and you spend time with him you had good experiences with him like there is definitely no regret in any moment you spend with him but when you lose someone young it's always very different ah, like I mean ya so like what you said earlier you know like it's definitely not going to be as hard it's no one saying it's going to be easier ah but you will never be as difficult


the people you should have with you


ya you won't you won't feel like you didn't do your best ah


I I think a lot of people feel like feel that way ah you are not the first person who say that ah


I guess you have a lot more experience with human mortality, eh you not up until this age with all known quite a few people close to us or maybe not so close to us who have passed away or a friend of a friend we have seen our friends in those situations but


I mean a pet the pet is with you every day ah, he like the time the time you spend is on the same level as like your wife and child ah


ya lah ya lah you have had them from birth uh


oh when the dog dies oh my god what's that movie that owen wilson movie the dog dies in that movie right ya lah oh lah that is damn sad sia, I'm I'm very sure I actually cried during that movie ah, ya


but then like again I cry for stupid things also lah we watch like an Anime and I can cry ah, when you when you get very invested in characters and then they died ah


but that's uh that's quite ridiculous right that it's just uh you know it's a movie, you know it's a movie you know it's a series but like you know is fake but you still cry humans are quite ridiculous souls ah


eh there's one question which doesn't really seem to fit what popular foods do you dislike and why


are you thinking or can we just not hear you oh thinking


ya go ahead bro you go first


everything is on you lah, I can't hear anything <P2>boon hee</P2> is saying


saying something ya but then he just disconnected, ya but anyway ya I guess I may I can just sort of respond to what he said anyway right, like his ya correct I mean his worry was about you know having a child and not being able to


you know because at that age the child can't look for look out for themselves so is all on him you know everything is up to him and he has to take care of it himself like for me I have no such worry my worries are all okay lah it will sound a bit self centered but just about myself you know like what's the next step


don't think in like like now we sailing joining a ship you hear all the horror stories about people's experience and like you know people going to jail because not because they weren't paying attention like you on the road someone else Langgar you you will settle insurance you know you'll pay a fine


when you on a ship someone crashes into you and, there's a chance both of you end up going to jail so you can do nothing wrong the other person can fully be the wrong and there's still a risk of going to jail so like, that worry has been implanted in our head so much throughout the whole course of studying that the fear is just very real and fresh ah


so that is the number one worry I have I just for myself ah when eventually when I get married and have kids definitely I have your worries uh like another life is, in your hands ah you can't blame them for their stupid mistakes you know now our parents can just tells us you see I told you you don't want to do properly entirely entirely our fault now anything happens is entirely your fault because she's not accountable for any things she's not even two


positive experience, oh I definitely want to say that I am very grateful about my internet connection ah , , you know I had to take a shot like that ah


okay so you wanna like start back where we left off or just go with it


or like what I have in common ah, ya so, ya so basically like I remember like one of the things outstanding we have in common is definitely the fact that we both, have a lot of empathy, like like that was one of the first identifying features that we noticed in each other lah


like we both felt, and we both feel very strongly about certain things I mean, that's something we have in common it may not be a good thing, definitely leads to a lot of clashes when both of you are really stubborn and hard headed but, ya we and we both really like to stand our ground ah


the the one of the things we have in common and we are not normal we don't like to like just say go out and have dinner you just sit down have a normal conversation, like we are both like up to no good in that way like not actually literal mischief but


we like to push the boundaries of, you know just not sitting around and being normal, and both of us have that in common, I remember asking you what do you have in common with your wife


oh that definitely helps a lot ah


ya basically simple lah that's the keyword lah


like old fuddy duddies , , well like we discussed earlier you all do prefer sitting at home and letting people come over, ah


so what's your favourite activity to unwind since with , ya


very rare to find another individual with two dogs, , well since you said you all a simple people right what do you like to do or use specifically what do you like to do like to unwind


or like in your relax times ah


ya, , yes definitely


but it actually just works perfectly into the way you all like to do things


ya she definitely does ah but I can also see times when she's more comfortable staying at home ah, ya exactly


ya just throw the juice somewhere and you just bring her out right , uh wait, do you have your chat open


ya you life pretty much does revolve around her right now it's very hard not to you know she's still so young, so you do you have your Webex chat open, okay, oh ya sure


but that's interesting answer that like usually when people say to like unwind and relax it will be like, sit down in the couch chill but your answer to unwind and relax was like you know go out have a walk you know do something have a conversation, I think I'm pretty much the same way as well lah


I told you unwinding like to me going out like meeting friends catching up is, the best way to unwind and like relax and distress you know, I know a lot of people rather be alone and serious spend time on their own focused inward for their unwinding or relax time ah I guess we are both different


we unwind in , oh ya my weirdest best meal a mixture of a few different local and overseas delights it was my rice my Rasam lamb chop and stir fried cabbage there you go


you got you got indian you got chinese you got western altogether in the same one dish that be my last that will be my last meal man , what was your best meal


ya ya , ,


, ya your your body wasn't over the past five days ah, no I remember you said you have something like Roti john or something interesting that they have that in brunei ya


ah so this specifically have people on site, what was the, ah


well for a Mamak for a Mamak a Mamak shop would have been the best thing to be open right, , eh speaking of brunei where is one place you love to visit,


(ppc), there's definitely the number one place like everyone has it or have you already been to your number one place and that's why it's a toss up between your next few


it's who you are with uh ah ya the experiences lah, ya lah some of the more the simpler trips also can be really good ah like your wedding ah we just went for your wedding as a free holiday ah that was, havoc that was definitely unruly as all hell ah so fun and it's like not even like somewhere very far away like Krabi


the beaches the beaches weren't even as good as they used to be, we didn't really even go out that much but you know going out occasionally here and there at least make you feel like you are still doing something, like you want just staying in the resort for the whole trip even though I would have a no problem with that


usually for accompany ya oh but mine my sister my number one place brazil and I think the reasons I want to go there obvious enough ah, ya


oh, you think you are capable of doing it now, , no I think we I think we need soccer to start first let's soccer start if we can survive a two hour session then we are you on the right track for that uh I'm pretty sure now any of us do any form of cardio and we are just gonna drop


we are just going to collapse, ya ya mainly real ah but ya you know jealous of her , you know I I mean, we love soccer you love soccer you have to love brazil lah even if they are not your favourite country the support in the world cup you really got to appreciate what they bring to the table lah


although in although in , I went there once through sailing actually on my first ship , I was so lucky I was supposed to join in brazil, and then


like a couple of days later there are like okay some regulations, long story short you can't go to brazil cause you are singaporean ah that was so that was so disappointing, cause I get to travel to my favourite place for free if I'm lucky I might see a bit before I joined the ship but nah no chance


what is yours let me give me a second to think, I feel like you have might have something in mind


ya I guess only when you in that situation you can understand ah, do you do you get a bit less proud when she tried to kill you or eats like aloe vera gel and does the weird things that babies do, or poops all over you where like !oops!


that's that's pride right there on my hand , , I mean , this also leads to another question ah like talking about , diaper accidents describe a time where you like where you laugh too hard and I just remember that one time where our mutual friend who shall not be named for


the sake of his pride , told us like when he just went out to have, food and he ate too much spice, and an accident happened and he had to run home oh my god like when I saw this question I was like that was the first thing I thought of when I saw this question a type where you laugh too hard like


he had hoped like his friends might have some sympathy for him there was zero sympathy, I just remember both of us just laughed so hard probably regretted sharing that story with us at all lah, like this way one time you laugh too hard is so difficult you know like when you hang out with friends enough there is so much bullshit that goes on and you talk about ah


you can't really keep track of all the stuff you laugh at uh , ya, it's answer comes to is it means you are not laughing enough ah , ah


which moment in Krabi there were too many, you can't just, oh my god ya the wheel , oh but actually we didn't laugh at about that at all ah the laughing came much later, ya the laughing came especially when I was like feeding you all nuggets while you all were carrying a passed out person uh


there was something to laugh about the next day at that moment it seem necessary uh that's why I called that's to you uh I thought it's a really good idea only when we talking about it the next day I realize that is ridiculous you know feeding people nuggets while they were carrying a passed out person home, my god


that should have, ya exactly ah that should be the proudest moment of my life ah not helping with the carrying just feeding people nuggets, , and nobody complain you know not one person was like dude what in the world are you doing we're try to do okay everyone just open and eat


ah, ya when I think my proudest moment was like when I finally cleared my oral for my COC three ah, because this is like one big step taken already there were so much nonsense we went through like I mean you know uh with the eighteen months at sea ah finally getting that paper is like !aww!


it's like a bit of pride and a bit of relief uh okay lah proud because pass first time lah and can disturb and can disturb on other friends ah oh you never uh Bodoh ah , ah ya


you will definitely feel the relief when your time comes ah, it ya it's actually more relief than anything else ah


ya that definitely lots of special moments ah in life, okay lah I guess like same same as like what you said about laughing ah it's good that we can't just die down one moment that we were, proud lah, okay lah so so we are not so far gone lah at least we have a few things to be proud of


, do you mean you got like severely derailed along the way , eh but speaking of being derail, describe a time when you got appreciated for your hard work, I think this project we are doing is definitely one ah I think the uh the like how low the expectations they had was and like what we are actually giving ya there there is no way the union expected like anything close to this ah


they already they are so proud of your seven your seven page report now we're giving them like uh hundred over page report they're not going to expect it ah


so basically you just get appreciated for, not sucking lah , I guess we are but ya I agree with you ah we can we can get a lot of further without putting in as much effort as other people lah, like you see some


ya cause then you get complacent, clearly case study one and two about complacency ah you and me


you don't even think about would you identify yourself as a lazy person not really what, you think you do the bare minimum but to someone else they might just seem lazy as all hell you know, what that you're lazy


!wah! definitely ah , that's the thing ah you need time crunch ah and I feel like I'm the same also I need a deadline, we work better under that, okay lah we finish off ah like what are the things can always make you smile


oh I think they'll brighten up your day lah basically


excellent the amazing thing that brighten up your day, we didn't say things you can laugh at things that make you smile you don't smile you like you you just laugh in your heart and send evil SMSes to your friends,


don't see her for like one month and, look so different already


that also makes me smile you know cause every morning or every other day you message some nonsense that your child is doing and it really just makes me laugh at your misery ah like when you tell me she poops on you !wah! really brings a smile to my face,


but ya [lah] your child is definitely precious as all hell [lah] okay


ya that's fine uh so we'll talk we'll start with uh savings plan, ya maybe like for example like for myself I use a savings uh account with uh DBS POSB lah you know POSB DBS what about yourself


no I I don't have a joint account which is funny actually because uh like I'm married but ya like carol and I we both have separate accounts like she actually has like three accounts because for business as well , but joint accounts nah we don't have a joint account never actually occur to us you know uh I don't know maybe we should ah


ya actually is not too bad right because I think even on ship you know that's what a lot of them do, you know ya, so you have one just for savings one just for expenditure right


ya actually that's true ah that's true but I mean I guess , now we all with online is a lot easier because you know you can see everything you know especially with the DBS app you know, when is in it's green when is out it's red you see and the description is quite


oh ya ya ya of course of course I think there are some really funny stupid ones right like with the merchant names like I think remember when we went for dinner at uh Sitara ya it doesn't reflect ya it shown weird name


right right right right, ya ya ya, I don't know but it's also safe you see I think it's a lot safer lah actually this happened just last night when I was, working like about two o'clock in the morning carol was on Shopee on her phone right she wanted to buy like stuff for the


then when she bought everything she came in and said oh okay ah eh thanks for paying for everything I'm like I didn't pay for jack you know my wallet is still here she said no no your card accounts are all saved in my phone because we had bought just one time from Shopee before


and so she didn't need my card again you know, like ya, , exactly I I don't know I didn't get anything


I don't know ah may maybe it was under a certain amount, oh ya ya ya


ya ya ya, so you only have a debit card do you have credit card


ya right right right


right right right no carol also doesn't have credit card I mean , we never saw the need to have a credit card to be honest I think there is a few times where we needed to purchase


like items more than five thousand lah it was mainly for the house and stuff , so we still use a debit card all we have to do was just, that time we had call up the bank and tell them to increase the limit


I don't know because I I'm not very honestly I'm not I'm a bit skeptical about the whole credit cards and you know running into debt and stuff like that I don't think I'm so on the ball lah


no not only that I think I think the points are quite good you know like like for example like uh, in in in Krabi for the wedding right, so we got a carol's friend to pay for everything with his card


just so he gets the points because that is a big sum ah it was almost like what almost ten, ten thousand right then we just we paid him lah


, ya it's not ah it's not bad lah it's something to think about, for for the


(mmhmm), uh maybe when she is thirty ya about the about the same time she is allowed to date ah , , no ah I mean okay honestly I think uh


I think right now I think I'm inclined to go with eleven or twelve I'm just trying to see primary five primary six you know, I I think she needs that little bit of, not so much freedom but more so responsibility you know


I think that's very important ya ya exactly, ya if you're done you're done ah


, in phase three ah


no I I I personally think it's very very important ah to be able to learn how to handle finances and plan , so I would expose her from a very young age possibly even ten you know if I feel she is ready


because I mean it is quite exciting what to have your own card and go and to the ATM and you know, ya ya ya it won't be ya, I mean even now what it's quite nice to go to ATM and press and see how much money you have in the bank


, ah ya ya, but that's a good question actually I never actually thought about it lah, ah ya


, but, but you know ah this this also brings in another question, see my mum right so she gave me my ATM card I think I was about twelve lah I would say probably just leaving primary school


but she also had a stack of money that she kept at home, like, maybe almost a thousand dollars just in cash you know so she use this, it she almost use it like petty cash


I don't think it's a I I don't think it's a particular sum of money I think she just said, okay we should have X amount of money say a five hundred or above five hundred dollars, just keep it, so is there in case you know so you don't need to rush to the ATM when you are run out of money


or say you like let's say you have plumbing issues you call the plumber, you always cannot pay by card you got to pay by cash you know


!wah! be to be very honest I


don't really follow like bank interest rates, err usually I leave the finances to carol you see because she is a lot more savvy with this, so but err


but I mean in in terms of putting money in the bank I think there should be money in the bank but I think if has too much money in the bank I think it's sitting there doing, nothing lah you know I would rather I more inclined to possibly take out the piece that amount and invest it you know


true true true


like quite recently I just found out that, like for us ah when we are not in the industry there is a lot of things that we are not sure of like even say for example what is a term life insurance versus what's a critical illness plan you know or like a whole life insurance like I I think yours should be a whole life insurance lah if you are saying


ya it was I got one term life insurance with NTUC, so ah then ya but


I also recently discovered that I am under insured you see because I there is a rule of thumb, that in singapore you should be covered for about nine to ten times your annual income lah, you know so if let's say


I don't know lah you know ya you annual income let's say is ten grand okay hypothetically is ten thousand annual income then you should be covered for like ninety or hundred thousand lah ya , but I realize that I might fall short carol also you know we only covered for about seven to eight ah


ya ya ya, but it is something we have to look into as well


and uh I guess especially now lah you know with uh the daughter ya , but you don't even react


no I mean, no lah but I mean there's no need to I I I, I'm not going to do something for the sake of doing it you see, or just because someone else does it you know uh there is really no need to lah like my parents had a joint account


like my parents had a joint account but, we don't have a joint account but I don't see how like you know it's long as say I'm hiding anything I give her my card she knows you know how much there is or whatever you see


transparency lah ya


ya, I don't know but you know that has account ya they they call it a CDA account community development account I think or child sorry what am I talking child development account


so you put in money there and then the government matches dollar for dollar, up to a sum of three thousand, no no no total sum total sum so we put in three thousand whatever we got from the baby bonus we just chuck it in there


and then the government topped up three thousand, ah ya but I cannot touch the money, no but but she can use the money lah if she for if she goes pharmacy she goes polyclinic she can use the account to pay make make glasses ya


ah ya, but I'm still trying to figure out a way to cheat her of the money ah, cannot it has to be her


negative experience


ya I guess this is quite easy, you, you know it's just a negative experience, I guess I don't need to tell you you don't need to tell me I think I we can name each other's negative experience ah, you know


ya ya ya for sure


ya it was quite bad lah, ya I mean think about it I came back one week before


ya ya ya, ya


ya no but, ya ya ya no but I mean it was it it it was quite stressful lah you know to think about it and to pretend the worst thing is pretending to her that it's gonna be okay


you know because these things are not in, ya, !wah! that's that's that was tough ah that is a bit tough ya hopefully you never have to go through that again ah


ya I guess so I I ya I I I mean I I think, I uh, biggest thing would be probably uh just completing NUS lah, you know ya


because it's a ripple err, ya it's a ripple effect isn't it


so do you okay lah ya ya ya,


ya ya ya no but I mean ya it was from there then you know a few other poor decisions, ya I always think about it


no poly ya but now with A level correct, ya


ya ya, but ya lah I mean honestly every time I think about it it's like !wah!, sure regret man, because life would have been so different ah


ya ya ya ya


ya ya ya of course, ya ya, right definitely definitely is ah, I would have definitely not met carol lah hundred percent


ya very high chance extremely high chance you know


ya it's fine ya seven minutes ya


uh ya lah butterfly effect ah of you know not meeting the people, , ya I I mean I thought about it lah you know, but, I as much as I try to convince myself that


it is what it is it's very tough ah than regret, I I I can't quite get over that the drink right


ya ya ya, I mean you will you will you know


, ya that's true


ya ya ya that's true, ya I mean that's the only reason why I want to go back, spend a couple of months back and see uh you know, just so I know I come back you know financially we are in a very very very good position ah


but I don't know I guess inherently we are positive people so you know we always find reasons why we do what we need to do


, ya but that's a regret lah but that's not really the lowest point, but I, I mean obviously the lowest point for me would be


my mum passed on right, like ya obviously I don't think you can go any lower than that but, uh, but is funny uh you know it's a,


it it it almost like, you can deal with anything after that, the sense you know because it puts things in perspective, and uh, like


now I ask myself let's say tomorrow what if let's say my father passes on, it won't be so tough because I think we after that episode we have come to terms with, a death ya ya ya ya


you know, and I think it all boils down to this ah you cannot have any regrets I think I may have told you this uh can't remember but as long as you have no regrets ah, when the person passes on right I think you're fine


ya ya ya, fair enough fair enough


but that's but is important lah not to have any regrets in fact after she passed away right, now I'm trying to spend a bit more time with like my grandmother you know, ya ya ya ya so that when it's time for her to go


it's just time for her to go ya, correct correct correct correct, but ya I I I don't know lah I I think I can handle


death of humans better than I think I can handle the death of uh, this the dogs ah, I I cannot ya ya it's it's quite I I it's not something I'm looking forward to ah


at all leh I I cannot imagine how I'm going to go through it, , no because ya


ya ya, no ah it's almost like at, ya ya the some more you's they have been with


us as puppies right so it's almost like they are your children you know, ya ya, ya ya, like like even now whenever you watch a movie and then you know you see uh


like a part like a let's say a dog movie or whatever then you see carol will start to, tear ya, ya marley and me uh, ya


, I think a lot of people did ah, , ya ya ya no I think we can identify lah you know


!walao! see now just thinking about it already I'm upset now


ya maybe you let me tell you what I worry about then I'll ask you the question ah you know I guess now what I worry about, at this point


now err you know now now that is very deep


we talk about the what you know worry we may have lah you know I think that's a good way to wrap it up, so maybe I will go first ah


ya


so I think what the, worry I I do hav, right is uh especially now ah with the <B> you know my daughter is uh probably a big worry lah you know


I I cannot imagine anything happening to her for the matter, because ya you you have uh I guess it will get better once she is a bit older, but now that she's so young err is a little bit scary lah you know because she can't defend for herself


so that's a main worry I suppose especially as a parent because you know you feel responsible, for her and uh another worry is whether I can you know, provide enough for my family you know to be comfortable


uh be it finance you know be it uh emotional support, so, these are things ah that worry me or also health lah you know, , there is no point you know it's like getting riddles with some sickness or dying early and then you know


you put a lot of pressure on them, so


right


positive experience, okay alright, , , ya I know


now you can just go with it lah you know we can ah, was uh you know what you admire about vanessa and what you think you have in common with her


ya that would be pretty much there was where I left off


right right


right right right


ya I mean we, it it is funny whatever you and vanessa have in common is what me and carol have opposite, you know, ya, ah but what we do share I think is uh very strong similar foundation


you know we are both uh you know we are both very grounded in values, very similar values and uh you know like uh we we believe in that certain things need to be done certain way so like it's especially very apparent now with uh with our daughter lah you know


we never have any clash in parenting style, ya you know, like for us is like you know yes we nurture but you know discipline is discipline, beat is beat lah you know ya so ya that was something we discovered quite recently you know that we have in common


ya nothing is I I guess we are both, uh quite simple you know the the little things in life ya bring us a lot of joy lah and uh we share very similar uh views on family


you know like uh, ya I think simple is the word lah ya, !wow! now when I actually fade out I mean, it just sound very boring ah


but also another thing that uh, quite similar that brought us together was probably the dogs ah, you know that was funny that was actually why we even started talking in the first place


ya, I I suppose so ah ya that's funny


I think we we we enjoyed each other's company you know like just going out you know and just having a talk you know


because things does get very different now once you have a, baby lah you know should know we definitely don't do not go out as much, as we used to, uh which we should actually to be honest


and I think sometimes we use the baby as an excuse not to go out, uh a little bit so a little bit so , but I can sense that sometimes she gets bored with it you know I think I have a bigger tolerance for just doing


you know little little simple boring repetitive stuff but I think she wants a bit more excitement lah, ya I mean it of course it doesn't help that now we got a new TV


with the Netflix and everything ya but we should lah I mean you know I I am planning after this, especially after the report is done ah the summary report, I'm thinking of bringing her out lah you know planning something nice like a actual date night you know


ya ya ya ya ya, I mean it's come to a point where it feels like you know our lives revolve around her where we should, try to step back lah take a couple of steps back in


ya not ya ya ya ya ya


ya it's quite funny ah


ya ya ya, fair enough fair enough eh what was the best meal ah what was the best meal you you talked about earlier


ya I told you my best meal was uh in brunei after the jungle confidence course, cause friday's never eat right I came back completely over order uh literally no one hour after stepping back in the camp went to the canteen we over ordered we ate it felt so good


and then about five minutes later I puke everything out, ya lah your your your intestines shrink right but your but you are still fantastic ah


no because it's uh it's catered for singaporeans, ya, ya because it was odd time so the other stores was not open only the Mamak shop was open, ya


or else insane ah , , I love to visit uh ah


overseas lah I'm guessing right, uh, very tough ah very tough, got a few places I want to go but uh


no you see it's very funny, I like


I have traveled alone quite extensively, you know like I told you right I went to europe I rented a car and drove around ah like that was so nice and then I travel with family with my wife and things like that and then I realize sometimes is not even about where you are


but the setting the people that you are with you know, ya, ya


ya that's true


actually actually you know what bro actually to be honest right one place I really want to go , is uh to do the inca trail, up #machu picchu#, I might have mentioned this to you ah, uh ya possibly with little bit of help


ya ya


but brazil is interesting ah Rio right, you know carol has been there right


actually it's quite fun I I've actually never been to south america


oh ya ya I remember that ya ya


actually this uh this is it uh quite a interesting one that we don't actually think about what is the proudest moment of your life, or if you can't narrow it to down then what are some of those lah


I I I mean obviously now I would say probably when my daughter was born lah, you you know because she , it's something very different you know it's something almost


undescribable because you have to experience it, you you know that that that pride you feel that okay lah although I've screwed up in life here and there I finally made something right did something right you know so that's a quite a proud moment lah you know


uh, ya, , yup no ah that, the other part I just that part I just blame on carol lah


uh you also wanna date some more, ya ya ya


ya


ya ya ya but actually I think that's a good question not to be able to answer, you know ya ya ya, that was funny ya that was so funny or even in Krabi


ya carrying the dead carrying the dead whale ah, no [bah] ah


what do you carrying a hundred hundred and thirty hundred and twenty kilo passed out person ah


ya ya ya ya, ya ya ya fair enough fair enough fair enough, ya I I guess ya lah another


ya it's probably a relief ah pride, ya, ya I guess another moment we was proud maybe it was in army lah you know, to ya commission and stuff like that you know


ya actually that's true, I I don't know ah appreciated about hard work I I hardly put in hard work ah so, so , it's always no choice last minute


actually we are so lucky, she is a bad thing as well lah


it's quite funny ah funny ah when you actually talk like that right , it's almost like uh these are things you never ask ah actually think about it


ya like even just yesterday carol was complaining what, that I procrastinate that I'm lazy I never do stuff


oh ya ya ya ya, okay can, no lah I mean is cliche but everyday when you see the you know your baby is something that brightens you know because you you you see growth lah you know


you know, ya, ya ya so that that that is something every morning lah you know you wake up, and uh


you know it brightens your day lah,


related topics


I, I think that we shouldn't ya


uh yes I agree and, I think that uh savings and benefits of uh, credit card it's not worth


sorry


mic test mic test one two three, ya sure, give me a second I relocate again


hello hello


uh so like, where I left off I feel like the benefits of a credit card, is, despite the benefits I still feel like it's not worth it because uh


uh if you have a savings card, then you would have a , natural limit to stop spending but if you have a credit card, you would feel like you can, have


expenses that are not necessary


ya sure sure ya, do you have the habit of saving how do you ensure that you meet your savings goal


uh uh the same uh, I don't actually spend that much in fact, when I when I earn my money, I only actually spend ten percent of it on essentials such as food


ya and, I don't have a fixed savings goal like for example the percentage of how what how much I want to save, I just make sure that I don't fall below a certain amount in my savings account and always aim for


set amount uh for each salary that I get, ya, uh what's one financial advice that you will give to the you five years ago


I'll start first uh, five years ago I hope that cause because I work uh part time


so I have the freedom to choose whether I want to go to work or not and because it is a job with no commitment I tend to choose not to go to work, so I feel like five years ago I would have told myself to just go and not skip work so that in the future I would have more savings ya


in a post COVID world what changes are you making in terms of your spending and saving habits


ya I think for him his job sector isn't really that affected but for me I I work part-time in the hospitality industry which is heavily effect


affected, so making a lot of changes such as uh I'm not actually online shopping that much or I would choose to eat coffee shop food instead of expensive restaurants which I used to go every week but now not so much


, how do you invest your money to accumulate wealth or plan for your retirement


okay so I actually did a bit of research and I found out that if you donate money you can get tax relief so I guess the amount builds up over time and you can contribute a portion of your salary to CPF


and, we can keep to a certain amount with a bank to get back interest ya that's what I know


uh what are your thoughts on CPF contribution


ya so I'm currently eighteen, so to me CPF contribution uh it's a burden on my end because


uh what I earn from part-time I would hope to get all of like the full amount but part of it goes to CPF which I don't really think about now because it's not relevant to me currently so, ya I


I only I hope that uh I can I I, only have to contribute uh for my full-time job instead of my part-time job ya


uh how to maximise your CPF savings, ya so I actually did research on this as well apparently you can pay your mortgage in cash so that the money in your


CPF won't drop down, ya, and you can also top up your special account your SA account, ya


okay how to achieve financial independence, so, so I think what this means


uh yes


hello uh sorry sorry ya can, okay


ya I think he should master self control so, maybe he should plan out a budget for each expense such as food and uh luxury items


ya, and he should ya he should spend less and earn more, and prevent that because ya that is quite


, ya


uh, how do you spend your money, which expenditure is justified and which have you been spending too much on


ya uh same I don't actually spend my money on items I spend my money on essentials such as


food and transportation ya, , I think my expenditure is justified cos those are the things that you have to spend on ya in a normal day


ya, , uh how can what can you do to earn extra income


or improve your, ya or to improve your income level


ya uh actually I think one of the, most effective way or most people they are doing it right now is actually MLM or home-based businesses because you can earn a passive income besides working your full-time job ya


uh I agree ya uh because before marriage you're independent so you don't have anyone to consider about


but after marriage you have your kids you have your spouse, you have all these bills to pay right so that you sort of have to think twice if you want to make purchases even a small ones like ya


uh ya I think that you should never ever get too comfortable with, the your savings amount I think that you shouldn't have this mindset that you have earned enough or is a sustainable amount I feel like you should always look uh


far in the future, or set aside an emergency fund so in case you will fall into any trouble uh, you won't have to use up your entire savings and worry about these kind of stuff , and you can also put your if you are well if you feel like you have enough currently you can actually put your money in a targeted investment plan so that in the future it will accumulate and you will have all these extra savings


ya


I think for normal people with a normal working job uh DDIY is is should be fine, for financial advisors I think it's, it's more beneficial to people with


many expenses or business owners so it'll it'll not be in the back of their mind ya so they can get someone to handle all that for them and they don't have to worry about anything ya


negative experience, ya so, what is your biggest pet peeve or what annoys you the most


I'm sure there's a lot


ya, I think I'm similar like my biggest pet peeve is like waiting in queues or like having to wait for people although I'm late myself so ya that's kind of bad and I also hate it ya I hate it when people like talk very loud


like (ppc) ya I I tend to have this habit, of like searching people or like asking them to lower their voice ya to shut up, uh ya I guess I'm a sensitive person ya next


I think I think almost every movie that I watch makes me cry in sadness ya


I can think, ya ya ya, uh ya you can continue sorry


I I'm like I cry and like rom-coms or like, like this is very basic but the notebook like I watch it like ten times as well I still like cry every time ya


ya I think I think everyone will cry when like they they were at the scene, same at the boat ya when when they were like when there was raining and then they like and what's the actor called


okay the actor like said like I wrote you three hundred and sixty-five letters already then like I started crying ya, uh


ya so I think me and him are, a generation apart so actually I have a lot of things that can say about this , like I guess like the thing I don't like about the older generation is that they're thinking like


like they're stuck in the past, it's like they can't think in the current current decade ya like habit, it's all like the norms like they don't think it's they don't think it's like good or like normal ya


uh, , for the younger generation I guess I have nothing much to say cause is part of,


ya that's true ya that's true


talk about your worst travel experience, uh I guess the worst travel experience like this might sound sound like bimbotic but actually went to a freaking Kampung without wifi or like


running water like proper food so ya that's the, worst travel experience like I have to live with what we live without wifi for one week, so I was basically like staring at a wall, doing nothing


ya, uh talking about china I also had a worse I also had a bad travel experience there because like uh really wasn't in the mood to


to travel but I was there somehow because of our school trip, and like the entire time like we will also visiting temples and , artifacts and like museums all that boring kind of thing and I think I was just like throwing a tantrum all the way uh made it bad for myself and my friends


ya , describe a time when you feel that nothing you do is good enough


you go first , uh you go first, uh


for me like maybe like if I'm really putting my best or like trying very hard like exerting all my like energy


on something and someone shuts it down, like by saying that like what I do is not good enough then it feels bad lor, ya


describe the embarrassing moments that made you cringe


ya same I feel like when you're young you make a lot of like decisions that you feel like it uh got nothing wrong or is like okay but


when you think back as another of you you'll think yourself like why did you do it, , to me I guess is like, , going up to like my crush and like saying dumb stuff and like embarrassing myself and I find out that like cause he's he was actually older than me so like


he he talked about it with his friends and like laugh that me behind his back in those kind of cringey , and I took it as like acceptance so that's even more cringey ya


describe the moment when you feel like the world is against you


ya for me is actually I remember this like distinctively like during primary school like I think during like, one of the important like exams so actually we were sitting for the exams and like ours like actually doing my own stuff you know writing my own answers but someone actually accused me of like looking at their answers and like the teacher uh actually


assume assume there was like correct and, and just like gave me a zero for cheating when, I feel like I didn't like I really like didn't do it and like the whole classmate like I mean my whole class is like


, like against me I guess because I cheated in a test and I actually didn't and I actually got a zero for that so got in a lot of trouble ya


what is the most, traumatic incident have ever experienced in your life


so I think like the most traumatic incident in my life like , I mean if is a traumatic incident you wouldn't want to like, like you would like to bring it like put it in the back of your mind and never like mention it again so I think I wouldn't like ya next question


, uh for me I'm lucky to have not experienced any lost in my life , ya


like, uh no one close to me has or like now my relatives are my family members has, , ya that's not uh really uh I didn't really I didn't really have to, deal with the loss ya it was just a momentarily like sadness ya


, so remembered, like when I was primary one, like I I actually wasn't really that social like again really know how to interact with people so


I think after a while like I did make some friends and but I actually went to this very like Atas, school and then I felt like I didn't meet like fit in so like they were talking about like


like you know bags like their branded bags like pop kids or like like any like all the all the things lah that I couldn't relate to like in everyone live in a landed properties in like condos


uh so ya quite felt I felt like left out ya like I was literally the only one living in a HDB flat, and everyone had their everyone had their maid to pick them up but ya I walk back home myself as a kid


ya what disgusts you


, ya I think like I have a lot of fierce like like such as like , ya what ya what I say me uh what disgust you like ya


uh what disgusts me uh like , I guess like, dead things like decomposing things like like things with a lot of holes I think that's called trypophobia like insects


or like, , like things that smell bad, or like bodily fluids like mucus and like saliva or drool something like that ya


, what is your greatest fear


I think my greatest fear is , maybe getting into an accident suddenly, or drowning, I can't decide between drowning and catching on fire both are pretty bad but if I had to choose one maybe I think that catching on fire would


ya I think catching on fire would be more painful than drowning although both are pretty bad


ya I think that I don't actually fear death, like I just fear ya like ya ya like or like ya and like


also like even if I survived like uh like uh an accident , like maybe I have to live with like, crippled legs or like, you have to live with like disfigured face or like some something like that like ya that's my greatest fear too like I will actually ya ya


positive experience


ya I can ya, , what is a hobby or activity that you felt happiest during as a child


as a child I think I was a normal kid as a girl, know you like playing with dresses or make up ya, ), and I also enjoy going to the playground and doing active stuff and getting myself bruised you know ya


and I think that was the happiest part of my childhood and also coming home from school to watch cartoon programmes, ya, I think I was a pretty normal child, ya


yes yes I can ya


ya I feel like during childhood your biggest worry was your next test or exam, uh uh no oh ya ya ya ya


uh like ya like I said uh your biggest worry was your next exam or, you know whether whether if like , like your like uh your arguments with your friends


you know, but now like you have other bigger worries so I think the best part of childhood is having freedom and being not burdened


I think there are a lot of good, uh, bad things and also good things that I did for myself


so ya, , or you know


worry about financial, financial problems, , I guess the best thing that I've done for myself is I'm also independent so since young I have stopped asking for allowance from my parents so I think I'm quite proud of that fact ya


, who are the people that you cherish in your life and why, ya <P2>kevin</P2> ya


so likewise uh uh cherish my family my friends and my, partner ya so, ya I don't have that many friends too I keep my circle small ya I only keep the one that I cherish the most ya ya so ya


uh what is the best song do you that you ever heard, so I will start first cause ya so like like it's been long since I actually uh hear any songs with actual lyrics in it ya


so the last song that I heard with actual lyrics in it was that remember is like a rap song like we both hear it in uh, we both heard it in the radio and, felt like it was a good it was a good quote type


, like like , I want a long life I want a long life, the I want a long life or legendary one I want uh quick death and easy one ya


ya that one ya


uh how would your life be like if you are a millionaire,


uh ya, for me it's quite different cause like to me like a million isn't enough


like I wouldn't go crazy and spend like on uh on expensive vehicles and stuff because I feel like it will not sustain me like for the rest of my life so, I think I'll be smarter and like invest invest like my money in


ya in property maybe although I ya but I don't know anything about property so I think I will just let it roared in my account and when I'm old and I'll like go crazy so in the last days of my life like it'll be ya


ya, ya uh like same as him like I also close with death like almost got into a accident because he rides uh motorbike


ya and, also like during my N level so remember like the day before I actually went to work so I didn't study for my maths exam but surprisingly like I borderline passed ya so that was quite lucky


so ya


ya sadly like I actually don't travel much I only went to malaysia or like indonesia but here on the other hand has been to like many many like countries so I think


ya I have none


, describe a time when you can't wait to attend a special event or a concert, ya


for me I've actually never attended much events or I haven't even been to my first concert, hello ya I think is some moderator ya uh uh no no


uh ya so like I said uh, uh I fear to uh, attend any like my first concert or I don't really remember any events which was that special like mostly it's formal also, ya I'm waiting for my first one


uh ya, what what is your best surprise


ya mine ya, mine is also a birthday party so, uh I think, oh this year ya this year like cause my birthday actually falls like in the chinese new year period so actually my friends tell me that is just uh like visit but


like after like a while they actually came out with like a cake and stuff and like everyone just started like singing happy birthday and all the cliche stuff so, ya I guess that's uh that's my best surprise cause I also really like the gifts


ya so, what is your biggest blessing in disguise


so actually the biggest blessing disguise was that I dropped out last year because actually found myself a lot of opportunities in my job uh


ya like being offered a scholarship like I used to think that like dropping out was a bad decision because like I will get to nowhere but ya actually got offered a better opportunity in life ya


, describe a time when you were helped by someone in your time of need


uh I guess I'll start, sorry ya I'll start first cause , during work I actually like got my wallet stolen in I took the last transport home so like when I realized that my wallet was missing Iike actually U turn back to my workplace when it was like three AM in the morning


uh and I went back and I realized like my wallet like I can't find my wallet so I was basically stuck there like cause I have no like ezlink card I have no cash back then I didn't have like uh debit card so basically like I couldn't go anywhere but


ya someone actually helped me book a Grab like three hours later so I went home at six ya but still like, lucky I wasn't stuck there for the entire day


, oh


what was the happiest moment in your life, , actually there are many happy moments in my life so I think it's kind of hard to point our which is happiest but guess the current one is


obviously meeting you ya, then I get I'm glad I didn't go CO, ya


ya , ya


uh that's kind of dramatic ya it was ya okay share a funny inside joke that you and your group of friends still laugh out until is this day you first or me


okay so basically right like, during secondary school like , like we have this classmate that we were friends with but we weren't we weren't really like cool with her so we actually like we're very mean back then like I actually like cause she is known for like not washing


her hair so like whenever we walk past her like we will do this , do this right so so like five years later like me like when me and my friends like meet up we will do this to each other then we will know like who you're talking about ya so that's quite funny ya


finance


do you think do you think once you own a credit card, uh, yes and no so so uh I think that uh is not a must to have a credit card it


I one person speak first then the other person speak right hello ya so I I I speak first lah right


uh okay uh uh okay okay is she still there, ya ya okay so do you think once you earn a credit card uh yes and no I think is not a must to have a credit card but is useful to have a credit card in some cases where you can get more discounts or collect points


to uh to redeem more stuff but credit cards also are risky because you tend to overspend and end up keeping uh monthly instalments for stuff that you don't really need


err partially only


you you want to sit beside the router or not


oh can you plug your router into your computer


or you want you want to connect to my hotspot ya ya


(mmhmm)


I think that a credit card will come in useful in certain scenarios like for example if you go overseas and you want to rent a car I think a credit card is a requirement, so it helps for certain situations I guess ya you want to move on to the next okay [uh huh]


uh I guess the answer to that is yes I have a habit of saving but I don't have a fixed amount to save every month because uh I think I spend


uh, I I never ever spent more than what I earn so is I pretty much always have a saving every month so yet the answer to that question is yes


ya okay, err uh I would


okay


uh okay the financial advice I will give myself five years ago would be to, spent less money on vehicles basically all the money I lost over the years is uh from depreciation on vehicles so I guess if I didn't buy that many vehicles I would have a lot more money now so my advice would be to


ya to spend less money on vehicles and and plan properly before you commit to a vehicle


uh okay the post COVID world uh actually I don't think much has changed because, my spending and save it had saving habits are quite err, consistent but I guess I would be more wary about uh big ticket purchases now and not rush into any uh major


uh big ticket purchase now because uh the job market is unstable and I might not be able to finance whatever I purchase in the long run if I suddenly lose my job due to COVID


err, okay I've been I haven't really done any investments at all yet throughout my whole life but uh I guess like recently I've been reading a bit about uh stock exchanges and uh currency investments


just for fun just to get to know a bit more because is an adult thing to learn about so uh, ya so investments wise I'm not sure whether I would make any investments but I'm I'm uh slowly gaining knowledge by watching YouTube videos and talking to other people who actively uh invest in stuff yes


okay uh when I was younger I wasn't a fan of CPF


in fact I err, I felt that like is cash that is cash that I earn that I couldn't be using but as I grew up I realise that like, CPF is pretty useful for uh uh for housing and other expenses so like uh I think CPF is good in general it forces you to uh


save I mean it forces you to have a saving that you can use when you really want to purchase your flat and housing, and for after you after you make the down payment for your house your monthly CPF most uh your monthly CPF is able to contribute for most of the the loan amount so basically your CPF uh helps you to uh cover all the cost for the housing ya


how to maximise your CPF savings


uh I haven't really done my research on this topic but uh basically uh I think I talk to some friends about this before and they mention that you can make use of because your CPF money is uh as I'm not I don't own a any property or


I don't own any property now so my CPF savings have been basically untouched and they're just sitting there and ya they're just sitting there and not doing anything so my friend told me that you could actually, allocate a sum of your CPF to invest in bonds so that you can grow your CPF money even bigger but uh I only know the basics about this and I still researching on it so that's all I know about maximizing your CPF savings


how to achieve financial independence


ya it still recording (uh huh)


hello eh you lagging hello can hear me, okay uh wait ah let's get another question easier ya what what advice would you give to someone to get him uh him or her out of debt


okay uh most of the people who I know that are in debt uh spending more than they can earn so my advice to them would be not to make big ticket purchases which they can't afford or, calculate when before they buy any big ticket purchase whether they uh calculate the loan and whether is worth it because actually the loan percentage might be small but


for a big amount it's quite significant and what else you get out of debt uh, ya also their savings could be allocated to account which someone else manages so that they cannot uh freely spend their money


and ya I think that's how to get him out of debt slowly I guess


uh I spend my money mostly on food and transportation, and, what else do I ya basically uh actually all my expense all my expenditure is justified I don't think I've been spending too much on any particular thing uh even for entertainment I guess is very


it's less than ten percent if I'm not wrong I don't spend that much on entertainment mostly is on transportation costs maintenance of my vehicle and, uh petrol money and basically food I spend a lot of food but I think it's justifiable as I don't go to expensive restaurants ya


err, wait uh what else is there


oh ya uh there's many ways !huh!, oh ya uh there's many ways to actually like uh get additional income right now I guess there's, a lot of people doing uh food delivery services or Grab after their working hours there's one way you can get additional income or you can if you have a special skills such as photography you can freelance and take up extra jobs over the weekend I think all these adds up


like a few hundred a few hundred it adds up quite a bit of extra income for you to spend on other things ya


, how do you manage your financial commitments before and after marriage, err, uh I guess before marriage you are able to make big-ticket purchases without thinking about your housing loan and your children so once you are married I guess you really need to think twice before you commit to a big-ticket purchase and you have to discuss with your


uh discuss with your spouse whether is uh manageable for both of you and for the family


what strategies will you recommend to someone planning there are big-ticket expenditures uh like starting a family buying a car or a house uh this one is quite simple actually uh the strategy that I would uh recommend them is to


after paying the down payment and after paying all the down payment and like insurance or this let's uh for example buying uh, (ppc) for buying a car or for buying a car after you minus up all the uh all the cash that you need to put up you see whether your bank account still has uh uh has a


amount that will enable you to uh continue paying for the loans even if you lose your job for six months, I think that's one of the strategies I'll recommend them to look at so basically if they lose their job they're still able to continue paying for the vehicle because some people they are literally living on whatever pay they earn so whenever something bad happens like an accident or health issue or or they lose their job


they they they immediately run into cash flow problems and that is not how that is not how I would recommend them to buy a vehicle so basically the budget that they put aside for their vehicles should be should be uh have uh something to fall back on after that if anything that happens


uh okay should I DIY or get a financial advisor to plan my finances


uh right now I think DIY is fine because I haven't really uh bought any portfolios or anything that requires a financial advisor to help me plan, uh actually I'm also not sure what a financial advisor does exactly also so I think it's like uh unnecessary costs and ya it just benefits them mostly more than me that's how I feel at the moment ah


okay


negative experience in your life, uh what is my biggest pet peeve or what annoys me the most


what is my biggest pet peeve uh what annoys okay the first thing that comes to mind is waiting for lifts I really really hate like queuing up and waiting for uh waiting for lifts in general or or queuing up these are the two things that I don't really enjoy but I think I hate queuing I hate waiting for lift the most


so I live on the second floor which is quite fast but like sometimes if the lift goes to level ten and I have to wait I'm quite annoyed by it, or if I go to a high rise building I hate going to those or buildings with slow lifts yes so I I spend like I feel like I'm wasting my life away like spending five minutes waiting for for lift to come just one of my biggest pet peeve waiting for lift


shut up okay recall


recall a scene from a movie that made you cry in sadness


err, I'll just say the first thing that comes to mind, hello you want to continue


okay ya I'll just say the first thing that comes to mind uh what did I cry in sadness uh, err I think marley and me like when the dog died and like ya I think that was one of the movie make me cry in sadness cause like I really like dogs and like when dog dies is very sad


oh ya the notebook is one of ya


describe what you dislike about the older the younger older generation


uh


I think what I dislike about the younger or older generation is the same thing so the younger or older generation all think that they are better than you so it doesn't matter whether you are older or younger they always think they're smarter or better than you which is quite annoying like everyone thinks they're the best


ya so I dislike uh I dislike that lah they always think you if you are younger you have less experienced but you somehow think you are better than the current generation and if you are older you think you have more experience and you are better than the younger generation so both ways both is the same thing lah they all think they're always think they are superior


ya, (uh huh)


worst travel experience, uh my worst travel experience was, actually now that I think back is not consider the worst but I probably made it the worst so like when I was young I went to china and I really didn't enjoy it because it's just visiting temples and like ya it's really boring stuff for a kid lah


which I would probably uh appreciate now but I made I didn't enjoy the experience back then so I really like made the experience a bad experience myself so it's my worst travel experience china, ya


uh basically uh if I'm arguing with someone and they keep bring up like irrelevant points uh to put me down then I feel like nothing I do is good enough ah


uh I think like in secondary school or poly around that time like there's a lot of like uh drama which like you think about it like you think back now and the things you do back then is quite cringey


like all the friendship politics and drama is quite cringey so I think those are like embarrassing moments which won't happen again


uh like maybe when a lot of bad things happen one after another like in a short period of time like maybe you get a, uh you get a fine for you get fined for smoking and then you get a fine for speeding or after that you get you lose your wallet or within a short period of time so like you feel like


the world is against you cause everything bad keeps happening and like nothing good happens to you ya


uh I think I brought my uh my family dog out for a walk when I was a kid and alone with the dog so like I expected nothing would be happen nothing will happen cause I always bring the dog out for walks, but there was this a golden retriever that came along like he was unleash and running around I didn't think he would do anything but he like ran towards my dog and grab it by the neck he beat it then he swung him around like a like a stuffed toy and meanwhile I was just screaming and like


everybody in the park was just watching and nobody came over to help so like I watch I don't know how long you you felt like eternity but I watched my dog get attacked with no adults coming to help and I was just screaming until I think a few minutes later, like because my grandma house is opposite the park so I think my parents and my grandma heard me screaming then they came over and they started err


they started beating the dog and trying to get it out but the dog it still wouldn't let go and continue attacking my my dog so uh after that finally like somebody took out their shoe and whack the dog's face then he let go of my dog so uh then after that we quickly brought the dog


back home wrapped him in a tower but he was bleeding like crazy already then we uh my parents drove him to the vet but they left me at home so I just have to wait and like pray like nothing will happen but in the end my dog still died so it was really traumatic cause


it felt like uh I couldn't do a single thing at all because I was just a small kid and the dog was really quite big, size and really fierce and angry and I couldn't do anything about it was traumatic uh watching watching my dog get killed in front of me


ya sure uh have you experienced any lost in your life bla bla bla bla bla describe your emotions at the point of time you how do you deal with the loss I think is the same incident as the previous incident where my dog got attacked and killed in front of me so that was the first time I experience any death in my life and


luckily I was still a kid so I could still express my emotions by crying a lot and I felt I just felt uh really sad all the time when I kept crying and I just cried every day I think for like one or two weeks and I was like distance myself from everybody and just was really sad


and ya I just kept thinking about my dog and I guess like all the crying and stuff help me deal with the loss after that


how about losing your wallet


have you ever been ostracized or felt ostracized recall the experience and describe what you felt at that time uh I guess like when I was in secondary school and poly I had cliques so like the was friendship politics over uh and like


I guess I have been ostracised a few times I guess like where my friends make plans and not invite me so like when I found out I felt very betrayed and, sad and


I felt uh I felt like I treated them as my good friends but they didn't treat me the same way so I felt angry and sad at the same time and uh it was not a good experience but I guess like it taught me like to not to trust people so easily and


and that, it's not so good to have a big friendship circle as well it's just good to have a close circle of friends that you can really trust ya


uh I think there's like quite a lot of disgusting things in the world but one of the thing that disgusts me most is vomit I cannot look at vomit or smell vomit I think it's damn disgusting


what disgusts you what hello the question is what disgusts uh, (uh huh)


(mmhmm)


my greatest fear I don't think I really fear dying actually I'm not sure whether if I fear dying but I think I fear I fear uh painful death I guess or like uh having to endure a lot of pain without dying I think that is worse than dying


than uh, ya if it's a quick death I wouldn't really fear it but like if I died slowly like in excruciating pain then I would feel it or like if I drown to death of burn to death or like got into accident but didn't die immediately then


that is one of my fears ya so I guess dying is considered my greatest fear yes uh I have a fear of heights also so I don't want to die from a high place


positive experience in your life


yes hello can hear me hello hello hello hello, hello hello hello hello hello hello hello ya positive experience in your life ya


uh a hobby eh


I think for me I think like last time we didn't have handphones and stuff so I did all the random stuff uh like playing football in a void deck or uh, riding my bicycles around the neighbourhood and watching a lot of TV and cartoons those were the activities and hobbies that I felt happiest doing as a child


ya hello hello ya can ha


uh okay uh what were the best parts of your childhood uh I guess the best part of being a kid is not, having to worry about having to go to work or having financial commitments and ya so like when I was a kid all I wanted to was grow up but actually I realise like


ya ya we can hear each other oh man I can hear you


okay, uh what's the best thing that you have done for yourself


hello can you hear me can you hear me, ya uh okay so one of the I guess it's quite easy for me to think of what's the best thing that I've done for myself uh basically my


uh how how about now yes yes hello can you hear me, hello hello hello hello


hello hello hello hello hello hello hello hello hello


hello


ya can hear me hello


uh where we were we uh what's the best thing that I've done for myself


to uh what's the best thing I've done for myself !wah! uh one of the is quite I think it's quite simple one of the best thing I've done myself would be uh saving money and purchasing my own vehicle I think that's one of the one of my most positive experiences as an adult


err ya, it makes me feel like I have ownership and I work hard for something and ya I get to use it every day and enjoy it


(uh huh) me first, uh err, uh


I cherish I cherish you cause like you make my life a lot better okay and and like uh I think my life is like a lot better after I met you then err I guess I cherish my family even though like sometimes we argue and stuff and my brother


and uh I don't have many friends but those friends will have been with me like for over ten years I think I cherish them as well and they have my back when I need them so ya


!wah!


so what's the lyric


oh okay, uh best song lyric I've ever heard wah that's a tough one can I skip that I can't think of anything right now there's like too many


!wah! I would okay kay I thought about this a lot of times already if like I won the TOTO or what, so my life as a millionaire will be very relax I wouldn't throw I wouldn't throw my resignation letter and quit my job because that's stupid so I will just continue going to work


and like uh continue getting money but the money that I get from uh, ya if I was a millionaire ya anyway I'll invest in a house basically first things first things first, then I would err I would


ya I'll invest in property and like try to earn money from it maybe from rental or or selling and buying over time then after that I will buy my dream vehicle because like you only live once and I want uh like own like all the stuff all the vehicles I want to own before I die then I would go a lot of holidays and travel a lot


and ya I wouldn't think so much about err ya I was, spend a lot of experiences that I wouldn't save on it lah and like food and travel, ya ya ya


I say I invest also what


describe the moment you felt the luckiest the moment I felt the luckiest was when I met you because , ya then uh ya then uh what other, moment I felt lucky uh maybe close shave with death like on my bike so ya lucky to survive and


not die and ya I guess that's all


describe describe a travel experience that left you in awe uh


uh travel experience ah , I guess I seen quite a lot of like nice places in malaysia and thailand but one of the experiences that I couldn't


I think that uh I only had it ones would be my work trip to new zealand so like all expenses will paid for hotel was really nice paid for also and I saw like the scenery the view was really nice so uh


they had this peaches which were black then after that our hotel was uh we had a cottage a personal cottage and it over it was on the hill overlooking the sea so, uh ya there was a travel experience which was really cool and ya the weather was really cool so so it was nice and


ya is basically new zealand I just got to see a lot of nice scenery and I got to ride a motorbike there also it's like a dream come true and it's all paid for also ya that's nice


me first , uh okay I'm a big yellowcard fans so like uh I can like memorise the lyrics of ocean avenue and only one so I think yellowcard came to singapore for one last time before they disbanded and they performed at MBS


and my friend is the event organisers and and ya so he got me tickets to the event and I really ya there was a time when I really couldn't wait to attend the event and look really look forward to it, ya


hello, I think I'm like hearing like somewhere else talking double-tap your phone where's the moderator


ya hello I can hear someone else talking like double tapping the phone and giving instructions, uh no I can't anymore


okay K uh what what, what's my best surprise uh


I guess like my secondary school friends giving me a surprise birthday party I guess there's one of uh that was a good that's one of the good surprises that I had not much ya


my biggest blessing in disguise was I guess getting kicked out of school so like, ya so I guess I I was in a pretty good school back then then I didn't really study and she so I got I got kicked out of school but after that I turned around and I got like eight points for uh my


my O levels and I went on to do mass comm and stuff so I guess that like help me turned around my life and not, mess it up because like it was going in the wrong direction until I got scared, by the by that ya


alright, uh !huh!


uh


I guess there was quite a few times like my vehicle broke down or ran out of petrol and like in the middle of nowhere and like at weird timing so like I know like I can count on my friends I call them so they still came down despite the weird timings or like far locations


they came down all the way to help me in my time of need and ya I'm very touched by that lah


you first


the happiest moment in my life, the happiest moment of my life I guess was like uh IKEA in malaysia


hello are you still there ya ya ya okay ya, so like I think we all remember what happened back then with the uh with the poem and the proposal and stuff ya that was one of the happiest moment in my life like I was smiling the whole day ya felt like king of the world


ya, okay last question man


uh funny inside joke uh, last time uh me and my group of my friends we have one good friend which was quite short so we always uh made fun of his height then there was this one time we tease him so much and he got really angry and he screamed at us then but after that we never saw him get angry again so we always make fun of that moment where he lost his temper cause we made fun of him


ya okay


yup correct all right


part one finance, okay so we're gonna talk about like talking let's just start talking about CPF money right so do you know anything about like CPF money the investment scheme or do you yourself invest in it


okay uh okay, actually I feel that the CPF money is a good scheme you know for those who are looking for low risk investment schemes because I feel like some pros that you can get when you put money in your CPF special account would be like interest rate that beats inflation


and the special account also actually ensures that us singaporeans right get uh retirement fund that get at least five percent per annum which is above the inflation rate of about three per cent, ya and I think


that's also the case because if you ever go bankrupt right creditors can't take money from our CPF you know so in a way the CPF investment scheme ensures safety from creditors as well


ya (eh) okay because the thing is right if I go back to my room the wifi might be a bit


laggy, ya okay I I try to move back I'll move back and then we'll see if the wifi it's okay, okay hold on


okay uh I think my wifi here might be a bit slower but it's much quieter here, can you hear me hello


can you hear me now okay, ya so I shifted back to my room it's a bit slow the wifi but it's much quieter here


uh so I get I didn't pause or anything you know so it's just it's just it's still running, okay ya yup okay


yes my appen apps still recording, uh yeah it's I think you were saying something


ya (mmhmm)


that's true and I feel like the fact that we can only withdraw it after so long might result in some people feeling discontent you know because I felt like some people may feel like oh we spend our own money what or like what we spend our own money on is kind of our own business so maybe the government shouldn't interfere in imposing restrictions on what CPF money should be used on


additionally I feel that some of us perhaps you know might be better or might be able to manage our finances well you know and may not need such a scheme to plan for retirement


ya and I feel it might also actually help the elderly you know in terms of


shielding them from rising healthcare costs because we know Singapore has a pretty high standard of living right so and we also have an aging population so you know I feel like all these all these things can at least in hindsight help the elderly with with


with that as well so ya I think overall I think the CPF investment scheme would be a pretty it's a pretty decent it's a pretty decent you know thing for us to do ya I think government government get uh get set it for a reason


okay so okay on top since we're talking about like investment right what do you think, about Singapore savings bonds because, for me I think that the Singapore savings bonds is actually quite a safe investment venture because it's one of the investments that is fully backed up by the government you know and I think it's quite easy for people like us to


uh sort of apply for it, because it's actually open for individuals aged eighteen years and above so basically us you know and all you need to do is to open a bank account you know with one of the three local banks and also set up an individual CDP securities account so I think


actually right I was thinking about it I think one point six six percent may be quite little right if you put it into perspective compared to like other investments you can get out there but considering the fact that this is a bond that's under, like this this a bond that's actually supported by the government I think then it'll be risk free so in a way it's kind of worth it you know


yup yup


yup yup, and I think if and cause for this bond right they allow like uh they allow you, and they're very flexible with regards to like where you can when you can redeem it so from what I know right when you want to redeem your money from for this bond you can actually get back the principal uh money back with accrued interest by the second business day


of the next month which I think is quite fast right I I don't think that's ya I think it's quite efficient, ya cause like we're we're broke so I think this is a pretty it's a pretty good thing for us and


from what I know I think if you can if you want to compare this savings bonds to that of like SGS bonds or T bills right, there is actually the minimum investment bonds for SGS and T bills happens to be actually be twice than that from the savings bonds because I think the investment amount minimum for that is like one K


which is way more you know than the five hundred dollars and they also have a maximum investment limit for savings bonds which is around two hundred thousand dollars which I think it's pretty reasonable for for those who just want to start up investing you know like us


, ya ya like we may not be we may not be that confident in it right so this is like a it's like a good start out I guess it's a it's a good start ya with a good beginning (mmhmm)


so then uh okay if you're on the topic of investment right what do you think, about like uh between automating investments like using robo advisers versus like passive investment like which which which one do you think if you were if you were to invest in uh for example in the future when we graduate which do you think you would you would engage in you know


and like what because I mean I had my thoughts on it right what do you think about it


ya cause then I guess you can say for passive investment


usually your goal is to match the performance right outside certain market indexes rather than trying to outperform them so in that sense I feel like if you were to become passive investors , what we will try to do is try to more of like own all the stocks in a given market index in the proportion that are held in that market index you know so I feel in that case perhaps the determinant factor


to decide which type of investment be wanna engage in would be like maybe the reliability like you said of the automated investing digital platforms, like you mean if it's trustworthy you would you would go for it right to be honest


and good reviews, than your own judgement ya , ya sure because I think if, like if there's a chance you know there there's a reliable automated system that can help us beginner investors pick a better judgment then that will be great because you know if if you were just starting out


then there's a high chance that the judgment that we make you know about how much you want to invest or what we should invest in could be something that may not really end up working in our favour you know so ya I, I think automated investment then will be a good option for for people like us do you know of any robo advisers out there though you know that that that's good or that works so


oh okay


(mmhmm) (mmhmm)


ya because from what I know right robo advisers actually charge like a very low fee they only charge about what zero point two to zero point five percent of like the client's total balance account , but if you want to compare that to a traditional financial planner right they will charge a much higher rate of like one to two percent or maybe even more you know for those uh like commission based accounts


, there was I think I think I think I've heard of so it's quite a quite a popular robo adviser right but it is it has no minimum ya, it has no account ya it has no account minimum ya and I think I think human advisers also right like we wish will wish to take on like high net individuals you know who need a variety of wealth management services and can afford to pay for them whereas


the you know that's not the case for robo advisers like you know they don't really like it just works so I think personally for me in the future if I were to start investing automated investing sounds like a pretty pretty good option like to start with in comparison to passive investing right


ya and I think this overconfidence right in the stock market like with with us being overconfident that it can rise further in the immediate term may not necessarily be true you know because


nobody can guarantee on it cause it this kind of things nobody can guarantee that the stock will rise continuously forever so I think when it comes to this the strategy itself is


, how high is high enough yes it's true


and certain I guess in order for us to consider it as a good investment strategy , we need to know other than as investors then we need to know what we really want you know and what it is that what is it that we are aiming for as well as to understand our risk tolerance so then I feel like when when when we know what we're trying to accomplish


and how much risk we're comfortable with taking then only in this way I feel then that the whole buy low sell high strategy is a good investment strategy, right ya


so


, ya


, but why why do you think that's the case though because from what I know, okay from what I like like just people a lot of people saying that there's a high chance like the economy won't recover you know they like I heard I've heard I've seen like news I've seen news reports saying about how oh this


this may be something akin to that of like the okay not not as bad as the asian financial crisis but it's still really bad you know so , how are you how how do you know like how are you sure though then that, that the stock market is really recovering considering ya considering that the economy is in pretty bad shape now


okay I mean I guess it's true like okay from what I heard right that expectations for twenty twenty rise right , I've heard that corporate profits have actually stop plunging and maybe because there have been news you know that there's a small progress towards vaccine like if you've seen the news nowadays right they they've said that oh there's some developments here and there but the vaccine maybe it will come out next year you know


so I guess since there's that like glimmer of hope that you know things will go back to normal the economy might just continue running then I think that's why this has made many investors bullish


and he said that uh because at least we can conclude then that , the whole stock performance outlook may not exactly look rosy but at the same time it's not exactly pallid either you know like the FED has has started new programs from what I know to buy like treasury bonds and like other financial assets to calm investors


alright and there are also actually like investing those programs but essentially creating new money


ya it's not too bad lah ya it has it has hope it has hope it's not it's not like hopeless ya I think by now I think maybe in a few years time hopefully then I think the economy will be able to maybe get back to normal ya so then ya what you want you wanna add on something is it


uh okay to be honest not really I mean I have general knowledge but I have I don't think I have I have never actually like , gone to invest it in something you know I mean cause to think to think technically we we're still in uni


so I guess for now since we're only university students there's not as much need for us to depot into the stock market and start making major investments you know I feel like for now our finance oh


part three negative experiences


okay uh you wanna go first is there anything you want to ask me about , okay actually


okay I guess the most basic answers we would have you would say it's like about school life right but I think it's it's more than that I feel like one thing that I definitely worry about all the time is being able to balance between my work life, like my part time work versus my school versus doing what I love because for example recently I


I really wanted to like you know there's like you you know that there's some like volunteering programs going around right like and usually the legal age to, like join this programs would be like eighteen you know so before this like maybe in JC or secondary school I couldn't do but now that I'm in uni like I can do it so what I really hated recently was the fact that I was I I had a trouble figuring out


you know whether I should sign up for these programs just because I'm busy you know like I really really want to sort of give back to society and like be part of this program so that I can help people but at the same time I wasn't sure if, I have the time to even do that you know balancing with like my my work schedule and and my school schedule


you know so I guess there was there was one thing that I I would I have been recently like stressing about in the end at the end of the day eventually I I sign up for the program but at the back of my mind I'm still worrying about it you know like whether or not I can commit because when you when you join this sort of programs


you are supposed to give your everything you're not supposed to give the the people you are helping out like fifty percent of your effort, you know so I'm scared that if I'm too busy with or if I'm not able to really balance from work school and you know volunteer work like life well then I may not able to give my hundred percent to these people who really deserve it so ya I guess


then my main worry would be about balancing doing something I love versus doing something that I need to do you know what about you


wait really oh ya


oh okay ya, , ya


(mmhmm)


but it's like the only route for now that you feel like you can take right


then since we're talking about stuff that you may not really like right are there have you actually gone through like any loss in life or , or like loss like a maybe a pet or or someone close to you because for me I have like right now I don't actually have any more grandparents like I loss all four of them and like


for for some reason though like I even though I did feel sad that they weren't around but , I guess you can say I wasn't really super devastated by it maybe because I wasn't close to them at all you know like I really wish I grew up with them but unfortunately I didn't grow up with my grandparents any of them in fact


so I just saw them like once a year for like the holidays you know but I didn't really constantly spend time with them so because I was quite distant from them, when they all passed away even though I felt sad that they weren't around it wasn't like those gut wrenchingly


gut wrenching sort of sadness you know so ya I guess to me I haven't really felt that before what about you, is it weird


that's true ,


oh my god, it it happen too suddenly is it that's why


[orh], then that's good then though the fact that you can you're able to find a way to like deal with it I think that's that's not something everybody can do


so then is there anything that that makes you stress though like just generally in life


oh, okay you see that is something I wish I had because I'm actually easily affected by my surroundings so like for example the opinions of those who are very close to me really matters a lot to me you know so


if let's say I I get into an argument to people who are close to me you know or , and and and if it doesn't if we don't reconcile in time or something then that that's what makes me stressed because I get really affected by by by the things they say or the things that went on and I'm not really able to sort of


detach myself from that situation or detach myself from that moment and then it eats into the rest of my day, so ya that's what makes me stress quite a lot, and I wish I can I wish I'm able to overcome this but ya it's quite it's quite difficult ah I that's why I sometimes I wish like I have what you can do but unfortunately I haven't been able to reach that that stage yet


you know (hmm), okay I have like a lot but I would say uh I would narrow it down to like two so what happened when I was really young so like I think it was when I was in kindergarten or maybe even


primary one primary two so I'm like okay my dad just fetch me you know from from from school so we were walking to the lift lobby and then suddenly at that side there was this elderly man and he was walking his dog I don't know it was really huge it was like those really really huge dogs I don't know what breed it was but it was huge and then suddenly he just came running towards me you know


and then when I saw it I was I was like oh my goodness I I was really scared cause I was very small so then I didn't know what to do and then I I got scared and then I panic and then I ran, so then I ran away from the dog and then the dog just ran again after me and then I I couldn't make it to the lift lobby in time so I ended up just squeezing myself between like this two like small pillars because the dog was too big that it couldn't even put its head through so when it reached me it just tried to bark and put its paw in and try to like


like reach inside to reach me but it couldn't so then it just kept barking and barking and then I was so scared I just started screaming my head off , and I I started crying so then my dad came and he helped to scared the dog away and by that time cause the the the owner of the dog was uh was an elderly man right so he couldn't really like run up to stop the dog so only by that time then the owner was able to catch up


and and at the end of the whole thing I was just I was just really traumatised by it and so that's why when I was younger I grew up with a phobia of dogs like no matter how cute the dogs were because I had that traumatic incident right I couldn't be near dogs at all and it used to be very bad when I was younger like if let's say


I'm sitting at the bus stop right and than uh uh uh an owner comes right and with the dog and sit beside me I will actually get up to go to the other side of the bus stop so that I won't have to be really close to the dog because being so close to the dog give me like anxiety attacks, ya but


ya actually ya it has it has actually like now I'm able to stand beside dogs or be near dogs like at the bus stop at a traffic light , or walk pass them like last time I couldn't even walk pass them you know like last time if let's say someone with a dog is walking towards me I would take the super long way around


the person to go to get to my destination but then now I can walk pass it like I'll okay I can feel my heart beating a bit faster than when it happens but it's not that bad you know like I don't get any I don't get anxiety from from it as much anymore so that's a huge improvement I think


oh my god wait was it like a surgery or is it


oh and that happened a a couple of times is it


oh like stingray is it, so you really don't eat fish at all just because of that, !wow! okay so it's it's just more of like a bad experience for you that that's not really traumatic lah but


you just just fear to fear to eat it again because you scared you go through the same thing, , oh oh right okay so a few years back I had to take this double two star kayaking cert right


and I don't know if you've actually gone for it but if you were to go and sit for that course and cert there's this thing where you have to there's this like drill that you have to learn it's called the eskimo bow drill so you have to like , capsize yourself use your body weight to capsize yourself and turn yourself over a hundred and eighty degrees into the water head first okay


and stay there for like maybe about five seconds before using your body weight to like flip yourself back up, that sounds that sounds really easy right but it wasn't for me you know because I can't swim so I'm really scared of being underwater so the idea of going head first into the water voluntarily was just it was just so it was it was


it just frightened me so much and what made it worse was that the instructor I had on that day was super strict and he thought I was being dramatic so when he saw that I like I was having a panic attack before starting the drill he thought that I was I was just like faking it you know I just didn't want to do it but actually no I was really really scared


so after the first, practice session that I had right like it was so bad for me to the point that when I went to go and shower when I take a bath after the whole kayaking session I remember like crying in the shower because I was so scared from it , but then in the end I managed to


like do it and eventually get my cert lah but it was it was really way too difficult so if you ask me to go through it again I will never do it ever again like I don't mind kayaking but I would never do that drill ever again it's


no but I just don't know how to swim like I know like I've learned I tried to learn okay like I remember in primary school I don't know if your primary school had it but my primary school had those things where they they they brought you to like learn swimming when you're ten and I've had that but it just didn't work and then basically my friends also like tried to


teach me how to swim but I ended up drowning her almost drowning her while she was trying to teach me how to swim so I think I'm just a gone case when it comes to swimming , like I'm just I think it's just a fear that will never go away , ya


is there anything though that since we're talking about like fears or ya is there anything then that uh holds you back from achieving something you want or like your aim or goal and stuff


I think the biggest thing that holds me back would be my indecision like


I does this sound weird cause for me right like I feel like because the the the thing that I'm studying now you know it's kind of vague okay I won't say it vague but it's definitely not a typical sort of like


job road maybe so I guess in a way in that sense when I graduate there's a lot of like a lot of options that I can do a lot of option I can take a lot of roads a lot of routes I can pursue choice is may seem like a good thing but at the same time I feel like it's kind of a bad thing also you know because


then that makes me very indecisive I don't know what is suitable for me or what is not , and because it's not like a very specific like route right there's not really someone I can turn to specifically to ask about that cause it's something quite generic so then in a way even though you think like I will know what to do with my life now that I'm in uni but no actually I don't you know like I it's it's still quite kind of fuzzy


and I I guess I just kind of indecisive in that sense about what what I should do where I should go which I thing may be a common concern or common thing that a lot of students may may go through, but at least I mean at least for you you don't you don't have that right


that sort of indecision cause you already know what you want it's just more of like you can't really do it because you have to take something that's more realistic,


right, it makes it feel like it's not really learning you know it makes you feel like you're just ya


so I guess the biggest thing then that will hold us from achieving whatever we want to achieve would be I would say aside from like indecision that I mentioned I think would be perhaps interest you know passion to be able to


like you I felt like because kind of in the high high high fast paced sort of education where where where we're living in, we really need to have that interest for us to be able to achieve what we want and determination you know especially


keep


kay then which one will you prefer though will you prefer like pursuing something that you are interested in, but you may not be that good at or pursue something that you may not be that interested in but, you are you are good at


the second one is it it's more realistic


part two positive experience


okay so , let's try talking about travelling are you do you have any any like memorable travel experience because I'm I'm sure we've all been to like some place really nice you know what what's yours


hor, that that's pretty that's pretty like that's the kind of something new for you right because I mean you're pretty introverted so that's that's probably like you stepping out of your comfort zone in a way then then what did you do with there though


okay that's really long is it like is it like a mountain


oh okay, okay yours sounds so I don't know so much more meaningful than mine because, mine was mostly mine wasn't like a


overseas community service project slash uh holiday kind of thing mine was just a holiday you know it was quite recent also uh I went to Australia like maybe about let's say one or two years ago and I think it's most memorable for me because we got to experience a whole new different


like environment there you know first things first it's it's like that was my first time going to like a country that's completely outside the southeast asia region you know so then like when we went there I think was around winter time so we don't have ya so we don't have that kind of