating


to me ya especially like with circuit breaker like of I think everyone uh was shopping online and everything so I just had to look for everything online and it was just, really heartbreaking to me that they stopped production and I wasn't even notified I didn't even know ya what about you


ya, (uh huh)


oh yes, (uh huh) ya, (uh huh)


is it like the strawberry and cream, candy ya ya ya that one is really good,


my perfect day is to be at the beach just just, enjoying the wind the sun and just the waves ah feels so nice to think about it right now


, yup just at the beach no touching of phones no work, no nothing ya just enjoying the warmth of the sun and the waves crashing what about you


(uh huh), (uh huh)


yup


definitely, so I feel like you're such a like sporty person is that what you love about life, (uh huh)


(hmm) what I love about life, I, the first thing that came to me was just peace you know which I always associate with the beach also so


definitely just just the simple things you know just having just walking on sand and you know just feeling the sand on your toes, ya it's making me really happy, ya the cat (uh huh)


(uh huh)


currently I'm just thankful to have a job in the current climate you know because I feel like that's such a


, that's it's it's unfortunately not like a lot of people they don't have that , they're not as lucky you know so for as for now I'm definitely thankful to just you know have a job and just you know be able to provide what about you


(uh huh) ya, (uh huh)


(uh huh), ya (uh huh)


(uh huh), my best birthday present I wouldn't call it like a


present but it was more of the experience you know I would say just a couple of years ago like uh, I was going through quite a rough time but fortunately I was surrounded by really good people you know like


I still am so definitely the experience they made my birthday was just I feel like, it just you know even my , colleagues and everything they had a separate party for me and it was a complete surprise, and I feel like up till now it's still I still think about it because even though I was going through such a bad time like just the whole experience like I just forgot about everything else for a couple of days and just really you know enjoyed being in the moment you know what about you


ya, (uh huh) (uh huh)


oh ya ya


ya,


it was really sweet of them to surprise you with what you wanted


part one finance


okay, so, okay so what's your investment strategy, do you invest your money, okay I think like for me


learning in school really help a lot so I you'll be learned a lot about how to research equities to research funds and ETF also so if maybe you looking for something that is passive then you can consider ETFs


ya which is exchange traded funds uh not okay so there's there's three different kind of like products right or, ya that's I equities bonds and there's also ETFs so eat ETF is usually just a mixture of equities and bonds and it already makes up a portfolio


so it depends on like what you are looking for, ya and then you just buy an ETF because they are already uh, sort of diversified in a way like it doesn't mix and match already so it's sort of passive you can just put your money there you don't have to like


uh touch it every now and then at the end of the period then you will like sell your your investment


ya you don't have to research as much you just have to do like uh one of uh kind of research on the the ETF the portfolio then you just put your money there and then uh, and then you just you just leave it there and you just check every now and then to see like whether you make money or not


ya ya, but if you plan to invest how long would you want to invest for


I did like a few months ago but trading isn't really my thing lah trading is of course like high high rewards but also high risk but like when it comes to risk appetite when it comes to investing and trading I rather just


have a very much more passive stance on it ah rather than, active because if you if I'm trading every other day the us market in singapore only like singapore time only opens at nine thirty PM closes at eh nine thirty PM


and, closes at four AM so it can you imagine like if you start working, and ya but, ya but for me like I'm more of a I don't want like high risk high high reward kind of thing because like


even though, uh high reward that means there's a limitless upside right but there's also if there's high risk that means your your downside is also a lot so let's say you invest a thousand dollars and this stock has a record of going down to up to forty per cent in like one week or something like that


then that means you are losing like four hundred dollars in just one week of your thousand dollars, and like the upside can only be like what twenty thirty per cent, ya so I'm not I'm not even though like I took, my tests for a few uh platforms right


they say I'm very risk adventurous so maybe I like risk, but uh, just need to learn how to manage that risk lah how about you


I think it's a good idea because like there is a problem that a lot of fintech companies nowadays are facing, so like uh the stashaway right, stashaway crystal AI and a lot of other those robo advisory nowadays that wants to like


(ppc), take information or take data from the current market to just help you invest your money but I think, like it there that's why a lot of fintech companies are working towards today but they have trouble lah let's say like your fintech companies still need people at the end of the day


ya, so the time I tried this uh I tried two different platforms like uh, stashaway and crystal dot AI, uh I think like the automation was going great until COVID happen


cause when COVID happen, uh they don't really tell you like eh your, your (ppc), I mean is automated right so they don't tell you like eh your money is like uh going to go down, ya you did you want to, do you want to take your money out because there is currently like COVID happening and


the market general market is down, so it's like, okay like you say , that I lost money lah I lost up to twenty five percent of my portfolio because I set it to uh high risk uh portfolio, then


a a few months later I just took the money out because it didn't show any signs of recovery even though the market was recovering lah, and, (ppc) then I shifted over to this other platform, called crystal dot AI then I eh managed to


they are actually allow you to choose what you want to put your money in, at that point in time because everyone is staying home right then tech, and, sustainable energy was a very big thing because if you want to stay home energy usage go up and then people also using tech so I started researching stocks like netflix uh stocks they're investing on our ETFs that invest in tech ETFs that invest in green energy


so that that was my, that was my take on like a passive uh investment lah which was a good experience for one platform and not the other, ya ya ya


I think think soft for I mean back then I was starting to do trading which was, during my summer break, by three months I'm on break so I did like a bit of uh, medal trading so I stayed up from nine thirty to four AM


everyday for like, uh one whole month, so I was switching very heavily on like oil, uh back then oil was like having huge price fluctuation because flights were being banned right, and then I also research on netflix


so, he buy low sell high if it's not always uh, it is a good investment strategy but I mean sometimes when there's a opportunity for you to, uh take advantage of the situation then you should lah like when people heard that oil was going to


not be in demand anymore than that means that, the price of oil was going to go down, because supply is uh there's too much supply in the market right, so, that's a time for you to actually sell high, and buy low


ya so there's the shorting strategy and I think a lot of people actually make money, from shorting the, the oil market, and a commodities market so, buy low sell high is a good investment strategy also but you just have to pick the right stop


ya ya, what what do you think about that though, ya


but do you think like investing or trading is similar to like gambling


I think it depends on what, uh investing obviously is not gambling but trading depends on what you are trading on, ya like let's say you are trading, a stock just because you get a good feeling that it's going go up or down without doing research and that's taking a gamble


or like what some people do they hear that, oh I heard that netflix is going to go up uh from my other friends, it's also gambling because you are, you are not doing your own research and you are just doing like hearsay but the ya


but I think the most, uh what what a lot of people are doing nowadays a lot of youngsters are actually doing nowadays they are trading uh foreign exchange because nowadays you see a lot of people like tik tok or instagram saying that they are trading currency right and then they are making a lot of money on it right


but, currency is actually one of the most volatile markets to invest in lah you will probably lose a lot of money before you actually uh start to gain money, ya, I mean all those people who are actually earning money now right because it's on the upward trend


uh, there's a lot more probably a lot more not okay not a lot more, the trading there's actually like lesser trading now so currencies are fluctuating even more there's no stability in the economy that's why currencies are fluctuating, and also there's also the trade war


happening now right so that's the reason why currencies are getting uh, fluctuations but, actually if you if you read online also a lot of those like banker said uh institutional investors right


they actually lose a lot more money in trading currency before they actually start to gain money of uh trading currency so all those youngsters they are probably like, they probably have like, they probably operate on luck lah then it's like it's not necessarily or like skill or anything like that because whatever they are doing is just technical analysis and not fundamental analysis funnel like enter analysis we look at like


the actual numbers and all but technical analysis you just look at the craft he see that it's going to go on a upward trend then you start investing that's technical analysis, ya ya ya


so a lot of them are like creating, what telegram groups to help people invest their money uh they, send messages you should buy this and that currency pair at how much then sell at how much but


I don't think is like uh I don't think youngsters should be going into, currency trading lah ya and, have you ever heard of like options they are usually like, uh they say options are


worth looking at lah for new cash track investors, ya, but do you agree like ya, ya


ya I mean you have to really know your, because options can go up to like twenty plus per cent per day, ya so let's say your stock goes up by three per cent right, uh it depends on how much at three per cent is lah


so how how it works is that let's say I buy a stock option for a stock that currently cost ten dollars I buy a stock option for like fifteen dollars, or like let's say twelve dollars eh, then the, if the price of the stock goes up to thirteen dollars


then uh I can, use my exercise lah option to buy at, twelve dollars, so straight and then once I get a stock at twelve dollars right you can straight away sell it on the market for thirteen dollars that way I make a profit instantly


ya (ppc) okay ya


I think I will invest on my own do my own research at least that we are comfortable with what, I'm doing so, you have to have a interest like for you what's your interests like which industry you can be like gaming, maybe


ya then you can look like because you know the gaming industry right, then you can research on stocks that are within the gaming industry like for me I'm interested in like green energy, so, then I can research on stocks in the green energy sector because I'm kept up with the news like for you you may be kept up with the news in like gaming market


so you need ya ya ya


I mean for financial advisers they are mostly in insurance lah so there's different, so if like you go to a private banker then he will probably tell you ask you like or wealth manager he'll ask you like what you interested in, what's your risk appetite like what's your investment horizon all that kind of stuff


so ya that's why like, rather invest or your own rather than a financial adviser


part three negative experience, uh how to say what's your biggest pet peeve or what annoys you the most


uh that's that's really very I think that annoys me also, ya, ya I don't like it like , that's already so many like if there's going to be a problem already if you like continue helping on it then it won't make a problem better you just kind of make it worse and then like and ends up


you'll just argue most of the time instead of like actually being productive, ya ya


don't need to like rub salt into the wound over and over again, ya, I think another thing that, uh is my biggest pet peeve is when, people cannot take in, people have trouble communicating and they cannot take in like feedback


ya, so sometimes like when you are doing a project work or you are doing some kind of a school event right, then people don't communicate properly even though, you already tell them beforehand like what is needed


then, ya and they don't listen and or they don't really communicate what they need very clearly then only at the last minute, when everything is supposed to be plan nicely supposed to be smooth sailing then they raised all their problems and then at the end of the day


the event just won't go as smoothly as it was planned to be lah, because, the problems that could have been avoided were not uh attended to, then another thing also it's like, when you give feedback or you give constructive feedback to someone right


and then they don't take it seriously, or they are they are they either don't take it seriously or they just, err be very defensive about it, like, ya if you get what you mean lah, I mean do you don't have to ya


don't have to be so defensive when people give you constructive feedback because, I mean it's feedback so that it can make you better right like if for me if I was doing anything not perfectly I even if I was doing something


good, and doing something well I will still want feedback because I would want to know like how we can make it better but I think a lot of singaporeans have this problem where they get really defensive about it or they take like, only my way works uh it's only black or white there's no like grey area for me to function in


ya, just very annoying lah like when they get really defensive, then my side I don't say anything to you, ya


then have you, can you describe what you dislike about the younger and older generation, ya


think like process similar to you like you're the older generation always try to, say like oh last time I had it hard I had it like difficult, uh not like you guys now you all have it simple, but, uh ya lah I don't like times have changed things are more comfortable now


and we're also, trying to like at least for for me and I'm trying to make, my parents live even easier by studying hard so that when they are older they don't really have to work I just like give them money and take care of them when they are older but


ya lah like a lot of the older generation they like to look down on us, but I think what I dislike more is the younger generation nowadays like they are, reaching a point where they are too pampered too reliant on like social media forms like self assurance


that's not a good thing lah like it's a, it should be confident with, uh yourself even, even off the phone screen, ya I don't like like the younger generation now have this like very ah


okay boomer mindset !hey! I think you should still respect, you're elderly, because like they are coming from a point where, they actually built up this whatever you are having now, so without them you are nothing like you like you literally don't exist or is literally won't have the comfort of your life because of the older generation


ya and just feel like the younger generation are really very rude lah nowadays, very very exclusive very like act cool kind of vibes very instagram generation, like if I take away instagram you guys are literally going to suffocate and die


going to suffocate and die, without, ah instagram more than you will suffocate and die without hair, instagram is like air for them ya, have you like I want to ask a question have you ever


went on a, travel experience that was actually turned out to be bad or that it was the worst experience of your life, ah


then after that you like happy that you, whenever you go ah that's like the only happy time for you, !wah! sounds bad


my worst travel experience it was when I went to, think like is if you have to compare I have to rank last is not necessarily dover's or it's not necessarily bad, but it's just last on my list would be my trip to Bali with my friends for the first time


ya, being cause one thing was that it was our first trip as friends together, so, that there's a record right like first trip go with friends and then, uh we went to Bali, first thing we never really plan properly like what like what we wanted to do


so everyday or you just like walking around aimlessly sometime we walk around the same place like on like two, uh two days same place all over again, and then like uh I mean the the


the villa that we work was nice, just that, a lot of weird stuff happened during the experience lah, so it was like a three room villa right so when the weird thing happen all of us just slept together inside one room together just so like


we, we're not scared lah ya, like we we paid like hundred plus dollars a day for the entire villa but we end up using only one room that was quite a, a waste of money but at least it was at least it was safe lah


ya and, then I mean we we all had like a, good time just walking around but, uh it was just that lor like I would have wanted my trip to be, involving more activities


or more fun activities or like explore the entire Bali just instead of like the touristy kind of places, ya, what what is the worst traumatic incident you've ever experienced in your life


like it left a scar on you, if for me traumatic incident lah


uh, or maybe when I was driving, uh and, because I'm a very safe driver right, so, there's a lot there was a lot of times you can like, uh bikers or maybe even like drivers they just like swoop in in front of you


like and, and they are like, uh they signal they are on the other lane like let's say they are on the left right they were I'm on the right they want to go on the right lane, then, they signal at the very last minute


and then at that point in time like I will just pass my, uh driving license lah so I was a very excited drove very fast ya then, there's this one time where a a lorry just like swoop in right in front of me


ya and there was a traumatic lah like it's I almost died, ya but lucky like my foot was on the brake so, I stop jam break and the lorry just when pass


and I was damn angry lah, super angry at the the driver and like I could see like the driver was uh was not local he was like a, those kind of like driving the company event, uh kind of thing


ya then ever since then I never really like whenever I see a lorry on the highway right, I'll move like two lanes away from it, uh like just not be anywhere near them, ya


that's why it's traumatic lah because it left a scar on me and never wanted to be anywhere near big vehicles when I drive, how about you


that sounds painful is that, my greatest fear ah like uh greatest fear is


probably, like in terms of uh, my life lah is, ending up doing a job that, I don't like, ya or actually not being able to


uh do what I'm actually passionate about because like I think, for me uh finding a job that has purpose and also, uh, is fairly is something that, I want to achieve lah in my life


I don't want to end up like doing, the same thing or something that is boring, uh for the rest of my life, ya I want to make at least like have a sense of achievement, whenever I constantly where I work so like it has to offer me like promotions along the way


ah yes you offer me career progression and also like, the, being able to learn on the job lah instead of like doing the same thing for like the next thirty years or something, ya that's my that's my greatest fear I guess how about you


ya I think it's really, true ya of like, you no one wants to go through anything alone I get also, ya it's really, Iike even for introverts right even though they like being alone some of them lah at least for me like I have to have my days


uh alone, but sundays I really need to be around friends has to chill out ya


part two positive experience, okay so we can start


uh small things that make me smile when, I finally get to eat my lunch in in my busy schedule or get to eat my dinner, ya, or when I'm upset right and then I see like uh little kids or like babies and then they smile at me


those things make me smile, how about you ya that's nice then


have you ever made a sacrifice, uh like, what what other sacrifices you have made that are worth everything, but is it cause


is it cause you are playing competitively let's say like if it's very stressful


it is always lingering in your brain lah like


I think for me, like in I'm currently like my school club right, so, I think before COVID happened we were doing a lot of those like uh drives to give out free food to students, and free staff to sudan right


I think like before, that extra day, and because this was before COVID happen, it was actually a physical event so, you actually gave up ah, personally to the people that were there during the event


but, like we had to make a lot of sacrifice lah at that point in time it was a very busy week I think like project submissions and what not right, and then we also had to do like a lot of packing the day beforehand and then on the day itself, had to sacrifice the entire week lah like basically I was lagging behind in terms of


whatever lectures was going on for that week, but I think on that day itself when we saw like the students smiling and happy with their, so called ya I mean it's just food right but then the free food, made them so happy then they just like came up to us say eh thank you so much for everything


and then they really uh, !hey! they they personally thank you and then after, after the event like some of my friends they got instagram they say like eh good job onto the blah blah blah then it was really worth it lah at least I know like my effort wasn't for


for nothing, then I think also like ya, my with my community also, like, we always are when when it comes to this type of thing sacrificing time we all very angsty all the time, but after that after the whole event when you pick up there we eat together like all sixteen of us eat together then we laugh


make stupid jokes and all that kind of stuff there is like, it's very fun lah ya how about like, have you ever, uh what's the best movie you've ever seen


and what do you like about it


they some somewhat similar to yours like uh, what movies they said, uh inception I think the the movie is inception right, so it's about, uh this guy who keeps going into his dreams


and inside his dream his wife is still alive right so it's somewhat similar to your concept like, you're trying to go back to the past and change things or try to relive a moment that was in the past right, but I think the entire, process of life is


uh, that happiness is temporarily something that is always there all the time, like you don't reach happiness, uh, like let's say you are twenty years old so you don't reach happiness at the age of like twenty three and then he's going to be happy all the way until you die it's going to be like uh


a series of happiness and a series of struggles, and the series of struggles is always going to be, more than the series of happiness, like have you ever say all those movies right, that, ends up with a happy ending right


and then you wander like or after that right I wonder how their life is going to be like is it going to be like happy all the way, or he's like you got to be like some kind of struggles or the take struggle that they're going to face, ya ya always wonder ya uh then


do you have like a, best friend or partner and what are the three things that you have in common with them


uh tell tell me about her


okay so I just ask about your partner ah like, uh, like how how do you guys meet, the first time


oh in like upper secondary or lower secondary, oh okay, so you guys for your classmates and then you guys got met again after, oh oh


how how did that have actually uh catch up with you again, or like instagram or you guys like met up again


okay that's nice, oh my partner is also from my secondary school, and she's uh actually one year younger


ya and we, we actually like didn't talk much in secondary school right we actually, started talking again through because of a mutual friend and I happen to see her one day right, ya then afterwards, afterwards we we started going out lah ya


the three things that we have in common is that, we like lord of the rings and, we have a very simple, uh schedule because we are both introverts, so we rather just even if he spend time together like we don't mind spending the time at home just chilling


ya, and three things or last thing is that she's also studying in the same university as me, ya, ya what about one place that you love to visit and why maybe it can be a like a country


or just a place in singapore


sounds like happy place, but I mean you can't go there now right cause it's COVID, he like at least big big group of like ten to twelve


I think I only went there uh once it's this place in east village


ya and there's this one friend that always wants to go there, then he say like uh friday I forgot the name of that place then he like uh friday at this place, ya, then he always craze to the lah for some reason like I don't know why it's kind of weird I don't like I mean the place is nice lah it's quite chill


but, wherever we go there we just end up like going back to our usual spot, which is near our secondary school or opposite our school, then we just uh, ya we just go there, we just go there chill talk about life


and because our secondary school is like right opposite then we end up talking about the times in, secondary school, because we are all from the same secondary school, ya, so it was quite it's quite uh although I haven't been


back uh there in quite a while ah actually met them in a while right because of school, ya very busy, then there's a lot of problems also in in like high school class so I haven't had time to actually meet them, ya


I I think I would sometime soon, ya best meal


oh the best meal I ever had, I think it was on my birthday this year, uh, my partner actually brought me to this place that, had like a good steak, so


she and she always wanted to do, bring me there and it's quite like a pricey place to go, ya, so they had like really really good steak, uh but I think, another place that will actually beat that was two years ago birthday it was a buffet is this place called ah


colony, and it's at a hotel, ya so they had like uh seafood there, they're like oysters or that kind of stuff and it's like free flow and I love seafood so, I was very happy that I got to go like my partner brought me there for birthday dinner also


ya, maybe you should try it sometime lah like they have like, a huge variety, they have like space are specially for like sushi specially for seafood, and then like a huge space just for like cakes and all that kind of stuff, ya how about you oh that's nice


wasn't it like expensive, !wah! for for one person


I guess it depends on it's just that experience lah like you paying for or like you went up to the to the mountain cause it's japan also, they they over overdo everything lah which is a good thing


ya I think COVID ya it's nice I think Kobe beef usually the best lah like out of all the beef that is out there you won't get it in singapore even if you can get like those from like don don donki uh


it's not as fresh as the japanese one, every other day ah


because you actually have to like grow it there's a specific uh, gene like your family gene of course that can actually produce like the marbling that Kobe beef produce, so I guess that's why that's why it's like very expensive


you actually like have to get like licensing and like certificates just to to uh raise Kobe Kobe cows


part one finance kay ah Farit do you want to start


ah, honestly for now or I I haven't started investing but I probably read up on it, and, I mean once I have the capital I'll probably start investing in terms of, uh


more more more on the passive income ya , what about you (mmhmm)


uh, alright you mean is it the foreign currency ya, you know (hmm)


(mmhmm)


oh so so technically I don't really you know as ya some instances whereby you have to like everyday everyday you have to check on the stock market so in a way ETFs are relatively uh less time consuming


you know , ah


right, I honestly think I would invest for I think I honestly long term or not I don't I don't I don't think I will be relying on it for like


uh like as a main source of income I think it's more of a more more of a side side thing I guess, ya, I probably I would say the timeline is about twenty to thirty years stand out


I think that it's okay for me I wouldn't mind waiting for quite some time so ya, do you have do you do trading though, or no


oh,


(ppc), uh ya and then you have schools also then it's true that's true


ya


, I think personally I I I would I I wouldn't say I'm a high risk investors also I think I'll probably I I mean I will probably spend I won't I won't


I won't spend too excessive thing on stock thing lah you know uh, uh ya I think I will take a very, passive of working, my less aggressive ya I don't think I'll be able to uh take the risk for me


personally ya, ya anyway it's like for I think for me like you know recently I had a, err, project whereby, we had to, come up with an application that uh automates for


I mean in this case is I mean in our case was stocks but I think I I might consider using it for like future investments so possibly what I think is like I think it's much easier if you could come up with a


uh, the program whereby uh, uh base of like key news, like in at the current global context right then you take into account and then you can somehow link it up to all the to to the stocks in the market and you'll be able to come up with like you you will be able to come up with a program that helps you uh


invest invest for you base of the current global events ya so like like personally for me I think like in terms of I I wouldn't mind automating my investments like relying on a program to help me invest so what about you what do you think


oh, (ppc)


wait


(mmhmm)


what, (mmhmm) right, (mmhmm), why, oh ya during during during your time


your investing, right, you know but technically was it a mixture of like, uh oh like, using the automation apps or uh were there also instances whereby you, uh I don't


like, manually research and then invest accordingly,


both low oh, okay


ah make sense, (ppc) uh


I mean I think I think honestly uh, depending on the the current global, I mean like what you said earlier depending on the current global I meant like for example if, there is a high as in it if there's lot of supply on the market then obviously you should you should uh consider buying it because like the price is


low for now ya ya I think that's what I would probably do, like, most probably you work during, as in especially during like like for example now like during a global pandemic or financial crisis I think this strategy applies I mean ya correct the strategy applies right ya


honestly I wouldn't say so because I think when it comes to investing actually I mean technically you have to


do your research first and you can read up about, the things that you are about to invest, in ya as compared to like gambling whereby you are really literally just counting on the for example if you if you have to pay like black jack ya if you were to play black jack you're just counting on like two good cards to be given to your hand and


there isn't anything you can do about it and it's purely by luck as compared to like investing whereby they actually have the power to control the, you actually have the actually you you you have the time to prepare you cannot early I mean you can't really say you can predict whether or not the stock is going to


go up or down ya, but I think that's there's a significant difference between the two, what about you,


(ppc)


oh is it the one the the youngsters like they are using the app and then after that you know like it's sad story you know it's like some


ah okay oh that one, right right


ya true true options


options , personally I haven't, looked into options or but uh I think I've, heard about it from, one of my friends I think and then I think he made quite if I'm not wrong I think he did quite well ya long-term is particularly usual I think it's required over


ya what have you tried before options was you, oh (mmhmm)


(hmm)


(mmhmm)


ya ya correct correct correct correct, I think probably what you are speaking I mean like considering, uh someone who is like uh uh, new into this investing new new new in investing right


would you would you advise them to, like actually you know what you should you should actually do up the research by yourself and then you can just put the money accordingly or would you rather than like oh you you can I would recommend you my friend he's a financial advisers so can just go to him


like come ah like considering the fact that the person is not from her, finance background ya, okay,


ya, ya it's probably gaming actually, (mmhmm), oh okay


oh so oh okay, so technically in a way when it comes to investing it's also better to, invest in ya ya ya like what you said it's better to invest in something that you are interested in or that that actually makes a lot makes a lot of sense


I thought like usually sometimes ah, investors they when when it comes to investing they literally just invest by me or they just uh, I invest according to the market trend or something,


oh


(mm)


what oh sorry sorry, uh part three negative experiences


err for me personally I think the like I think if like someone were to like when like when I'm with my group of friends


or even like uh even project it's I tend to get pretty annoyed if I if I can see like someone, only not to their mistake like they will just telling you about their problem like oh I actually did this you know


I I I kind of screwed up, and then like the people who are who they are telling it to right they instantly call them out furry and they actually just couldn't, continue to verbally abusing them or something


I think it's pretty I think there's literally no point in doing that any it really is it really annoys me because you should I mean they're telling you their problem, and you should actually have been, you should actually just like sympathize in, maybe if you want to or if they want to you can give them a solution to it but


I don't see a reason why you should actually continue rubbing salt into the wound ya then there's one thing ah like particular about, ya, right


right mutually, it doesn't make sense lah I mean they are already feeling quite bad about the situation and then you just going to make them feel worse I mean honestly when it comes to friends, I mean as a friend you wouldn't want your friends to to to to to be like to feel worse you know you want to make them feel better so there's actually no reason why you should do that ya


(hmm),


they will need


ya I really think no point be helping you to be better, not like worse, (ppc)


okay I think for the older generation, I guess I I think it applies to everyone eventually when they are the older generation but like for me like my parents especially they like to emphasize they like to keep saying like


oh last time last time we don't have these these these like last time at your age we didn't have these these these but personally I think like we are already in this I mean like our, last time like their family finance


the last time the way they live their life their welfares very different as compared to now and now we are like living in we're living better and they are living better because of their uh they're living better that case literally no point for for for them to say about it you know like uh


you wouldn't want your child to go through the same things as what you did especially when especially when it's when it when it involves then having to grow up, rather too fast ya


so that's why that's why that's why I dislike about the older generation, and, for the younger generation, I think they are just like way more pampered and they cannot, they are they are like too reliant on like an older figure on


or they I mean I don't think they're as independent as as as we are now you know it's very different especially when you look in terms of the especially when you look at , like the current b and t now


or or like, the army personnel is the the the the treatment that they get is very different as compared to, for us ya it isn't as, no fair or, or something I don't know it's just way more relax for them ya what about you


, ya


correct , ya true


ya, you cook


, honestly, I every single, time that I travel I don't think I've experience I mean


I don't and eh I don't think any of my experience were bad but I think the worst one was when me and my parents went to #hong kong# and my dad decided to put like the hotel like through airbnb and I swear to god like the pictures didn't show


correct she on the app right and then it was literally it literally, the author was so bad right that, because like we went with my uncle and my, auntie, and then my uncle literally said describe the home right last time when I went to last time when he went to prison the size of the prison was literally the same size as the room


and then oh my god it plus like I have to share I had to share the room my parents right and like really it was really the smallest ever and you had to stay there for like three or four days you know so it was like quite I mean even though we were always


is I guess it would I mean even though we will get to like spend everything, but I think like in terms of like or like those of comfort the hotel I think there was like the worst ever especially when there's three people here


ya like literally because like what like know like like what my uncle said that literally, the same size as his prison cell and I think that and I mean I'm supposed to it I'm supposed to appreciate the fact that you you get to travel overseas but the hotel but really just kill kill the mood lah ya what about you


(mmhmm)


it's ya


, food


most traumatic, uh, uh traumatic traumatic in terms of what what's considered traumatic, uh


, do you mind going first because honestly I I can't think of something or not


oh


ya ya ya ya really


ya, like take uh, I honestly I think for me I would say uh, when I when I go cycling with my friends and then I think I will probably avoid footpaths distract on the road cause there was I will honestly is just like in terms of physical


like, injury but like that literally left a scar but like because like like recently because of COVID like all the foreign workers are currently hold up in the dormitories so they never uh cut the grass or something so like the pathway was


literally covered with like grass everything and then tones so we had to ride, on the pathway and then we have to ride on the left towards the left side, on the the left side of the pathway so that we can avoid the tones and then I did that and then somebody somehow I got onto the left side like I ride my wheel


got out of the path, ya I think I just fell and then I just like, I was like, I couldn't walk properly for like one week and had like scars all over ya I think that was like considered ya ya have you uh


okay what is your greatest fear


, uh I think my I think for me the greatest fear is like having to be alone for like literally alone like living in the world like no one to help you out support you


ya I think that's like my greatest fear and I never want that to happen and I think I think I I'm uh I tend to, enjoy as in I wouldn't say that I cannot survive by myself


but I would gladly enjoy the company of others, ya and I would rather not go through things without someone or like a group of friends or like my family and I think I I mean honestly it applies to like everyone but


ya I think that's like my greatest fear because I I I don't want to don't want to be alone anyone like not any point of time but I don't want to go through things everything alone ya


ya you definitely need to have like company and sometime like literally like for me like you know when they when they younger you think like by a certain age I think I will probably know what I'm doing but honestly like anyone at any


point on their lives even people in their thirties or forties they are probably like need people to they cannot be alone they need people around them help them make or influence their decisions the the decisions that they make so ya that's why I think no one has got their things together and they need people to support them


part two positive experience okay oh


, okay so what are the, small thing that always make me smile


(mmhmm), oh, for me for me is as long as once I reach home and I get from my computer I think that's that's more than enough for me


honestly and then what other things I think honestly saying saying like uh, you know like strangers like like you know small things ya I I think it's more about seeing elderly right I mean they are like happy and about I usually when I see like families like


together ya I think I I think I I think they always make me smile, ya , ya


honestly that's a hard one, you think what are the sacrifices, I think maybe there was a period of time whereby, I had to, give up playing games for a while


ya just so that I can focus on myself, in terms of uh, in terms of my studies and for like honestly for my mental well because I think I was playing a bit too much I I would considerit as sacrifice because I think gaming is a big part of my life ya but I think it's quite worth it I mean at that point of time


I mean now I probably picked it up again but ya, I think that's all, the, ah yes and it took the enjoyment out of the game and I think and I think like when like once you once you uh like for me at that point of time when I was very competitively I think I


started to, my my mood was actually quite bad and I was getting triggered a lot, even in real life, even when I was out my friends or, family I think I will get a little bit more angsty, so ya it's always tinkering my brain and like


ya I think is like that constant reminder ah or something like you know when someone is is your I they didn't do accordingly or they didn't react, as to how you wanted then to react, and you just get like, honestly you can see like you can see


you can see lah you can see me like slightly irritated so that's why I think like, at that point of time it was quite it was a good sacrifice lah like it was pretty toxic and, in my opinion ya, so what about you


(mmhmm) (mmhmm)


okay, ya


ya uh


will just keep his movie I am, I honestly I okay there's movie I think I think you will have to go have a I I mean I would say it's about time, I think it's about this time travel


like this guy who actually managed to some way some like inherit his father's uh ability or something like it runs in the family that they can go back into time and then they can, you know uh undo the things or redo the things that, you know like like for me personally like if you were given the opportunity to actually have this ability right would you take it like the fact that you can redo everything and anything


but the thing is, like no matter what like honestly I think like for example if you were to, like if you were to keep going back in time, to try some to to keep


getting to make sure that you can get this result but the thing is no matter what whatever you try no matter how many times you you go back right you will never get the result and I think that's, sometimes you need in life like


you cannot get the things that you want so I think like that, movie really, showed me like the realistic part like that technically whatever mistakes you made you, just have to live with it ya, and I think and I think I just think that the movies is like consider like personally for me it was like the best lah time watch


ya what about you (ppc), , oh, (mmhmm)


(mmhmm), (mmhmm)


I think


probably ups and downs lah correct correct , oh my partner


uh my partner, lives in I think the one commonly uh she lives in #pasir ris# with me ya like around my area so like we can always, uh meet up like quite often and quite fast


and for my partner he's like actually for our our relationship right it's a pretty weird combination because like she's quite tall as compared to me like honestly usually people wouldn't like consider like for me like I don't really


ya you know I think it's more about the personality ya and then the other common thing is we come from the same secondary school and I think another common thing is we are suppose like we were supposed to be uh


no we were supposed to be studying in the same university but we ended up like , uh, working together in another company like in our direct company ya what about you


oh it's two hour, two hours second like we were classmates in secondary school ya


upper secondary school ya, err ya right


I know ah we've always maintain contact ever since secondary school but the thing is, uh I think uh she came on to me ah ya


uh I think I guess it's the usual , uh, like for me sliding into, my ya, so uh


what about you what what what are the three things you admire about your partners if you have them, oh


(ppc), oh


, I think for a place in singapore that there is a place like , I think it's somewhere in the industrial area, like me and my group of friends right we always frequent because like no matter what everytime we go there we will we always come in like in a group like in one in a in a bunch at there's around like ten to twelve people and then no matter what uh


because we know the owners of the, of the bar and then like usually the owners come and engage with us and it's always a, really good time and it's funny to see people dancing around, uh and then just like


literally making a fool out of themselves ya, I think that that's , ya it is it is I mean for now like for now I think it's a it's a pretty nice days ya


oh yes correct ya, I think another alternative is uh


ah


oh, at least


no you shouldn't , what was


the best meal you ever had I think ya what was the best meal you ever had


oh


oh no


uh I think mine would be in, honestly I think, but I would I would I would say like I prefer the vibes and everything I think the poly we in japan when like me me and my two other friends we went up to this like mountain then we stumbled across then we stumbled across this random michelin place so basically was like


some mountain beef I think I think I all like mountain beef or something like I think was the best thing I have ever had or like for now for the past decade I think, ya, I think because like I think we're the meat was like super fresh and like with all the veg I think was just very different and I thoroughly enjoyed everything cause like there was like one of


first time I literally to finish up something quite fast ya think that's the best time in japan, ya it was really expensive I think like like just like one meal alone it cost about forty to fifty but it's like I I mean it's technically just like rice and beef


like it's like forty to forty bucks I think and like it's coming to, ya for one person I think it was ya honestly honestly if you if you have to spend that amount in singapore I think it's a bit ridiculous lah imagine if I imagine if you were to buy like some


malay food I mean uh what is it called, uh, mixed rice you know usually cost like five bucks but imagine if you were to tell people you spend at about fifty bucks on something quite similar lah honestly ya something quite similar lah I guess is like different the


ya ya, ya that's true


I think that trip was like one of my most memorable travel experience anyway and I think I made like the three of us within like another group of friend with his girlfriend and then we tried the, what meat lah, err


Kobe beef ya I think Kobe beef I think that was absolutely that was damn that was damn cool it was it literally melts in your mouth ya ya there's another you know, ya


ya correct, for me I I don't know is is very different and I kind of missed it but at the same time it's pretty expensive lah and it's not anything I mean the only reason why you


eat it is just to try it can you imagine people who actually consume it take it daily ya , oh


(ppc), yes


oh part one finance


okay for me I have a uh saving account two, two, two saving accounts , yah I, I I I I I like I mean I prefer to just put it uh like one is for saving and the other one is for expenditure so that uh I can monitor my


uh my uh my s uh, uh, expenses so that one one will be just physically just, for for, saving and then the other one is just, to, for the home base all that lah all the necessity


I I don't have a credit card but I do have a debit card and then after that I find that uh I mean for me personally I prefer debit card lah because if I use uh credit card I'm just too worried that it's uh I will overspend because


the other time , many many years ago actually I like accidentally , paid I mean like apply credit card, diner's club I don't know how I can get that card but it's like, yah luckily the expenditure is only uh the the the thing is only about five hundred and


and apparently the other time I didn't know about this I go and keep on like paying and then end up like I see the the amount that I have to pay like three hundred plus and with interest so from there onwards I'm like I'm quite worried about this so I told myself I'm I'm not going to take any credit cards because I looked at the interest rate so uh


from the experience I I told myself okay I I better to have a debit card at least I know that uh the debit card is from my saving uh whatever that I spend is within the you know the saving that I have, so it's like now I I I don't use for like over budget ah


so for the couples, , for me uh I used to, to have this uh, joint account with my ex husband and then after that uh we do uh, but mostly we use it for saving and then


uh only once in a while uh there's once, that he said that he really needs to, use the money so uh and we already uh agreed that to have it uh two signatory so that they don't abuse the saving lah, (mmhmm)


I don't have a fixed deposit because for me it's just like , , I think uh it's a bit tough for me so I would rather just choose the normal uh, the normal saving because for me if if fixed deposit then at certain timing that I think I need to use the money right I may


quite worried about that ah (mmhmm)


I think I believe on that also ah because I remember my mum, mum she just told me last week that, uh, her she got this saving and then after that in about one or two years' time, her , her fixed deposit is going to, uh like you know she she can just use it so there will be a quite a number of I mean there will be a lump sum which I think I I might be reconsidering


(mmhmm) (mmhmm) (mmhmm)


okay I have uh my son also has his own uh ATM card, uh I just started him with this year when he turned sixteen


so but I for me I don't want to put uh like uh that is mainly for his expenses ah so I will like in a month maybe I give about fifty to hundred dollars in uh, uh for him to his account then from there I will just uh see what he spends ah but I see the more I I put it in uh


uh he will just start to buy you know like go and mcdonald's to just keep on buying food there so, I find that uh he has to control on that lah but other than that he's quite okay, , but it's also good to have this ATM card so that in case


in uh okay personally, because I sometimes I do forget right so I do forget to him pocket money so sometimes uh then also with this ATM card his personal ATM card will be very good for him, uh if in case I forgot I can just transfer to him


yah okay for me okay


for me my I uh I only have, one like for insurance, insurance uh, I purchase from the bank monthly they will deduct, it's for my home, so ya I find that they recommend actually I went to the bank to just


open an account but apparently when I see there's uh this one insurance, insurance about fire I mean home, so I look at it uh find that it's okay lah it's about maybe I can't remember how much is it it's about thirteen dollars in a month


so I say why not lah because I don't have that plan from the insurance, so from the insurance company so why not I just get this one for for my for the my my for my home, I think we miss out the point six


for me I I okay I don't have a credit card but , because I use more often in debit card and I noticed that uh the past few months that uh whatever that are spent, uh, uh in at the end of the month or the next following early of the month they will debit uh


a certain amount maybe like not much but about twenty to twenty five dollars, uh like a cash, cashback so I find that it's still quite worth it lah, , for the points wise all that I'm not too sure about that lah but I believe that you know when even you go out to spend on uh


go out other places you know like other company uh, others, other brand other shops they have this all this point so like we accumulate them using that points to offset a our next, uh purchase I find it's also it's good lah


uh so far I've uh I've


not purchased any investment from the bank lah, uh basically for investment I I I used to the other time was the AIA, uh but that one they offset from my, I I think uh O O OA or LA SA


so uh that's all only that I have uh, uh to, that's all the investment that I have lah so far I didn't, (mmhmm)


, for myself uh, I don't I didn't get any loan, because uh, I heard few of my friends that, who took the bank loan uh uh housing loan from the bank and they told me that actually the the rates are fluctuating so they uh from


from what I heard it's like I I find it it's a bit scary lah, so I rather get a fixed loan, come again okay (mmhmm) (mmhmm)


okay okay, we are done


after this you see at least we can talk more, Adui think was three minutes just now right three minutes plus


ya but if not enough you can just, uh stop right okay you want start


I also I have my own personal uh insurance uh also from prudential, , so far I find that uh prudential is much more better, , maybe because of the agent who is quite active with


my the the the plan that I have, true I


yah I also don't have any endowment plan, so for now I, I just want to stabilize with my current situation, so maybe in years' time I might buy I'm more interested to also the retirement plan


comparing to the endowment plan, uh


for me I find that around ten person should be sufficient uh to spend on the insurance, as as far uh the one uh I will consider it quite uh, if if to for for


for the uh for the insurance I think like health wise or maybe our home protections, accident plans maybe will be the most beneficial lah, to to to have an insurance for travelling true true true ya ya eh


yah only per per traveling maybe yes we would just I would just buy also, finish already finish stop ah the this one stop ah


okay (ppl)


part three negative experience


you want start, start first I scared wait I start I cry


, for myself (ppc) I don't know ah I I have been like mostly staying myself


uh alone but the past few months actually I feel that , ya I feel I feel that, uh that nobody cares about me lah but uh, especially my dad the past few months he has been like uh just keeping silence and then uh looking at my uh when I see the facebook you know their


their IG they went out the other time lah before they went out for holidays or even in staycation they went but they didn't include me, uh actually I feel a bit upset lah but I try my very best to just ignore and that's why I hardly also now uh put uh I hardly into my own personal facebook and my personal


personal uh, IG uh more to my business and uh so that I I don't want to see all those those posts post ah uh the most heartbreaking, was uh for now my uh okay my first previous marriage and then most heartbreaking at this point moment because this twenty third is I'm going for the counselling and I've already decided to to just end it lah


uh, so trying not to let go of my this second marriage but I think I have to, before I break down uh I think before I hurt more


so I think I better make a very big decision, okay carry on


(ppc)


sometime, when I hurt someone's feeling I think I hurt a lot of other uh uh I I hurt a lot of people's feelings because maybe I because of my bluntness


and also maybe I'm just being uh blunt and been too care too concerned about people until people think that I I interrupt on their I mean like interfere in their in their families or their lifestyle so now I try to choose myself to just


keep myself busy and just be with me and my son lah, so that I don't want to hurt more feelings so I choose to just, keep quiet be myself and with my son, so that it's not I I I don't want to it's not that I don't want to you know I I I want to help I try to help but uh sometimes other people might think of other thing other way they might think that I I kaypo I this and that uh so but people might think that I just


uh, uh my my my my thinking is another way lah I I'm just care I'm, just concerned so but since, some of them including my my families lah my father's uh my my dad's side ah so they think that I'm interfering all that so I chose not to be to know anything now


uh it's not that I I don't want to care but I just choose not to talk so much already try to avoid everything all this negativity lah


your saddest, moment how's it, [orh] , you want to say first actually we are in okay


to be honest , actually I don't like this this topic but I think since that we are already here right, hurtful words for now, the past few the past few years I think for the since I got married with this man a lot of things that he has used


a lot of words that he has used saying that, I'm I I this I this uh I'm I'm lazy, I'm, everything lah so actually I try to put aside all those words that he has tell me actually it hurts me a lot lah


but with whatever words that he use, use I actually, try to make it into a positive way that to show him that, uh to prove him that he's he's wrong lah so I I'm trying to buck up every single thing now


uh to to back to life lah, yourself


understand


so


p three, if you I think if you do know also my first marriage also is so called a, I also, uh beside then his mum then after that it will be my uh my ex husband


with another lady lah which she's now also uh her his wife but I heard from the wife that they are actually proceeding for divorce because he's still doing the same thing so but , other than that uh that's all that I can think of but uh for now I find that uh I I I actually I help out my husband my current husband


for to get him a a a a rental car even though it's a rental car and then to help him, for to start with the our our family pack but I find betrayal because it's like, now uh, after helping him to get a car to get to to help me to help him to help me


to send me to to location where I supposed to be at work for work but uh he didn't, so now I have to just go, my work at my own self lah


so saddest moment of life uh it will, be for me is actually now, uh, I I try to push myself back up up ah


so a few more a few more moments, still have ah I mean we after I I just hope that after the counselling then it's done because it's only next week right so uh this coming twenty third is my counselling then I'll just proceed I just uh it might be a


uh uh because I I I I I don't want the this second marriage to end because after nine years of being a single mum but I think now I think just, I just start to have to I have to move on lah and then I think I I I now trying to push


myself tell to tell myself that uh, uh, it's just now me my son and my my mum, because my mum also needs me so these are the two person that I really have to uh I will really focusing on lah my brother because he's already big enough so I think it should


don't be, so much of it ah but he can come to me if I see he needs help,


, tiktok for me like there's good and bad lah good as in sometimes it's very funny but if let's say they misuse it


then I think it'll be not not really it's it's quite harmful also it can be a harmful thing


myself now now what I'm I'm currently facing is actually uh now it's it's actually the it's uh it's it's now happening so actually I feel like I feel like giving up uh


uh, uh but now I try to uh, give up on my marriage but I want I don't want to give up on my life, uh because I have, a boy sixteen years old who still needs me


to be uh you know, still needs me lah so still need my guidance all that so uh uh I just hope that this thing will just end up ASAP and then I think I'll just give myself a staycation just hope that uh during my process


uh it can we can just go oversea , because in singapore for now staycation we can't go any anywhere else except like you know in the staycation sentosa or ubin that I can think of now


worst thing, uh I cannot think of now uh but, I think if I I see anything that is not uh I think now I I rather just keep quiet lah because I I'm trying to change me to to become more blunt or blind because I'm a direct I'm a direct person lah


so but I trying to just mellow down on that just keep quiet and just uh I think nowadays I have to pretend to don't know anything I choose not to know anything, but what else ah uh


problems that okay for me keep me awake yes uh whatever that I'm having now right now really actually make me can't sleep well uh or maybe if I sleep early actually, two or three AM I will just wake up so now I chose myself not to uh sleep early I try to sleep like after one thirty and then after that at least I can wake up by eight o'clock if not it will be a very problematic


for me if want to to sleep early and to wake up two three AM


, never joke about I will not say about the really physical like say they're really borne to be big big size or be big size or like physically lah uh so because I I I know that all this is not that they want is already that they have to accept it's already fated


my worst nightmare oh okay my worst nightmare, actually is I think the past maybe about one year I have a, a few times


I dreamt of the so called same thing but not same incident that uh there's a lady who actually uh is in with with a mask she actually like saying that she don't want me to be in uh in a happy life uh she will try to


to, she will try as much as possible to just uh hunt me lah, so I ever like they hunt me and almost like got killed and that made me wake up in the uh in the middle of the night


so one thing that I did in the past which that I I undo is to just got remarried ah, uh I think if let's say I I I don't get second uh my if I didn't uh


if I didn't get the uh married on the uh the second married I think my life will be like back like last time uh will be much more better but I just hope that this will be uh uh soon it will over lah


(mmhmm) stop [ah]


, part two positive experience


uh sorry sorry I got to, cut <P2>gloria</P2> <P2>gloria</P2> my I don't know why I have this suddenly


, uh


okay so how I do need to continue with, uh I start with the first one first, okay never mind, okay uh for me myself uh, uh hobby wise yes I do have


collection of stickers but I'm more the stamp but actually my stamp collection is not that, much uh but whenever, like if I receive a stamp collection stamp right new overseas I was like like !wow!, !wow! it's it's so nice it's like !aiya! I just wish I want to go there you know uh


and then after that beside then that, , uh, uh I just love to just go out uh, uh and then uh, I always go for like, because my auntie used to say to me eh you


you you can actually just go out you know to have your me time so okay we I I went out and then I just watch movie I ever watch movie alone and I find it that it's like quite peaceful also, uh the best time the best part