ah, because our family we don't usually, uh we're we're not the type that that says like oh I love you or like we hug each other often like we are quite , quite uh we don't really show love uh, uh to each other so I think the fact that


like me and my siblings we plan like uh father's day celebrations for my father, and he was, genuinely like very happy even though he, he couldn't really express but we we could tell he was really happy lah it kind of just made us appreciate having a family like having a family with us ah


because I have a lot of friends where their families they don't they don't really stay together they didn't they maybe they divorced or something so it made me just like appreciate these little things in life ah having my family, by my side yeah


, , ya because I rarely see my extended family so when we actually come together and I talk to on my cousins and just like catch up on life and I think it's a happy


knowing that they're, you know doing great and something in their life and it's always like funny as we, talk about the past how stupid we were last time, yeah, it was all fun fun in good time


yeah, ,


, definitely ya


it's just the company uh ya, , , ya I see ya ya uh happy I would say I have I have happy times


ya uh I have happy times ya


(ppl) laugh once a day


prompt one out of four


, or probably do, probably wouldn't do fifty fifty as not too sure about the stocks market as is very volatile at times but I can see why you want to do it it's actually especially have a million dollar you don't really lose up much and I feel that


you could also , have a, good chance of getting back a lot lah so, yeah, is actually not bad but then how do you feel like, what if you are not too sure about the stock market what what do you think you will do though


yeah makes sense now yeah passive income is actually quite it's quite a good thing so, ya but I feel like I'll be more inclined towards investing also cause I feel like investing is a is a thing that has been around for a long time already and it's actually


I would say is a low risk low risk high reward depending on if you do your ah your background checks and all that so uh so do you actually have any experience or deal with investing before,


, what are your opinions on investing ah do you actually think like it's good or would you rather not waste up your money to invest what do you think about it


ya true ya I actually have a okay not me personally but but a close family member might actually have a quite a bad experience with investing where


as usual it worked out well at the start maybe like in the first or second payout and then slowly slowly like the the the person that they invested in like stopped contact or has a lot of delay in payments and all which is


which is really unavoidable but this kind of things is kind a it's not really, good lah ya that's why I feel like investing like I say is good ya but is also a bit like kind of like you are gambling your luck also but I feel like I wouldn't mind taking the risk if if I manage to at least earn back what I put in at the start ah


yeah oh, ya that's why go on go on


oh so have you ever touch on FOREX before


oh , uh


few ya I heard a FOREX is uh definitely highly unpredictable also right and there's thing there's a lack of consistent outlook in FOREX as well where no matter how much you research or you keep in a, uh, market like twenty four seven everyday you'll never know like


it can just drop one or go up yeah, right I think there was one point of time where where china it arrived as a the global economic power so this I think this affected the FOREX market a lot I'm not too sure about that but that's why I heard ah so you also like have a super high chance of


losing a capital am I right if I'm not wrong, yeah


ya true I hear FOREX is a few where you touched mostly like as you grow older but what do you think about those, uh let's say a student like maybe your secondary school JC those age what will you how do you think they should like plan for their investment journey as they're growing up


uh how you recommend ah


ya that's true lah now I means nowadays that's true that's true I think saving is really important and knowing like to buy what you need and not what you want is also important is like you need to have is good to have a lot of


self control also right I think more a lot of students or teenagers nowadays like they buy a lot of things on impulse and the things that they buy don't really come to use anymore and it's a really a waste lah so like I think I feel like as growing up if you can learn


to save and actually control your spending it will actually help in a long run as you grow up cause this I feel like this good habits will continue ah as you grow up, yeah sorry


, the,


oh, , probably around the same but I'll have a maybe a few options and compare I think china is a like you said the very good choice they're pretty high in the economic market


there's a, for me as a fellow singaporean I wouldn't mind try in singapore to but it also depends on like I think uh the currency maybe america is also pretty good because like their, currency as like a lot of power I mean if as you mentioned before FOREX you should roughly know ah the the currency and which which country is strong or what but there's a few


is a few low risk invests like this kind of things if you do a research because like everybody's investing everyday so I feel like if you do your research you should be able to sieve out the low risk and high risk one there's a lot of things to consider I find is like


there's I think there's no such there's never a a a thing called like no risk in investing cause you have to be ready to at least lose some ah ya that's like one of a important mindset have I cause if you go into investing thinking that you were you don't want to lose anything I feel like


be very reluctant in doing a lot of things and you will limit your possibility and a potential that you can get back, you know yeah that's why I feel lah, ya so


you know how like in singapore there is err a few financial advisors, so ya what do you think what do you think about like uh, investing with a financial advisor you know like seeking seeking their advice something like that what do you think about those people


ya true I heard that uh financial advisors like probably like a good a good like ninety percent fail in their career cause it's like it's pretty hard to to maintain you need you need money you need money to make money ah in the financial planning and then


obviously let's say for those new financial advisors this is one thing they struggle in cause, if you are a new person like maybe this your first job something obviously you will not have that much capital unless you're super rich and then you also have a hard time finding clients cause you don't have that experience on the background like the work experience so maybe people are not trust you as much as your trust like the


the the older few you know so I feel like financial advisor , is a pretty pretty risky thing but actually even if you don't invest in one like talking to one enough I feel like talking to one is really good enough to really


like set the show you a a goal ah or plan in your if you want to start investing so actually is not really I think it's not really that bad lah yeah


ya true true that's why ah when is uh that's what happen when you do when you work with money ah very hard to get very hard to get like people trust also lah


personal experience in like how do you usually save money let's say cause like we talking about investing or there's like how we get extra profit but let's say out of investing and stock market all these you have like any other way that you like save money or something like that for your savings


excuse me, , oh


oh


oh uh I see oh


true true so like I think there's also I mean there's also CPF true but I guess most people our age is probably have the same, like from part time jobs or whatever income you get like I think nowadays if you do those part time jobs if your if you earn


like you hit a amount of my money in a month you probably send your CPF also so I think that's, I think that's also counted kind of like a saving cause like in future you also using right but what do you how do you feel about CPF also


ya cause like I'm not really a huge fan of it although it does help in my future I feel like if I get those money that put in my CPF right now I could probably I could also use it for other things, like like like investing for my example but what what about you what do you think about uh CPF


uh, uh oh , ya that's true CPF is pretty it is pretty complicated lah is like you don't really know what they're doing but you just have to let him do it kind of way is letting them they control it yeah exactly but I'm not wrong this is a think is like


until you can touch your CPF money there could be a time when you do really like you really need money but it's quite sad cause like you know you have money in your CPF but you can't touch it, you can't even like touch it until like you hit a certain age or whatever that's why CPF is pretty complicated I think


in singapore there's a lot of mixed feelings about CPF maybe the adults the adults probably will understand it more but then like uh maybe young adults or teenagers they don't really like understand like oh why do I have the CPF or what that's like


I think is like one of the only retirement scheme that a singaporean have is like, yeah if I'm not wrong so it isn't like cash where you can just take it out anytime it's like a life is life annuity ah so it's like if you cannot cash out your CPF money you're think you have a lot of expense to pay for also yeah


no,


oh ya


ya I know what you mean is like at one time you, I mean obviously the government they wouldn't want to say anything bad about it and totally agree there's a lot of benefits I agree it's like there's like a hundred percent chance to get a absolute return so you do not have to worry next time you know like when you're old you will have money to be use all these things and I think


this one beats the I think, if you know you cannot use one of like the big cons is you cannot use CPF for your home payments ah, if I'm not wrong because, well I mean in everything I feel like there's pros and con lah so is so is definitely normal and it's not like the government is hiding it they actually do say like the pros and cons so it's like it's not they're keeping us in a dance so I feel like they are actually quite fair regarding this already


and who know situation may change long term and the interest may be high now for my essay but twenty thirty years when we can take it out it will change ah, that's why then


I think, I think all and all finance is a is a really bus topic where everybody have makes opinions or whatever is like there's no right or wrong lah I find and like every


every thing that you do in finance regarding investment or where you put your money or whatever you do is a good learning experience ah as you grow up ya,


yeah, what I agree yes


prompt three out of four, ya okay so well we just talk about happy experience so when there's happy there is sad as well you know so there's a good way to start this I guess you can start slow ah so what it is like your greater fear


where you are , oh ya


oh ya great really great okay obviously not but , recently it's been a very emotional roller coaster in like my life which I will not go into much


detail but I have a good friend where, used to trust me a lot and will always talk to me every day so this good friend recently moved abroad from one country to another and it's like with the different time zones and stuff you know you talk less and


it's not not like talking less equals to the friendship being dead but it's just the feeling of emptiness because it was really, important very good friend that I know it may not be like for the longest time but the time I spend together with him is really meaningful and


it's really sad to see like his he went and I'm not even sure if he'll be coming back ah to singapore so ya, pretty is very tough to deal with it just like whenever I have a problem I can always talk to this friend about it and like not only will he be there like over the phone like he'll be there like in real life also for me


so like, one day when he just break the news that singapore isn't enough for him he wants to go big and travel the world or something ya, ya, pretty is a pretty sudden ah I will say uh not a not a very


not a brightest moment ah, in my life ya, what about you like how do you feel recently


ya and, I know what you mean ah right I think it's a very normal thing going up lah but, well there's lot of negativity right just depends on how you cope with it no do you have any like traumatic experience though in your life


or incident, oh yeah it's


ya, understandable


yeah but as for me traumatic experience


I have very little traumatic experience ah but I guess one that stuck out to me the most is when uh, was at my my father passed away when I was young it was I was pretty young but even so it was pretty considering how young I was it was pretty traumatic experience like seeing a loved one dying in front of you like when you're young you know you don't really think about all those things like you don't even know people will die you know it's not even a


doesn't even like occur to you and then one day you just learn that oh people actually can die and it happening to like, person that is super close to you especially like a parent at such a young age is really really affects a lot on like your growth it made it made me a bit I would say like such like


just like you lah closed up like I put a wall around myself really hard to talk to people cause I feel like no one really understands me in the situation like not not a lot of people that age would have experienced kind of thing you know you can't really relate to you, and like don't even like if they know what you are saying sometime so yeah yeah and it's not really a thing you talk to your parents so a bit awkward also you know being a being at the age you but you don't really talk to parents much about everything already so growing up with this traumatic experience


actually say it really changed at who I became lah as a person but this kind of things are unavoidable and, I wouldn't say I regret the way I grow up but it's just how it is yeah


is like so speak me apart from like traumatic experience I guess when you talk about traumatic experiences also like sad moments so like is there any saddest moment in your life that you could like you can think of


yeah


yeah I


yeah while, you just in case I would say like, knowing that every time no matter how hard you work, and no matter how much effort you put in in whatever you do sometimes it's just not going to work out be it your work or be like the your the things that you want to strive in or like your relationships is like sometimes it's really not


is like out of your control ah it could be like who knows it could be like being be with this person for like a long time and the next moment the person could be gone, something like that you don't cherish enough that's one of the things that pretty sad about that I can't see it I can't tell the future I mean I would say ah but


I think if I could I would probably change a lot of things lah like I don't know what's going to happen next and, having like a lot of sudden news come up to me one by one is really takes a toll in my mental health and everything ah and it's been really troubling especially recently and knowing that you cannot do anything about it


it's pretty pretty sad lah is like I mean I think things will just change one day and even if you managed to fix the, problem it will not ever be the same lah the things that we think about the very simple things you take for granted like you know like those uh those hi and byes that uh could be super natural like those good morning good night when one day you won't even get them anymore ya those kind of things yes


pretty sad if you think about it lor I find, it's it's like I put a lot of effort into like a certain goal I have and knowing it is not enough lor, like you what about you do you have like like me ah do you have like a goal or like a dream and you have but then like you know as you grow up you face reality then you slowly realise you know that goal is not possible something like that


maybe a goal your work your work or maybe your goal you working towards


, ya ya, right what it happen, yeah, ya it is tough definitely there's lot of sad moments like everyday lah you know and things that you work towards the dreams not just us like everyday there's always something that you give upon which is it's not a good thing yes you shouldn't give out but there's just something where it's out of your


like out of your wish lah shall you can't control it lah I find, it like no matter how much effort put in like just a few times where I put in so much effort but it wasn't appreciated okay this one not say like about myself ah let's say about other people like let's say let me try to recall


it's like you put a lot of effort and like celebrating maybe someone's birthday for example you know surprising them or and they don't look so happy about it they're like uh or like they don't really show their appreciation and you feel like your efforts not appreciated by people then is like you just stop trying one day you know


yeah do you actually have a time when like ya you put in effort for someone but you don't appreciate it you know


oh ya


oh, yeah I know that !wow! feeling ah ya I mean, people can bring happiness but they can also bring negativity ah in life and for some reason is mostly the negative nowadays I've no idea why


ya , it's like, sometime people can really affect your mood lah sometimes you just like like such as for myself I'm already I'm not going to lie ah I'm a pretty negative person already just by myself and I having this kind of things happen around me to me


or around me is really not helping either I feels like like you know why is this happening to me like, I feel like your whole life right just pretty unlucky lor like this kind of thing don't know what is oh ya always happened to you then you will be super negative about it super down about it really really discourages you lor like sometimes


like once which I got betrayed by like a friend also lah like I wouldn't I wouldn't to say the experience lah but it's like I got something taken from me lor I find something that was mine but it got taken away by someone I trusted


or it maybe it's not even someone I trusted is a complete stranger you know like that's how much like, that's how easy it is to like feel down about myself like a complete stranger they don't even know they just come in one day they just take away what is yours


just because it's ya but just because like he's better than you at something, like something that you work hard at it your whole life but he he is just better naturally and then like him being better at this thing like


got the attention of or took away something that I that I once have ah just by him being better at this thing lah yeah, so do you actually have like a lot of worries or something


yeah pretty funny I always happen before I sleep and you're supposed to be peaceful in your sleep which is pretty ironic, pretty ironic ah yeah a lot of things a lot of worries in life ah and the sad thing is like most of those worries you can't even do anything about it like no matter how much you try and it's just like I said lah out of your reach ah I mean like recently


recently I also had something that happen where no matter how much I worry every day it didn't help it actually affected my sleep quite a bit and like whatever I do I feel like I have no more motivation or drive, which shouldn't be the case lah because like this situation


I could have like it shouldn't be affecting me this much and even it did it shouldn't be affecting my everyday life else as I should still at work towards myself but for some reason like it's really affecting a lot and there's nothing you can do about it so yeah really sucks that


us humans worry worry about like the slightest thing and it can just put us off the whole day it can just make a whole one eighty your mood you know, yeah something


maybe, ya and the environment you grew up in uh definitely I mean while is all sad lah but let's say lah let's say you have like you have one thing where you can change is that something you want to change but then like you can't lah you know but it's just a what if


yeah, oh yes


true you live you born to die anyways anyways same ah like if you ask me, I wouldn't go as far as to say not being born ah since I'm born already


as well lah but maybe like, like the previously I said like my friend that went to another country cause like this one it wasn't like a a compulsory thing like it's more of his choice for leaving singapore if I could I would persuade him lah I feel like my actions


kind of made him left also a bit weird to say lah but it did don't know why, like left the country then it's like he just got fed up one day like then he just decide he need a break and he just left the country something like that I feel like maybe I will changed my action towards how I treat him and maybe it will change something if I notice sooner lah


sometime I'm a very dense person I don't really notice this kind of thing and a lot of things I say on impulse, like I'm a I'm a very different person like when you're talking to me face to face like this or like when I'm sending you sending text ah like cause in the text I feel like you don't really think you know you just type and send and sometime when you look back you like !wah! why do I do this you know those those are like the small things that I regret


ya lah so I could change one thing I will definitely change that my actions towards like how I treat that friend ah, something like that lor ya, ya I think


I think being sad you know is really something unavoidable in life is like just see lah how well you can cope with it lor and it's not uh it's really not easy thing ah to cope with so, yeah


yeah


ya is how I can, move on okay I lost some brain cells hearing that but okay, ya lah it's like how well you can Tahan lor I guess but unavoidable lah


well with with every sad moment is happy moments ah it just that quite unironically like the sad moments last longer than the happy ones ah so, regarding all the sad thing you talked about I hope you're I hope you'll be able to fix all your negativity soon lah you know


two out of four, okay you can


my last happy experience about with the circuit breaker and everything going on, I have a lot of time to actually like have a lot of time to myself to think and reflect on life because before this it was really hectic and busy every day and very a time for myself and I feel like during this period actually come to appreciate the small things that I


don't really see in my usual day so maybe anything as simple as like being able to you know go to to the gym without worries or like you know do sports without worrying about my


whatever is like is pretty happy moment ah so and like I really like this peaceful experience what about you, oh


oh , , yeah oh, oh, ya, yeah definitely


, again well true it is a it is a good feeling you feel like you are the top you know like really puts you puts you in a very good mood ah I find and especially if you are maybe playing with a friend you know it's like you share the joy together ah so yeah I know what you mean then


what about do you have any like speaking of friends ah you got any like super fond memory with your friends, maybe or family,


oh ya it's pretty nice to have it's true think being happy and you, you'll definitely help if you have a a good circle of friends like, there are people that you are you happy alone but I feel like if you have a good maybe like


a good social circle is definitely boost up your day and like just being able to talk to them or like, play like like play games with them for example like you and do activities with them it really does make you feel really happy and meaningful ah ya the relationship so ya I find friends are really important if like like ah the way you feel


and also they also like help you with your personal growth I feel like how you grow as a person because yeah our parents do bring us up from like young but once you set off all in school and stuff like I think how how a person is brought up


also , , like mostly based on like the people they meet like how their influence so, speaking of like personal growth do you have any big experience in your life where you feel like you have grown a lot as a person through the experience


yeah you know, my perfect day ah well is definitely something you don't get very often but I'll say being a perfect day number one thing


that's most important is not to waste any time in the day like yeah we have twenty four hour so like I wouldn't want to spend half a day sleeping and just lazing around it is comfortable yes but then I feel like end of the day when the day ends like, go back to bed I feel like I didn't really accomplish anything ya maybe a perfect day


if possible I'll obviously want to start early have a good have a good breakfast, start the day right like maybe I like to go to like the gym in the morning I feel is the most productive and after a good workout is like I have like probably another good a good ten hours or so to like do whatever I want it's like can catch up on


like books or like with the news like so many things so many possibilities you know you can make a friend you can like, talk to a family member can do things that you love do your hobbies so many things to do when you wake up early so I think a good start is waking up early and making sure that


not wasting any time just lazing around I think that's enough for me to call it a perfect day ah, ya what about you ya I ya


so speaking of perfect day well with a perfect day comes a perfect meal right so what's the best meal you ever had recently or like in your life maybe


I see thanks


ya true it's pretty easy to take this those kind of things for granted especially if like when the circuit breaker and stuff you really makes you like really makes you appreciate them oh so like


it's a good thing I guess it's something that you like you realise that it's something you cannot do forever so yeah it's really good it's really good time, to and you spend with people that you love and all like knowing that you're in the company of someone that also like can share or like talk to you on a personal level where he really understand you I feel like that's


really a a good thing have to make to make uh, to make you feel like happy it's like you really feel like there's someone out there who understands, you you know and you can talk about anything yeah


the thing being happy also comes in, in many forms ah maybe one form is like being successful so like for me personally whenever I'm successful in the things that I do I put effort in it already like it shows the fruits of my labour I really feel like


happy and also a bit of relief that it worked out so have you ever like took a big, risk or something and succeed or maybe not a big risk or something, ya maybe not a big risk ah but like something you put on effort in then you know you succeeded


I see so you are the type that like if people are happy you happy ah, ya that's a very ya ya continue (mmhmm) ya what was it


uh welcome, right ya let's not talk about that, okay ya I think is like the little the little things that okay this one wasn't little but it's the things that people do


that really matters lah that I feel like I'm already have a hard time being happy if I'm alone like if I don't have anyone to share my happiness with ah you feel so much better if there is someone to like to share my happiness with you know you know what I mean


yeah definitely yeah it's like you can share your joy and like, it really it really lifts up the mood lah cause like you know with like life being a bit stress you know studying working all this sometimes it's really easy to forget all these little moments that really matters a lot lah ya is like even if you have like a bad day


where I think as long as if you are uh with a friend right you can like look back and feel like okay ah I mean at least you were with a friend you know it's really a good it's like a good bonding experience I guess like like NS for example ya


what about do you have like uh a sorry, oh ya definitely I had a ya that was a that's quite a recent moment when I was happy when I got when I got a letter to for the vocation assessment to go to NDU cause it's a it's definitely something I can take pride in cause not everybody can go there so ya


yeah it's one of the those you know this the small things that makes me happy, what about someone okay maybe not me like a friend who actually did something nice for you recently like that make you feel like like you know made you feel happy


ya I know what you mean, ya it's like like I said uh I like going to the gym when my friends like when they like they Jio or they they ask invite me, when the invite me over to like a gym session there is always a really good time you spend with your friend is like compared to Gymming alone ya just be sitting standing there like talking to


myself alone listen to music I think much better than I do with a friend is more meaningful is less painful less tiring or even if it's like you suffer together so it's really good experience ah that's one of uh, is like one of the little things that people do for me that is I feel like it's nice lah feel like being nice also like maybe


not more about having it but it also when you do nice things for other people you also feel like, happy in a sense you know like you feel very like meaningful ah you know like, you actually made someone's day better this by a very simple action like it doesn't have to be like a big action you know as simple as like


you know being polite when you order food you know and saying thank you or or like opening a door for someone maybe those small small actions you know thing you really you help to brighten up people's life and like seeing them like happy it also makes you feel like makes you feel nice inside also lah ya


, so do you feel like there's anything you did recently that like make someone like happy or something, oh


oh


ya true father's day is a good example is like a it's good celebration moment there's also those like festive celebration you know such as christmas or I don't know chinese new year do you like like those festive celebration


oh ya definitely ah, there's one good time with uh families ah like me, festive celebration I also I guess I could agree with you also like chinese new year thing the most recent one I can think of is chinese new year where I actually celebrated


yeah I should be so chinese new year like when you really see all the relatives again because everybody's just so busy that by all all year round and chinese new year is like that one occasion where everybody like not just like your extended family also you all come together you know and you can really like catch up and


it feels it feels really nice to have talk all of them so yeah really makes me happy and in I really look forward towards like the chinese new year ah every year not so much as like christmas all this cause I don't really celebrate, christmas but I do remember there was one time where christmas I will go to another country and use when you see the


celebrate in another country and like their culture that's like, like I think the essence of it as long as you with your family no matter whether it's a festive celebration or whatever right doesn't doesn't have to be any occasion is always like a good time time ah where family and friends is really really important I guess yeah


well I mean you can feel happy alone also lah but if it feels way better if you know just someone, well do you do you think that you are happy though recently like like recent


ya true, is happiness is really something that can be overlooked like with the hectic life and stuff like sometime we even like forgot to sometime we can even forgot to laugh you know so I feel good advice is to make sure you


at least laugh once a day you know be happy yeah you know you can be somethings stupid on yourself or whatever but make sure like everyday there's at least a bit of like joyfulness ah so I think that's important ah being happy


yeah


part one financial related topic


okay, I I agree that err insurance is a very important part, of our life like now especially , nowadays we, we are made known that insurance is part and parcel of of your expenses not like when insurance in the past or maybe fifty sixty years ago is like a MLM scheme


but err insurance now is a legit thing, and, there are so many kinds of insurance policies around that I think, not everyone will understand


what, err what are the different policies, for your own needs, and wants, I believe that we really need to, have like, a few basic


insurance policies especially when you are working, and you can afford it just like what err katherine has mentioned, the hospitalisation fees that you you might need to fork out if let's say you don't have insurance


, you will there there is a kind of err insurance policy that we can use the cash to top up, then that is I think that is called the rider policy if I'm not wrong so it basically covers ya okay it ~ba it it basically covers err


all the hospitalisation fees that is incurred, during your stay err for both private and public hospitals depending on what you have chosen


and I think this is a very cheap and very, good policy, in singapore but


if I'm not wrong we can also use the medisave to, to do deduction for for this, I think is a add on like using medisave as well as cash for this particular rider policy


okay I remember there is err one for medisave, ah okay okay


so other than the rider policy I think another one that I think we will need is the life insurance, which will cover maybe you can choose can cover up to


sixty years old or seventy years old depending on your preference, and if it's also a monthly payment, I mean you can choose monthly or yearly payment for the life policy


yeah but err for the life insurance , I I use to pay for, fifteen years that means after paying yearly for example if I choose the yearly instalment after paying for fifteen years I can I I I'll stop paying and it will be covered until the the age that I have chosen


but recently I realise that there is another another company that also offers a ten years, and, and I go for that so end up I won't be paying as much as


when I'm paying for fifteen years, I think it will be a better deal for it,


yup, actually for talking about insurance , I I picked up I picked up another whole I I pick up another life, insurance and term insurance after my marriage


that means okay I get I got term insurance, err which is last Me for a thirty years, it will it will cover it will cover, death only if let's say in in in the event of death


these err amount of payout it will be paid to to cover for my property, so this term insurance , the the purpose is to cover the loan of my new property which you err which I have purchase


so is is not expensive, it's it's just like a, it's it's just like a form of guarantee, to to assist my the other half if let's say something happen to me


so he can he can still have the, insurance policy payout in in order to repay the remaining of the property loan, yup


actually for, for the allocation of the insurance and, savings and our own expenses, I believe there is a gauge of how we should advocate for for a few you know these big categories


but I I heard and from advisers that, and from websites we should actually at at least allocate like twenty percent, of your income, then for insurance maybe ten or fifteen percent


of your income than the rest probably it will, be allocated to other expenses, so I'm not sure whether my my allocation, is accurate, or is there a better


kind of allocation, for for insurance or, savings


okay, , I believe that getting different advisors from FA will have a different


, overview of what the market is like or the type of insurance that we we are we are getting maybe that would be, different different knowledge or different information from different brands of insurance


I think for me I I think I will prefer to get a few different FAs instead of just, putting all policies in, to, and let one FA to take care


of, because FA usually, they might not be staying for long term, in a company and they may they may just quit and and jump to another brand


instead, then then your policies will be taken over by, an unknown person a stranger, so I think, it's not advisable to, put all all the policies in


in in the in the care of one FA


okay, while the third party broker will, will also I mean the the range the pricing range it will still be the same or it will there will be more commission involved


yup, part three negative, experiences


, basically for for me I other than having your loss in, for oh loss of, your my loved one


err I, don't think I have much to say in that I think for for me that that that has a very big impact, or I will say negative experience, err probably is when


when you want to do something but err, you, I don't think that you can like do it correctly or you do it in the right way that you can actually get what, what is the


the fruits of your labour like for example if the in in in a corporate in the in in the workplace, if you are you are trying to trying so hard to, achieve something that err you want maybe err I want to climb up err the corporate ladder for example


it is not err whether your ability you can do it or not sometimes is like based on the, opportunities and, whether there is any, vacancy for you to move up in the corporate ladder for for that particular company so even though maybe you have been there for like a few years you think


you already outgrown your own position and and you want to, moved on but err, you know because the lack of the opportunities and the lack of vacancies and probably your


big boss also cannot do anything about it probably it's a, something that I feel, it's err is is like you have been working so hard for something but end up you are unable to


move on or or proceed on, due this , these err restrictions ah I would say, so when when this kind of issue happens


, I think normally people will feel unmotivated or you will you will you think of, changing a job, or, change err industry or something


so I think during this this experience the I mean this period of time it will be, it will be actually a very down period for for me lah, I think it would, it will go go on and


go on and for for for quite some time, until until I really know, err what I want whether to continue to wait or I should I just move on, and change to


another company or, change the industry I think, I think this this this err this portion this part of the, work life is, it can be it can I think its unavoidable lah for for every employee every paid employee


everybody should be able to should should, should err be going through this cycle, maybe few years you you will be, you will have one time, this kind of feelings and and to make err


decision whether to stay on or to or to move on or, to change industry it's a very big, decision which, err many factors come to place like the location the location of the workplace or whether


the expected , salary will be able to, match your current one, or it will be a, it will be a drop, compare to your current salary


and also the kind of, err workscope, that you will be handling, will be more interesting or will it be, will it be different


or the same as before and whether you can actually accommodate to the new workplace environment I think it's very important, because having a work good workplace environment it actually,


it will make you feel, better and happier when you go to work if let's say the environment is, good if not, you will you will feel that , there is no humanity in in in a workplace or there is there's no closeness and


and you don't feel happy, in in your new workplace, so I think there there there are so many factors that it that comes to place when when trying to move on move out of this, this err this situation


I think to me this is err, this is something that I I I feel sometimes you you you can feel that you are you are quite helpless you don't know whether to move on or not, or you should just you should just stay on you know stay one more year and see how it goes maybe the company might be


, evolving into a bigger organisations, or maybe the company is expanding and there will be chances that you go up to the role that you want


so ya I think this is something, that , I will be thinking for quite some time, so ya, so maybe err


for sure you can share what is the, what is another experience for you


(um) I I I fully agree by, by reacting and your, reaction it will help you to manage your


okay, part two positive experiences


for me I think the five languages of love for my higher ranking should be also, gift , it will be something that probably I have


all along I have wanted a certain brand certain bag or a certain, watch that I've been eyeing for months, so I think everyone who has like


such a maybe dream of getting err a certain, a certain item when they receive it definitely they will be very very happy, but err I think, what I, what I feel is a good birthday present will be the same as you catherine because


usually birthdays I don't work, I will just take the day off and I will sleep in, then I will I will dress up then we will I will go out with my, , boyfriend or husband now that err then we will


just just get err, good place to, sit down for brunch, I I I love to eat brunch so probably that will be a good start to a day and


ya window shopping, while while tossing the day and probably get some activities to do, that are usually we wouldn't do like maybe there's one time that err we went for this


baking session, then both of us bake err my own birthday cake, I think it was a very well spent err, two three hours at that place, and the experience over there the process


and also of course the product, is is is really good, so I think it is a very nice activity to, to do during your birthday or even , for some other occasion or even it's just err


plan, activity that anyone can, do together with friends or with your partner, etcetera, so after the activity just like what err catherine has mentioned you you also want to have like a nice dinner spend with your


your your then boyfriend so, yeah I believe having a very good dinner to end the day with a wine is is is perfect, yup, so , other than the the birthday portion probably I think


the food it plays it plays a very big part, basically my my favourite err, food err for for a main it would be a very good piece of steak


so, I had a I had, quite a few different, good steaks at different restaurants which I think it is really the the standard it will certainly be very different from what you have you know at a normal restaurants I believe it's really worth the money


but of course it will I will only go during special occasions, what about you catherine,


I I fully agree, that, probably it's the giver, that err has the has the thought and, has the heart and understands, you very well in order to


to maybe to give you the best surprise of the day err the best gift of your of the year, and, you know making you feel very happy and contented for the, for for whichever outing lah that that you have been up with


so I think efforts will will make a, it it will definitely reflect in the experience that, both of you shared, ya


I believe that , other than having having some, pause I mean having some quality time with, err, our partners there there are also times whereby, you you you can actually be very


cheer up meeting with friends whom you haven't met for for a very long time, maybe like a few months or to half a year because some friends you don't meet them every day but you know that err there are always there for you


err sometimes you might, chit chat with them but you just never meet up because everybody is so busy err some they might be busy with their work, some maybe in a different country, some will be different there will be busy with their newborn kids


and, and maybe some they they they are just err having very very different work schedule from you, so I think waiting you know having a, planned gathering with your very close and long time friends it will also


you I mean by sharing your daily life and daily, happenings for, for so long I think it will be a very cheerful session and it will also be a very


a good session that you will, look forward to, so catherine what do you think, of gathering with friends, ya


ya I I agree that the quality will be definitely better than, quantity, especially we we don't have a lot of err, time in in the sense you got to work, then after work you gotta rest and you can't you can't meet up with like people like every every day or every week so I think quality is really very important


test test financial related topic


err okay so for finance I I believe for finance the first part will be insurance, because when you don't have any money right now what will happen if something happens and you still don't have money and then you will


just be in debt or you can't get any medical help even, because turning the government subsidies there's always a limit there's always a cap and also even for hospitalisation


the plan that government, mandates err make makes it compulsory for singaporeans we pay with our medisave which we cannot touch in the first place


but be but after that there's also, a limit to the claims that we can use and what I think most the most important thing is after you're hospitalised during the period you are hospitalised or or something major happens if you don't work maybe you don't get paid


or maybe you need extended leave all this it will eat into your savings so you are already in if let say you already have financial difficulties, before that maybe your savings is is already not not a lot then during the sickness maybe you also have to purchase medicine or


things that the hospital recommends you to get or because of the hospitalisation there's a limit you will need, to top up extra cash to to pay, for them then after that you don't have anything left


in a way you feel more miserable because you get sick so if you have insurance at least all this gets covered and the premiums is, only technically one off every year or like monthly payments, in a sense


yeah, so I think insurance is important


yeah


yeah and you can cover a private hospital it can cover , restructured hospitals which is government hospitals depending on what policy plan you purchase because different plans different amount of premiums it depends on your budget in the first place but if you have no budget then you won't go for the private hospitalisation one because it's way more expensive


way more cash needed to to fork out as a winter mentioned and then, , the so ya so like winter mention the deductibles the co-insurance will be covered if we purchase this this err


extra the private is a is a top up oh from the government


oh no for the rider is only, cash uh the the basic, the basic one is err for using medisave the basic is the government the one that government makes it compulsory


yeah there's also quarterly payments or bi annually


oh yeah that's that's good because if we only pay for ten years then ten years later who knows what will, happen we have family we have kids will have more expenses definitely we need to save up for the kids' education family holidays big expenditures in the family like furniture TV


etcetera and then by then, if let's say you don't have insurance something happens then where is the money going to come from it is very difficult because everything requires everything is an expense


ya then for the, insurance ya its insurance is the like life insurance whereas what winter said is it's a it's very good because it will cover if let say something ~hap something happens ten years down the road


or maybe even a few years down the road or because I understand from this life insurance policies they cover critical illness err accidents all, these things if let's say, something happens you don't even need to pay the premium anymore maybe you only pay for a few years if you are lucky ah that you manage to get the insurance before


something happens and then maybe you only paid like ten thousand worth of premiums so far but the payout can be hundred thousand two hundred thousand or more depending on what kind of policy you went for in the first place so if you


see it this way it is definitely worth it, what is not worth it is probably if nothing happens but even so these insurance they generate bonuses every year I there is a projected cash flow


so even if let's say nothing happens your money will be like like the bank it will be compounded interest but except they term it differently projected cash flow that means if let's say you were to surrender the policy you'll get this amount


of money but of course it's not worth is not as worth it as if something happens and then you get really one large lump sum, ya then also


if nothing happens and maybe like what winter say this policy can cover you until sixty or even to seventy depends on which insurer you get it from understand some insurers they cover until sixty only some may be sixty five then some even to say seventy years old


because when you're between sixty wait after sixty years old, err the the chances of getting any illnesses hospitalised is way higher than when you're in a healthy twenties thirties even forties


ya so during during those period if really nothing happens then the policy will have ended because the coverage ends right then you get one lump sum of whatever you have save plus interest so it's like a so called, I term it in a in a in a way is like life insurance become a retirement plan


yeah


ya because right now nowadays in the singapore society is usually two income supporting, the household because the living expenses are high right


then also, err usually two people the both the husband and wife will work together so it will support the the loan, the housing loan and also the


living expenses then it is sufficient because still need to save money, for future like example kids or big advantages or even family holidays, yeah


yeah, then going back to to insurance I I for like so for for term


insurance the only difference is when it ends you don't get any any so called retirement savings I mentioned earlier but the benefit of course it is very cheap it's much cheaper


compared to life insurance so that's why people with low budget they can consider going for term insurance even though you don't get anything back at the end of it at least during this period were you really really cannot afford to have, to have err any drop in income err and any big purchase any any anything happening


to you that might because you are the sole breadwinner or because you are the co breadwinner than it might affect the household the normal household situation so insurance is to help with that so


the term insurance is a good is a good alternative to life insurance in terms of the coverage it can it can match in terms of the, the, premium of course term is so much cheaper so thats a very good alternative when there is there is low budget so for people who who have financial difficulties although they are financial difficulties I'm sure they can try to


err, plan a term insurance so in this case for people with financial difficulties in the first place their finances are not so well organised most most likely that's why that's why this that's why they are in this situation so it will be good if they have a financial adviser


to help them plan their ab their finances better because they actually do that of goodwill and then at the same time they can seek their seek the advice of the FA, to help them to to err


designed a plan for this case most likely it will be a term insurance because it's a very low premium and it can have high coverage, and also err consider to upgrade the the hospitalisation plan because the government's hospitalisation plan is the very basic one


you actually have to go through a private insurer, to to top it up to make it more, to make it more covered and then to actually not not to actually no need to spend any cash on top of that right you have to pay cash for the rider which can cover deductible and co insurance


I I think if you have a financial adviser you can always seek their advice or you can also, find one to seek advice or but I think the answer they will give right is it depends on your preference firstly and depends on your lifestyle because insurance what I understand from from my FA right is that insurance is to help you continue your normal lifestyle


while while, all this extra expenses gets taken care of so you don't have to worry you can live life as per normal like example if you are sick or because of hospitalisation your mental health ~be mental wellbeing is already


not so not so good you know in a sense so, why is there a need to also worry about finances than that were just make your mental well being even worse because you're already sick you still have to worry because of finances yeah


yeah that's reasonable also, oh I I think like there's the another kind of FA they are called the third party brokers, even if they change company they can still manage all your policies because in the first place they can sell all kinds all the policies from all the insurers so I think that is why a lot of people they prefer the third party broker I mean unless they quit lah then that can't be helped


then all your policies will still be transferred to a stranger


you were oh, commercial wise I'm not sure but I do understand that they have promotions or like staff promotions going on so their own commission can be double or even triple for this month for these for this insurer


if there's a need if let's say they are trying to promote it, so that's why they might upsell something that we might not need to earn the extra, promotion commission


yeah, part three negative experiences


okay I think negative, experiences first thing that will come to mind definitely is when you will suffer a, loss by loss I mean err having a loss of loved


one err for me, uh it would to me would be, my grandfather when he we were, not say close not that close when we were young because err


he lived in another area which is, pretty far from from my house we only visit them maybe every year once for, chinese new year celebrations some times maybe previously when I was still in


school during holidays we will actually sometimes I will go err I would I would, be travelling with my err family to


visit my grandparents more often because it's a school holidays so, actually err there was some language barrier because err because


they are you know when they are grandparents they are quite old they speak slower they understand slower so err I would I would say there is this err a bit of a language barrier


but I can always feel that his his heart he loves his, grandchildren, he will always err give give us err food give err pocket money and then he will always


plan to give for a a big #ang bao# whenever during, chinese new year I it it is although it is like monetary but I think this is reflecting his love for his


grandchildren and also I see the way he interacts with err his children or all my relatives the, the scene is always very heartwarming is is it really feels like a family because they are very close they


talk about anything everything in, life err about about some of about some changes in their in their jobs err about what they are, what is trending what they recommend


or this so whenever I see my grandfather interacting with them it is very it's always very heart, warming so I I that's why, I've in the in in this err in this way I spend time with my grandfather and


that's why I I feel for him when he fell sick err he had to be hospitalised a few times because, some , because err sometimes it was because of err a falls like elderly they are very vulnerable when they fall down it can be very serious


you don't know where might get hurt and don't know where it will make a a big impact in the health conditions, yeah so err I remember he was suffering from multiple organ failure it was very saddening because at at his age at that time


it it err it's not about it's not about how for other people, you can maybe have a little, liver transplant lungs transplant kidney transplant this kind of thing because at his age err his body and heart might not be able to take all this so in in the way it was very sad because the the doctor actually discharge him


to go back home not because he recovered but because there was nothing else he can do I think that was the the saddest part to know that there is nothing that can be done, ah howsoever and and


it is very it's very sad and because it's, like it's like err just waiting waiting, for the the time to come you know then


so so shortly after I think he passed away in his sleep, then then ya so so that's it for me it was very it was it was very saddening to know that there was nothing that can be done just just trying to spend time with him


err at his bedside even though he can't really speak maybe he can't really hear at that point of time, so, I guess err for me I'm more rational


I mean of course usually err suffering, people suffer for suffering from this this kind of losses you you will just cry, but after that I I I kind of err rationalise that


that there's nothing that can be done, maybe, err get emotional for a while but after that life really moves on, life will continue going on for you for my other relatives family members so we just have to deal with it


by managing our emotions just allocate a time period for being emotional after, that then get back on to life and


I think having a loss is is an experience, for many people it what the only good that comes out of it is probably that you should spend more time with people that you care about your loved ones


so that when anything happens there is no regrets you will feel, that, you you won't feel that I should have done this I should have done that


you you won't feel like there is this this err not in the heart because you are not able to do it, before this this tragic happens so is it can so to me is a good reminder that we shall always cherish while we have


not only when it's too late then you realise that because by then it's too late to do anything, anymore so that's what I feel what about you


I I think what you share is very true it's like doesn't matter where you are if you don't feel appreciated, it is is just very mixed can't help but make you feel very, err unhappy err maybe


slightly helpless because you, it's like you want to you want to, be appreciated but I but not being appreciated especially in a workplace that is that is something that we want to change but unable


to so for me, err in the workplace err there are definitely things that I've, done I feel that err they ya done well or they are either done err fast or they're done well but


probably in the workplace people usually focus on whether the task is done, so the the values the things that are important to us as employees versus the things important to the employers sometimes there is a gap


I mean they they are also humans maybe they also they also want to be appreciated but sometimes in the midst of busyness they forget to show appreciation, and that can be a very negative feeling like in any


place when you don't feel appreciated you wouldn't feel like staying you wouldn't want to continue err being exposed to this


this uh this feeling this this err situations, but sadly I think most of the work places they will there will always be people who are unable to appreciate you for what you have done however big or small the achievements are maybe because the focus is is on


the job done or not, rather than whether the job is done well and you deserve to be praise that kind of thing I think this is very common in a stressful environment where people have to


where we have to meet deadlines our employer have to meet deadlines everybody have deadlines to meet, they in we we maybe, err more more self centred more focusing on ourselves instead of of showing appreciation to the people around


err I I think what, we can do is err I would say what I do is I I will just accept it because, it is it is how it is


but if I want to change it I'll have to first start showing them how showing them, by showing appreciation to people however big or small then when other people feel the positivity from there they might start to spread the positivity by showing appreciation it's like a ripple effect


they see something that people do it positively or negatively impacts them and then they start to do the same, so example , I have seen in the workplace err this person is very negative everything is just complaints complaints complaints so when people talk to this person


they will join in the complaints maybe they are complaining about the boss maybe they're complaining about something that the other colleague did, or maybe they are just complaining about life maybe about finances or some something that happened in their life they're complaining about and then the other person will join in and complain on the same thing or similar thing so this is a very negative


side also so, I I think the best thing is is, to try to influence others by your own actions, sometimes all these negative experiences err all these negative


things that I see is, not that I can stop it or anything it's about how I manage how I feel my emotions and my next step of action ya so what about you winter


okay, part two positive experiences


I think most people will feel that you feel positive when when someone gives you a present, because you maybe it depends on this person's err five languages of


of love but, even so gifts is definitely within the top five because there's only five rankings so even if your even if get receiving gifts might not be your first four ranking of of feeling loved


but I'm sure you will still feel happy receiving a gift, I think the best present is probably something that I, I like something that I need something that err I didn't expect the person to actually think of giving me


then I think the best present so far, for me is probably a surprise like


err so I will go out with my my then boyfriend he will plan the whole day surprise me with a birthday gift err technically the gift wasn't important a it was actually the surprise that


that the whole day brought to me he also gave me flowers and basically took me to places for brunch, plan activities in the day and then a nice dinner at night I think to me its its


spending time err which also coincides with the one of the five languages of love which is quality time so maybe to me the best gift is quality time yeah what about you winter


(mmhmm)


oh I agree with you the food is is very important also because it on the special day if let's say you get to eat something that you really like it will be like a bonus


so for me I find there's this meal that was very impactful that was uh very memorable, it is this place we had, a lot of courses


they have very interesting appetisers they look like desserts but they taste savory, and there were a couple of them, and then after that it was


it was like a salad kind of, it was like salads so it is not salad salad but it's like appetiser salad kind of dishes so it was interesting because it was I think if I remember correctly it was a beef Carpaccio


which is a raw beef but it was well seasoned it was very nice I think my favorite meat is also beef, , but err I didn't expect the Carpaccio to be so nice I thought that I would


I only like err steak then the last the main dish it was beef Wellington so beef Wellington is a big piece of err steak, in the middle and then they and then it is err layered with mushrooms most of the time to absorb the moisture


then the last layer is a puff pastry, so it at the mushrooms absorbed the moisture so that the puff pastry will remain nice and crispy and fluffy, so the brief Panetta was it was huge and it was very nice and what makes it more memorable right is because this dish will actually err we had a cooking session before


it wasn't for any occasion it was err because there was a free free gift, we got a free gift for two baking session and it was a three course meal and the main course was beef Wellington so imagine previously we had a very happy experience it was good experience at the cooking session


because err although it was a group of six, the two of us, did uh I feel like the two of us did most of the work because there are other other people they were busy taking photos of the food taking photos and err chatting with one another


and then, we will we were the ones err really, taking the ingredients preparing whatever the the ~pers the the teacher was telling us the next step then we are the ones who who who were initiative and and chopped the mushrooms cut


after chopping then fry them until they change colour, and then we also we were also the ones who pan fried the steak on all four sides of our sides because they are huge and then we cook the mushroom on it then put the puff pastry fold it nicely and then it went into the oven


so when we had that for dinner it really brought back a lot of good memories, which which actually made it even more special in that sense, yeah


I I think the I think the, best the best thing is probably who you spend it with because, if let's say this was to be repeated with another person you probably won't feel this way at all it must be the person who is close to you the err someone who can relate to you


as a err in in that sense lah so I would, say in in the same in the same perspective


the best gift would be my my then boyfriend who is now my husband, because without him I would not have been able to, experience a good cooking class because if I went with someone else


maybe that maybe the friend I go with maybe the friend that I had gone with would be also doing the same as other people busy taking selfies photos of the food


instead of focusing on the cooking class and cooking a good err three course meal because the because the three course meal that we cook will be shared, among the six of us so if its not done well if it's not done


prettily it will affect everybody and then there won't be this memorable experience that I had during one of my birthday celebration where he took me out to this place with err exquisite appetisers


and a very nice err beef Carpaccio side dish and also the beef Wellington main dish like all this all this experience will have been different


and I I think that is not only the gifts, it is each is actually the giver the giver of the surprise the giver of the gifts, they are the ones who is like a ripple effect they are the ones who started this ripple effects of making me feel happy and letting me feel I enjoyed the day the the food


the ambience the experience etcetera to you what do you think about it


(ppc)


yeah I I agree also plus err sometimes too good or too much of anything will become bad there's this saying, err and also there's another saying absence makes the mind grows fonder so sometimes you will take a break for your partner maybe not say break maybe not literally break but


err sometimes going spending time with other people like your close friends or just err friends from your all walks of your life be it primary school secondary school or your


tertiary education JC or poly and maybe university all these friends as you meet them it will trigger all the positive memories from before so


like err I have this group of friends also we don't meet up often because of our schedules, and and err, sometimes we're all busy in life because our focus is on maybe career or whatsoever


or because we have our own families it's harder to plan a meet up or like during this season before that we want even if we wanted to meet up we couldn't, so when we saw previously where we every time we meet up it is not just about reminiscing


the the past events the past interesting things that's just like a bonus or that's just like a starting topic but the most important thing is the bonds that we have some it is like what you said somethings


don't change even though we don't meet often or not but once we do you will feel the closeness again this is how you know this is when you know, whether this friend is really a long lasting friend in a sense


then, oh of course we have many groups of friends that we want to meet up but sometimes there's no opportunities the the basic


way of keeping contact will be having group chats, but even so sometimes we're busy we're not uh active on group chats but whenever someone suggests a meet up then everybody gets active again I think that is a very a heartwarming


situation because everybody do everybody does want to meet up it's just that they are all busy in their own life or with different things, in life they


or they don't mind not meeting up often because they all know we all know that when we do we'll be able to, talk non stop, err and maybe spend the the be able to spend many hours together just


talking catching up finding out more about each other, one another in in the whole in the whole the in the, the past err however duration that that we didn't manage to meet up previously so ya so I think


, in this way in this sense quality time is, it's really important even though previously even though we don't meet up often but when we do we treasure that quality time


yeah I think that that's pretty much sums up for me what about you


financial related topic, okay


ya I think like similarly for me like I think if like five years ago then I'm talking about like fourteen years old so I think I was still in like secondary school , but I think like the shift from secondary school to like poly was quite big and I think like


in poly you get a lot opportunities to like go overseas, and like join certain events and also like , like if you need to buy like assessment type not assessment book like textbooks, ya and like certain like specialized equipment, so like I think especially like year one I think like year one and year two I think I


I did spend quite a lot of money on like the textbooks and also going for those like overseas trips and because like I didn't have like the, I didn't have enough savings for that right so like I had to like lend from like my parents so I think like that was one thing that I could have avoid


if I kinda knew like uh how much money that I need for like poly and like uh if I wanna go for any like overseas trips lah, ya


ya, I think like adding onto that then I think also like, currently like I think have a lot of friends who are looking at like investments and stuff I think like, investing is some is like the new I would say the new thing I think like among like young adults like those aged between like twenty years old to like maybe twenty five years old I think


compared to my ten years back, investment wasn't really a thing for like young people it was more of like if you have a stable income, then you can like invest, ya but I think like I have friends around me who are like you know looking at the stock market every day and like


seeing when like certain prices drop or increase so I think for me like even though I'm at a similar age as them, I'm like the idea of it is still brand new to me ya so like and I have friends who say like you know maybe like if you start investing somewhere because like


in the future you might able to like gain some money from it so ya I think we've leaded to like finances I think looking at the next step of how to like, increase my income and like uh sort of gain some money before I start working lah ya


ya I think like definitely during like this COVID nineteen situation or this like circuit breaker like period , all people started like selling clothes on like instagram or like even like baking ya so I think like when finances are tight especially like


I would say like the friends around us could come up with a lot of different ideas on trying to gain extra income , ya I think I agree with you because like for me like during school like during school term I can't actually like work like every day I have friends who like work part time after like


lessons but I feel like like myself as a individual I don't think I can able to be able to cope like my, studies and like also working part time lah so like maybe like bunching onto that


like maybe personally for me like cause I work during the holidays right so like that's like uh additional income that I get because like I'm, sort of like trading my free time in a sense but like I realise that I have a habit of like


I know maybe I have a bad habit of like spending like quite a bit on like the income that I get from my part time job ya so like my habit of saving I won't say it's like the best ya I wanted to ask you like


how about yours ya


ya I think I agree also because like, like I realise like compared to secondary school like I do out go out quite more often like in poly and I think it tends to be like impromptus, it's not really something that you can like plan your finances for in a sense but I think for me like


I don't really save much but I think like one habit that I have is that like I I have a different like, so I have two savings accounts so one is like I can is like my like my ATM right like I can take out money from it and the other one like I actually can't because


like that one is like uh I don't know why I can't take out money but it's a joint account so with my mum so like I can't take money out of that account but I can transfer money in, so what I do is like I transfer like money into that account in a way of like stopping myself


from like using the money so let's say you were saying like you like if you get one K then you only like you save up like eight hundred to nine hundred dollars right, and then you use the balance for like your school right so I do is like when I have when I get one K from like my part time job right then I will like


immediately like throw in like maybe like six hundred into like the other account so that like it stops me from like using more than what I like predict to use lah ya


so just now you were saying that like you spend quite a lot on like shopping and like going out with your friends right so like do you think like the spending is like justified or like, you know like do you think like there are instances where you think you are spending too much


ya I think also because like I'm I'm I mean correct me if I'm wrong but I think because for us like other than like saving up for uni , there isn't another like sector or like avenue that we save up for and I think actually like


during the circuit breaker I realise that actually like health is a very important area that I think like personally for me, I used to think that like saving up for like insurance or like you know like emergency like funds for like illnesses right it was something that


should only be like maybe done when like I'm thirty or like forty like to help like my elderly parents or like for my children next time right but then I realise that, it will be good if I can start saving a bit for like insurance and like health policies in that sense because


I realise how expensive like hospital bills are even with like the subsidies from like medisave or medishield so and I think like for me like because I'm like the the oldest child right then like I guess there's more weight on my shoulders in like


trying to save up for like my parents' medical fees in the future so I feel like, that was something that I realised during COVID and I think like if I once I finish poly


and I think like from poly to uni there's a long break right so I'll probably like work that kind of stuff like I would want to like change my like saving habits a little bit to like include a small portion on like health lah, so that like I start saving up like at a young age for that sector


ya I think like what you mention about like example like starting a family uh I think that's something that like, because I think like okay so I relationship right so like maybe like hopefully like in ten years time like we can get married you know and I think like getting like a house like or a flat in a sense it's not a very small expenditure it's like it's a very big expenditure especially


if both parties are like start just starting to work and they don't have a stable income I think like I came across like a youtube video like a few days ago about this university couple in singapore and they actually started saving


for their like BTO flat so currently she's the girl is currently twenty five and he started like saving for their BTO flat like when they were in uni year two so like when I heard that right I was quite shock cause like I was like wait you started like


saving money for your BTO flat when you are like in uni year two that's like honestly quite early lah and actually for them they realised that it was a good approach because they actually got rejected like the application got rejected four times before like they were accepted


so in a sense like they were able to like plan early and also like have time to sort of like like sort of like free time in between for the application to get rejected if like they didn't started they didn't start early then like they probably would not be able to get a flat like


in the near future so but I think with such big like expenditures right it also depends on like the communication, and like the trust that you have with the other individual like it also depends on if the other individual wants to like be on the same page as you and start saving for something like that lah


then maybe with like regards to like like marriage and stuff right how do you think like your financial like capability or like your uh what you spend on will like change like before and after marriage


ya I think what you mentioned about like using a percentage cause I think like when I think a lot of couples do use like a joint account but I think like the sensitive issue is like when you how much you put into that account I think also like especially when they


the couple within the couple there is a difference in the income that one earns so like one earns more than the other, then like you know five thousand mean mean very little to one person but five thousand may mean a lot to the other person so I think ya I think using a patet percentage will be good because it's on the basis of how much you earn and


I think I also know like uh couples who have separate accounts so they don't have like a joint account and I think for them like what they said like was that it's a little bit more tricky because like when you wanna make a big decision example getting a uh getting a car right you need to make that


decision together and I think like actually even with a joint account I think like it's good to consult both parties first before like you make that big purchase lah, ya


negative experience, ya so what I can start first negative ex on the topic of negative experience I think as much as there's positive experiences like there are days where like I get like annoyed at the people around me uh and


uh maybe I can just share a event that made me very very angry lah not a specific event but I think just like one of the many events that made me angry but I think it's still the same concept uh I think for me like I when I I'm friends with a person


I think like I I I have, I see the person as being very genuine and uh I put a lot of trust in that person but I think for me something that, sort of like angers me I guess , is when people like uh misuses the trust or like they betray the trust that you put in them


I think, that's something that is hard for me to like understand the concept of why somebody would wanna like betray an individual or a friend that they have placed their trust in and I think personally for me like once that trust is broken uh it's hard for me to


act the same way as I did with the individual because like I will keep harping on the other on the event that happened lah ya so that's something that, I would I would say like I won't I don't come don't encounter it often but like I do encounter it quite


occasionally ya in in my life lah ya


ya I think I I think I agree with that I think nowadays people are very judgmental like before they know the whole like story or the whole or the truth in the sense people just like give their opinions like without even thinking lah and I think sometimes like it does end up hurting the other individual as well


I think linking to that like, you were saying like friends who like not very close to right I think for me also I can uh re relate a bit better with regards to like maybe like meeting somebody for the first time like maybe more in like regards to the wider society lah I think


for me like when I meet somebody for the first time like I become very conscious of like how I'm acting or like you know what how I'm saying stuff and I think that's something that, in a sense not really a phobia lah more something that I get uh anxiety from or become anxious about uh ya and I think it's something that I have not really overcome but I think like it would be good if I can like reduce the anxiousness that I feel around it lah cause I think


ultimately, like it's very cliche by the way is like ev everyone of us is like unique and you know like we will act in different ways lah but I think like as long as we are answering to ourselves and like you know know are true to ourselves then I think like you know maybe like


the individuals around us will also like see from our point of view and understand ya


actually I think like my greatest fear is like myself like the thoughts that I have like in my mind I think like especially during circuit breaker also like there was a lot of free time and


while I used the time to like exercise and stuff like there were a lot of time when I had nothing to do so I guess like uh the thoughts in my head just like consumed me in a sense and I think there were times that I felt very down and I realise that


like nobody like put these thoughts into my head like it was a thought that was just in my mind but I realised like how much it consumed me as a person and I guess like for me also like , I just give uh being vulnerable lah I think I try to be uh as extroverted as I can but I think like opening to people is something that I still struggle with uh which kind a links to like the be betrayal of trust lah I think


it's very hard to be fully vulnerable like to an individual because like it's different from being vulnerable to like your family but I think there are some individuals who still like uh have trouble being uh opening up to their family lah and I think like just generally the concept of being vulnerable and opening up is something that


I guess I'm fearful of ya


ya I think for me , it's for me it's more of like, and maybe like for me lah I'm somebody who's not like naturally smart like there are some people who are like naturally smart but I think for me like I'm somebody who like puts in a lot of effort so like if like someone takes like one day to complete an assignment I need like the one whole week to complete the assignment I think there are times where I feel


like shit why am I so stupid like why why do I need so much more time lah compared to other people and then it makes me feel like a little bit sad as well , so I think in terms of like the concept that you said about feeling I think for me it's more of like maintaining the grade that I have I think especially in poly also like right it's accumulative grade it's very different concept from secondary school when it's just like one exam and then I'm done with it


so like I think it's a struggle that I still have now in poly especially like since I'm in my final year then like it's even harder to maintain that grade uh and I always think that like okay if I drop like from my


GPA then like that's also considered a failure because I was unable to maintain it lah ya


I think for me uh it's not really like re related to like academics wise but I think an issue that like I feel as uh upset over or like I guess generally like digustses me in a sense is


I think recently there's quite a lot of news on like sexism ya and I think like I didn't knew like that topic or that concept was something so close to like uh singapore in a sense but actually I think it was because I didn't know that like such a person's actions was actually like


sexism I just thought like this person was being irritating and rude to like the other gender lah and I think once I knew about this this concept of sexism I realise like how wrong it is because


you are discriminating the person based on the the gender or the sex that the individual is lah and I think there is no such thing as like a dominant gender or a dominant sex I think that is something that , I realise that singapore hasn't really gotten over that concept yet and I think even with the latest news article by like president the president on the podcast that was I guess it's a local podcast


talking about like woman and like the way dress and their appearance kind of stuff I realise how big this topic is and how maybe like our society especially like the men in singapore are not knowledgeable about this aspect


and I think like maybe if I can share like one experience will be that like I think there was a recent article on a NUS girl getting filmed in the toilet when cause she was showering at three AM in the morning lah and then uh my dad was sharing with me like the the the uh news article right so I was saying like


ya I mean it's the guy's fault lah because the guy shouldn't be doing something like that and then my dad said like oh but why the girl go and shower at three AM in the morning then I was like but, like regardless of what time she shower it shouldn't affect like it shouldn't you it make you want to film her ya so I think I got very annoyed at him because


I couldn't believe like that was something that he said so like uh I went home think about it and then I was like I was still very frustrated because I was like I didn't expect such a answer to get out ya come out of his mouth, because he said that you know like he said something like oh like uh like the girl shouldn't have showered so in the morning because like it's in a dorm right so like the the guy might have heard like the toiler door


and then like, he decided to go and film her lah and I and I came back and I told him I said that you know like what if it was, like your daughter what if it was like me that got filmed like how would you feel like how would you feel as a father lah I mean like you need to think of like that girl's parents as well and I think when I said that that was like me trying to stand up for I mean a small part of me trying to stand up for that girl and I think like


I felt that like in that ex in that experience like I felt a little bit more braver about the situation cause I think sometimes like don't even talk about friends sometimes like even like like the discrimination that there is within the family and the stigma that there is in


like our family like I think you need to start starts from there as well ya, uh


ya I think I can definitely relate to that I think maybe linking that to like, on the topic of what disgust me right I think it also it also links to like the worst thing that I've witnessed and kept quiet about I think even though you have a certain uh even though you have something that is not does not sit well with you uh you might not have the courage to


voice it out about it and I think the topic of like sexism is something that is very prevalent even in like our our like even in my classmates I think that's like with poly I think like you can be more open you have more freedom but then like


that's when also like such remarks and insults are just really thrown around lah and I think, the worst thing that I have witnessed was, maybe not the worst but the most recent thing that I've witnessed and I think it's it's very wrong in that sense is that


there are you know currently now there's this movement on the black life matters right in america and I think like it's a global movement as well and I think it was during like a tutorial where we were just had a free time we were just talking to each other and somebody brought up the the movement uh the BLM movement


and, this individual just said like oh like black life matters I think you should ask so and so about it, and I think he meant for that remark to be quite subtle but I think when I heard it I was like I was very insulted by it even though it wasn't I wasn't the person that he was referring to but I I felt very insulted and


but the worst thing was that I didn't do anything about it and I just kept quiet about it I did like tell my friends about it but I didn't do anything and say it directly to the person's face, and I think that's something that till this day I'm still very angry about it and like in the event where this individual says something like that again I feel that like I would not be able to like stand still and not do anything lah because I think


sometimes with such individuals they are not aware of the comment that they made they're not aware of the the impact that that there is on the comment that they made they think it's just a passing comment and people will just eventually forget about it but then I think like the the the intention like the person doesn't know


I'm not sure if the person has uh intention of saying it or he's just taking it as a joke lah and I think sometimes when we choose your words or what you see you need to think about what's your intention with it and how the other will take it as well like it's not good to just like throw comments especially when it's


insults and something that is negative ya


positive experience


ya I think especially during this like, circuit breaker period uh I think like everybody's lives kinda like took a pause and things became quite slow but I think I realise that how much time I miss


like spending time with my family I think when everybody gets busy especially as we grow up I see families like not having like family dinners anymore and I think that's very very sad because , you know there are people that you grew up with and people who took care of you and I think ultimately they are still your main form of support ya so I think like definitely like my friends and family that is something that is something that is very important to me and something that is very dear to my heart


ya I think as a individual like finding what I, am interested in doing and also what I like to do I think that will make like my life a little bit better like I can lead my life a little bit better and enjoy like the small things


that, I have around me lah and appreciate what I have ya


ya I think I agree with you maybe like for me I'm not really like a book reader but I think I like to watch like documentaries and stuff on netflix I think sometimes when you are like uh sometimes you feel like your your struggles are so big right but when you watch this kind of document


which suddenly you realise that actually like you know you're a very very small part of like the earth and there's so many uh bigger things around me that is going around I think for me another uh activity that I enjoy have started enjoying is like, basically I taking some time to like exercise I think I only realise like the wonders of like exercise exercising like to especially during this circuit breaker I think it gives me a time to sort of like leave my work aside and like have this


time just for myself I think personally for me like like I have trouble like trying to, find like uh, to to draw a line I guess between like time to work and uh time to like not play but time for myself I think even sometimes like sometimes when I'm in bed and I want to sleep already but then like I can still think about like the assignment or like the project in my head and I think that wasn't


something that was very good for like my mental health in general I think also like I couldn't get a full like a good night rest so I think ya I think like sometimes like learning how to like take a pause on certain, stuff in life even though like studying is important but like how to make like my everyday life more enjoyable and more beneficial to me lah ya


ya true true I think like this circuit breaker period allowed like most people to understand a little bit better of themselves but I think, you know eventually I think we need to go back to like our normal lives right and you know I don't think we have time I mean personally for me like uh trying to like balance no trying to cope between like home based learning and like exercising has also been a struggle even at home


so I think like it's a potential like challenge that I see next time especially like when I go back to school or when I start working, but you know I think I have heard some people who say like this like global pandemic is something that is is a total like negative at at event or like experience but for me like I still see some like goodness in it then maybe I can just share what I see from it first


I think for me , like, I know like entering twenty twenty everybody is gonna say like oh twenty twenty is a big year like all people are getting married like I don't know it's just like it was supposed to be like a very like lucky year for everyone but I think like


the it just took like a complete opposite like flip when like COVID nineteen happened and, I think it during circuit breaker also like a lot of like unhappy or like I guess like rude


events happening like people weren't cooperating with like the safe distance ambassadors or like people just getting very frustrated lah and I think that kinda brought out the ugly side of society as well but I think us being humans like we definitely need time to adjust and change


to like new situations and I feel like I'm kinda like proud in a sense of like everyone around the world that like you know even though this pandemic came to us as a shock but like there are still like individuals out there who are like spreading kindness and stuff I think


when I see like , like organizations like corporate organizations or like just like families in general like uh preparing like help like care packs for like the health care workers like that like makes me like believe a little bit more in like the kindness of like humans


and ya I feel like it's something that we can definitely like work on like in the future as well ya


ya that I agree, ya maybe we can move on to like like as a individual what are some like I guess positive experiences that you had , ya uh you encounter lah ya


ya ya I think I I agree with you like the knowledge that I gain through like my poly years has definitely opened up my, my vision in a sense like wider compared to when I was in secondary school I think


uh for you like you mention like individuals with disabilities right I think for me it was being aware of like the low income families and homelessness homeless people I guess in singapore I think even though singapore is like


how to say it's visioned to be a very, rich country in a sense ya and like you know everybody is comfortable and like you know we can spend money on food and shopping I think I realised that the other vulnerable people , around us in the community especially during this COVID nineteen situation I think


I sort of thought like okay you know like how are they coping with this situation especially when their finances are maybe a little bit tight , and I think for me I was quite , happy I guess when I saw like organizations going to like give food vouchers or like maybe like non profit organizations like checking up on these families especially during this circuit breaker period I think


ya I think generally just like the community spirit in a sense like that there are still people looking out for one another especially in singapore I feel very like heartened that singapore still, ya singapore still like have this like community spirit lah and like no one is kinda left behind even though much more can be done ya I think like compared to other countries I feel like


singapore even though we are a very small nation we are trying to do what we can do best ya


I think for me I won't say proud but I guess like uh uh, ability that I I I appreciate having and I enjoy having is I guess like okay I don't know put it into like one phrase but like I think for me like from a very young age especially like in secondary school I knew that I wanted to work


with people and I think like for me actually like working people gives me uh makes me feel rewarded in a sense because it's through conversations with people that I realise that I get to learn about other person as well, and I get to learn new things lah and just that human interaction is something that I really really enjoy lah and I think


something ability that uh I have I guess is, trying my best understand the other individual from their point of point of view, it's, it's not how to say it's us it's ability that everybody have and I think everybody can strive to have but I think with like the subject or with the course that I'm studying in like it has sort of like find tuned this ability a little bit better


and allowed me to be more aware of the things around me lah and be more sensitive ya


ya I think I agree cause like especially in poly when you have a lot of group projects like it's I guess it's tough not trying to step on one another's toes , ya and I think like having this knowledge on how to be sensitive and try to understand people from different points of view like definitely did help when I was doing like project works and stuff