you know care for you genuinely want to see you do well you know and genuinely you know want to be invested in in your well being you know uh be it spiritually be it you know career wise you know be it you know


just for social reasons you know I think we we have you know I I found a very err, you know, a very, a strong friendship you know err in in with the people in the church and sort of like I I see them as you know another extension of my family you know


so I think it's important you know and this is my personal view to have people that are invested in your, experience I mean your people that invested in your in your progression uh they invested in seeing you become a better person


you know it it's sort of like you know I feel that if if we are alone in this world right you know it's it's very, it's very tragic it's very difficult because you know you have to fend for yourself but you know sometimes I think you know with with a strong group of friends of err support around you that that nuclear support you know uh from the family from church friends you know it it just lifts you up


you know it it put you in a much better position you know even through setbacks you know it it it it they help you to get through the setbacks they help you to keep pushing forward you know even when you fall they help you to get back on your feet without judgement you know


uh without you know , I think uh it's been very positive very constructive uh very uh I would say I'm grateful you know for this uh group of friends you know and


yup it's something that I I I I would cherish lah, that's that's that's me I know that's


right right I, ya I think if anything this current situation this health crisis that we are in I think has made it


has made a lot of people realize how valuable human interaction is you know that it can never replace err you know a a a virtual err interaction on the computer on the screen you know


even though technology has allowed us to you know basically communicate err seamlessly you know virtually without needing to meet physically but I think this this health crisis has shown us how


important it is you know I think a lot of us feel that and especially for me you know because I'm I'm I'm staying alone I feel, this need you know uh to go out and and talk to people you know to to meet up with my friends just to just to see them again you know uh to hear their voice you know in person you know ya it it sort of changed me you know I mean changed me and made me realize a few things


made me, you know uh made me think about not taking things for granted little the little things for granted, yeah I I'm not sure if sorry go ahead go ahead


I I think there are both pros and cons uh you know, and for me uh I I would say this you know uh I I I've I've not been in your situation you know so I it's hard for me to do a valid comparison you know I can only hear what my friends who are married say you know but I would say this I would say that the I think the grass is always greener on the other side


so you know I think when you are single you you you would you know you would sort of like you know hope or wish that you you had you had someone you know uh uh uh you know as in you you hope that you had a partner you know and you wish that you had a a companionship to do things with you know


but I think when you are married you know that certain parts of you would miss being single this is what I I hear from my friends you know who are married you know and I'm not sure if you feel the same way you know but but I think ya it's really you know uh the grass is always greener on the other side you know and


and I think there's always you know ya, plus and minus points ya


right right I do remember that yup


, right right right


, okay


ya ya


ya so I think that's that's something interesting that you brought up you know as you said the first time that I went was with three of my other friends my uh friends from church and ya on that trip right this this friend of mine she basically is very particular about what she eats


so you know we we had to be conscious of you know the restaurants that we went to you know and be mindful that that you know there's a lot of uh things that she uh she will not eat so you know I I think I wouldn't say that we were hindered you know or there were like


uh great restrictions put on us you know but I think on that trip right you know at least for me my my my mental you know uh my my whole, you know objective of that trip you know uh wasn't about food then you know it was more about the experience of of seeing japan for the first time you know I've not been there before


so you know I mean food is just you know one aspect of it but you know we we we did so many other things you know we we drove around Hokkaido, you know we we stayed at different uh Onsens which wwere which were great you know I mean they were err amazing experiences you know and I remember that I even along one of our road trips you know we were on a mountain road and right in front of us the brown bear


a brown bear stopped you know in front of on the road in front of us in front of our car brown bear it's a brown bear, in front of the car exactly and I measure I I can remember because I locked eyes with it for a moment I looked at it and it looked back right back into my eyes I'm not making this up it's true you can ask my friends you know so we had a connection then you know


a small instant connection uh and then it took off you know so I I that's kind of like that was like how how many people get get this experience you know so I was really, it was in Hokkaido on the road it's !wow! something


something like a very ethereal you know out of this world you know , ya


ya I mean but I think it depends on the individual because some people are city people you know they wanna go they prefer to go to the city some people are more outdoors more nature people and they prefer to go to scenic places, so it really depends on the friends that you're going with you know hopefully you know you guys can come to a compromise


and and hopefully I mean at least you guys you know uh sort of at least like the same things you know and then I think the trip becomes a lot more enjoyable, ya, you know that's for me you know ya


that's true that's true yup you you need to choose you know carefully otherwise you you'll be wasting money on the trip you know that's that's what I think you know, the whole idea for holiday is to have a good time right you know, so, yup


ya I know that I know that, , ya okay I think we've shared


(uh) our positive experiences it's been, it's been you know (um) very enriching listening to you (uh) thank you for sharing


ya I I do invest in the stock market uh I look for a company that is reliable uh and I look at the past past averages of the the company


and how well it has been doing in uh in in historically lah what about yourself do you invest in the stock market


so so what kind of analysis do you do when you uh buy shares or invest in stocks


okay uh do you invest your money in uh CPF or rather uh I also don’t I got no CPF money


ya I I I heard of it before it can actually uh the government has uh financial products for you to take your CPF money and invest, uh in but of course your returns are lesser lah cause is a less risky


uh investment yeah you have to opt opt into it so do you use more do you use more fundamental analysis or or technical analysis


oh, uh I use more technical analysis ah like looking at the historical uh graph chart of the company the fifty two week high low and stuff like that


err, oh let me think indicators what what are the indicators for you


yeah


so is now is now a a great time to to invest in in the share market yeah


but but normally when when we have a a collapse like this or a, uh we we can see a lot of sentiment in in the movement of the market but right now it does not seem that it’s like reflecting on sentiments of people why why do you think that is


what’s your point is it because of algorithm


algorithm first first time traders like like us coming in in and out in and out


(hmm)


so do you also do you think uh the singapore market is uh related to the US market as as you can really but from looking at it is not exactly reflecting to the movements


okay


that’s that’s the normal people uh strategy lah buy low sell high so you get the appreciation or the profits in the appreciation lah in your in your shares, but I think there's another way you can yeah capital gain lah there’s another way you can do it lah you buy high and then you short your stock lah


but that’s a bit risky uh I don’t think is something for beginners to try, easier to predict go going up than going down lah


financial planning is is I uh I I don’t like investment policies lah


uh the returns are too low investment policy is in insurance right insurance investment policies, ah those those are


robo advisor fund, you engage somebody to do uh investment for you is it


oh oh


would you try that would you try, ya definitely


true but I mean in we we we were thinking that uh with the market collapse with uh COVID nineteen the market will actually collapse even further but until now we don't see a a greater collapse


why why you think that is,


which which only can last for for how long you know you know what I mean at at some point in time it the money will run out what


so what’s


uh if I don’t know man if you just keep a basket of different uh uh investment products maybe some ETF some REITS some uh uh normal stock


you mix it around lah so you average your loss ya ya ya well weighted portfolio I guess


minute trust unit trust ya I heard of unit trust


I don’t know I I wouldn’t trust somebody to do to uh to handle my money my aunty recently uh let some her her broker handle her money and then the guy lost one million dollars so


<P2> peter lim </P2> want to take your money or not , maybe I meant I got to trust the person first lah before I let him handle my money


yeah I’ll I’ll do my own research and I will I will do my own uh ETS lah you you trust me you trust me you trust me with your money what you give me money I buy I buy stocks for you ah so I I be your trader lah


guarantee there is no guarantee you believe there's a guarantee in uh then I say go and go and screw yourself lah where your guarantee


so do you think do you think uh investing in the stock market is is a gamble or is more a gamble or is more on knowledge


yeah yeah


so in calculated risk okay excellent I like that word yes so what what have you uh invested in recently


!huh! me too I also put some uh uh ya I I bought some together with you eh can can laugh or not


oh okay but you you decided to hold on to your to your to your shares I I sold mine for twenty one twenty one percent profit, right now you’re down ten ten percent man please explain my decision is not a is not considered profit until you actually sell it so you can see your shares going up forty percent but


if you don’t sell it you will still zero percent profit you're still at zero percent ya so I prefer to sell twenty percent wait for it to drop again I buy again wait for it to go up maybe another ten fifteen twenty percent and sell again so I got total forty percent (ppc)


I guess but right now is so volatile it’s it’s quite easy to do lah, it moves up and down so often as compared to I meant uh prior to COVID


uh ya I I guess more or less pure luck it is gambling because as you said is uh sentiments are not uh the market is not following sentiments, so we cannot predict uh uh algorithms or how computers are going to be trading the market so no matter how much you study now you you are wrong


so the stock market is not the economy what are your thoughts on on this saying


, do you think your spending habits is is healthy or not I think mine is very unhealthy


ya because you got nothing to do at home and all day long and looking at carousell and uh looking at stuff to buy I I feel like buying a


oh still not good ah we still go out go to restaurants we go uh to bars pubs have a drinks with friends so I mean I buy less uh I ya a little bit lah


definitely have some savings lah no money is never enough you got hundred million you can tell me hundred million is enough your lifestyle will adjust to the hundred million (ppc) oh definitely not ah


it’s never enough, well considering that uh there is no income uh can't really do much except besides uh spending cut spending I guess you got no income you have to cut spending what so then if you have income


then you have to set aside a certain percentage of your income for savings and the rest you can spend I guess on necessities and luxuries ah


what would I do


I would wait maybe, before you I mean wait until maybe it reaches twenty percent then I sell and buy something else uh like you said at ten percent lah so I'll said I'll said I urgently


ah I wouldn’t sell lah I’ll get money from somewhere else no lah I can get money from somewhere else lah so many ways to get money what, that, ya I got some friends also they I mean they because of COVID they they their work is limited because their work is sales so they


uh buy and sell shares on the daily basis on daily basis lah so if if they make a profit hundred two hundred dollars they sell so that’s their pocket money I guess but you need a large large amount of capital to do that lah


yeah to see a hundred or two hundred dollar profit on on local local stocks lah cause our stocks move move very small small margins ah unless you have the balls to go to the US market


FOREX is I I don’t know I can’t comment on that lah I don’t know much about FOREX it's scary lah FOREX is even scary lah !yay!


do we stop the recording


uh a lot of changes uh it's already happening during this period uh first uh finding a job would would be ya especially in your case lah


I think finding a job would be a tough one unless you are in a field related to digital lah which which government is pushing now, uh things will definitely become more expensive GST will definitely go up government need to take back their money err yup so so what what some of your anxieties


yeah shrinking


ya, what do you think about the pandemics or the pandemic of uh corona


do you think is man made it is important it is important that whether it is man made because it is man made then people realised that the world is over populated


(mmhmm)


ya okay excellent very but that's that's positive it should be negative


, uh I I used to love this girl very much but at the later point in time I found out that she actually had a a a boyfriend already


so I I got played, maybe or she just enjoys uh two different guys in two different places lah


maybe but I mean friends friends friends with benefits lah so at the end of the day I didn't uh I mean I invested my feelings and that was my loss lah


ya maybe which which sucks lah but what can you do you uh cannot the change, the fact you cannot change people's uh uh direction, ya she she just she's just not the one for me I guess uh very for one week ya for one week was very very heartbroken but


cry man I went to my friend's house I cry so badly yeah I cried quite badly


ya a very a feeling uh feeling sucks lah I don't know how to describe it, (ppc) just felt like the whole world fell crashing down for awhile but I recovered fast so it doesn't matter, ya what about you ya what about you heartbroken ya was it was it that time with uh a name a a girl named gina


no gina is a hypothetical name uh it it could not be true also gina there's many gina's in the world


yeah yeah, what makes you stressed


I can tell you that my my girlfriend my girlfriend makes me stressed ya, don't laugh you cannot laugh my my my my girlfriend my girlfriend makes me very stress because she's quite emotional person lah


so (ppc) me I'm I'm quite neutral most of the time unless the other party is emotional then I would get emotional also so is if somebody provokes me or uh ya I'll I'll get I will retaliate lah but if you don't I'm very neutral


so whenever she‘s emotional I also get emotional and that stresses me out ya and you you you you I mean you know ladies lah they're sometimes they don't


uh they're not rational, not all I guess ya, what about you what stresses you


uh


describe a time which you felt betrayed


I don't think so I don't know you told me a lot of stories, yeah


!huh!


ya, oh okay okay


oh


then you never you never shoot them ah !wah! if I were you I will shoot man I don't care whether cousin or not


, !huh!


what the hell


yeah, yeah, how old is your cousin


oh ask him go and F himself lah, !huh!


!wow!, I I hope you are not uh still speaking to him, uh


oh but you're he's the one who betrayed you ya so I I also have a I I also have an experience to share, uh my my best friend uh when I was much younger uh he tried to steal my my my then girlfriend


yeah he he went on facebook he hunted her down and then he started to chat her up lucky for me she was loyal enough lah to tell me that my best friend was actually flirting with her


(ppc), so because he's an asshole he's still is an asshole, I don't know maybe he thinks that's uh she's vulnerable I'm vulnerable easy to take advantage advantage of I guess what a weird guy you mean


ya it's damn weird is very weird so he he always takes advantage of uh people lah when he's when he's able to


ya I I confronted him I give him a good scolding lah and then I I fell out lah but he tried to patch things up with me but I refused to, then that's that's that's not the only uh incident uh subsequently I met a girl during tuition so uh I was interested in her so one day I went down to her place and he was also interested in her because we were in the same tuition


so I was at the place and having a chat with her and then uh she told me that my friend contacted her and say that uh he also wants to come down and chat with her, so then he came down uh to her place and then he approached me with his hands at the back at his back guess what was behind his back


no boxing gloves so he wanted to wanted to box me lah I don't know what the hell you need to wear , ya why do you need boxing gloves so then the girl was like uh what the hell that's that's ridiculous man


ya so I mean that's that's his his style and good luck to him lah trying to get girls, no


no no news I don't want to hear anything about him also, uh, what what other negative uh thoughts


yeah all the time man yeah especially my father's side all over achievers ya because my family side is my father side is all over achievers so I've never achieved uh


academically well but I guess they always look down lah they always like to compare their children with uh my sister or me you know that kind of stuff lah, ya ya all their children are doing well


ya man like all like everybody , what about you


ya ya, but at I mean coming back to my topic uh you see my my my family looks down on me right but at the end of the day right see who earn the big bucks lor


at the end of the day they study they go to find a good job because they want to earn more money a higher salary so at the end of the day if I can earn more money than all of them then what what can they say I look down on them lah


I look down on them for looking down on me not because I want to look down on people lah, and then I'll take a few thousand dollar and then I throw at their face, I wipe my !huh!


, no lah just adding some negativity


discuss the view in light of our current society being expected, who expects


I say screw you lah I want to have children I want to have children what who who are you to expect, I mean is is not unfair or fair lah is uh each individual choice whether they want to have children whether the individual is ready to have children in the first place


of course yes , I don't mind lah I don't mind if my father expects me to have a children uh have have child have a child or a few children you pay lor


you pay lah you pay everything then I I can produce the grandchildren for you, alright alright I mean is mostly monetary lah if you don't have money to raise your child then you're GG lor


ya effort of course if you can support my child in monetary sense I can support my child in uh morally lah so I don't have to focus so much on the money side of things what


and the government giving eight eight thousand baby bonus is not enough by the way, so ya so do you think is fair or unfair


when the time is right when the time is right, don't worry man is potent until fifty bro


then you find a younger one lah , uh, no lah women technically women can give birth until about forty years old then no no no no no the risk the risk is is is negligible yes is negligible


people say oh you reach thirty five you have higher chance of your child uh coming out is a retard or something it's not true (ppc), ya it's only their they only they only uh think is the age gap lah


!yay!


what's the proudest the moment of my life oh that's very simple you also know that what I took part in the yeah took part in the youth olympics games in twenty, twenty ten as a cyclist so err is a cycling event lah


oh ya so we had the compulsory event was road racing and the subcategory was either cross country mountain biking BMX or time trial


I was in uh BMX racing, , uh I think road racing uh ya why because it pushes your limits it does every time I cycle people think I'm crazy especially like during COVID because I'm always smile when I cycling


ya I love cycling that's why I'm thinking of buying another bicycle bro ya no lah mountain bike ah so so my my girlfriend can also ride bicycle also what


road bike no lah she ride my mountain bike lah I ride my BMX, ya because road cycling not for everybody the bike is specific to your to your body ya


you can but is a different feeling lah can't do long distances with uh mountain bike because of the weight and the drag on the tires so is is very different from road road road racing or road bikes


ya it tires you out what what about you what‘s your proudest moment, then think about it now lah


ah but we throw your throw your cap up in the sky is it, !woohoo! I'm so proud I completed my degree


how how about, oh is it, (ppc)


did you cry you I think you teared lah at least you teared , uh ya soon next year next year my turn


ya I guess ya lah but I don't think will continue lah I I don't think it will continue until next year uh I mean end of next year ya singapore is already in trials for I mean they're going into human trials for uh vaccine soon I think in july or august


we we will see how that pans out, describe me uh your perfect day


ya I guess but uh hypothetically speaking lah what would be a perfect day to you


, do you wake up do you wake up on the wrong side of the bed today oh okay, ya I guess so which which side of the bed are you now on left or right side


you're on your left side lah oh okay, , uh perfect day a perfect day for me would be waking up uh unnaturally because I'm going to go to the airport and I'm flying out of singapore


that would be a perfect day for me anywhere in the world, even a third world country I love third world countries so, (ppc), thailand but maybe I might have a different uh a favourite country soon ya indonesia err the islands uh the islands are a lot less touristy as compared to to thailand


uh I I love island beaches beaches crystal blue crystal blue waters , so far uh Bali man


ya bali, nah nah Kuta Kuta is bad I I went I went about two and half hours away uh to the northeast side of Bali is called Tejakula


ya Tejakula private private beach as good as private lah because there is no tourists there at all, and a private villa that cost only a hundred dollars a night


uh you can you can go snorkelling and uh scuba diving if you want uh but jet ski and stuff is uh is not there for you lah


ya but the water is crystal blue, so the next island I want to try is beside Bali is called Lombok, indonesia beside Bali is a lot less touristy than Bali so also an ideal place to go to which would be a perfect day waking up uh in your private villa on uh on Lombok to crystal blue waters and uh sun uh sunrise or sunset !wah! lovely


ya uh, what was happiest moment in in your life


I also don't know


oh okay very good good on you , fond memory uh (ppc) hello my sister just got married recently I think that is a very ya I cried


shouldn't cry actually at the the happy occasion I don't know why I cried, ya it's nothing wrong what


ya were you there oh ya is a very small wedding lah private occasion about seventy people only


ya, it is ya so for my wedding I will never want to hold a bouquet I want to have a Instagramable or a occasion where we can I mean remember not a not a banquet with two hundred people or twenty tables (ppc)


Instagramable wedding lah I guess, in that's sense, no lah no lah not for instagram lah but a wedding that is nice like on the beach or private villa ya I guess


if you go to a banquet would you want have a instagram that or not ya obviously lah ya


where would I hold my wedding uh on a private island maybe invite all my friends I I think is okay lah choose a cheaper location


sorry !huh!, ya exactly and then you must invite friends that you know are stingy lah so they give you bigger Angpaos right or not


err, keep keep it small I guess I mean if those those that are close to you will probably not uh stinge on you as well lah right


so if I invited you to my wedding would you give me or I mean give me an Angpao just to cover you and your your other half, okay very good


best meals I don't know man there are many meals that's are good what what your best meal


steak ya steak steak and ice cool beers, ya, err I‘ve tried uh wolf wolf cut wolf cut cut is it wolf cut cut by wolf gang ya cut by wolf gang what about you what's your favourite meal


too many things to eat right, oh since since you can't decide what you want to eat then err since COVID nineteen I mean phase two is open now and restaurants are open what's the first thing you want to go to eat


you you you are a chef you are your own chef right you can just cook whatever you want at home, (ppc), duck rice what london fat duck


coffee shop duck rice ah , ah sushi Omakase you want to go or not Omakase we can go Omakase no I can't remember what is it uh but it's quite quite reasonable price


oh, ah oh is it that one at Tanjong-Pagar ah okay ya I mean omakase is like that one


why do you like to be alive bro what kind of question is this , ya


ya but if if you die then just die what right, oh okay I don't know I always I always live I always live my life on the edge


which is exciting I I love the adrenaline when like I cycle also I never know whether I gonna reach I go to have accidents and become a vegetable or not every day I go out cycle , it is it is thrilling I I just saw a video yesterday err some some guy got knocked down by a taxi and he was under the the taxi


then this malay guy went went up uh took out took out his handphone and started the videoing and he ask the guy under the the taxi are you chinese, I mean what kind of question are you asking are you chinese you're asking the guy under the taxi are you chinese


ya it is a weird video and all the blood was coming out of the under the taxi, ya are you chinese and then he started mumbling something in malay lah


err can't remember just go google news lor I think google news they have it


over already ah, oh, describe the moment I felt I was the luckiest ah


when I got my girlfriend uh not really I didn't expect that lah so but I feel definitely I feel lucky to have her yes, but that's not the luckiest moment in my life I guess


oh all the small little things she does actually uh make me feel like I'm a lucky man


she because I I don't like to travel to to her place which is quite far but she's willing to travel all the way to to my place, and and come and stay over with me lah or once in awhile she'll buy uh food or fruits to be sent over to me if she sees interesting on instagram during ya during COVID


I mean during the lockdown lah ya and I felt ya don't don't listen to me lah I am a dog


what was yours


uh for your O levels ah for every A for every A he gives you a few thousand dollar right, cause he he believe that he believe that you couldn't get A's


yeah, good one good one, what was the best birthday present


uh ya what was your best birthday present, yeah, why what was that that was the best birthday present


oh, paid for or or you paid by yourself paid for okay lah not bad not bad


not bad not bad my my mother told me right if I get first class honours right for next year she will buy me a big birthday present or or not birthday present a big present she'll give me a big present, I don't know she just left it as watch I want a watch man I want a car


maybe, don't know man something second hand lah, uh that one too big lah


!yay!


, okay err elvin do you invest in the stock market what do you look out for when picking a stock for investment


uh, yes I do too I agree with what you said , further from that I think a few things that we can look at are indicators such as price to earnings ratio


uh so the PE ratio uh will allow us to understand part of the shares current shares price is relative to the uh share earnings, apart from that we can also look at the data of stock so that's shows how volatile the stock is in the market uh we can also look at dividends sometimes when people buy shares uh they hold the shares to earn the dividends but this usually only applies to


uh the bigger and more profitable companies, I think the simplest one that everyone can do would be err capital gains so how much would you earn when you uh eventually sell the stock off


err we can also do what's that thing called, err let me let me let me recall


no I don't, , uh


actually I actually I never heard of it before uh being able to invest your CPF


so you have to opt into it ah, , so why would !huh!


do I use for fundamental analysis or technical analysis uh, , I'm not sure what I do is fundamental or technical I think is just analysis to me what about you


like, , so what are some indicators that you look up for


that will that will tell you that this is a company that's worth investing in


for me, err I think the first indicator would be stock with high potential lah


so, if you look at look at the chart, err of the shares price over a certain period of time, is the stock uh on the downward trend is it on upward trend uh how much can we aim to


earn, err from buying and buying and selling, if that's our strategy, now, now


if you time it right uh uh maybe uh I think currently is a bit, is behaving a bit weird uh so, maybe you should uh research more and and wait wait it out a bit before you before you want to invest in the market


ya so that's it's it's quite interesting , think there is a point about this err, where is it, err


ya uh no as I was, ya that's that's that's one thing second thing is nowadays a lot of I mean all all the uh financial firms out there are relying more on algorithms compared to


uh I I mean the algorithms are getting better and better that's is the first point uh second point is uh human emotions are, affecting this uh, investment strategies uh less and less so


err in sense all these uh investor sentiments are not really affecting the market uh that much as compared to the past


of course lah definitely, I mean not hundred percent lah but it will definitely be affected end of day


okay so what do you think what is your opinion about this strategy buy buy low and sell high


the the capital gain lah, yup


yup I think is very risky, that's for sure


err what about financial planning have you ever thought about financial planning, in the future, ya like you know like buying investment policies things like that


why not, so you think that, ya or it could be it could be a what lah it could be a a a a a robo advisor fund


so like you know you you uh engaged those like robo advisors for example like err what's what‘s the name of one of them uh, you engage a company to do do investment for you but they use like uh they use like AI AI uh investors lah in a sense


they called like robot advisors for example like endowus, err who else is there syfe, I don't know man I I I did some research and the, the returns are quite err pathetic lah


but I mean is very safe lah that's that's what they claim, but one risk that you'll you'll face is uh the chances of the company closing down lah cause a lot of these robo advisors are usually startup's


, err like we discussed earlier number one is the market is not so affected by sentiments anymore


so just just just because people think that in the economic is gonna collapse doesn't mean the stock market will follow, uh that's what I think, also there is all these injections from the government


so that that is keeping it afloat, ya I know what you mean, ya so hopefully uh things get back to a new normal by then lah


okay so if you don't uh believe in using a financial planner err what would your investment strategy be overall lah your portfolio strategy if you gonna to do your own uh financial planning


uh


uh, so well well a well weighted uh, portfolio lah, you, you mention ETFs uh have you heard of unit trusts


unit trust, ya so they're quite similar , but uh ETF is something which you buy uh you can buy on your own unit trust is something like uh you pay I mean you pay a a certain amount to the broker and then he consolidates all these uh money from all his uh clients per se


and then he will invest it in, uh different stocks based on his own uh acumen so do you think unit trust is better or ETF is better


, no lah I'm just saying lah what if


that's true lah so you'll uh buy your own ETF lah as compared to uh


what if the person says that like (hmm), ya that's true but no what what what if like you what if you say what if what if the person says like err if you if you if you put your money into into this unit trust I can guarantee two times or even three times of whatever you get from this ETF


I don't lah but I mean what if the guy says at you lah,


uh definitely there is a lot more on knowledge uh but end of the day there is still a little bit


form of gambling involved lah, right cause end of day you you would not you not hundred percent know what's going to happen to the market, uh but of course this is this is this is where knowledge comes in uh the more knowledge you have uh the more you reduce that risk that you're taking


so I would like to called it calculated risk and not gambling, is, me, uh I've been buying into uh fund fund houses err apart from that I uh put some money into uh sets as well


uh really what a coincidence, what's what's your what's your sentiments about sets,


ya why not why why can't you laugh , (hmm), please explain your your your decision


ya, that's true, that's true that's true


but that is uh what you call timing the market, so


, but then again what what are doing now is relying on pure luck uh do you agree


so is it considered gambling then, ya


yup, I guess that's true to a certain extent


we just discussed that uh stock market is not affected by, uh how the economy is doing anymore, err in fact you can see that when the economy is doing badly and the share prices drop ah the stock market actually


uh performs better with so many people uh trying to buy in new shares, , err you think yours is very unhealthy uh why why


why so, okay we talk about we talk about what what if is we are not in COVID nineteen not not not under lockdown what what what are your spending habits like really


but do you save money end of every month, in do you think is enough


I I I, that's for sure lah but whatever you're saving right now is it enough for uh whatever you are doing right now


so how would you try to improve on this uh, uh


and that's true lah, okay so what if you currently have like five thousand dollars uh into a certain stock


and then you are at like maybe ten percent uh gains right now, err, no and then uh you are you are out of your job you need uh money to spend on your daily necessities but then you know that this stock will rise further to maybe like let's say thirty or even forty percent what will you do


(hmm), it's already it's or did I say at ten percent


but then you need you need the money you need the money for like you know your groceries your meals and all that how, so you so you starve and wait for the thing to rise


oh, okay fair enough, ya


everyday, uh interesting, uh that's for sure


ya, ya that's that's true, or you can just do uh FOREX


ya it is


err really, okay uh so what are some of the worries and anxieties that you face or you think you will face in the post COVID world


ya man


ya mans,


yup, but you said lah finding a a job is a biggest anxiety


err, think a lot of companies are down sizing, err so you know it's going to be tough for everyone to find a job previously you know one job maybe you have like


few hundreds of uh applicants, uh now is going to maybe one point five times or even double number of people that you need to fight for that one position, it's tough man it's very very very tough


, I think,


it's


ya I know but I'm saying that my my point of view is that the the political views behind this coronavirus is beyond our, our uh scope of influence if I can put it that way


it's not something that you know we can change so no point thinking about it err I think more importantly to think about how we can work around it lah, man made or not,


but the the the coronavirus sucks, took away my, my err, my err welfare and my job


how about you describe a time when you felt betrayed, or heartbroken


oh, do you think you got played, what if like she just treated you as a friend all along but you got the wrong signals


what if like she actually had feelings for you for the start but towards the end it was for other guy instead


ya I mean she's just not the one for you lah, so how heartbroken were you


really, what do you do when you're heartbroken, really


oh my god, how how how do you feel was there like a sinking feeling in your heart


(uhm), , you recovered fast okay lah uh one one week is quite fast I I guess


err heartbroken, uh please have uh please do not include names in this discussion , uh that's true lah that's true that's true


that's true, err quite quite I was quite heartbroken err for a few days only though for like, was like two or three days, ya, err I guess it was never meant to be lah


, , I think I'm I'm very


really how, uh I'm sorry I apologise


and you're not, ya, I see


right, that's why she makes you stress,


ya lah but I mean not not all not all, I very seldom get stressed uh for some reason


, but I think, err I get stressed, when I get competitive I guess so no matter what I do when it gets competitive uh I will get quite stressed


and err I get upset when I don‘t err uh uh uh, achieve my expectations, , ya


okay uh I got a good story for this uh so this was when I was have I told you this story before, when I was uh in uni when I was in uni in uh in Perth


so err the reason why I went to Perth was because I uh have a cousin uh living there he invited me over to live with him while I did my studies


so I thought it was a very uh logical and economical choice lah to go there save money on lodging and all that err and then when I went there right, at first he was okay


err but then as as time went on he became a bit weird lah so he started like err, started like borrowing money from me, ya and then like uh when we went out for meals so I always got meal with him his wife so three of us


err, so he will he will take turn I think we will take turns to treat each other so whenever I treat him uh I'm treating him and his wife, but then he treats me back it's just him treating meal ya back and forth back and forth so I‘m always on the losing end


and then uh it all and then his parents also were quite err, how would I put it quite , biased towards uh uh me lah, so when they cooked dinner right uh for example like for example they roast they roast uh a whole chicken they will keep the thigh and the drumstick for my cousin and the wife


and then the rest of the the the meat uh the breast meat and all that they will shred it into like small uh pieces and then I have to share with them, ya the the the leftovers


I didn't lah but I mean I I I behind uh, behind the scenes I I I told my my my dad lah so after one semester he asked me to move out , so the the ultimate uh the the the breaking point right was when I went out with my uni friend


and then I told my cousin say I'm going out err to chinatown and then he was like oh chinatown is very dangerous uh you can't go there unless you go with me, then I was like no way man ya and then so he said err okay never mind uh you can go but you have to come back by eight o'clock


ya let's say you can't put a curfew on me I‘m I‘m like back then I was twenty three so I'm like twenty three I'm not thirteen even my parents don't put a curfew on me so how can you put a curfew on me, then he says uh if you want to go you have to you have to come to consensus lah so I let you go until eleven but you have to come home by eleven


he's like thirty some uh same age as your sister, thirty something, so after that uh I I I agreed on eleven so because I have no choice so anyway uh I got home at like eleven O two


and then I found my luggage outside the house ya and then uh when I when I went back in the house with my luggage right he was like oh I thought you're not coming home already so I left your luggage outside for you, ya and then after that after that I I moved out lah


no we are not uh on speaking terms anymore funny thing is that he said he felt betrayed by me, because I moved out exactly but anyway that was uh okay okay please share


really


, why why do you think he did that


why as in like why was he trying to like steal your girlfriend, what a weird fella ya what a weird guy


so you are


and then you are and then you fell out, right despicable disgusting


right, right


, err err let me guess uh a knife, oh


why did boxing gloves, ya


have you heard have you heard any news about this friend, alright


, err have you ever been looked down by your relatives, really


regarding what,


uh are are their children doing well, oh really ah, , I think for me luckily my family quite grounded down to earth so academics not everything lah


I think err, err everyone is uh more interested in finding a happy life,


yup yup, I mean ya lah that's


, that that that that that‘s that's true I guess, , maybe you should, maybe you should minus uh the part about uh throwing the money at them lah


, I see a lot of anger in that, okay last question


do you think uh being expected to have children now is uh unfair, for example lah let's say your dad says ah I want a grandson make one for me


so so you‘re so you agree that is unfair lah


ya so I mean uh you agree that is unfair for someone to expect you have children , do you think is a duty to


, so is more about monetary uh consequences ah


but then there is there is an effort well what


(hmm), true true true true, true so you're only uh, !huh!, I'll definitely not lah


definitely not, I mean uh some people say that you know there is a duty to carry on your, err family line


but what if you wait too long and you are not uh cannot portent anymore, ya I mean what if your wife is not procreate anymore


!fuh! , but there's a higher chance of uh


is it, right


so the only only the only consequence is (uh) the age gap, (um)


okay uh what was the proudest moment of your life


, elaborate lah ya as what, in in what in what events


I mean like the there were multiple events right for cycling uh category


so which subcategory were you in, okay err uh between road between the the road race and the BMX uh which do you prefer


really, does it make you happy, , must really love cycling then


so actually what ah really, like like a road bike, oh, then she's gonna ride your BMX


oh okay, what, oh really, I see so why why can't you just use a mountain bike and go on the road then


why not, so it so it tires you out ah, right


oh I I I don't really know man I I I never thought about it maybe when I uh maybe when I graduated from university


ya err that was quite a that was quite a that was quite a good moment err, for my for my uni ah they even had fireworks at that at that point, ya it's quite it‘s quite interesting so the moment where you you get throw your hat right uh the the organisers will will shoot up firewoods at the same time and then then like you get you get like a rush of emotions


ya, I was so happy I almost felt like crying at the point of time, no obviously not, maybe a bit lah at the back of my eyes ya but if uh COVID nineteen carries on you will be throwing the hat in your own room


you think so


(hmm), yup I I I read the uh about the news recently about this low cost drug that has been approved


that's no such thing as a perfect day my friend, a perfect day would be waking up uh naturally


err on the right side of bed , err then uh, no I did not, ya but I I didn't wake up naturally lah unfortunately


ya !huh! uh left side, ya, ya err


I see, to anywhere in the world, what what is your favourite country to go to then, oh okay


why, I see so you so you like going to islands


what kind of beach , , I see which which which which is your favourite beach so far, ya, Bali like uh Kuta beach


Tejakula


right, so the beach is empty so then but technically there are no like activities there as well in that that that that case


so is is a payoff lah for the privacy, !woo!


it's that's in indonesia right


yup, uh waking up on the sunset is a little too late uh


what was the happiest moment in your life if you don't mind sharing, !wah!, I don't know man, err


I think I've tried to be I've tried to be happy everyday uh so I wouldn't think there is a happiest moment, err how about you describe a fond memory you shared with your loved ones


could be something from your from your childhood, oh I heard you cried


cried tears of uh joy, I think there is nothing wrong with crying if is tears of joy, ya so describe a


the wedding for me since I wasn't there, no I wasn't, that's that's that's all that matters what I I I don't believe in big large scale weddings


is a complete uh waste of money


Instagramable, that's that's so like, that's so like uh


that people would want to instagram it, I see so so, no definitely not, ya that's true


so where will you hold your wedding uh, hypothetically, that is expensive man, is it


but I mean if you think about it the amount you gonna to spend on a banquet uh can easily bring you to an island, right, the amount that you spend on on the banquet can easily bring you to an island


yeah, so that's how you gonna choose your guests for your wedding lah


true


ya that's true lah I'll give you eight dollars, , what what what was the best meal that you've had, oh but actually let's let's let's rephrase it to what's your favourite meal ah


I mean favourite dish, oh really, steak and ice cool beer where where where do you where do you have your steak where's your favourite place to have steak


cut by wolf gang puck, err I think I like


good question man I'm gonna go for , , can't make up my mind, err


ya wait let me think there's bound to be something, yup yup, nothing man I am not a huge foodie


exactly err but if I were to go eat something outside right now I think I will go eat duck rice like braised duck rice


no lah not that kind lah like uh, those kind of like uh coffee shop duck rice, ya, or maybe some sushi ya since I can't make sushi


ya man, uh Sushiro uh, Sushiro is quite good as I heard, is good and reasonable also uh Sushiro but is uh always fully booked because they have like


yes yes that one, they only have like what ten seats ah per per per section, I mean it depends on how big the restaurant is lah


why do I like to be alive, , why do I like to be alive err cause I wouldn't like to be dead lah I think I'm not at the point of in time where I can accept death


it's quite a scary concept for now, ya lah but right now if you ask me about dying is quite scary


isn't it, don't you feel don't you feel that way, so are you


!wow! sounds thrilling, uh


oh shit, ya, oh, (uh huh)


that's that's a weird weird video man, !aiyo! then the guy still never ask are you okay ah ask are you chinese


ah where where where did you see facebook, right


describe the moment when you when you felt the luckiest, no, describe the moment when you felt the luckiest


yeah, when you got a girlfriend,


, how about you uh talk about sometimes somethings that she does to you or does for you that make you feel a very lucky man


like what lah you cannot share meh or you shy


, oh really, !wow!, !wow!, if only my girlfriend did that


, what was the biggest reward you have had received after doing an awesome deed


okay so err it was not like a good deed lah but uh the biggest reward I received was cash from my dad err in in ya ya in in thousands , so


ya something like that so uh, ya so it was uh during my my prelims uh I got like twenty something points lah err probably like B and C's for everything and then he came to me and he was like err I think you're going to flunk your O levels lah so


I I gonna give you a challenge if for every A you get uh you you get a few thousand dollars from me lah, and then l got like four A's for O levels quite funny


, what are you thankful for last question of the of of the session, my best birthday present uh my thirteenth birthday present


uh it was a PS one, I mean is the one that I remembered the most lah, subsequently I my all my birthday presents all quite unmemorable uh my twenty first was not bad I uh got to travel to japan my own


paid for paid for paid for ya ya that was that was pretty pretty dope


which is what, I I think it's gonna be like a watch, ya then, maybe she get you a car,


what what car would you want if uh she will get you a car in, oh, second hand nine one one,


financial related topics


I also personally not very experienced in this field but my my mum is a in the in athe insurance sector so she actually got tell me about certain stuff lah I know she and actually she handle most of my insurance for me so uh


if I'm not wrong uh I have a critical illness insurance plan and I think is about like we when I'm hospitalised or have certain illnesses then the insurance will cover lor then I have to pay a certain amount every month to maintain it


yeah


I see, number two ah number two , no I don't know I don't know what's an endowment plan yeah


so I probably don't have a endowment plan ah yeah, the third one


no, okay uh, uh for me number three I will I only get a insurance when I travel overseas because I don't have the rest but uh yeah I also feel that uh travelling yeah overseas like the insurance is


the insurance is like uh quite important lah for us like to protect us like example if you like lose certain stuff then we can claim I think and like the risk about of going overseas is the risk of like uh meeting a accident is much higher than staying in singapore so I feel is very important to get


insurance when travelling overseas, yeah over back to you, nah


uh I think uh actually I talk to uh some financial advisers before then uh I realised that our at our age right we are quite young so we should actually start on some investment uh insurance now like at our age lah because


if we buy it too late then it uh because in normally if you buy those investment insurance it will take like ten years for it to mature and some stuffs so I think at our age is prudent for us to buy uh certain insurance uh investment policies but


should be within our uh appetite uh our risk appetite and our financial uh , background lor yeah how much we can put in per month or like something along the way uh along the line


what about you


cause actually, actually what I see ah in in like our in my future ah it's like certain points in my life where I will need more money than than normal ah it's like when I'm buying like in future I when I start working I buy a car or like when I get married


or like , when I uh buy a house set et cetera lah these are points where I will need like extra money so if I were to start let's say a ten year plan ah then it will not be very feasible for me because


in I will probably want to get a house in less than ten years and like a car in less than ten years et cetera yeah, that's like a consideration lah that ah


ya lah most of the investment policies like you put inside must put inside ten years what in order for you to get the full value, no like the insurance investment schemes it's like


it's like I don't I think it's fixed lah it's not uh very uh you can take out anytime one I I think some ah some I think some of them can but not all so I have to go and see lor, but very very hard to find lah very hard to find


yeah, , okay uh your turn lah, (mmhmm)


actually nowadays I barely bring my uh wallet around so I because I just use a card a card to pay everything or paylah I think now nowadays paylah is readily available across most shops (ppc) so I don't even need to bring out my wallet I just use my phone to pay yeah or grabpay


yeah I think nowadays yeah, most lah,


(mmhmm), personally I use like paylah a lot lah, nowadays, okay back to you ah


(ppc) okay, you're asking me, uh (ppc) because like I know like uh the course that I'm studying now is not really really financial related so I'm not very financially literate lah so I would actually go and ask my sister and my mum for like advice because they're both in the financial sector


like the proper way to like invest my money mean like a in like a low risk, low risk investment ah I would say yeah and I will build upon it lor because one million dollars is a lot lah and I wouldn't wanna blow it away immediately I wouldn't wanna spend it either so I would like start investing and like try to grow the money


yeah how about you,


(hmm), actually for me the uh in the future I'm I'm thinking of uh being a entrepreneur also so it's like I might need capital to start a business a company lah a pharma company yeah


so that's like an another way to spend the money lor but, uh I will like at my age currently like I haven't graduate yet I will for university I would yeah I would look towards invest investing it lor then like maybe I will actually like I'll maybe invest like nine hundred thousand then like hundred thousand is for me to spend lah


yeah, like maybe yeah like like celebrate with friends and family and stuff not like I keep all lah like hundred thousand I will just spend it quite I won't I won't be very uh stingy with my money lah like treat my friends drinks or something you know


yeah,


for me (ppc) actually like the small stuff that I that I did uh is like, I bought blue chips uh STIETF if you know what is that so it's like I buy a certain amount every month so I do dollar cost averaging then uh yeah I currently putting in like three hundred per month


yeah three hundred per month and then uh I'll pit it across like a long term kind of thing lor yeah you know what dollar cost averaging right, (ppc)


oh it's like because example like the blue chips is like cost one dollar for one so like maybe I buy this month I buy thirty dollars so it's like thirty blue chip but then like every month right the cost of the chip will fluctuate


so like it will become eighty cent per chip or like one dollar and ten cents per chip then uh if I buy like across like maybe ten years in the future then the average cost of the all the chips I bought ah I buy equal amount every month lah the average amount of uh the average cost of the chip will be like one dollar


per month I one dollar per chip then maybe on like the tenth year ah then like maybe the chip suddenly go up to one point five dollar per chip then I will I will sell it like at that higher rate lor then I will earn like a one point five times amount back yeah so it's like quite


it's very low risk lah this thing that I'm doing yeah then uh my I know my like my sister got tell me before like she do like stash away like she do investment in like overseas like uh don't know china market or something ya but I'm not very


well read into this topic lah uh what about you, okay


no but as in the I'm buying uh STIETF that's means its like the top fifty companies in singapore, yeah it's like not it's not one company yeah so quite stable lah


yeah yeah, it's a, yeah uh yeah correct correct, how about you do you do anything


(ppc)


so how much you putting in per month, hundred per month, oh


is it what's the risk like for it, (uh huh) there's a risk to everything what


actually you buy yourself or your parents buy for you one , oh the first day of NS the AIA talk that one ah


oh I bought the I bought the the what ah the for the safety one like in the army during the army period only the damn cheap one one dollar one dollar one, one dollar per month ah but yeah then it's gone already yeah


too late already too late already , sorry, savings uh yeah uh I have savings account lor


but yeah savings account the interest rate very low lor then that's about it lah, what about you, oh err okay like currently err I'm working part time uh


I earned about I would say two K plus per month, yeah because it's a part time job thirteen dollar per hour and I work the twelve to thirteen hours shifts, yeah so with that amount of money uh I'll just put in my savings account lor like I don't like my how to say like I just try not spend as much I don't really go and plan out like !wow! how much I'm going to spend how much I'm going to save


I just err try to limit my spending as much as I can yeah I feel very conscious if I spend a lot, yeah so then that's all I do lor I don't really have like oh how many percentage I would save and stuff I I think I only do that uh in the future when I actually get a full time job and like I get a a stable income then I will planning out lor


yeah if like I think at this stage a bit hard to plan based on like my mum's pocket money to me or like and stuff yeah what about you


yeah but I think it's not as bad for like as us lah because we are like like the the way like uh we are brought up it's like uh then we should save money so it's like we have that we have that uh conscience behind us like nagging us not to spend so much


but I think for those people that like are very like uh like like to spend more money like uh very like very uh like shopaholic or something then they should actually went go and like to consciously go and set aside money to save lor I think for me and #wen le# is like uh


for both of us lah I think we are people that like uh don't really spend much money also yeah, (hmm) so how do you spend your money


(mm), (err) do you continue, okay, I press the stop button [ah]


yeah okay I start already, #wen le# what was the saddest moment of your life


I see , for for me the saddest moment of my life uh actually I think I'm quite fortunate like not to have like a lot of sad moments of my life lah but uh think it will be like I when receiving my year one sem one results !wah! that was a disastrous day


yeah uh, that was err one of the saddest moments of my uni life but saddest moment of my life actually really not much lah I'm quite happy go lucky also yeah I'll get over like the sad stuff quite quicly lah maybe I complain a bit about it like three four times and that's it


yeah, so #wen le# what is an event that made you very angry, is it the laptop one billy put your laptop


eh please avoid humour ah


err actually not really but I guess describe an event that make you very angry I think secondary school uh cause I from a boy school you know like there's fights everyday it's like quite normal yeah


so err everyone is involved in a fight like in secondary school I would say like one way or another yeah so probably then but it's like quite long ago so like if want me describe in detail I can't remember what we fighting about but like yeah


like last time in boy school quite chaotic lah, yeah


so what do you do


, giving up on what though


err I don't really have a girlfriend so yeah describe time when I felt like giving up, I would say, not really


err I didn't feel like giving up I would work harder of course yeah so not really I don't I'm not a person that give up ah you know, once I yeah, not really yeah what about you


oh yeah I see I mean yeah


for me ya I think army also so like during like my cadet school !wah! it's the worst, it's like err they like do stuff like err, like two AM like suddenly turn out you know like we sleeping halfway then ask everyone go parade square do PT because like two dudes like sitting at the staircase something it's like what what's related with us but then like yeah then we all suddenly go down do jumping jacks do push ups


like for one hour plus then after that the next day we still have to wake up early like very ridiculous, yeah like a lot of a lot a lot of stuff lah like like make you want give up uh like doing like all the long distance stuff road march also


okay lah road march still okay lah but when like running ah !wah! two point four ah that time ah uh my stamina not say very good lah so I will like still wanna walk lah but I'll push myself lah of course I feel like stopping lah but I will just run lah !wah! its very torturous lah running for me is like


it's not my thing lah not my thing, yeah


, so who was your buddy that make you suffer sounds like a interesting character ah, wait legit legit eh say leh why why


now ah now ah but you got eleven minutes to talk about him #wen le# tell me about joshua, yeah why leh


okay, (uh huh), okay


okay


but he don't need return arms meh like he clean already then, but then he shower already


, then oh, never say anything meh, never say everything ah at all


oh he was alone is it, oh oh yeah oh yeah true true I forget I always like eight men bunk one person go up ah seven people will scold him


different lah different my greatest fear (hmm) , err in like last time when I was young I think ah I was scared of heights I guess but not really now


err my greatest fear is to experience failure, yeah, yeah because (ppc) like who wants failure you know , like yeah so everyone fears it right it's normal yeah so that's my greatest fear lah yes how about you #wen le#


I never failed my sem one lah what the hell I always get at a B plus average but , err greatest failure, err, I guess err


my love life is a great failure, yeah not not really happening yeah , what about you #wen le# , err no not really like I just like never do anything lah


not happening ah not happening what about you


okay this sports camp I will do my best , what I often worry about ah I worry about like you know like


like my body getting out of shape so like I need to go and gym and stuff !wah! it's really damn burden yeah but no choice lah hor now gym open already just nice lah so I'll go gym like after the call you know actually I'm quite hungry maybe I eat first see how


anytime fitness lah, got membership what yeah but I'll try to freeze it before uni start yeah but yeah that's it lah anyway probably in hall I think they opening the gym so should be lah because they open public gym also


so like that that is like something I worry about on a daily basis about getting out of shape, yeah about getting out of shape that's like !wah! I cannot like it's like nagging you know at me it's like I see like my body getting closer to like a certain person called shaun lah like I'll be a bit tilted yeah


what about you what do you worry about , your belly fat


actually like I had that fear last time but then like you just try to like how to say like mean max lah like every time of the life you try to do something like that is like building towards your future so like now let's say ah


I during holidays like I work at MOH for my portfolio, then I take two online NUS mod know what I mean that kind of stuff then like maybe the next sem you try to take internship, that kind of stuff then like you like all the experience ah you lazy ah like you accumulate ah then you won't be worry you won't be worried already what cause you done your best in every aspect what you make use of your time that's what I feel lah (ppc)


then okay lah


, actually yeah now you talk about uncertainty ah like !wah! my heart always like very pain leh but I don't know why like I got go hospital lah last time because of my my chest very tight then I hospitalised for like a good two weeks


cause my heart, then like, because of what no lah no it's like err it's called like uh pericardium so it's like a inflammation of the heart lah but it's like how say the the way doctor diagnose ah it's like I also don't know sia like they just take my blood level then they see eh the white blood cell count like very high


then like they just take a okay they got take like MRI and stuff then its like can't really tell anything but my my heart is damn pain leh it's like really like heart attack like that, no like last ya but but recently also got pain but then it's like like okay it's like pain ah it's like how to say like maybe pain for like five minutes then it stop already then like when want me to go and call hospital and go where !wah! damn Leceh then like the doctor also not going to do much so I don't know lah


it's like occasionally will pain so it's like yeah that's something I worry about I don't know don't know what's wrong you know then I I also don't bother telling my parents because like ah if I tell them ah then like err they will like eh go go see doctor and then the doctor also not going to do much then like waste my my whole day you know


yeah that's something I worry about the most lor now like my heart, whenever is pain ah I'm like oh shit you know like only when I really cannot take it ah the hospital that I went ah was like I woke up at like two AM or three AM ah because it was so painful ah I couldn't sleep then like I try to sleep it off but I can't sleep it off in a hospital yeah


like all the bearable one ah I'll just like you know ignore it, quite worrying right actually I feel worried then how sia I go doctor also no use one


wait it out ah, I see , I am keeping myself healthy think what, eh I don't drinking sia I don't think before drinking like I never drink for very long already right but then I recently like maybe like I'll say two or three days ago I had this thing ah !wah! damn pain eh


yeah, thoughts advice advise me leh any advice , ya lor then


no leh it's like really I feel the pain leh it's like like out of the blue, not a psychological thing ah for sure, ah maybe like maybe like I need like one more good one more big episode of it then I'll go see doctor again


yeah lah but then like no choice lah right you want me to waste one whole day go in see doctor and do nothing meh, okay the thing is like it lasts for five minutes then by the time I like like I tell my mum ah about it then its like uh really like feel like normal already then like I go I go hospital feeling like completely fine you know what I mean it's quite ridiculous is as if like the condition know when I going to see a doctor then it just stops


yeah , but like the spacing also like a few months one leh it's like two months yeah, okay I have finished my point I stop ah


#wen le# you start ah


I think for me like I have a like many positive experiences in life so like even like like the the so so called like tough period in army like my vocation is actually also quite a tiring but then


I really really glad I met like the people like there or like in uni now it's like really they are really my they became my life long friends ah like every stage of life that I had I will I'll always meet like err the right people ah I feel


so it really err it really like made err my life positive one lor, so uh #wen le# describe a time when you laugh too hard,


ha, err I noticed you say we ah but actually personally I don't drink a lot of alcohol ah yeah yeah then anyway the time describe a time when I laugh too hard ah actually like there's like too many


occasions that I laugh ah I laugh I laugh I laugh quite often ah you know so I can't really think of for something that I laugh very very hard yeah so #wen le# describe a fond memory which is shared with your loved one


yeah, for me (ppc) a fond memory with like my loved ones like my parents is more like a constant thing lah like they err always consistently care about me consistently like take care of me and stuff yeah so it's like


a more accumulative experience lor yeah,


okay for me like the happiest moment in my life is every time I open a good result yeah that's the happiest moment of my life ah because it's like I study so hard for stuff ah then it's like when I really get a good result yeah I'm very happy ah


so every time I open up a good result ah I'll be very happy ah (mmhmm), , a perfect day uh a perfect day err it's when I get a lot of stuff done like I feel productive


yeah like not much time wasted and like, I think a perfect day also be like making like, like I'm meeting my friends my good friends having a good time what about you #wen le#


so what do you do with your friends


I like to err play poker uh play mahjong we just talk and chill or like maybe like just drink uh drink a bit


yeah see how ah yeah but that kind of stuff lor as long like we meet right I think regardless of what we do also fun lah, , so #wen le# what's the proudest moment of your life


for me err going to NUS it's like I don't know lah because of my family most of them like go NUS or NTU also lah so I go back I got into NUS I also like not very happy I don't know like my course people say no future then I like you know I don't know if I even


studying the right course and stuff but yeah still err going to NUS err not bad lah not bad I won't say is my proudest moment of my life lah


proudest ah err when I when I achieved grade eight in piano and flute yeah I guess


, yeah, actually I'm not a very picky eater I as long is not bread or biscuit or cake I'm actually good to go yeah but preferably uh actually what I'm craving now ah it's actually like monster curry ah !wah! I feel like eating monster curry now I don't now why yeah but


yeah I I very hungry now ah haven't eat breakfast yeah monster curry right right yeah


so did that contribute to your belly fat


where, where where oh err what I love most about myself err yeah lah I'm okay lah I'm quite tall lah so I like I like I like that fact that fact err but besides that err what I love most about myself I feel that


I'm more driven than the most the majority lah like I will work harder for stuff as in I don't know that's good or bad thing ah as in it maybe it may say that I'm stupid lah but I like work quite hard lah for stuff yeah how about you


or do you stop okay, what oh,


I see I see so err !huh! what uh you say first you say first , (ppc) actually who ah I would say


actually I don't really look up to anyone ish as if not say like I'm, as in I never really go and like look compare with other people lah yeah so never really think about it ah how about you


!wah! okay thanks for thanks for that hurtful comment okay but yeah continue


whose yeah shaun ah shaun Lee


yeah but mine really got no one sia my friends are like I don't know leh birds of a feather flock together lah, for me so it's like yeah don't really have any friends like that lah


#wen le# what do you hate as a kid but love as an adult, please be more, yeah enlighten me


err something I hate as a kid is to like sleep but then like now I like sleeping I'm very tired every time yeah that's one thing that really it's like the first thing come into my mind ah other things is like


last time, yeah I don't really like to study as in last time I don't really study also like from primary school until sec four I don't I didn't I didn't study a single time in my life like I only like go to lessons then afterwards I go and play soccer already yeah that's it


like before my O levels also like that I don't study lah I like I really just playing table tennis every day you know like just like playing around yeah that's, no lah then, not very good lah that's why err I only got ten points lah yeah so


err (ppc) so it's like yeah I don't study much last time then when you come to JC you know I'm go into SRJC then like eh something is wrong then like I start studying you know, then like when I started studying then like eh getting more like I really like started enjoying ah like the stuff that I learn last time don't really care what I learn lah


I think it's also involve in like the the subjects that I choose in like secondary school I'm actually a humans student core geog elect history double humans then like ya I didn't really enjoy it, then uh come to come JC I'm a science student yeah and then like eh science more interesting but then physics like eh still meh yeah so I end up at where I am now in university chemistry related yeah


, uh for me would be like err actually quite there's a few lah as in but actually I realised that all those memorable one is with friends lah so japan one was very good it's like really my first time like like


like seeing snow real life err experiencing good food uh my first time skiing also err my first time going to like a maid cafe you know I don't know like a lot of like my a lot of first times over there lah I would say


yeah err like it's quite happening lah yeah for me yeah very good what about you


chemistry


okay I press stop already


financial related topics, err so regarding finance I'm actually quite inexperienced about


yeah anything regarded uh regarding finance because I actually never really read up on it but err regarding personal insurance I do have a few err one of it I'm buying myself ah


is is from AIA it's sort of a actually is a investment link policy lah that have a bit of insurance and half some of it they err some of the money I give them will be


given to uh investing also yeah uh ian do you have any insurance


oh actually I think I have that also but I have a malaysia one ya cause last time I was in malaysia then my parents got me a insurance plan from malaysia actually I don't really know how it works yeah but


I have ah, err yeah, err, err endowment actually I don't even know what's uh endowment plan, ya do you have do you know


okay, uh then I get, yeah, uh, uh I


do you get err I haven't buy any car property, children or domestic helper so I don't haven't had experience, err with getting into insurance when buying those stuff but I did get insurance when travelling overseas because actually yeah oversea insurance quite important ah to keep you safe I guess


yeah so I guess I'll be getting more overseas insurance ah sounds necessary, but actually we are now only twenty two years old, so do you know of any like insurance that are essential for people our age


oh actually I got the same sentiments lah like I believe


uh we should have some insurance but we don't need to spend like most of our a lot of our money on insurance because yeah we are still young lah and I think it's really quite unnecessary for us to get err all the insurance so yeah I agree with you lah we should err


the invest our money into doing investment policies or yeah just do investings ourself I think it will be more,


actually they are, wait but then that's like saying if your when you invest then you can not take out the money ah


, isn't that like bonds or


oh ya lah if you looking for these kind of flexibility then should look for those can take out one, ya I think should be hsve lah err, err actually when you go outside like since now phase two right then you go outside err


err since can start spending money again do you prefer to spend with cash or use card to pay


yeah true, yeah even and travelling around also don't need EZ link cards nowaday uh can just use a phone to enter public transport so it's actually really very convenient yeah for me I also prefer to go cashless lah


because yeah it's really the bringing money around is actually quite I'd say troublesome having to draw money when you don't have and having to like physically do the exchange of money yeah and then if maybe like considering the climate of the pandemic


err I guess, maybe going cashless will be more err hygienic I guess yeah doing less transfer of do it uh less exchange of, physical contacts, yeah, err for me when I go cashless usually I will


err I don't use paylah that much usually I will just pay using card lah ya cause I feel like paylah actually quite troublesome like need to log in then still need to put the scan QR code stuff and all yeah so like got quite a few details


when I pay with card then you can just oh give them a card then they settle everything, yeah or like just tap the card yeah, , yeah


okay err yeah actually then talking about money right if somehow I get like a lot of money like one million dollar okay if you get one million dollar what will you do with this money, yeah


yeah actually I got the same idea lor like I would yeah continue try to generate more passive income off of the err money I have but then like realistically right, I don't think I'll be be able to do it lah because ah if I get this huge amount of money right


I think the first thing on my mind will be like on how to spend it lah instead of like really how to grow it yeah and actually for me I don't really like trouble lah guess so like learning having to learn how to grow the money and going through all the different avenues to grow the money I think a bit troublesome


so maybe, if I really get ah maybe I will just like try to lead a a bit more comfortable life but not spend all at once yeah then, yeah but then I'm hoping if I really get a lot of money I would get enough such as I'm settled for the rest of my life lah then no need to worry about growing passive income or what yeah


yeah but I guess it's just a !huh!


oh


oh okay next err, err actually, when actually we talk about all these investment right how do we actually go about


doing investing you got do any,


yeah yeah but maybe yeah I know lah but maybe just explain a bit


but then actually if you just buy like say the average and you just do dollar cost average for just one company that you buy then if that the the chips for that company suddenly tank then


won't it be very bad for you, so is very stable lah, oh wait so you buy your chips is from all the top fifty


[orh] okay anyway, err, actually, I guess the only thing close to me doing investment is as I say the investment linked policy lah where is like sort of like half insurance half investment policy like


basically I'll just same thing err I'll give money every month then they will basically the insurance company will help me like sort of like do investment with my money so I don't really have to worry yeah then


yeah then is projected like maybe like when I reach sixty eight years old then I would have saved up err half a million that kind of stuff, for now it's like hundred, yeah hundred I think hundred to hundred fifty around there yeah so it's yeah so it's just an amount lah affordable amount yeah


the risk, , err, actually I kind of forget what's the risk already like it's been so long and I sort of like just every month I put in the money so I don't really care about it yeah


err, actually I feel like I got scammed for this ah I bought it when I was in NS then you know when you first day in NS then like got a lot of the, yeah the people lah then I sort of like got then I just went to uh listen to one of them lah then I talk then that time I don't really know anything then I just buy yeah then I think a bit


oh, okay lah, yeah whatever lah feel a bit of wasted but oh well okay err so you got do any savings


do you do any saving yeah, oh


oh wait as in you don't have any saving goes meh like every month save a certain amount of money that kind of stuff


true actually I don't really plan my savings also like I just, same thing lah like sort of in my mind I try to gauge how much I spend that month then I try to limit accordingly ya so if I feel I spending a bit too much then I will


yeah I'll make a conscious effort to don't spend as much lor yeah but then I think err having a planned saving is actually quite important like plan how much to save every month yeah it's it's not really the money that you save lah but is a habit lor


so like next time when we have the income then is yeah is I guess it's important to save


err yeah


err for me I don't I don't really spend err, actually I'm quite thrifty with my money one lah like usually we will see like people spending money on clothes or and stuff but I don't really do it lah I only really buy when I have to I guess or when I go overseas then I a bit want to spend more then I spend more ah but other than that


I really don't spend that much and most of the spending is I would say spend on social activities with my friend lah yeah like I think I value that more lor like spending money to hang out with my friends instead of like for my self interest yeah


okay


err , Ian so like since we've been sharing so


oh okay you beat me to it but saddest moment of my life ah, actually as I said previously doing the positive experience discussions I'm actually a very positive person, so I don't think I've been


I've ever been very sad, oh err I guess one moment that make me quite sad was, err during this pandemic ah when my when both my parents got, err got Kena the the COVID nineteen yeah and then that was back at


err february or march like when it's still quite early on eh or is it april or may I can't remember but when it's still quite early stage for singapore ya then I then like we don't really know much about it and ya as before the CB and everything


yeah so I was very worried lah and that moment I was still staying in hall so like I can't really see them you know so I don't really know what will happen to them ya then I guess I was actually very down yeah don't know what to feel ah yeah


but then actually for me like, I tend to overthink about stuff so I tend to like draw to the most dramatic conclusion then I have to think about like what to do or like what will happen from now yeah that kind of stuff so actually I'm quite sad lah quite depressed


what about you


oh, ah , okay actually


I was just a bit uh disturbed ah annoyed that he never that people didn't treat my uh object with respect yeah because I I guess I treat everybody equally ah ya okay err but


actually I wasn't very angry ah just annoyed ah that yeah but then err I guess because err I guess my friends will say, I mean uh maybe due to my positivity also ah I don't really get angry yeah my friends yeah all my friends around me never see me angry before I guess I think


err so I don't really get angry also ah at stuff because for me I can I see the long term ah and I I know that it won't really matter in the future so I don't really get angry about stuff, yeah what about you do you get angry


oh actually talking about secondary school I remember like err there was this one time where after exam then we had to help shift the tables back to the position the place lah so I was shifting a table with my friend


then I was walking backwards then I bumped into one of the school bullies lah, then like somehow he was very tilted, okay because maybe I bumped into him but then I was walking backwards ah and he was walking towards me so I don't know how he never avoid me ya then he like just started like bullying me lah in a sense like he pushed me against the wall then like call me names then say like what ah you walk never use eye see ah that kind of stuff


then I felt very unjust very unjust lah and like and I just in my mind I thinking like this guy must be an idiot yeah okay lah, yeah then I just keep quiet lor then I like laugh it off because I don't really care about what he say lah yeah but then


yeah but I guess laughing was my coping mechanism mechanism also because I actually quite scared yeah cause he made like threats like oh from today onwards like before you leave school I'll stand at the gate I'll make sure you don't go home like


you like I don't know lah he sort of just threatened me lah ya then he also know about my CCA ah oh you in band right ah you think I don't know that kind of stuff and then I feel like oh my god what he going to do okay lah but in the end he then never do anything lah cause I guess I was quite insignificant he just I think he just that day he


maybe it was bad day for him yeah but in the end nothing really came out of it ah I don't really care lah okay err so describe a time when you felt like giving up ah Ian


anything lah can be love like your girlfriend or


or when you do badly for sem one


!wow!, , for me I guess will be in army ah like same thing ah about the training and stuff, yeah it's really damn torturous lah and like


everyday I just ask myself why am I going through this like why even put in the effort and care and like suffer when you can like #chao keng# like the rest of people and sort of have a easier life, yeah so like everyday like that's on my mind everyday ah and really ah I don't think is worth it ah unless I was a regular yeah but then I guess end end of the day I still managed to see the bigger picture lah like it's really a self improvement journey lah and like self discovering lah


so it's quite meaningful


yeah actually I realised ah in army a lot of the stuff that we went through is quite unnecessary but then because of like burdens in our life or like like your buddies who quite burdened do stupid stuff then you have to suffer for it


not worth ah, I think you know him ah joshua, can lah joking lah no lah I joking joking no no no


okay next time, err what is your great no ian what's your greatest fear , no lah okay okay I guess is consider a negative experience also but then so it's like after we come back from outfield right


it's a eight days outfield at Tekong then like we need to, oh no it's after err scorpion king so like we dig for four days straight then, during the cause like joshua he sort of like he's the guy like do fast end fast then he can have more time to like chill for himself ah so he is actually like actually quite a self centered guy lah but then like if around his self centeredness was you like like


he includes you with him right then like I guess you benefit greatly with him also so like one thing about him is (ppc) when after scorpion king everybody need to go back to the company line to clean their weapons lah ya but then like it was very torturous


torturous cause like, we never bathe at all right then my whole body right like literally my whole body was covered in blisters cause of the heat rash like if it looks like I got chicken pox lah but then I don't have it's just like blister then I pop it right like all the water come out that kind of stuff so it's damn painful for me but then ah I still stayed


to clean my weapon and all but then Joshua right what he did was (ppc) he just went back to bunk and clean his weapon there and he clean for thirty minute right then he went to sleep already then I while that was when everybody is still downstairs cleaning their weapon then when I know that I'll be a bit tilted ah


yeah cause like not brother lah then like he only look out for himself yeah but then like I was envious also lah cause he gets to rest ya then I just down there stupid clean my weapon like waste my time ya so I guess in a sense he was smart lah and I was envious of what he


need lah but we spend most of as in like he just clean then he just leave the weapon there until like we have to return arms he come down lor I guess, yeah but I remember ya he then he shower everything then we all still dirty downstairs


oh I actually I damn tutored then lah it's like where got why have this kind of people ah yeah but I never said anything to him lah cause I'm his buddy so I cannot really like tell him off you know if not like awkward !huh!, never ah I just sort of like passive aggressive ah say like eh why you go out clean go out first then he just tell me lah oh I clean finish already what then he just go and rest then uh yeah but I mean like when you finish already should help others people's lah so we can all faster rest yeah but I guess he was only looking out for himself lah


as in it's a two men bunk lah so he's yeah he's up there lah okay, yeah


yeah true, so ian what's your greatest fear


!wow!, so


what are some failures that you've experienced other than failing your sem one,


yeah I agree, so you will say you are thirsty lah


oh, (hmm) okay actually talking about like love life right I guess my greatest fear is dying alone lah like up till now I guess I've never really been with a partner so I'm quite I'm quite worried that I will never find one and I will die alone


yeah, okay err moving on, err what do you often worry about


wait which gym you go


oh okay interesting


that will be good, not keeping yourself fit ah


oh , , no lah actually I got over the insecurities of my fat already but I guess what I one thing that I worry about everyday right is really about my future lah like


because actually it's quite worrying that I don't know what I want to do in the future then like we also don't know what the future entails lah so like I don't know how we can better prepare for it and like what I should do, yeah to like clear to like sort of like understand better what I what I want to do yeah actually I don't yeah


yeah as in


no as in I'm doing that also lah as in I've been doing that but then it's just that it's not about, I don't know leh it just like I don't know what will happen


yeah like maybe tomorrow something can happen like out of the sudden like all these err COVID nineteen stuff is those kind of thing that I worry about lah like the uncertainties that something random, something big will happen randomly


that affects my life the, very big way ah I guess, okay


it's not because you're single right, uh never mind


wait like recently also


ah actually good


okay, as in it's quite dangerous lah, then no choice lah just wait it out lah, yeah, just keep yourself healthy ah no choice


yeah like don't drink so much ah


okay, err I'm not a doctor ah so I can't really say much like my only advice is, see a doctor regularly lah but you say doctor cannot really help, so I don't know maybe is a psychological thing ah


oh wells, but maybe that will be a last episode ah


but like one whole day to confirm it compared to the rest for your life


no but if you say like you've been feeling this consistent pain throughout (ppc) like daily maybe like


[oh] (ppo) !aiya! then maybe it's like heartburn or something like that [lah], (ppo)


err positive experiences ah actually, I would say like nowadays like at our age I'll have more negative than positive experience ah


uh actually maybe I talking about more about my feelings like it's cause now we are in uni and stuff ah and recently just come out of army then I feel like both stage of life actually it is quite stressful in a sense


yeah because for example like say in army like there's a lot of things err to do and a lot of targets to meet yeah so like actually it's very stressful for me ah during army and then when I come to uni now I sort of feel even more stress


because like day to day cause I'm in a faculty of computing mah and, err it's actually very competitive and for me the stress is knowing that there are people out there doing more stuff than me, so like for in a sense I'm I feel cause I'm very competitive and I feel like I must do better than them and I must be as competitive as them ah so like at least I can do !wow! bullshit err okay ya but I guess that's the negative experience lah but for ex positive experience


err I I'm glad I join hall in uni ah cause hall experience in uni is actually the great greatest things that bring about the ya that bring a most the most positive experience in my life ah like


being able to meet new people and then like err meeting people with the same, I will guess the as a same about same character as me like can click well then like meet new friends and have fun together like make and like in hall when we go drinking that kind of stuff or when we play games together it's really very fun ah yeah what about you Ian


actually I don't think I laugh that hard nowadays err, I guess, can't remember I think the most of time that I laugh a lot is


really due to alcohol influence ah when we drink and then like we do stupid stuff that's what made me, have fun a lot of fun ah it's damn fun, yeah, what about you when when was the last time you laugh very hard


okay, err


err, actually I can't really remember any instance where is the most like the fondest but I would say like constantly like just being able to uh uh be with my parents like cause day to day like


after moving back from hall I stay with my parents then I realised that err yeah the care and sort of like love that they shower you with at home right is something that I have been missing out ah when I was staying in hall yeah so I now since I've been staying back at home for like one month


plus already yeah everyday I can feel like oh she worries about me lah and cares for me like my mum she will like oh err everyday ask me feed me with stuff uh show err ya busy like show me care lah so actually that's the constant positive experience that I've


I've been having lah, yeah


yeah, happiest moment of my life, err I guess is


I think is when I, OR eh not ORD when I err commissioned in the army, I think should be that ah ya when I commissioned from the army as an officer because err yeah it's really like I spend the nine months three day and it's very tough lah and when I can and that was the moment I look forward to since the start of the nine month


yeah so when I've finally went through with it then I think it's err quite a big an achievement lah then I was very happy yeah


okay


so err other than opening result err what is a perfect day for you, yeah


err I think a perfect day for me is a day where I know I've been productive also lah like I spend my time wisely and have not wasted on like stuff that's insignificant yeah and also spending time with my friends I think that's very important for me also


like just socialising lah I guess err, what's the best meal you've had, uh what do I do with my friends err err I guess we just go out uh eat and talk ah it's really just the time we spend talking to each other catching up that's really the most enjoyable for me lah


you leh what do you like to do with your friends


go for drinks, yeah sure, err okay


err actually I guess sort of overlap with the happiest moment in my life ah but I guess another proudest moment of my life is, err I guess when I


got into NUS I guess, cause I I don't know I just always had the impression that uni wasn't something that I would err ever get into like I would I would ever go for yeah because err actually both of my siblings they they are poly grads lah so they never go uni and then for me I thought that


I will face the same, err I will go down the same road also lah yeah but then I guess what when I got into I'm able to get into uni I'm actually quite proud of myself for putting in the hard work lor I guess


so what's your proudest moment,


err okay so what's a comfort food that you can always rely on to cheer you up


!wah! actually now that you say I also very hungry, !wah! actually I also want to eat leh and sushi yeah okay but actually for me I comfort my my style of comfort food err is more geared towards fruits lah like I like to eat fruits and it's always readily available lah


so whenever I'm hungry or feeling like snacking then I'll eat fruits ah, err I guess it, it's healthy uh but it makes me healthy ah so I guess I'm quite happy about it ah


so Ian what do you love most about yourself, is it yeah, yeah is it your height, yeah,


your hair ah


not, for me I guess, it's my positivity ah, yeah I think I'm quite a positive person so like uh no matter what circumstance I face or what I believe there's always a way out ah and like there's a way ish uh there's a way uh uh solution to any problem that I face


so, yeah so I guess I'm quite happy about my me being positive ah cause I realised like err people nowadays actually they always have quite negative thoughts or like once they meet a small hurdle in their life then they like quite


depressed lah I guess like they feel like they can't do anything about it, yeah, err so err who do you what , so err who in your life do you look up to most and why


(ppc)


for me, because actually for me I always believe in uh I'm the average of the five people that I hang out with the most so like for me right within my group of friends or people that I know err I look up to those who I think


have the best character and uh very driven to do to be successful ah and always like sort of like creating their own path so I currently someone I'm looking up to the most right is actually one of my friend yeah err it's not you ah but


err it's , err yeah so he's my friend whose, like I don't know lah for me he's just always been very inspirational like he's really a (ppc) to me he's like a leader ah like he's a very good leader and


err someone you don't know lah no lah is no lah I think that guy far from it yeah but actually how it influence me it's like really uh, I can't I don't really how to explain lah he just very


good at what he does and he's yeah I don't know to explain but he's motivational, , oh I see


okay so err, what I, err, I think like something I think one thing very common that we hate as a kid maybe some food lah like some food that we are picky about maybe like brinjal brinjal or like a cucumber that kind of stuff


yeah but as I grow older now I come to love it lah cause I don't know why it's just the my taste change lah then I think is quite nice, and another thing that I hate as a kid is waking up early ah or taking afternoon naps, but then I now when I grow older


err I realise I just naturally wake up earlier and, I also take afternoon naps lah I don't know ah I think it's just a body thing yeah err I also hate studying ah, cause I think it's quite useless and when I was young I I don't really have such a I don't have a wider view on things like I can't see the big picture as a kid so I just focus on what I enjoy doing which is like playing lah playing catching that kind of stuff with my friends