err, how to say uh jungle trekking or anything that relates to trees , ya or any any any any err how to say uh, trips that you know you need to to uh what hike a mountain or hike a jungle or do whatever hiking uh tracking that kind of things ya so it really scares me out of my life


ya so don't ever try to bring me to this kind of places like you know going to mount Kinabalu or mount everest is really not my type I I prefer to stick to the ground uh down to earth kind, ya so, err ya it's a very bad experience uh I remember it till today because it really scares me


, okay uh do you have any like experience where you were you were treated unfairly


as for me I personally experience unfair treatment when I was in uh, my home country uh during uh, my primary school time where I'm actually a minority in the school and the majority uh uh and I I I'm in the minority in the the class and the school so I don't have any uh say


ya so uh the the teachers tend to find fault in me, though we are you know uh we did the same mistake but I was the only one being penalised which I think that is unfair because uh everyone did the same mistake and why I'm the only one being penalised and I'm the only one being punished


so just just because that I'm a, , I come from minority races ya in a ya so I think uh, it it is how to say err, unfair treatment because uh for a teacher for for for a person to be a teacher


they should they should be a caring kind of you know and then there's no biasness and there should be because they are the educator so they are the one who actually shape a person, right so if you if you if you if you if you try if you if you chose to educate the


student by treating them unfairly then the the the the student will grow up to treat another person unfairly so is this a correct education that you want to bring across so it has been a painful


five years experience err, five years ya no six years painful experience in a school in a school where you actually every every kids should should have, fun uh learning and uh


studying and also make new friends but unfortunately this unfair treatment has, uh err cause a err how to say a, scar in me ya, so actually I uh I always try


to, err how to say make sure that I treat everyone fairly ya to to prevent uh, like what, I have experienced before


what are the injustices of the world that make you angry


err for me I will think is the injustice done uh done to uh women in certain countries where, err women will always be uh second citizen or third or fourth I don't know so uh like you know uh there's a place where uh rape cases are very rampant and uh women don't get uh justice


and if you uh, actually report to the authorities, then you'll be shame or you you'll be punished or you'll be even killed, so I don't know what kind of world is this


where, there's no like back to my story there's no fairness there's no equality ya so so what do you think of such stories


so I have also experienced this ya how to say unfair treatment in terms of uh education where uh minority don't usually get err, get to study , what they want to study or uh I mean as in their courses they can they can't choose their own course


they can't choose their own course, and they're being allocated to a uh place or the uh university that you don't and you have never heard of, and you don't even want to go


so uh ya so that's very unfair because you don't have the equal chance to err to choose what you want or to to choose what you want to study so it is like okay so this course is not popular and


not profitable so for minorities please study that ya so you don't have a choice because it's either you take it or you leave it ya so I still don't understand what kind of world is this but okay


at at least that is I what what I experience before


do you have any like situation where you're forced to change your plan against your will


part two positive experiences


okay, err describe a time when, oh someone help me in in uh, when I'm in need of help okay so uh there was a time that I wasn't feeling very well


ya so then I was uh admitted to hospital so I have a friend that although although is uh she's working but, uh she still err will come to the hospital to visit me


uh almost on a daily basis and also , because err, staying in the hospital and cannot cannot leave the hospital were actually uh bored me to death but my, friend


err she bought a book for me which is of course my favourite author, uh, #khalid hussain# yes so I spend my time uh reading reading a book, and, my friend will come every day to bring food and talk to me so I think ya so ya appreciate my friend a lot


so what I look forward uh when the pandemic ends is uh, to buy an air ticket there are a few places that I would like to travel err first of all err korea maybe because my my friend has been wanting to travel to korea I don't know for what


maybe there's some to meet any some handsome korean pop star or oh ya Oppa yes uh, for me korea uh well I've been before but not so not so good experience because I find err the people there


, a bit rude ya so, okay so when for example when you are on MRT or any public transportation they will just push you without where on uh they will just push you or touch you and said and without without saying excuse me so they just


make their way through pushed their way through till they get to onto the other side which I I find it is uncivilised for doing so because if a guy touch a girl in singapore it will be sexual harassment, but, in korea it seems normal be it elderly or be it youngster or any age ya so there's no like differentiation between err man or woman


in the public transportation or, public area like lift so if there's a lift, coming err if there's a lift coming so everybody will rush to the lift regard and they will they will just squeezed like a sandwich here regardless of whether there's any more space in the lift that's ridiculous oh okay so and also those like restaurants and


err well you uh uh, a more uh what you call that uh night uh uh higher higher what you call that uh more expensive restaurant they have the same attitude towards their customers so uh their first greet will will be to scold the customer first


or, you know shouting and whatever, know I I, okay so when you enter a high class restaurant or, more expensive restaurant you expect some service but in korea there's no such thing so they treat you like dirt although you are paying money so you go you go in and not to enjoy the food but to enjoy the


the shouting the screaming and whatever angry tone that they have so it just err, weird place to be weird culture okay but of course there are some nicer thing to talk about which is the you know you can buy a lot of uh cheap uh sheet mask


ya so uh that's that's the only consolation prize of, err going to korea cause you can get a sheet of mask, at, uh at a price of below thirty cent and you can just get like hundred sheets at one go then they throw in another ten sheets that kind ya so for facial facial products then is uh worth worth to go but if it's for food err


I think it is a, and uh maybe is just not my not my type not my tastes other than people being, rude , uh I I, and is very expensive to eat uh korean food err which I don't find it


nice ya so, uh, not to say bad experience OK but I would if I have a chance I wouldn't, want to go again to deal with uh all those people who cannot respect another another human being ya so


ya, other than that I think that's fine so ya what do you look forward when the pandemic ends


oh oh oh of course it will I will not stop you from going


uh I


talking about working from home ya so what else, oh definitely because I don't have to travel err err one uh one hour and thirty minutes to just reach the office and come back and spend another one hour and a half to reach home so ya


ya so actually with with uh with the saving of these two hours I can actually uh read some books


uh which is my favourite pastime but but then uh prior to COVID I don't have enough time because I have to travel two hours a day more than two hours a day to reach the office so now I have uh two hours a day to read my book


so my target is uh a uh one book per week so I have already hit my target of three book three week from it uh during uh within three weeks so another three books to go, ya


oh this one I agree although even even uh uh don't have COVID we should also uh have the option of working from home as we, don't really need to actually to be on site you know just to eat lunch together or eat dinner together with colleagues we can actually do a video conferencing like like now webax and you can cook whatever you like I can eat whatever


I, like isn't that better than you know uh just be on site, just because the employer wants us to be on site


ya so I


ya to add on that err not only err, we or we deliver food to friends and families we are also uh increasingly how to say trust, trusted the uh online platform


so eh initially we thought that uh bricks and mortar are kind of err, uh shopping experience will definitely be better than online shopping because uh, we can touch the you can touch you can feel the items


before buying and you can even try on the items before buying, but now apparently we are moving towards the online shopping where we we know when we have additional times like we mentioned earlier the two hours uh to and fro traveling to to office we spend time


uh uh how to say err, pressing the phone and buying more stuff than than usual and spending more more on uh online shopping than usual


spend more towards online shopping because when we have the time and we have when we have a lot of time


we will start to you know we are already on the phone for almost ten to twelve hours a day but now because of COVID probably we are on the phone for more than more than fourteen to sixteen hours, and to browse and scroll and then finally decided to purchase all within fifteen minutes


and another thing is that uh we always uh you know tries try something new because err online shopping, uh is a new new new new new new


type of shopping, where you know you can't feel it you can't see it you can just see a few pictures and some reviews by, unknown people and hang here you just have to trust, them and take your chance to buy it like for example


recently I read a a a a review on, err , nuggets that tastes like mcdonald's, ya so I I read uh uh few forums I went to few forums uh


few review platform to to read about , which brand that taste, the the which brand of nuggets that taste like mcdonald's then I finally, find one brand that everyone is recommending


so I bought a few, to taste unfortunately my friends helped me to finish my look alike mcdonalds nuggets, where


I only ate a few pieces and the rest my friend help me to finish it and thank you very much and I want to add is that's not cheap , ya but of course I'll be purchasing it again if they like it see like I


say you can you are on your phone all the time browsing pressing and finally buying and indeed you spend more than you go you when when you go to the the physical shops you don't go to the physical shop and take ten packs of nuggets and come back but you will buy you


go to a online platform and you click ten ten packs to be delivered to your house, uh is to fulfill my friends craving rather than mine where we where I only ate a few pieces


so what is the best surprise of gift you ever given someone


okay so but I'm I'm I'm not a a a very uh creative person so I rather uh uh buy something that uh


what the other person like rather than err uh how to say make something which there's a uh uncertainty whether they will like it or not so, if I if I buy something buy a gift or give a surprise to someone uh or my friends I would rather


uh buy or do something that definitely know whether the person likes it or not, that that I think is the best surprise or gift, that I've given to someone


oh describe a time when you laugh or cry too hard


oh I I I I spend my time watching stephen chow's movie, at uh every weekend to entertain myself so I prefer a laughing scene than a crying scene I don't usually watch a crying scene because, I find it how to say wasting time of crying if your your life is not is already that bad


part one financial related topic


oh okay so uh I currently have uh a few savings account but the main saving account that I I usually use is, , the one err actually I can name the bank right


, okay so it's uh actually the DBS account so this main bank account is, a salary crediting account and, uh on top of, this salary crediting uh uh uh uh


function there's also other products which I have sign up so , I have investment plans which I I invest in bonds like on a monthly basis and I also err have a POSB credit card


uh with uh with the uh with the person to the same bank which allows me to uh earn additional cash rebates uh for my grocery shopping so uh I understand, that , the each month if let's say I use


err uh more than one or two products then I will get additional err cash rebates or or interest, uh in on top of my the balance on my account


for the POSB ya


uh I just, just want to add-on to, the POSB credit card uh if if, you shop for groceries at Sheng Siong you can earn uh five percent rebate cash rebate and then uh if you shop at uh Watsons you can earn three percent cash rebate


so uh sure, like I mention I have other saving, err saving account with other banks, so another another bank that I have is, err with is OCBC, err which, uh


I I sign up for the what is that call, uh the NTUC FairPrice card uh the plus card ya so uh, every time I shop for groceries at FairPrice I, would use this card to accumulate points


err and then with the accumulated points uh I can, use it to offset my groceries and then, uh on top that it has also other dining privileges at, some restaurants, I think if I'm not mistaken err Ding Tai Fung has uh promotions as well uh for the OCBC card


so uh, so when you dine there I uh they'll they'll have sometimes they'll they'll have, promotions like ten percent off certain err dishes


having a DBS account is very convenient for me because , uh, ATM is and everywhere for DBS, and uh it's very very convenient, and then , I'm also able to use err my ATM card uh as a debit card


ya which is very very convenient


government bond ya are fairly stable I would say and then you can easily purchase them, uh using the DBS account, err and then


uh so actually I think , err we should segregate like a percentage of a amount that we should be saving in err in our savings account and then, another, percentage will go to higher risk uh


investment like shares and then uh , and then err the balance will be, like in fixed deposits, and then of course uh after, minusing the housing loan, ya, that should make up like your entire err


what do you call that uh portfolio, ya, so uh I've recently refinance uh from, err OCBC to DBS, err because


understand that err I think DBS has uh better, uh what do you call that, interest uh compared to OCBC and , I'm also I'm also wanting to, maximise my multiplier account with the number of products that I have


so uh with the salary crediting the investment, uh the credit card and then now on top of that as uh housing loan as well


with each housing loan (ppc) there's a lot of , fine print or, or quite uh what do you call that, terms and conditions on the loan agreement, down, so they have they they may they may put certain clauses into the loan agreement


which uh which you may not even remember what, what it is in the entire loan agreement that you have to remember so, ya so is, I mean we need to really really be careful of err, signing up err with a housing loan


with each bank because different bank will have different, terms and conditions written in their loan agreements ya so, I also had a uh quite a bad experience previously, whereby I I totally I think I, couldn't remember that particular detail of uh the loan agreement whereby uh within the first two years


I'm not I'm, not allowed to actually err refinance, or or or sell I think , all that, redeem my loan even if I sell my property so, the moment I do that there'll be a a call back of the the the reward that was given


at the, start of the loan and then an interest on the remaining balance of the the loan will also be, incurred as well


and uh from my previous experience I learned that that particular clause was actually inserted, into that loan agreement because , at that point in time when I sign up for that housing loan, err, that was the clause that was included in the loan agreement which I understand from the officer that


is a is a additional clause that was included which currently people who sign up with the same bank, doesn't has, such clause in the in their housing loan, ya so it was really really a bad


exactly


this is not to my benefit also ya


and we are also paying the lawyers , , just to do documents right, , with no value added services


cash back because I can, see the amount of cash that I'm getting right, uh miles wise it's quite difficult to achieve uh unless, uh, I have very huge uh purchases, and then points ya points and miles it's about quite similar


so for miles actually it with the accumulated miles is very difficult, to to redeem an air ticket and then, now given that COVID ya ya, kind of, uh cannot be travelling so, ya so


okay , talking about negative experiences, I would say , uh the loss of uh a family member so , my my grandparents has passed on


and I was very very close with my grandparents, because , I grew up err under their care, so both side my mum side and my my father side I'm very close to both and ya it's it's really very heartbreaking


the someone you love err


have do ya do you have, pets


so , ya so not much from a negative experience from plants uh ya but I feel that , we need to cherish


(ppc) the time that we have with our close ones, because we never know what's, going to happen and uh, we never know when when is the, last time that we're going to see them and uh ya so we don't want to to uh what you call that turn our experiences into negative experience as much as possible but


ya so if I were going to if if I was going to, die like tomorrow or next month, I guess (ppc) I guess I will make the best out of the time, that I'm I'm left with uh to be spend on, people that I'm close with err


actually afraid of heights, but I think I don't really have uh negative experiences but, err okay okay there was once, I fell down from the stairs


but that was only once, and I I got over it like in the almost immediately so I didn't really like uh ponder on that that uh particular embarrassing experience that I had


because it was actually at a very crowded, err food court and and , that this was uh a few years back, so, I was wearing high heels, err and as I was going down the stairs I think I miss a


step and then ya and I, fell and there were a lot of people around then, it was like it was the most embarrassing moment of my life uh ya, do you have any embarrassing moment


even though I am afraid of height, I like to, experience everything at least once, so I tried rock climbing once, and, and uh it was very fun, uh for to to climb all the way to the top


because you feel you feel like you have achieve something, climbing to the top but then the the the err the the the, the thing that scares me is that the moment that you climb to the top you have to come down


and err although nothing, happen but it was quite scary, ya so and I think I still haven't overcome


I wouldn't say there's any specific err, time but I feel I, feel being a a woman, in in a developed, developed or developing country is very fortunate, because there are just so many injustices


that happen around the world, especially in, certain countries where women are, are treated very unfairly, and err they, their their voice is not heard at all, and uh (ppc), and even though something, uh has happen to them or something ya something has happen to them ya


they they are not able to speak for themselves, , which I feel uh I'm very fortunate


experience , but uh I didn't have, very lucky experience err, when I moved house so when, I move from my previous house uh to the current place, so I sold my last property and uh and the the


buyer who took over, uh the property was quite nasty I would say because , the the day that I was I was moving out, , they rush me and


ask uh why didn't I complete my moving at about three PM which I, wouldn't say that I was dragging the, move I tried my best err to, to because there was a lot of things to be move


it was the entire place and the move, I didn't really have a lot of help, uh except for the movers that I I employed, so, I feel, the, buyers or or landlords should be


nicer to to I mean people around them uh like because people are trying very hard to move and and to accommodate , so why why do you have to move in, on the same day that the seller is moving out


so is is it really auspicious, an auspicious, date that you really have


I would say, maybe not really injustices, I find , I I I get angry when people, uh deliberately waste food, (ppc) because , there are certain parts of the world where people children are


starving and uh and, we are here throwing away food because we over ordered, or just because , err we didn't feel like eating


actually very thankful and, and fortunate that I am uh I mean I'm, I'm living here where I am, and uh not or not stuck in countries where where I am look down upon and uh I cannot strive for myself so ya I I I try to be uh very independent but then I think


given that people who grow up in, certain, countries or certain, backgrounds they even though how hard they try the society is deal that way that , you are not you are not able to be


are all we we all need to change our, plans like, our travel plans our pre-booked, uh holiday plans, so , ya we are just kind of stuck here and, not able to travel like we usually do


part two positive experience


okay so for me so I, I like, cooking a lot err, and, and I get a lot of satisfaction from, uh seeing, people who taste my food and telling me that is nice !wah! and as in honest opinion


not not just saying that is nice , ya so during this COVID period uh I had a chance, I had a lot of chances to cook and bake and and ya roast , so everything


is a first time for me, so I've tried out a lot of new recipes, and, and uh I get to share what I cook err and bake to, my friends uh as well as uh family, member who who's staying nearby so


ya I I I'm very I I get a lot of satisfaction


shh


, (ppc)


actually err ya, same like, you I also look forward to traveling, because the last time, when I went to australia, uh I miss the chance to, to go on a whale watching cruise because of what uh bad


weather so either either, I will travel to australia again or, I may go to south korea but , , since you have just mention , so much about south korea, , I may


, but because I, personally enjoy uh korean food because, , they they eat a lot of vegetables, at every meal and, then for korean barbecue they actually pare it with a lot of


lettuce, uh and other vegetables and and also raw garlic which uh which I, like a lot, and uh ya I think a lot of their dishes actually incorporate uh vegetable which I think is very healthy


ya, probably the culture there is, not not as uh as nice as what we see in korean dramas ya, so but I guess the sceneries uh would make up for


uh another thing I want to share is that during COVID uh I have err, I have exercised quite a lot than than usual so in the past before COVID , we always didn't have enough time because we are always working working late


and then sometimes weekends we are also working, so it's very hard to, find time to to, err exercise and workout, so uh during this err work from home uh, uh experience, I have err


I have, uh try a lot of uh yoga pilates uh aerobics and uh to the extent that there was an inside joke where where my friends, saw me doing yoga when I'm when I'm uh on the floor like uh on the floor


uh they will say like I'm swimming like a fish , , so I look like a fish like swimming on the floor while I was doing uh


ya so, ya so this, two hour travelling can actually be spent on something else that you like


and and enjoy


so even though , I mean, people are suffering from COVID actually, there's a there's like a positive uh side, of it where we are all uh becoming more healthy we are we are indulging in our own uh hobbies


and we are spending time, more uh efficiently, uh and it's it's really, like err uh what you call that work life, balance now, compared to what we've err was before COVID


ya I think and I think it's it's more fun uh because I


there was a there was a few times when my friend uh actually delivered food to my doorstep uh which is a, surprise which I didn't know and and it was ya it was very it was very pleasant, and it and it made my day


ya, so I think if is not for COVID I don't think we get to experience all of this, like , ya delivering food to your friends and your loved one, uh and then ya being able to enjoy work life


so you you are saying that uh for during COVID uh we spend


cause purchasing online uh can fulfill your hobbies right


on a positive note you get to fulfill your cravings right , , , ya mcnugget can be quite uh addictive but is definitely cheaper than purchasing from mcdonald's


I feel I guess , (ppc)


personalised err handmade, uh card ya so I like arts and crafts, ya so during this COVID I have, a chance, to again purchase online like you say to fulfill my hobbies, and uh ya


basically I'm actually uh, err craft, uh what you call that handmade uh a card, for for a friend , ya for her birthday so I like personalise things so


ya I get to write a message, or or personal uh what you call that, touching poems uh in the card, err ya which is, personalised for for my friend


ya so I I guess that will be a surprise for for them, because you can't you can't get it anywhere else


I think oh okay, I cry very easily especially when, when watching very touching, movies or dramas uh, so I will end up, crying very very hard, uh one second and then I will end up laughing the next second


so so it will be, uh I think it's a joke among my friends so the moment the moment I, start crying, uh when I watch a touching movie , and uh when when my friend or my or my or my siblings uh realised


that I am crying, err they will make fun of me which I will end up uh laughing at the next, second err, which is uh which is like, I will end up laughing as hard as I cried , so ya it it it can be quite, funny and is


sort of like a inside joke as well among my my family members


alright, five O one eh five O one five financial related topic


uh to be honest I I I've as in I only have knowledge ah cause I studied in school so like uh shares bonds unit trust all these I just learned last semester ah so, you which one do you want to know more about


ya so it's still like a pooled fund that will be channelled to, uh but it's like a trust ah so, like if you watch all those err hollywood movies or those like rich families they the parents those high nett worth people lah the parents put the they pool their money into like a unit trust like let's say with a bank ah so I if I'm not wrong I'm not wrong so it's like


if you put it into let's say DBS or, OCBC yeah, so you you heard before right like all these rich families they put like for the son or like for the children a son or daughter ya so is also like a a


it's it's also a portfolio with diversified assets like baby shares bonds, err and other stuff ah ya, ya ya then it's like just to go to maybe the children oh this kind


okay okay ya err ya lah so I mean just yeah I mean you should know lah you read out the risk and all with shares and the safer assets lah like bonds and the ETF for growth


ya ya ya so that one I just that one was small it's just making a a portfolio simulation management game lah on excel maybe I can share with that later on lah ya okay maybe we move on to the next question lah so


ya experience okay this one oh options futures commodity forex so ya lah I think I don't have any experience you what about you, in those for a financial instruments


ya okay lah but I just know that these for uh a bit more, it's less common lah than shares bonds or ETs it's riskier ya ya because yup


ya so these four products right people, futures options forex okay maybe futures and options mostly this is used to hedge hedge against any like losses or any risk so that means is like you betting you are betting against lah


ya it's like let's say I have oil I sell oil to people right but then I also buy oil futures just in case oil prices drop so at least I don't lose so much also, ya but I don't have any experience lah


ya okay then do you have a brokerage trading account


(ppc) okay ah no I don't err ya I don't have any uh accounts name and features of your career and your experience with the account ya I don't lah do you use a robo-adviser to invest


yes then shall we endow us, uh crystal yeah, ya err I think yes quite in, it's in demand lah I think because the good thing about it is


it helps those people who don't understand investing to to at least get a better insight lah like they can choose their risk profile the how much you want to put in and like they can put in like dollar cost averaging so whenever you just put in every month that kind lah


no lah don't like that I don't lah crypto, okay lah I mean we other than my friends who do invest in crypto I think they already pulled out their investments from there ah but I think it's


from their experience lah I think it's a bit, err just stagnant hasn't been err in it's not is not as popular as it was before I think the only good feature about it is that it's


ya lah uses block chain so it's like safer transactions like digital currency [orh] you instead of, holding cash it's just online lah something like that


what is it ah, what what's the rate


ah ya ya ya so, err oh so, okay uh so that means it's like, it is not through like a like a brokerage or like not to a bank or anything is it is it is it just like you go into the CPF website then you like like you can just choose the plans or the investment schemes


uh I don't think I got any CPF money so cause I never really work ya next time lah okay what are your thoughts on the singapore saving bonds, so that's like the government bonds lah it's like the u it's something like US treasury so I don't I don't have any it's just safe [orh] it's just a safe haven asset lah I guess but you don't you don't put your money to the singapore savings bonds right


fixed fixed income lah yup okay alright do you think investing or trading is similar to gambling


you can, yeah


yeah, ya so ya lah I I feel the same way also investing is, like when you find out more when you do your financial modelling when you like do a fundamental analysis you read the news


uh about the company or at least the sector that they operate in and I think it's a calculated risk and it's not really gambling lah so you kind of forecast long term also I guess but trading their day trading, especially like now lah you see the stock market a bit


overvalued and inflated so I think a lot of people are just riding the trend lah and it's like gambling ah like oh I haven't go I go so ya, ya okay options are uh sorry sorry


for you, cash strapped okay oh sorry uh cash strapped meaning they don't ya no not much money so options honestly I think it's very it to me ah to me is riskier than shares bonds and other common asset classes like because the thing about options right is


let's say there's the call and the put option to okay lah like basically like call options is when you think the thing when you think the investment or the stock will go up so let's say apple options right I think Apple will go up but I buy the call options but the put options right is like


basically, if you do it wrongly your losses are unlimited, ya so if you if you like if you get it wrong you might actually lose infinity if you get what you mean ah, ya but your your the amount that you can gain right is limited to like the stock price and the yeah I mean did


ah ya like ya lah basically if you predict the wrong direction right your losses are unlimited but if your your gain is limited only to the the spot price or like the option price lah ya


yeah what are your thoughts on investing in highly leveraged products like options are ya lah so


ya a highly leverage okay so, if I'm not wrong highly leveraged is like leverage is like debt you take on debt so you, you basically borrow from people lah and sometimes like there's like a multiplier I think like five times or seven times ya so so for cash ya for cash-strapped investors


I honestly don't know but I think yeah they might wanna leverage so they can gain more because they ya like what you say lah they don't have much to begin with so if they want to gain more they'll like like they will, take on a high leverage ah but it's quite uh risky lah definitely it's it's really very very risky cause a lot of people they go bust or they go bankrupt just cause they they do this lah ya and they end up having to owe even more money than what they initially borrowed


, ya it it


yeah uh, still around lah yeah but it's just the you must take note lor like I mean the ten K guy he might end up owing maybe thirty forty fifty K like that lah


ya I think the collaterals I'm not sure lah ya but anyway okay CDP [orh], custodian account ah honestly I don't know what this is what what is this ah


okay


oh will will take on lah okay, oh okay okay they are the custodians ah as in ya lah they are the like guardian lah, okay okay discuss the recent per ah okay sorry sorry sorry cutting cutting sorry sorry say what


ah okay okay sorry ah I didn't know ah okay discuss the recent performance of the stock market ya what do you feel


eh to be honest I forgot what there's last recent stock price is but ya is about one point uh basically it's a record high lah ya but


it's is quite overvalue lah I think is disconnected in a sense that I mean if you look at the macroeconomic outlook and the global COVID response cases are still rising ah like just yesterday US hit the two million barrier I think


ya two million cases some states still facing record high cases and like the fundamentals of companies they don't reflect, their stock price like a lot of them are struggling or like they I mean ya the the fed the central bank is providing a lot of liquidity for these businesses to stay afloat but it doesn't justify the stock prices ah ya


definitely not lah it doesn't reflect their performance at all during this but some of the companies like the tech companies lah they they perform well lah they beat analyst estimates like super thursday last week I don't know if we can check it out lah basically they they did, perform well this quarter and that's why maybe it's for the tech lah for the tech sector but other sectors they definitely struggling lah


ETF or unit trusts which investment instrument do you prefer, I yeah


actually no ETF is not, if I'm not wrong ETF is passive, wait wait wait sorry I think it's active I think it's active ah ya ya ya unit trust unit trust is but ya sorry


ya but I think ETF is passive because it's not that it's not managed very active as actively as like hedge funds or


err , because ETF ah okay I don't think it's it's passive because I think it just tracks the stock markets it tracks the indices ya lah it's, ya but ETF also okay I need to read this again lah but I really ya I yeah I okay you hold on the stock market is not the economy what are your thoughts on this saying [orh] okay this one a bit long ah so we just wait just


how do you okay , err I used to think it is until now


lost ya, alright okay I think we just uh wrap it up so ya lah I ya just just the bulk of it lah, uh on our phones right okay


part three negative experiences, okay


!wah! threat, ya ya ya, you you always


you will always remember the highest but not really the lowest ah right, okay lah ya some people hold on to that lah, ya ya ya, ya as it for me also I I think I remember good times way better than than I remember the the bad times ah


ya true true we we are happy bunch happy okay ah maybe if you ask me might some okay no no no ya don't don't don't talk okay don't talk okay so I think


!aiya! very typical lah I think what exams then you feel like you gonna fail then when you see the question cannot do then you see like what ten questions you cannot do twenty questions then, pretty much trapped and helpless, or maybe few can five six six seven days then cannot go anywhere else what just stuck in the forest


err I mean, maybe the first few camp lah yeah but other than that not really err any other times ah maybe over to ah okay


ah okay, ah late at night late late late at night is it, ya but was it like pitch dark or what


oh is it's not allowed lah okay okay, re-org, okay what are some of the hurtful words someone said to you that you wish you


to forget err , honestly, okay lah maybe the only one that I like can still remember vividly in my mind is, just once last time maybe primary school


when, err where the, Mohamed lah he, Mohamed Mohamed yeah yeah he's just, called me a nerd lah behind my back so I mean I was a nerd I guess but ya lah at that time I didn't like this kind of stuff lah so ya


uh yeah yeah probably so lah okay, , ya lah of course lah of course ah


ya !aiya! you know yourself lah you're you're also quite talented what can playing guitar, ya that that was in back then lah, okay describe the saddest scene you ever witness, uh


yeah, this is not a place to say lah


it's very unexpected lor, ya so I think, very similar uh like for me the saddest scene is probably was probably


is probably when my aunt a very close aunt of mine lah passed away cause of uh breast cancer and I was quite close to my cousins lah her children two of them so like ya when I was there the funeral it was just


that's like the first close relative of mine that passed away and I was quite young lah so I think sec sec one or sec two so like, was very err it was very, ya lah it wasn't it wasn't a


it was very sad lah it was very sad for me, ya to see someone I know to see someone who, err who who like, my family's close to we visit each other a lot, like I play with her sons


yeah so, that's quite it's they're very depressing lah, describe a time where you feel that nothing you do is good enough,


I uh I don't know for me I don't really ya, ya ya like where, err ah okay maybe maybe for me lah I mean it's


it's not really much also like I don't, really feel that but probably when in uni and the scene here is very competitive, everyone's rushing for, internships lah like mugging twenty four seven just to get very good grades I mean that's not wrong but


ya like , at the start lah at the start ya lah at the start lah at the start of uni was it was very pressuring to like constantly compare yourself with others ah but I think err managed to handle that lah okay


ya, okay this err about a time where you feel that nobody cares about you, uh to be honest I don't think there are


ya what do you often worry about


ya ya ya, I think it's, (ppc) ya


ya I think, quite similar it's just a future cause you can't really you can't really foresee ah like, like I mean at this age you start thinking [orh] like next time


okay lah I mean for the very I mean we have close friends already in this phase which is like what BTO lah then wanna work where this kind of thing your parents how yeah, ya so is like this kind of stuff ah ya


it's quite fast lah , err yeah women of your life I think


I don't know but I think maybe like what I say ah the saddest scene I had witnessed [orh] yeah, (mmhmm)


yeah I understand I understand, ya it's very, it's like at the back of your head lah is there one , is there a what you wish you could change but will never be able to to one thing I wish I could change


ya it's a tough question, err up err err okay maybe ya me is is there are do I don't regret it lah but I mean definitely would have it's helped me much better maybe like


financial planning lah like maybe in NS I I did save lah but, I'd it would have been better lah if I had saved up more instead of just like anyhow ah I mean


I mean the europe is one thing but I don't regret it lah but like just like, ya lah ya lah I I spend on my my I spend on my laptop lah my camera that's my money lah but, like I guess


I guess that's, that's that's travel planning ah shouldn't have brought my stuff ah, yeah never mind lah, shouldn't have shouldn't have left the car keys with him


okay but anyway oh ya sorry sorry don't give any don't , okay, this our coping mechanism lah that we led we can tell them that okay but anyway, uh ya lah but I think financial planning lah during NS just spend a lot then like to spend on Grab lah spend on this and that I think


if if if I were to rewind time which honestly I don't see a need, to lah but I would take note of that lor err have you gone through any loss in your life if you have describe your emotions at the point of time and how do you deal with the loss err think ya lah I think lah so ya lah just at that time my close aunt


I think the part that, hit home, was when, [orh] like hit me the most was when I saw, my close cousins like they were devastated lah and they were obviously crying and I couldn't help but


to, feel for them and ya lah I couldn't hold back the tears also lah, not only 'cos I saw them crying but, I I guess at a very young age one two what, fourteen fifteen


you see that was like the, the first death I ever I've ever witnessed especially like throughout the whole process when, err the the ritual at her house and then the funeral the err what you call it the


cremate is it is it is it ah burial sorry not cremation burial (ppc) ya the burial so is like, like it doesn't feel like real you know like especially like when when you see that it gets you thinking like !wah! this


like one day this will be my parents like is inevitable lah and like ya lah I guess, you never know you know it's it's really just unexpected it could be you also, ya


okay what makes you stress, uh really


actually yeah , , I think I think I think I know what you mean is it is it it's like, like, interviews exams all these ya lah like what you say ah that one confirm will be stress but there's this normal is normal for everyone but maybe


admin work in terms of like let's say lah let's say for me right now maybe admin work in terms of, like having to uh our when when uh applying lah all these is like it's not it's not it's not the applying for internship [orh] it's like not the fact that oh will I get this or not but more of like ah I have to


lah write this lah all that ya then it's like, it's like just !wah!, (uh huh) oh really ah, oh shit


ah ya lah ya, ya I guess right I guess right after this lah, , I guess this after after this lah especially after this lah


, uh it's a careless whisper, err I think


that and maybe like what makes me stress lah, I think I, when things don't go to plan, then I


I wouldn't ya lah I would like stress for that short beat in the heat of the moment lah so like like let's say if I'm supposed to meet someone at six PM and, err


something crops up then I'll like !aiya! then like I will like, he I will like , not fumble like I will, ya lah I will just stress lah like !wah! okay okay I have to do this do that do this do that then I have to, you know yeah I I guess lah


okay what is the most traumatic incident you've ever experienced in your life, traumatic eh,


oh, (ppc), okay lah maybe maybe not really trauma lah but, okay lah I guess when surfing in Bali then the you remember jeff right you remember jeff right


no it's not the water eh tell you what happened, you remember <P2>jeff</P2> the NYJC, so he no the no I didn't Ciao, no no no not he but as in no one drowned (ppc) it's just that when you surf you're supposed to stagger yourself right like you cannot you cannot be in front of the other person


err ya so, ah so , he almost jump into me he almost like crashed into me so like the the instructors already said to


no lah it's not it's not that's why I said it's not really anything but but it's just the fact that I was already in front of him and he already knew that I was there first but he decided to go behind me, and then he just thank you lah then when the wave came I was so ready you know then when I turn back I see one guy like literally fly over then you know the under the surfboard is that the fin what that one you hit my face lah that one if hit my face ah gone already so it was quite traumatic in a sense that


he went over then I just !wah! I dunk underwater I just like I I really just went down for my life and I I prayed leh and then !wah! please please please then thump okay lah I didn't have that much time to to think lah but I just like then I come back up and straightaway give him a a piece of my mind lah


no lah but I mean ya lah he he careless lah just careless lah but I think that for me is, cause of it because it was my face lah if anywhere else then I will ya but, okay lah


anyway what's the biggest thing holding you back from your goal, (hmm), I think very


yeah, (hmm), , yeah


it's true lah it's true, it, (hmm), (ppc), ya I I assume you mean you know it's like


, ya it's it's uh definitely happen to me before also, it's just, you are your biggest you are your biggest challenge lah, like, let's say you wanna start a if you wanna start a business but then you you start thinking to yourself ah ya but is it feasible !aiya! how to get the supplies this kind then ya lah you you eventually if you keep telling yourself that you won't do it lor


ya, ya exactly, okay uh anyway ya later when we stop the recording don't submit okay then describe a time when things turned out not meeting your expected I think ya so when things don't turn out as planned [orh]


!huh!, I don't know I I can't, I mean the europe it again almost everything the same lah europe trip lah that one is supposed to go for one month then twenty days cut cut short by ten days lose a lot of money is


it's a bit funny ah I would say that's really not up to my expectations at all lah, but ya lah live in the moment lah okay I guess that's it


yup done, part two positive experiences


okay when things turn out better than expected, let me think gimme gimme give me like five seconds to like okay give me a while give me one okay okay you start you start ya


alright err so for me, I think when things turned out better than expected was I mean you already know my europe trip lah so, err I think a bit might sound a bit cliche but okay because my europe trip I my stuff got stolen right so need to go back to singapore earlier and that's just before uni started so like because my trip got cut short I could yeah google for a sports camp


the orientation camp ya then I think I met the best some of the best people that I've met lah so far in my life err okay what is the nicest thing someone has ever told you


yes, okay maybe I start lah I think I think the nicest thing anyone can tell you is that they they love you and they appreciate you lah so, ya I mean ya lah definitely anyone would wanna hear that lah and of course it must be from the heart so I think it's uh it's nice to know that people out there care for you


ya alright, what's the happiest moment in your life, actually I think so lah same


I wouldn't I wouldn't say it's it's mine was actually lah but ah I mean just, like, two years ah two years ah it just feels good lah two years is two years to do something that you you didn't plan to do ah I guess


(ppc), ya not saying that it was a bad journey lah but it's just if can I don't think I don't think many people wanted to do lah, okay describe one of your most memorable travel experiences, okay you want to go first or okay I think I think mine mine quite clearly is what I said lah the europe trip lor


so, ya lah fifteen days of nonstop adventure err driving around europe greece croatia, italy france and then in france my stuff Kena stolen a lot of my friends so


cut the trip short have to drive back twenty hours straight to croatia fly back ya lah quite quite a quite a crazy fifteen days lah, or maybe twenty ya quite a crazy twenty days okay what's yours


where ah that one is where, where is it like where which part of Bali, oh before they slowly like opened up to okay oh Canggu ah Canggu


oh okay okay ah that's nice that's nice okay what is the oddest, , !huh! !wah! this one I not sure eh


ya true okay lah maybe maybe the most, , this gonna sound a bit weird lah ha hardest is just when when people say


ya ya ya exactly exactly I think, after, ya ya so okay ya move on lah what are you thankful for okay quite obviously our family friends loved ones and experiences lah and a close group close close circle of


friends lah you don't need many you just need the the few that are there, what do you used to hate as a kid but now love as an adult, I think not, uh okay okay ha


, ya lah , , ah okay okay okay okay I think, think !wah!, the okay not say hate not say hate but I think parents


like last time we get more annoyed with them and stuff but then now now like when we grew up we we treasure them much more lah ya not say, that I used to hate them not saying that I hated them ever ya ya ya okay what was your best birthday present and why


oh yeah shit, oh yes , (ppc)


a a a part of that ah I'm part of that lah they say, a part of that , my best birthday present ah


honestly I I wouldn't say I have a best but maybe more of experiences ah so, like when, when people take me out or at least, uh uh my girlfriend lah she took me out for this super nice steak dinner


ya I think yeah, yeah experiences ah for me it's memories ah I I wouldn't I mean of course physical position to be nice lah but I think experiences top that, ya okay


let's say let's say hate this guy ah, ah err, I can't think ya I to me that's too disguised ah as in I can't think lah I can think


there are there there are blessings lah but these guys I don't know, okay maybe we move on today what is the ah okay this one maybe can ya what is a comfort food that you can always rely on to cheer you up


err I ya !wah! what is a confirmed uh honestly I don't like for papa king, !wah! actually we we say as if people would know , you know I already no it's not I don't like I I I I it's nice but I don't like chips


ya ya yeah, are you sure okay but anyway , !aiya! later they listen to this then they laugh a bit because they also don't know what we talking about okay but potato chips no lah but I don't like I don't like potato chips but brownies ya lah


a comfort food ah obviously anything ah fast food when I'm hungry or what fast food, , ya like I would say can rely on you to you can rely on to cheer you up I I don't really have also


ya uh, ya I love to eat lah but maybe ya lah fast food [loh], either fast food or brownies ah ya fast food or ya okay what do you love most about yourself, that's uh what do I love most about myself ya I think okay go


it's it's a it's a trait [orh] ya it's a trait lah ya charismatic lor, ah, yeah yeah really I I see you know but to me actually I mean for me also I was actually thinking


somewhat somewhat similarly lah in the in the same way I think uh more of, finding the right group of friends being able to talk to people and like, like ya like I don't like I don't like I don't like making enemies or whatever lah if you ask me I'm a very


politically neutral or like politically right lah person ya I don't I don't like to cause commotions or cause dramas or what stuff lah, yeah like like like I like


yeah, yeah, who in your life do you look up to most and why


ya definitely ah and they brought up the best kids ah uh they brought up the best one


yeah I I I yeah I see I see that's nice lah, err ah, I think both lah like when I look at my dad I I see a hardworking man who who


like he sacrifice that's I think very similar I don't know why is the Kampung days ah I guess but like ya lah they really they work their asses off lah, like to to feed themselves and their families


they really go out of the way hard I mean I wouldn't say they are hardly at home but like, they are not home, as much as like our mums or what but ya lah is because is because of us lah like they I think


that's what drives them lah so he's a very family family first kind of man lah, ya ya ya lah, his work his work etiquette his work ethics is, is something is very admirable lah my mom I would say more of like her the intangibles lah like (ppc) she's very patient she is very loving


ya so yours also your mom also one kind of nice, yeah, I mean you you look you look you look to her for advise also what right so ya lah quite quite quite similar for me lah yeah just


I think ya lah ya for for the mom chat lah okay describe a time when you got appreciated for your hard work, err, err, ya I don't really notice this kind of things also


yeah it's like yeah as in, as in you work hard is for yourself lah like you do something you like you put in effort you don't need someone to say eh you don't need someone to say like !wah! you did well or you did good just need to tell yourself that you already put in


that vast amount of effort and ya lah I mean it'll eventually come to fruition lor, yup okay uh describe your perfect day, err , honestly I don't know but maybe a rainy day ah like a rainy chill day


then just, yeah, a low rainy rainy a rainy day with low music blasting at home, err err, slowed and revert slowed and revert lah slowed and revert


ya I I don't know ah I think for you to same ah just, okay I don't know what's yours I don't know, err no see ah okay


oh okay okay okay


ah ya lah of course lah okay , ya as in wait sorry sorry sorry yup your perfect day perfect day ya lah ya as in, I think, if if I want my alone me time lah then the rainy day chill but of course


uh hang out with friends I think like those Bali resorts there will be a a pretty perfect yeah but, ya lah but I mean you know lah villa then like that all, that that's really a perfect day what no meh I mean doesn't ya lah doesn't matter lah whether singapore or what


oh [ho] , yeah, then those villa beach resorts then just chill by the beach, a bottle of corona nah kidding lah


okay uh, proudest moment of my life, err, yeah I don't really have one significant one also


despite the ongoing global uncertainty what makes you optimistic about the future, you have anything in mind,


, uh err, uncertain times uh ya


ya ya I agree oh so like, , ya lah like maybe sustainability related this COVID period definitely taught us in terms of health care systems being flawed even like US political systems are a bit ya a lot of things like slowly being revealed lah and people notice you know okay


err what are the things you look forward to when the pandemic ends, easy lah just, book far Lai go taiwan okay, , maybe something similar lah


till so Ni-Hong lah not not the rest of the ya lah he he loves it lah I know lah he confirm will go lah, he confirm go lah ya ya but I think, ya lah something similar [orh] maybe book flight go Bali or what


this !wah! just !wah! okay, ya ya it's a shout lah it's a shout definitely a shout and a half lah okay, ya everyone lah


okay in the post-COVID world what are your newly appreciate what are you newly appreciative towards, I think maybe, okay lah some might refute but maybe singapore's governance lah like the way we handle maybe it wasn't it might not have been the best lah but


, we have a strong government body lah ya the response I think was quite compared to other countries lah that's one thing our health care ya maybe ya


oh ya okay okay okay !yay!


ya true lah true lah


ya I see you I see you ya true lah I mean imagine telling your kids for the last time cannot go out, 'cos of this (ppc), yeah okay yeah I think that's about it lah


okay


part one financial related topic, so danish do you have any, experience with investment related products like have you traded before


for whatsoever I know you studying like finance right


err, I'm, spend some of my free time reading up on quite a bit of all of these so most I understand just maybe, like, unit trust and ETF, a bit a bit like


the different skill a bit foggy lah I understand that, ETF you can sell it you can actually like trade the ETF on the, like on the stock market and all that kind of stuff right but unit trust you cannot but it's still a, pooled fund is it


(ppc) ya, ya lah basically basically unit trust managed by a fund manager lah


[orh] okay okay, ya the rest quite all right lah quite easy to understand I personally got, buy some shares here and there but the rest, never really as in the rest I know what they are lah but I never I never go and invest in them also


you do you


have any experience with you don't have any experience at all right like forex or what that time you were trading with some, I know you were doing some uh demo account or something like that for forex, eh or eh no it was US stock market right, something like that ya


ah okay


nope, not even if yeah you are going to experience ah, ya knowledge lor ya, riskier a bit I would say commodities and options a bit


more fluctuating, more fluctuating lah forex also a bit crazy


ya I have I use, DBS Vickers, ya DBS Vickers to buy, SGX listed stocks ah yeah that's for you leh


nope I don't but I know about the StashAway [orh] standard ones, ya ya those few ah, quite trendy now but ya I never try before


yeah it's a good way to, to speed lah just that they were saying like some tough like you don't have a lot of control over what your money goes into and all that, ya so what about crypto I'm sure you don't do crypto lah ah since you said you have no experience I I also don't crypto


okay I get it, yeah, CPF money I don't invest CPF money but I know about it I personally think that the CPF investment scheme is quite good because


when you pull out from like the CPF money for retirement and all that kind of stuff it's, over the the many years like consider we are quite young lah if you start investing it, early ya I think it's , like it's a it's a good way to grow your retirement sum so when you #pang kang# is like you have quite a bit of money to last uh through your retirement period lah then uh


but personally also I think the CPF, interest rates are quite good even if those who'd sorry, uh I can't remember exactly but for each account it is quite alright one I remember I think it's, it's maybe got I know one one of their accounts is I think better than the inflation rate


something like that even got the ordinary account ah ah I can't I can't remember exactly which one lah now but ya I I had I did consider like probably next time when I go out to work I would want to invest a bit ya


I think can I'm not sure what's the like what's the what do you call that ah, like are you how flexible is it and all that kind of stuff lah are you allowed to choose your exact instruments or whatsoever but I know that, as in I don't know if you are limited to like maybe singapore stocks or something like that also ah that's why I not very sure but I know that


I probably will lah next time, ya but I know you need to transfer some money over, and invest the money because only one of the accounts can invest if I'm not wrong, , ya that's why next time [orh]


no I don't I think it's more for those, like I would say lah it's more for people who have a lump sum, then they want to just park it there in a very safe place that confirm get some returns one, ya ya


okay I I personally think investing is not similar to gambling at all because it's like a you are taking like a calculated risk whereas gambling is just, like it's luck ah


ya but then for investing it's like, you have, a lot of ways to go and find out how well performing or like the possible performances of different err instrument or whatsoever lah like stocks or whatever you like you can at least read the news and then make an informed decision about it and uh


if you actually go and study trends and all that like a technical analyses you actually be able to understand how like the demand and supply affects the price they can make better decisions [orh] so I don't feel it's like gambling but I feel that, like maybe day trading is a bit is a bit riskier lah so if a lot of people that go into it they don't actually know as much about it as what they think so I think that's a bit like gambling ya to be honest ya if you don't know if you don't know about it that's not a calculated risk anymore


ya crazy , ya that's dare that's not smart already ah, ya do you think options are worth looking at


for new cash strapped investors


so to stop loss is the problem is the is the is the bigger concern lah


ya I think leverage is, useful especially like for cash strapped investors [loh] but ya you have to know you have to be able to and you still have to know your products well lah no matter what like, ya no leverage leverage everything's at the end of the day it's still ya a lot of a lot of a lot of uh I hear heard of a lot of friends who like they just invest and don't know about stop loss all this kind of thing like how to put with the broker and how to how to indicate their stop-loss and all that !wah! it's crazy one ya


it is it is it's a ratio it's a ratio lah basically the brokerage oh


no but leverage leverage products like most okay most brokers they use leverage right you can only leverage, a certain amount based on how much you put into the account, so like ya it's not it's not like a endless amount lah so let's say I put like like if for example ten K inside so my leverage will will move accordingly lah if compared to a guy who has only five K you cannot leverage much as me lor ya it's just it's just like ya so


I think it's still alright lah ya quite quite alright


I got some I got experience in these it's because I research before I open brokerage basically CDP or custodian account right is basically err, uh like your broker is it is when you buy shares is it under this the is it under CDP so means it's like tied to your name lah your singpass and whatsoever


CDP is central depository, something ah ah ya it's basically it's basically tied to your name lah the shares whereas custodian account right it's tied to the broker, so means to say like a lot of ya a lot of brokerage account is like, it's definitely day traders in a day traders swing traders they always use custodian account because they don't need to hold for like dividends and all that and they don't need ownership of the share markets they're just trading based on price fluctuation whereas CDP is


okay so for example if like let's say, uh guy A and guy B both buy each buy from one kind of account right and they both by the same stock then they hold for they just they just didn't sell they just buy yesterday they buy yesterday then today they pass away ya so this so the guy with the CDP account right the shares


are actually under his name lah so he's he's why his wife or his spouse or his uh kid children can take over ya ya whereas the other guy it belongs to the brokerage firm oh ya that's the, ya ya exactly ya (ppc)


then the that's what ya this, no no no ya you can move on to the next question


uh I think you will know more about this than I do lah but I know it's, it's a bit it's a bit crazy because of, everything that is happening in the US everything is so overvalued Tesla in one week can go up to like what one point eight right last week


I think I, yeah, ya last week was crazy then I heard in that few days just drop all the way back down to one point four again ya so it's a it's a bit Siao ah


ya I I think so too lah


I don't really have a preference both are managed by fund managers like actively managed instrument, I only know one ya lah


it's passive meh then whom, (ppc), oh ya I only read I meant, I think I only remember I saw something like it's around it's almost, the same kind just that ETF you can you can sell it to other people [orh] like I can buy and I can sell it on the market


something like that


that's index that's index fund ah, ya ya ya ya we are also not very sure we move on [orh]


we answer part by part [loh] and ya the stock market is not the economy what do you think, (hmm) ya I I think so also it's not it's it's forward looking lah basically stock market is forward looking is influenced by a lot of factors and it doesn't ya I also thought it was but actually


you think about it is just a game of demand and supply lah changing a price which gives a company, more capital to leverage on the business but it doesn't mean that the companies also performing well, ya like you can see SIA stocks for example they they're doing well but then they just reported like what one billion dollar


loss ya it's quite crazy also, yeah wrap it up


part three negative experiences, okay let's begin describe a time when you felt trapped or helpless


!woo! wait ah, honestly right okay before we even start right honestly I I don't really recall a lot of my, negative experiences one eh like I don't know I just have this mechanism to just forget it


though some people like hold on to that one eh, ya you think about it like quite a lot of my friends leh I don't know eh like some stuff like I just forget even though it was quite bad at the time or whatsoever I never really recall lah


(ppc) , I think honestly we are quite a happy bunch also lah in ya to begin with, ya so trapped or helpless do you have any


uh, okay okay, I mean if you want to say army, army probably brunei [orh] cause I was literally I was literally lost in the jungle ah


so I mean that's literally as helpless as , no like, we we got lost during navigation, there you cannot walk in brunei right and like like you can't you can't you can't do anything, as in just for three days just lost it's damn crazy


ya after that then need need to like ya get our way out


who Muhamed oh


I really cannot think ya I only, ya I really I really can't remember, if anything I have to break up what incident that I really remember right but it's not that like it's damn hurtful or like I wish I can forget that kind of thing, but it's like where this


this evan go and say like !wah! this lad damn bad at playing or some shit like that remember in secondary school ya some more or some lame shit like that lah, ya that was quite I remember I was quite angry with him ya after that throw tantrum only


ya then emo emo a bit like that one life goes on ah, after that still continue playing for for so many years so like this, and just he he's one


my saddest scene I ever witnessed was when a, very close friend of mine lost his mum


ya recently like uh probably last year, ya so I I mean at this age, I mean not don't say it's expected or not lah that that that's not our place as in ya but we was damn crazy lah I mean, to live, I mean ya lah it's it's not it's never a good thing lah but when you see your friend like that and then at this age really nobody expect this kind of thing probably lah at least or you'd wish it won't come lah so


ya is he was he was quite sad when he told me like some stuff like oh his mum will never even get to see him get married all this yeah that was, something to think about lor


I don't ya I don't really ah, I don't really have like a a face, ya it's just maybe probably one point in life or this thing not doing so well like maybe grades not doing so well then ya that kind


pressure a bit lah


probably same ah ya, I don't really ya don't really have this lah I mean


what do I often worry about okay I worry about, I always like at the back of my head especially after I pass, and around this age like what is always a worry like what am I gonna do next time


will I be able to, will I be able to like sustain a like my family or what am I gonna work as am I go love it or am I going to , just like uh what am I gonna hate my job or like hate what I'm doing and so it's a concern lah I mean everybody wants to do what they love and and and be able to support a family and all that also lah


so, ya but it's what I worry about a lot lah


yeah yeah yeah, it is scary a bit lah, like just just growing up lor it's just a probably that's it lah, ya, okay move on what was the saddest moment of your life


yeah, for me I haven't really lost a close loved one yet like a close family member yet so I


yeah that's probably why I can't, identify like one, very sad moment lah, ya but I'm yeah, no I I can't think of one particular one you know what I mean it's probably all around the same ya


ya, is there one thing you wish


!wah! ah it's a tough question, I I don't, really have any, think like I regret or, I'm not happy with ya yes you can go


or if you never go europe ah, but your stuff got stolen then more expensive what


that one shakes sia that one confirm like two three case ya, shouldn't have left the car to larry ah


eh no humour bro no humour, I also forget lah, yeah always uh


let me just do honest yeah admin work makes me damn stress, I'm not even joking like, okay as in okay most people obviously as in avoid the as in I'm not going to say the lame shit lah like I mean who don't feel stress from exams


and that the kind of stuff cause I mean there's there's like if he's even not stressed means something's wrong with you or like you really don't care, you normally stressed about, things that you're worried about or like you care about but the thing leh I don't understand is I always get damn stressed from admin work, it's damn weird


that one don't don't say lah ya lah too too cliche


ya ya ya I hate it like, (ppc), write another cover letter for the, ya ya definitely one dude new act is a do even sorting out like you know you know before like school start my school starting on Monday and then today I think about and my school starting tomorrow lah then think about


need to look through my email need to do this do that, make sure I download all my stuff !wah! I'm damn done already I'm done already I haven't even do leh I just thinking about it I'm like, ya you make when I'm doing it right it makes me it makes me damn restless one then I will like get very annoyed


ya lah I still want to maybe I go take a nap first ah tired seriously go home so late


you eh want me see switches


miss irritator ah, (ppc), traumatic, traumatic is a bit <mandarin>夸张:kua zhang</mandarin> lah, like a bit


ya like how to say ah very like, quite exaggerated lah, is I mean trauma eh


!eeyer!, you a bit a bit scared of water oh, yeah, oh he drowned ah he almost drowned, no he


oh he jump in he jump into you ah, !walao! you live sia this kind you consider trauma


ah , uh, he is just acting cute ah


oh ya ya ya actually that one can, ya ya that one can cut ah


I mean most I will say in general most people, the biggest thing holding back, from their their goals is, probably themselves lah a lot of times, people put a lot of like barriers that,


I mean they they put barriers that sound too big to be true or like they think that it's so great that, they shouldn't even go forward and like tackle these obstacles, most of the time is like that what I mean how unrealistic can a goal be and like


and as can can an obstacle be ya you know what I mean a lot of things is a lot of times like people hold themselves back lah because they, there's a lot of excuses about it lah


ya ya so I mean ya yeah


like say ah never mind lah too troublesome to get the supplies or whatsoever then from there you like ah no I ya I would say ah it's it's probably yourself lah


describe a time , (hmm), I don't really have a specific, ah ya lah ya lah that one that one is one kind of craziness ya


part two positive experiences, okay so danish described a moment when things turned out better than expected, (ppc)


okay I I start lah since you are thinking okay so basically I, err when I was in NS I didn't apply for uni because my poly grades were not as good as what I thought, ya so I was quite thankful when in the end I got


yeah I managed to enter into a local uni lah which was, better than I thought lah because I was already more or less prepared to go private it was like the last application window, err before I ORD like the last chance I can apply if not I need to either gap year or go out work if not I need to take private lor if I really want to


ya so I was quite I was quite thankful for that lah ya and got into a good course also, ya lor


, I mean some of the nicest thing


ya I think same for me as well lah ya, he, happiest moment in my life, or when I I think when I ORD ya, ya like quite crazy somehow it was like quite a big one


ya so felt good lah there's probably one of the happiest moments in my life like the like a big milestone lah ya , just feels good right , (ppc) ya


ya and you finished it ya that kind of thing ya okay your, sure, ya


you you go first ah since you are ready your europe


ya I am amazed err probably when I went to Bali with my cousin, just two of us for seven days, ya then we just like surf everyday then just bike around live like live like a local go and find all the food and all that kind of stuff ya to we went to like quite a secluded area lah not much tourist and all that back then


ya so then where I was at just that's nice for me, !huh!, that time was, Canggu but that was a long time ago before like they had all their, beach lounges and all that ya


ya, ya back then no tourists there at all like it was just us ya, so that was nice lah ya, what is the most oddest compliment you've ever received, !wah!


this is the oddest question I've ever ever heard , ,


!wah! changes keep this lah I really don't know eh honestly like, and no right we are not the type to really like receive a lot of compliments also, as in like normally people know something they just , don't don't say [orh], ya move on lah


ya same lah ya, ya


!wah! mine is beer bro, I mean as a kid you're not supposed to lah okay I mean something more appropriate ah, Sashimi I I last yeah I used to hate Sashimi but now I like Sashimi a lot


oh okay, ya lah I I get what you mean lah don't ,


my best birthday present , oh my best birthday present was when my friends, and, some of my family members surprised me with my, with a macbook on my twenty first so ya my my sister put in a lot like all my friends


and like some people who didn't get me a present already like she just pulled all the random people that she knew were coming then ask them to, to contribute to get the macbook lah which honestly has served me very well and it was a gesture that I wasn't expecting at all lor ya cause it wasn't a cheap gift also


!huh!, sorry ya ya I know, a lot of a lot of most of my like big groups of friends she managed to find like someone inside so that they managed to get, ya quite a lot of people involved lah


ya lah time is time is also a gift lah, what is your biggest blessing in disguise


my biggest blessing in disguise, !wah! !wah! I can't


ya , ya ya , you confirm sneak some brownies into your mouth every time you paid for your mum


pa pa pa pa pigs , ha seriously seriously, (ppc), eh you know I re you know this conversation is recorded right I show your brother then you know


my comfort food is like those, I I don't really have lah I don't really have lah I mean I just like I love to eat lah like most stuff ah I'm fine already, (ppc) (ppc), ya ya comfort food probably ah fast food lor McDonald's or something


(ppc) what do you love most about yourself err, okay for me I, think that, uh I like that I am very good with people lah like in a sense like most people will


in in okay this is in it's quite lucky also lah the way I'm brought up and all that like, based on personality and and how I am as a person most people would gravitate, towards me lah like if I if I talk people will listen, ya and I think that that on its own is something that


it's priceless lah like you you cannot really train it it just, like, quite lucky I was born with charisma and all that, ya it's it's just like that but I I think that I appreciate, and I'm very thankful that I I got a gift lah ya


ya like choosing your friends and all that, being able to choose good people just


very passive passive like, position lah passive position like not really, ya, okay that's that's good also, mediation ah mediator


who do I look up to but I probably look up to my dad and my uncle, equally the same way because they they didn't come they come from a very bad background like both lost their dads when they were very young like I think primary school secondary school age so both of them had to actually leave school to go and work for the family


then they give up a lot lah they give a lot but then in the end like today they still made it very successfully like they still hold good positions like, actually very good positions, and then, ya it's so it's like !wah! it's quite crazy


they, and they they they like take care of like the entire family like my grandma and they were only in like primary school that kind of age so it's like, like that kind of responsibility, back then is a bit crazy lah yeah I can't I can't imagine doing that lah


ya you leh mom ah probably


ya ya ya


we are quite lucky to be able to look up to our parents too lah ha, then ya ya can see lah


and your mum is one kind also, one kind of nice


okay we move on, for me I don't really, notice these kind of things because, because I feel like if you work hard you will be rewarded


monetarily wise meritocracy ladder, as in this, ya, (ppc) and then you'll benefit the most ah ya


dude, , I, music ah you low low


half time revert eh what's it called ah, eh ah slur already verb eh, , no my actually I like the kind of days also but it's not like, my perfect day lah


ya hold on ah, okay uh yeah uh my perfect day is more of like a beach day lah actually I think like I like to go Sentosa maybe or something like this with bunch of friends or like I like to go out lah a lot ya so my perfect day would be like probably going out lah even playing like


meet meet good friends play football play futsal all that for me ah I love that lah ya okay next question, what was yup


eh that one don't cannot cannot compare overseas lah bro that one not fair already seriously like that I'd rather say I wake up, wake up in iceland , ya lah true lah, ya if you weren't actually I was going to say like wake up in another country like like like like Hawaii or something !wah! that one like !wow! really perfect for me


okay what was the proudest moment of your life


, I don't really have one very significant one lah so I'm probably gonna to pass this ya


err I would just eh a short while lah I just think that, ya before this global uncertainty is what forces, us to, move on lah like be become better and help the human race evolve a bit as in all the greatest inventions all the greatest


uh like big steps that the human race took is always because of, situations like this lah ya when you're forced to, when you're forced to change lah and find solutions to make things better and all that lah ya that's all


yeah a lot of things a lot of things like uncovered lah, , !aiya! this one easy ya I straight book flight go taiwan same settled


, Jio Hong [orh] I would confirm Jiio Hong , , no because whole right I tell him if I tell him to go tomorrow right if I tell him to go tomorrow he confirm goes also seriously


ya, ya I just fly lah I just want to go overseas like actually Bali is a shout lah Bali is a shout, ya


ya actually ya lah maybe I yeah actually maybe I wanna go Bali also, !eeyer!, in the post


for me I just really appreciate, and I mean never in my life growing up whatever thing that I'll have to say like I appreciate going out, you know is that crazy like what the heck after


ya it it's like you never realise how, how important somethings are right unless they're taken away like it's it's just normal what it's important, like even go downstairs, cut hair for period of time we we couldn't even do that freely lah, and that was that was crazy for me lah cause it's it's like it really shows


like how having like being able to just do whatever you want, go out with whoever you want all that it actually makes such a big difference when you cannot do it anymore like probably, in some I don't know maybe in some countries are like last time you might have been like that or like and maybe there's nowhere to go in the first or I don't know lah but yeah I couldn't do that no meeting people stuff lah ya


ya it's crazy eh, the couple thing we worse ya , yeah


part one financial related topic, okay so personally I have a personal insurance that I bought when I was in NS lah because there was this person who came and approached me uh


when I went for the NTU open house so this or personal insurance actually I think is a really basic one it doesn't really cover things like hospitalisation or like things like, critical illness it is just those basic endowment plan so like every month I will just pay sixty dollars so it's just a very basic one lor and it is by AIA I think the name of the plan is uh


what is it ah the name of the plan is called, flexi saver plan I think ya then a feature of the policy is that like after twenty five years I'll get a lump sum and like in the event if I die or anything


I'll get eight thousand dollars plus all the amount that I put in plus all the interest so I think it is a decent plan that's why I signed up because like, it is also flexible in a sense there at the end of two years I will be getting a yearly coupon of about two hundred dollars no four hundred dollars so


ya that's the only plan that I have so I will only buy additional plans after I start work because right now I'm currently in uni so I don't have that excess money, to go and buy any new plan at the moment yup so my experience with the policy I think it is not bad lah because uh I will have like this month uh this yearly coupon payment and a fact that I'm only paying sixty dollars per month I think it is uh reasonable and it doesn't


a burden need too much financially so it's fine yup, ya


uh I'm giving tuition every every week so like part of the income I'll use it for the for this insurance lor so it's not that bad I still have a sizable amount of money to save ya, but one thing I think that concerns me is the health part lor because it doesn't


really have, a coverage ya, it just cover like death, yeah but other than that it is more it's just an endowment plan lor so nothing special about it lah just a savings plan if I think from about three point two five percent to four point seven five


ya ya lor but the time period of it is damn long lah it is twenty five years ya so that is the downside of it


but I thought this critical illness thing it shouldn't be like the first thing that you buy mah because I've read on the websites like sickie they say that the first thing that one should buy is like err the hospitalisation plan because this, critical illness plan is like mainly for critical illnesses that one would likely only get where they are older at age mah so


like what's the point of committing to it so early like I know at the start maybe if we buy it will be cheaper but then shouldn't, you like buy the other stuff first before considering to get the CI plan


like I know that for insurance there's also things like a a term plan and a life plan so like for term plan meaning to say like, if let's say I buy this insurance for thirty years so I will be covered for thirty years so anything other than that I if anything happened I will not be getting any insurance payout from the insurance company


then uh the life plan is like one whereby you know at the end of this a period of coverage you'll be getting a lump sum back so I think this is the only difference uh but for but one thing that I'm, but I don't really know lah is like whether I shall go for a term plan or a life plan because


like for life plan like a portion of this a monthly monthly uh premiums that you are paying actually go for investment however like because I'm from an accountancy degree and recently I just started to invest some money into SGX


then I'm thinking like you know why not I just use this sum of money to invest myself rather than to go through an insurance agent to do it for me because like also I I also have an insurance friend who recently came and approached me


and he's he's actually form a marketing degree lah so I asked him okay so if I were to give you one million dollars so, are you the one who is going to help me invest or are there some other people that is going to help me invest this amount of money so what he told me is that okay so some background information so he's a financial adviser but can sense that he's trying to sell


uh those uh fund's managing plan rather than the basic plan so I think the reason why he's, trying to promote the investment plan more is because it might be more profitable for him ya because as we all know uh insurance agent their salary is based on commission mah so if they were if they were able if they are able to sell and


uh an investment plan a fund's plan they will definitely earn more, so ya back to what I will say so he was trying to sell me this uh fund managing plan and he tell me that okay so if I were to give you one million dollars he will be responsible for like splitting this one million dollar into different kind of funds so like he's from AIA lah so AIA have example


that are thirty ingredients okay so each ingredient represent one fund so one might be technology why one might be reads one might be commodities, so give if I were to give him that one million dollars to help me invest so he is the one that will be you know allocating this one million dollar into each of these ingredients so he will be the one that's choosing like how to proportion this one million dollars so


and I feel that it is a bit weird lah because he's also not someone from a banking and finance industry so no doubt that you know each of these ingredients is managed by one fund manager so the fund manager is not from AIA so ya it actually outsource


this uh fund managing uh role to some other investment company so I also had a conversation with my other friends so they said that if I really want to invest my money why must I go through AIA and let you know this this kind of people okay not this kind of people


the lab like you know people without an investment focus background to help me manage my money when I can and go through, like you know different companies so you think about all the commissions that they're earning and why not instead I just


use I just take my money and go to a private equity investor so because they have more expertise in what they are doing so that's my a dilemma with regards to term plan and life plan because who doesn't want to get a lump sum payout after the end of the term


it's just that you know whether uh whichever new will allow me to grow my money more, ya and I have to consider this lah because I'm about to start work in half a year's time and definitely I will be requiring insurance coverage by then so ya lor what do you think about it


but why not you use that saving element to invest it yourself because the returns should definitely be more mah because end of the day all the money given to like you know this kind of financial agency they will be using the money to invest anyway


, so err, there are time when you buy your insurance right will you the one that is like okay you researching on the various insurance policy that you want before you approach your friend or you just approach your friend and he will be the one that's you know telling you what is best for you right now


uh what is your question , [orh] okay so currently like I only have one financial adviser which is the one that


uh that sold me my endowment plan when I was nineteen, so , so ya lor so when I was nineteen so they sell me this plan so currently like I'm with her so but I don't think like you know she does a very good job because like she's only there to look for me whenever


uh, ya there she's only there to look for me whenever like, whenever that there's a new plan like she want to sell so she's not those kind like you know maintains the relationship so I don't think I will go and look for her anymore lah but my uni friends there is one guy from my OG that actually uh comes and approach me and recently come came and tell me about


the change in definition of the critical illness plan so I think uh it is good, but, but then again I also got go and read up on myself lah because like I feel that this guy is mainly trying to sell me the funds plan which I'm not really keen


especially like you know if I were to start work I will only be getting entry level pay so definitely I would want my fundamentals to be settled first rather than to you know just straight away jump into funds managing plan and furthermore I also feel that like the money I should use it to invest myself rather than to go through him so


ya lor and, I think unlike you because most, many of your friends are uh doing this line of business but my I I don't really have close friends are doing this so , I'm just relying on people who come and approach me personally lor like linked in there are many lah but I feel that it is not very professional like you know to to just like go through linked in to try to get their clients so ya I've been reading up on myself and deciding on like hearing on opinions lah like


what people are buying at uh when they first started work, yup so I also don't want to blindly you know just uh, listen to what the insurance person say because at the end of the day the plan it stuck with you but the agent might not be stuck with you so you have to know what you are buying ya that's what I feel however it's just the term and life or because people associate life plans with


people associate life plans with it uh it like an investment side but I'm not sure whether there's a uh entirely true or not ya


, ya then uh what else do you think CPF insurance coverage is enough for insurance coverage err I'm not exactly sure what does a CPF cover so, ya because my friend didn't really tell me about it yeah so I'm not sure about that uh dependant product protection scheme


ya I need to wait for hand to tell me what is it about, ya so endowment plan ya lor so currently like my endowment plan is a sixty dollar per month but when I were to start work I'm not sure if I will continue and put more inside endowment because ya lor as I said I would rather the money to be put elsewhere lah rather than know to go through these which at the end of the day


the insurance company would also be using the money to to invest it ya so I'll rather uh do it in myself ya


but definitely for like question five uh investment linked policy to me that is a don't know lah because like just now what you mention also it shouldn't be mixed because this one is like is the funds thing lor this is like you know explicitly you know you are using that money


as part of their premium to invest so to me , ya lah it is not very right to mix because ya [loh] in the event if the insurance fail like I think uh I about ten years ago like people like many people went to buy those a unit trust


by AIA or something then when the thing crash it was really really very bad ya so I feel that ya insured investment linked policies is not really good ya


okay


oh I'm sorry part three negative experiences okay so ya I think I can go first okay so generally right, like I don't like people who have no opinion on things


ya because like this happen when like you know because like I was on exchange for one whole semester then we have a group of people that you know to travel with eh and stuff like to live together to travel with so there was this one guy who


he claims that he has no experiences in like planning all this kind of things he have no experience in like you know uh organising trips like researching for flight ticket this and that like booking accommodation so the reason is that he don't know


but then, honestly speaking like it's also my first time in europe it's also most of our first time in europe so how can you say that, you know you don't know how to do this and that then you never even ask for any help then you know then every single time when people want to try to help you or people ask you for your opinions you just say anything or don't know what I mean like it is good lah like you know maybe if


I'm a person whereby you know I, I can also think of it in a good way whereby you know okay if you don't have any opinion fine then I will just go to whatever places that I want to go to so it's good for me mah is like I I can check things off my bucket list, however you know we have so many trips as I mention like just now you have like twenty over trips to different cities in europe and africa iceland so


that person is just, you know indecisive about things lor, and it's really difficult to uh communicate with him I feel it's like actually it's not really indecisive lah it's more of have no opinion lah everything that we ask everything that we say he will just say oh anything okay okay so I feel that is very weird lah and I


and I, just don't hide this kind of traits of a person like people who are uh who does not have a opinion of like of their own like they just straight according to people's view and you know just be a yes men to everybody


but I feel that the reason why he does that is because like he wants to you know he don't want to offend anybody like I mean ya lah it's all right lah but you know, factors like this like you know being a being


uh you know people who have no opinion I wouldn't say that is easy going because , uh it's two different things mah like the fact that you know he doesn't even uh contribute or anything a fact that he just going according to what people says and doesn't really take charge in his own work I think it is really


horrible as a person but I I feel I know we went through so many years of education definitely you will think, you will have, like for every uh decision you will have rationale oh it's just surprising that that fellow just doesn't have so I think he's very weird ya


ya like can't just you know you you can't just like push it off just by the mere fact that you know you are okay with anything ya it mean to me is just laziness (ugh) yeah


like other danny applying to like choosing the friends to go to exchange with does it apply to you like choosing your girlfriend


I don't know because like just now you mention okay like uh, one advice is like you know you need to understand a person more before choosing to, embark on an exchange program with them but uh does this like you know uh also like kind of make you like kind of a factor to consider before getting together with somebody


oh but just now my factor was mainly on like you know the person who, really doesn't really have an opinion on things but what I feel is like if I were to get together with a person definitely at some point in time I need to have opinions right because like you know in times if let's say I'm retrench her times where you know just a


at a milestones in our life like having a children what I can't possibly you know make all the decisions myself mah correct so definitely I would want a person who is able to make decision like either with me or


ya to make decisions with me such that you know because this like this relationship or in like just now this exchange belongs to everybody it doesn't just belong to one person so definitely some support is appreciated so definitely I'll want if I would


ya so definitely I would consider like whether the person is able to make sensible decision is able to you know think critically and I think this is a important factor for me if I were to like for me


ya lah for a partner, ya ya, then what is your greatest fear


, (hmm), okay for me personally err the greatest fear err, cause in JC I actually experience like OBS then for the OBS right we actually sailed


our way around the indonesia Riau islands so we had a sea expedition which lasted for five whole days so you can just imagine lah we out at sea, every day before the sunrise so six AM we all packed up then we will be out at sea for the whole day so we have our lunch at sea


then we will find some place to camp for the night so that that will be like so we will we will be out at sea from about seven AM till about five PM six PM each then after that we will go to the, to find a base to pitch our tent lah around some of indonesian's many islands so there was one day I remembered uh we actually encountered a storm so the sky was dark water was choppy there are lightnings all over


so we cannot even like you know operate the, the boat that we are in is called a carter lah so we can't operate it we cannot row or sail because the wind is too crazy and, the the wind is just too strong so we are just get pushed around by the current so you remember that day was really really cold and it was raining super heavily then what we could do only right was really to hide under a ground sheet


so I think it was thirteen or fourteen of us so thirteen of eh, no thirteen students plus two of the ODS instructor so like just fifteen of us we just hit under the groundsheet I think for close to three hours so we didn't do anything and waters were coming in our carter so to me that was really scary because


all we had was a life jacket but honestly what could a life jacket do like, so even if like you know, no lah so and like I I just feel like I'm just afraid you know of drowning cause it's just fifteen of us in the middle of the ocean


whereby it was like there were thunderstorms and things like that, so you know with all the strong currents and the strong wave the boat could you know just potentially flip over then all of us will just be stranded out at sea in the storm, so there are many factors like you know lightnings might strike the sea we might be electrocuted who knows like you know or us being just floating around the sea


and we just waiting for people to save us, ya, it was stormy it was really bad so and it was really scary because we, we had to hide under the ship because of the lightnings and I don't know how the ship protects us from the lightning lah but they are we are instructed to do so and while we were within the ship for three hours