one chinese uh ghost story ah, long long time ago lah that time, ah I go with some colleague ah he said come come come let's go and watch movie I also don't know what they watching ah just go lah , after work lah go !aiyo! all ghost story ah about uh this this house haunted one lah and then ah after that ah the don't know how the ghost can go into the ring and then this person go and buy the ring and then the bring the ghost into their house also


and then the whole house all become upside down oh !wah! very frightened after that ah, ah ya lah very frightened after, that


eh might ya ya, ya that's why ah never watch lah I that one ah I saw ah terrible ah uh what, toilet seat also can come out with the hand !aiyo! you see lah this


type ah we go toilet also, must see again whether got hand, or not , , very scary lah cannot watch that's why I, if I know I won't go but I don't know because I went with the colleague ah they all said come let's go okay lah go lah don't know what movie they see also just go lah !aiya! then know that is ghost story I told them next time don't make me pay to go and frighten myself


am angry to watch ah no lah not really lah unless ah unless at the end of it ah uh you they don't find justification one especially those those you know ah that one ya lah not I mean


we feel unfair for so-called the hero lah you know what I mean otherwise ya, those are those are some of those movie but frankly !aiya! usually this type of thing ah they will plot ah the hero will always win one lah they will the victory will always for the hero one to glorify the hero


right , very seldom lah, very seldom they have they have movie ah that that at the end of it no justification ya right so far no leh what about you see any of this or not


but it didn't turn up what you expected lah ah very disappointed [orh] ah ah very disappointed lah !aiya! yeah sometime ah ya there's a


twist to the the story you thought you can see it will happen like that but it twist the thing , hor so change change uh, the whole whole mood man even our mood also change I tell you hor hor ya


ya lor waste of time , right it's a waste of time, ya lah but what to do some


but sometime you you never watch also you don't know what is it all about what is only when you watch then you know what is it about and ah but sometime if it's nice ya, you can revisit lah go and see again you know see one more time ah otherwise I'll even recommend friends lah if it's good ah


no good one uh thumb down thumb down , , ya lah that's true lah uh that's why lah technology lah again lah


but then eh not not ya not, everybody feedback is is genuine one, hor, right ya not everybody feedback is genuine one of course if it is a genuine one good lah but not everyone genuine lah I mean they also like some they like the actor


lah they like the actress okay lah thumbs up thumbs up you know otherwise , no good everything no good hor true or not


fear the most ah what what you mean by fear the most ah


oh ya ya ya ya ya ya, oh eh I've frighten height leh err I I frighten height ah frighten height ah, to high ah to high ah my my my knee locked it


, eh cannot cannot cannot too high I cannot but uh I mean in the in, if you just put me in a room okay lah I'm okay one lah but it uh what about you what about you what what are eh, [orh] oh


ya that talking about animal I I share this one with you ah this happened to a girlfriend of mine ah ah I this how she's started to frightened lah uh there was one day I think she was at a coffee shop or something you know then somebody was trying to play


punk with her lah just play only lah, take a small kitten pick up a small kitten from you know you know some sometime ah got coffee shop also they got kittens running around right then take a small kitten and throw onto her dress eh as she was sitting down she was sitting down


and then from then on she ah so from then on ah she see cat she frighten, ah ah she , eh that one ah my girl friend ah see cat frighten then there was once she went to she told us ah she went to the clinic lah


you know neighborhood clinic ah then she actually register herself already then she walked out for awhile then she come back she didn't know that there is a a cat this one is a bigger cat actually just underneath sleeping lah underneath the chair lah ah then she went to sit


then after a while the the the the cat get up ah wake up and meow, she she jumped and stand on the on the chair , everybody looked at her she said ah so Malu eh so shameful


he said ah I, have never been so ashamed before really eh she said !wah! she jumped you know she really jumped she jumped and she yelled some more


ya ya ya ya ya ya ya ya , , !wah! I can imagine man ya ya ya ya ya ya, ya ya


can understand that eh when that kind ah when it touch you ah is like !wah! your whole body ah the the the blood starts circulating, very fast ah your heart also beat fast ah hor


ya exactly you never expected you see, exactly


ya exactly ya then ah you really !wah! really ah then, people all around you look at uh she was telling me lah !aiyo! people all look at me my face all red, then he said , , then he say !wah! then ah I feel so Malu eh really eh I say I want to do uh not not


if you know also you won't go near that chair right, I said ya lah exactly exactly but what to do


ah yes yes ya ya exactly ya exactly it's true ah it's true ya lor very true


, , but some very stubborn you shoo also it won't go


right or not ya exactly ya that


you you you know what you do you must start touching touching some cats or dogs ah then ah that will slowly ya


you will overcome the phobia this is this is should be the way to overcome phobia lah ya otherwise ah you will live with it for a long time eh, ah no use ah I think ah the natural way to heal yourself on all this type of phobia ah is to put yourself there


ah that as in like go and touch lah you go and touch ah then you you will get off that phobia already you must slowly lah get used to it ah it it will lah I mean you just have you must you must uh uh, uh uh slow if you know your friend they have dogs or cats ah ah when when you slowly stroke stroke them ah ah they will they will you will slowly also you know not afraid of cats or dogs or in any of the animals lah can one


lah can you, oh talking about insects ah !aiyo! you know the some cockroaches can fly one ah !wah! that one scary man , uh


ya lah if you what but then eh those fly one ah, especially uh like I I think is like going to rain then you can get fly cockroaches you know those ah, ah so if you get those fly cockroaches ah frightening man otherwise ah those crawling around one is okay lah I mean nowadays singapore very clean I don't think so lah


ah oh oh but


but I would say because ah nowadays ah, singapore even flat ah they are, all in a common uh, been through ah so not in the individual house ah so this type ah really help uh really curb down this uh cockroaches you know and insects ya ya


oh maybe ya sometime lah like I said those flying one ah don't know from where it will fly in lah ah, ah ya, otherwise ah actually right now singapore, the the bin chute is all centralized ah most of the unless those old old flat lah ah then uh the for that ah they already lesser cockroaches lesser of these insects coming into the house ah really very good


ya uh ya unless you stay in the lower floor lah you stay in a lower floor ah, where is there is uh nearer to the bin nearer to the what lah then you will have this lah otherwise okay lah not so bad one lah


hor uh singapore still consider very clean very nice uh green right, eh but lately ah because of the COVID ah the grass all so tall ,


oh no I no need to go out just opposite the my place there is one empty place ah ah then can see the, grass all tall tall I just hope that ah these people will come back, very soon and then do the cutting of the grass lah they have to already ah ya lah they cause all of them are still in the dormitory one ah ah


but the I think the COVID ah really also really affect a lot of people leh like, ah you see, ya lor a lot of people lost their job or uh ya what to do lost, close business eh some business ah you will never see them come back again oh that's why then some also incurred


what got to go to the bank and loan and all that you know ah, ya but hopefully hopefully lah hopefully ya, that's why and then but oh thank you


time's up you can see


okay ah okay lah not too bad lah eh travel or not recently


no travel from home to to uh to town , , and travel from home to town from home to supermarket lah, travel lah that kind of travel that means get out of the house lah


!aiyo! uh I also actually very Guai you know I I didn't move out of the house ah during CB I just stay put at home lah and then !aiya! then after when the CB faster, go and cut my hair [loh] make appointment and cut hair first ah then


, , ah sure sure sure !aiya!, ya lah now boring lah now cannot travel ah all the airline also not moving cannot go anywhere now you got money also cannot travel hor


!aiya! ah eh uh last eh last year ah, I went to thailand ah before !wah!, very awesome man I tell you the !hey! thailand ah all the time ah


we thought they're all buddhist only right temple only right, no ah wrong ah, !wah! the churches there is so beautiful catholic church leh a lot eh three hundred four hundred years old ah ya very nice very nice


awesome awesome but of course beside there they are so awesome lah for shopping lah you know thailand is always very awesome for shopping what, eh many many ah, one day ah uh we all easily can go about four churches eh ah the whole thailand eh in


the not all the whole thailand it's just uh the Bangkok this side only we didn't even go up to the north side north side also got very nice churches, ya but very nice and and one thing ah they the churches majority ah the old churches ah are by their river you know the river ah because that's their livelihood what last time ah they all all travel also by the river use their boat one mah ah


so, old the oldest three hundred over years old, awesome very beautiful but of course lah they have to some of them pull down rebuild but very nice lah they keep most of the old structure but then is very nice ah eh got chance ah go leh COVID over go


ya I also went to vietnam you know after that ah also visit churches ah oh vietnam the churches also very nice ya very nice ya


also awesome place ah also good for Makan eh good for for you know relaxation also very good, very good scenery nice nice very nice especially in Hanoi


!wah! the scenery is very nice, ah must go ah ya


oh I I am blessed uh, I I was uh in Shanghai for a short period of time uh when I was still working lah that time I got an assignment there so I went there lah, ah three years ah I was there ah so


all the all kinds of food you can try there lah and even singaporean food also if they they start selling there also what but of course not as authentic as in singapore, here lah you know ya but, still can go lah can try ah then when I was


there I took the opportunity travel a few, places in china lah like go down the south go to Shenzhen Guangzhou and then go up to north go to Beijing you know uh even go to uh this further up north


Qingdao all that lah ah not bad lah can go lah china actually uh good place to explore very nice


ya so big and then you saw the Yunnan that side also nice Yunnan go up then go to uh this uh what, ah you can go up to Shangri-La you know !wah! we went all the way up to Shangri-La very nice


no that place name is called Shangri-La is because it's four thousand feet above, sea level ah very nice oh very nice ya, nice place nice place next time lah got chance ah eh we two can travel together also lah ah got chance lah


ah but start off slow first ah go around here first if the COVID start only open only we must go first , go malaysia Makan Makan eat eat eat , ah ya go Malacca


oh actually ah you go to this type of places you must see lah their culture must see their culture because their a lot of places ah their cultural very rich ah their cultural really amaze you one I tell you you you go and study ah !wah! it can bring back a few thousand year ago you know


ah ah very good ya so this type ah, must really lah you must have that, the time and the money right


ya the the you you, ya sometimes ah uh we actually been deceived ah by some of those picture we see you know, but actually in that place itself is so beautiful ya so I mean you must go and really experience it yourself ah and go and see it for yourself ah then you realise ah they're actually not so far behind lah but they are very nice


ya they are catching up ah catching up I will say catching up yes catching up ah, even if you go to some you think is Ulu Ulu ah their countryside ah no actually they also like we all singapore like that lah they keep some of this place ah heritage one lah you know ah now you can see ah !wah! really very nice leh


yeah very nice so the the even just outskirt of Shanghai ah there is uh this place ah they called it Zou uh Jiu uh what Zhouzhuang okay ah it's a it's actually a like a small little island


out just outside but it actually they they manage to use like singapore singapore island to uh Sentosa like that lah build a bridge over, ah that apparent, no


ah and apparently during japanese time uh no japanese ever enter into that place so that place was well protected so you go there you really see all the heritage thing lah


all their uh all the old old thing down there but they maintain nah and then they they upgrade lah eh get very nice really awesome lah really awesome you see uh uh those places ah very nice


ya ya you see the singapore like like you see you go Amoy street you see ah, !wah! happening you know really happening down there ah, ya exactly that's why I ask you whether you go go traveling or not must go to all these places ah


no need to go far you just go uh uh go and visit like those indian uh little india you see little india, also nice what ah chinatown ah you got time ah you go and walk lah you see very nice you know very nice these places ya you look at those uh uh


they maintain ah the old places ah there Katong also what Katong you see all the peranakan those houses ah eh they still got the peranakan store down there what, ah ya and then sometimes you can go and eat eat the peranakan food ah and as usual lah Makan again ah


ya lah, oh not not really lah sure nice then they


got open restaurant mah right or not ah just like when we go Malacca also we go and eat the nice nice, uh uh uh this uh food from the malaccan one lah but, nice ah nice ah nice place to go last year also I went to Malacca I went twice ah Malacca itself oh I also went


ya ya exactly this it ya exactly, this is what we always uh favourite pastime Makan lah


right, ya because some some of, we take benefit of the exchange rate lah ah some exchange rate is you know eh last year one to one sing dollar to three malaysian dollar why not can what right ah so take take advantage on the exchange rate ah so go lah


go relax ah relax ah relax, uh , , right ah so a lot of time ah is like that lah in singapore actually very hectic eh life ah so go and relax lah


ah right uh then now with the COVID, of course lah that's why we look forward everyday man everyday we look forward to something new and even


though COVID is uh I mean around ah but it's also good leh actually ah you see ah the family all never go out to work never go school right all stay together ah ah eh bonding bonding very good very good


ah look at the good thing lah, look good at the good side lah, ah


ah they hardly got time together ah ya, ya exactly then the children also happy what see the parents around especially those younger one ah ah no need to go childcare ah


ya lor that's why ya they don't have to go childcare ah !wah! mummy this mummy that !wah! very good but then poor mummy sometimes also overstretch ah if they got to work and then at the same time they got to look after them but enjoy lah ah


children ah at their young age ah you you don't spend time with them ah very soon they grow up they got their own activity lah, they won't want to go with you ah you ask them also they won't come already oh, right so


I I think I I think ya lah I mean everybody will be affected lah frankly eh uh I mean again


it's not a one person thing what is everybody what right so all have to stand united, together lah like you know SG singapore unite together you know so when we stand together, we can fight this COVID ah then very fast over everything will go back to normal lah of course lah it take some time lah you know !aiya! human is like that ah it take some time to change ah and but


it's okay lah just put yourself in a positive light ah definitely nothing go wrong one lah with our government so strong backing us behind !wah! so good leh right uh so far ah very good they are very good they are very good


eh you see ah uh MAS ah they not give one time leh they give how many, times ah right or not ya then they make ya, never mind lah people like that one lah you cannot satisfy everybody lah it's okay as long as we know they're the the the


government is very positive you see ah then even those during the the COVID the CB time also what right the circuit, break time ah uh but then yet still got ya some people ah actually ah don't have a roof over them you know but yet they're given a a place to sleep right they are given food so what is this singapore leh very good all this time ah


we really ah must really SG united ah must stand together this type of thing ah, only stand together then you really can defeat and victory over this COVID lah I tell you sure it it may take longer time but just stay uh positive ah you can one even you see like some


uh work loss ah but yet they're still helping out what eh how the government, all lah all all kinds lah all kind


ya they they redeploy them to do something else lah ya, they ya ya I'm ya ya


I mean frankly uh ya frankly lah in this period of time like that ah difficult time ah, humble ourselves just move on lah you whatever job come grab first lah then ah that's a stepping stone what who knows maybe your character uh your your career path change right


ah you won't know what any way, !aiya! must stay positive one lah don't don't don't think so far everything ah is already so-called in in our god's hand ah everything ah they will god already know what to do for you one ah


just move lah, you won't you won't go down the the the dumb dumb one lah you know what I mean sure god will help one lah ya and anyway our government is already helping what you can see right ah


never never stop helping eh !wah! I also very , really give my take my hat out for the the those uh frontliner ah these uh doctors ah nurses ah hor the hospitals


staff ah very good leh they !wah! with really ah give themselves up ah and serve others eh really very good ya lor very good and in and then, those essential service one !wah! you see even CB time also they come out to work !wah! the the driver


ya lor the driver also ah the ya oh ya and then some


then some give away food oh the hawker giveaway food very good all these people are really !wah!, must bless them eh uh ya they are really good lah


ya ya that's why eh the kitchen one ah not easy hor they they go they get up very early leh as early as five o'clock they have to be at the common kitchen ah ya they they have to prepare not only lunch hor breakfast ah


ah breakfast also they send ah ah they also send ah they send very early one ah so actually, they really sacrifice them their time their life you know, !wah! we really must say thank you thank you lah for to these people ah without these people also a lot of the poor ah still starving and nobody help them lah really ah then I also


and the other thing is what you know technology now the technology is good ah uh technology ah really help to connect eh, right ah ah you see


like the the the uh, parents uh, cannot visit right the grandparents ah then uh they they connect with phone !wah! video call how nice, the technology nowadays the technology is really good !wah! really ah must thank thank for this technology we what what what ah Zoom ah they called it Zoom ah ah


hor good eh really good leh then got got the uh video, call WhatsApp call !wah! then even uh they cannot go back you know the malaysian lah they cannot go home right ah they also, oh that's why


part one financial related topic


oh so we ask each other ah, okay mary you ask me number one


okay so for my investment strategy I actually follow a low-risk strategy where the focus is on making a profit, with the money I set aside, okay so how do I how do you plan your investment portfolio I actually ask myself a series of question like how much money do I have how to how much money do I have to invest I if I have one K I will set aside around two hundred to invest


and then how much risk can I take if I were to invest if the two hundred I set aside is gone will it impact my everyday life will I still be able to pay my bills and et cetera and what are my goals in investing, okay so I have just start up my career so I make a profit and grow from my capital and what should you invest in do you invest in stocks security bonds mutual fund et cetera


okay so how long is your investment horizon I think it's quite short, cause the , the shorter it is the more conservative it is the longer it the longer it gets right then it's risky ah


so what about you what is your investment strategy


okay yeah, uh moderate I can takes medium risk low to medium risk, how about you


(mmhmm)


right


so ah no yeah nothing else to add on, do you do trading what is your trading strategy


I see I think I invest more in stock so trading I don't really do so how about uh options do you invest in options and if yes what is your option strategy


yeah same I have not dealt with options either so stocks market can I start first so I actually invest in yeah, okay done


so uh mary you're okay right, okay so we go back to point number five do you invest in the stock market uh for me yes so what do you look out for when picking a stock for investment for me the number one thing that I look out for is


profitability, profitability yup so whether the stock that I buy will make money from it, how about yourself do you heavily invest in, stock


, so I agree with you one of the bottom line is actually like web apps zoom all these because right now everyone is working from home so definitely if you buy stocks from them like most likely you gonna make a profit okay


okay so next point do you perform fundamental analysis technical analysis when, investing do you perform any analysis when investing technical analysis if so do share your experience


so similar to yours for like analysis I will look read their annual report I will look at the cash flow statement balance sheet and also read up on current news so, yeah basically that's it technical analysis not really either so what do you think the next mine let's move on what do you think of automating your investment and invest passively


for me I would like to skip point number seven you anything to comment on yeah safe okay so for point number eight buy low and sell high is this a good investment strategy what's your thoughts on it


to me everything is about profit you buy low you sell high you make profit that's it bottom line so I agree with this statement, and I think it's a good investment strategy, okay so let's move on time the market or time in the market which strategy to you prefer time the market or time in the market


let me see is it, do you have anything to say on that or you want to skip or, point number nine, (mmhmm)


yup agree with what you said time in the market cause everything just increase and decrease so drastically so you have to monitor time in the market, okay, so number ten what what are your thoughts on DCA dollar cost averaging


okay let's skip yeah I not very sure with dollar cost averaging either, okay I can proceed


okay so [loh] next next part do you think investing or trading is similar to gambling for me I feel that if you don't know what you are doing then you are gambling so whenever you invest you have to do your own due diligence do you know what you are doing if not it's as well as you are gambling


so that's my thoughts so what about you


, right okay so options are worth looking at for new cash cash strapped investor do you agree I don't really do option so I will skip this one you have anything to add to this


okay so what are your thoughts on investing in highly leveraged products like options so I'll skip this as well yeah anything add on point number three , ya cause


, right so okay let's move on me too, let's take the next one discuss the recent performance of the stock market okay because of this pandemic I think


the economy is down and there are some stocks that's worth buying so, what are your thoughts uh recent performance so I think there is a lot of opportunity this time round because of the pandemic so everything is just decreasing so you can actually buy low and then when it increase you sell high so I think there's plenty of opportunity right now in the stock market so what what your what are your thoughts


okay so let's move on number six ETF or unit trusts which investment instrument do you prefer, okay yeah


yup okay so next part the stock market is not your is not the economy what are your thoughts on this saying


, okay so back to me right yeah stock market is not the economy so my thoughts because I do stocks I play stocks so after all this time I feel that uh when like for the situation right now when the economy is down the market will do very well so sometimes it's really


manipulated and I feel it's really manipulated so ya that's my answer, okay, yeah yes, so once you do enough stocks you'll know that it's manipulated so okay so next question !wow! if you have a sudden windfall of one million dollars will you invest your money and how will you allocate your asset for investment


, oh my god same okay yeah


, so sudden windfall one million dollars to me is a bonus sum of money okay so I definitely going to reward myself by buying properties and then with the remaining balance invest because it's a bonus sum of money it's nothing to do with my like own salary or whatever so if I


have a bad investment and so be it but if that amount of money gonna make me make it grow bigger and bigger then I think is better so I definitely will not keep it in the bank I would definitely invest, yeah, with that money


and so next point how will you recommend a student with little cash at hand to plan their investment journey, so for a student with little money so how would you advise them like,


, okay so based on personal experience so for a student with little cash at hand so I ask him, for example if you have hundred dollar how much money are you comfortable to set aside for investing because investing you might be you must be prepared that the twenty dollar you set aside may be gone okay so are you okay with setting aside a sum of money for investing and if yes I will ask him to check out like platform like dollar X or dollar dex


where like expert will actually share their opinions so they just do passive investing passive earning from like those online platform, and just pump money there and then let the expert do the work, okay so I think it's safer


because they might not know what they are doing, okay so next point should I invest with a financial advisor or should I invest on my own and why


I think this one is really quite subjective so , if you are those low risk person and you do not know nothing you prefer someone to do the work for you then you go through with a financial advisor but for me when I play stock I do my own due diligence I do my research myself I uh even if I lose the money I will ask myself why where did I go wrong so I prefer to invest on my own actually so I actually learn something from it


'kay so I will go for investing on my own okay so the next point are you familiar with, investing if yes how did you even start if no then uh why why are you not, familiar


, okay I think investment there's a lot of different strategy okay so there are a lot of different uh ways to


invest so for me I am more comfortable with stock so how do I start I actually read a lot of stock tip read a lot of like uh stock details online okay I even joined facebook page to learn more about stock, so that's actually how I get started and I talk to people I talk to mentors I attend free workshop to understand about stocks so that is how I start


and I think that is how every beginner should start if they want to you know start and stock trading, [oh]


part three negative experiences, describe a time where you felt trapped or helpless


right


, uh there's this time when I didn't do well during the finals of a exam


so I felt very helpless like uh I needed that that that subject to do well you know I needed that to score high but when I didn't do well it's like I felt very helpless you can't rewind time you can only blame yourself that whatever you studied might not be enough


okay so there's no no point whining or you know you feel lousy about yourself but, just try harder so ya, that's when I felt really helpless because you can not do anything about it, , what are some of the hurtful words someone said to you that you wish to forget


hurtful words was when uh someone actually said to me jeff you are freaking fat, being fat I don't think it's a crime you are either skinny or fat so if you didn't train as hard then you gonna gain weight, but I don't think people should point out every fat people know that they are fat you you don't need to point out to them and tell them to their face you know you you you are fat you are you know being fat is not a crime so I wish I have never hear that and I think is uncalled for for the person to say that


to me either I wish I never hear it yeah okay, uh back then it didn't back then didn't back then I just feel like very you know lousy about it so but is the yeah after after everything then I decided to do something about it so describe the saddest scene you ever witness


saddest scene


the saddest scene was whenever there's a passing in my family, I'm someone that I don't like to say good bye so when you know but I have to accept the truth that everyone age so whenever like my grandparents passed away you know both side and then now recently my uncle in Thailand passed away


so like I have a uncle yeah that is in thailand so like uh I while I grew up like you know having fun with him and stuff like that and now he's just go on so I kind of feel sad whenever you know someone that actually pass away so yup, ya so describe a time where you feel that nothing you do is good enough


okay done you do is good enough, you know


right, for me is work stuff as well so whatever you submit to your boss she will just throw back to you and say it's not good you submit to her she will throw back to you and redo you submit to her so I felt like very ah like very helpless like uh so what what you want what you actually what do I have to do that that that as you know okay to you


so it's work oh my god yeah so it's quite, it's tough like like so so how how do I you know do something that you want so describe a time where you feel that nobody cares about you


oh dear yeah,


I don't really feel that there's a time when nobody cares about me so I don't have low self-esteem either so I care about myself if nobody cares about me I care about myself is enough so I don't believe it (ugh) yeah have anything to add on on this question so what do you often worry about


oh okay


for me is often about the salary I always ask myself at my age am I really earning enough like I love my job for a stable hours you know and like the the the nature of my job ah what am I doing and what I'm doing


but after worried like am I paid enough you know should I be earning more for that so I always worried like is my salary sufficient so that's something I've been ya lah worried about, so what was the saddest moment of your life


right


right , it's also a passing of a family members but I shall not dwell into I shall not go in depth about it but it's the passing of my family members yeah okay so let's just move on is there one thing you wish you could change but will never be able to


I think it's my school result so that I will be in a better place now or like you know yeah so one thing I always thought like one thing I always regret like if I were to like study higher study better in the past will will I be in a better position now so this is something that I always wonder


but yeah you can't do anything about it now so yeah move on have you gone through any loss in your life if you have describe a emotion at that point of time and how do you deal with the loss


yeah it's also a passing of my uh uh family members


then how do I describe my emotion at the point of time I don't understand like like why why why why the person got to go like like can't he like you know live on for like more years and stuff like that like like why , but as I grow older I realise you know everyone ages so you just have to accept the fact that that person is gone right now so I think I deal better with losses now compared to the past


so what makes you stress, yeah work makes everyone stress so


right right


what makes me stress is I think work and whenever I cannot meet my own expectation so maybe I'm , sort of a perfectionist or stuff like that but whenever I can't meet my own expectation and I fail a lot then I will feel lousy about it I will feel stress about it so yeah that's me so what is the most traumatic incident you have ever experienced in your life traumatic


ya


oh my god yeah, oh my god oh yeah that's so scary ya ya you witness everything yes yes I agree


traumatic as when I go through my first surgery I actually have developed a cyst on my left arm so uh started to get painful whenever I bump into stuff so I have to go through a surgery to remove it right, so when I go through the surgery so don't believe when the doctors say they have already injected your arm so that you will feel numb you will not feel the pain


you can somehow still feel it during the surgery so I feel that like I will never wanna go through anything like that again I do not want to go through like another surgery where you you know you felt so scared and pain and whatever you know ya so yup that is quite dramatic to me


so good luck for with people that are going to give birth so what's the biggest, thing holding you back from your goal


(mmhmm) ,


I see,


it's procrastination you know I have go to invest more money I have to go like to, learn more but I always procrastinate and then I didn't execute so I think in I think for humans the execution part is always the hardest


so I think the biggest thing holding me back is like the procrastination don't just think go for it go do it you need to spend hours learning it in order to get better but like it's just like you know yeah the execution part need to improve so to me is always like you know procrastination


so there is an african proverb that goes the child who is not embraced by the village will burn it down to feel the warmth, has then been a time in your life where you come closest, to starting the fire discuss !wow! that's a long sentence


child who is not embraced by the village burn it down yeah, err, no no yeah let's just skip this describe a time where things turned out


to not meeting your expectation ah okay, oh oh okay


right


, right


right, I think for this every working adult can relate to because at work so many thing that never meet your expectation, you know whenever I do I record the minutes of meeting I submit to boss to my boss I thought I did a great job and then come back you need to include this you need to add on this you know you know redo you know add on stuff like that so okay so I thought yeah have done with this then now now I'm gonna like do it all over again so I think yeah


every day at work you you do something you do you put up uh yeah you give your effort to do something you might not meet your expectation or even your bosses expectations so ya, , okay so is there any question for us


yup, oh sorry I'm just looking at it uh wait let me see just this uh you want to take the question first


yeah agree with you but uh maybe sometime people fear what they don't know, so ya they just being ignorant okay ya that's all


part two positive experiences, okay ya


for me will be my , work appraisal so usually I just do my best and then when the appraiser come up to me and, and I you know as some right now in the modern appraisal right there's bell curve so when I was ranked above


eh ranked higher than my peers I actually felt good so sometime when appraisal the result turn out better than I expected and I'm happy about it, what about yourself


results yeah, !yay!


right right , jeff you are very fit, okay so being a working adult and someone like in their thirties I do what I can uh for my fitness level you see because I have a full-time job and all so when going back for army reservists and people say that to you like !wow! jeff you are very fit


so I feel good feel that that is a nice thing to say then to hear so what about you


I seen


okay so what was the happiest moment in your life


exceed your expectation right ,


right right escalate, for me will be when I finally get my IPPT gold after ten years, okay so during NS I was actually quite heavy quite fat I was the bottom of the pack if not I'm the bottom three that kind in terms of fitness


so over the years I grow you know I slowly get past and then I go back to being overweight again so I go back to being fear and stuff like that so after ten years really one decade I've finally on my ten year that I serve my reservist right ten years of NS, enlistment I got a gold and I like the top of the pack so I that was


like one of my happiest moment in my life like you start up from the ya you you can start from the lowest and then become the topside I think yeah I feel happy about it , yeah, correct so !wow! describe one of your most memorable travel experiences


, yeah, (mmhmm)


right


I see


okay so let's just proceed for my most memorable travel experience I am a fan of this travel show called the amazing race okay it's been on air for like two decades so uh, so from young when I see that contestant actually travel to london to the stonehenge I feel that !wow! stonehenge is so beautiful so nice okay and actually watch movies like shanghai night shanghai noon they also filmed there


so all for my whole life I actually wanted to be there stonehenge so about two years ago so about two years ago I actually made my way there I signed up for the stonehenge trip I go all the way there and to see it with my own eyes I think that definitely was quite incredible but something like since young you


saw it on TV and and after that you're finally there and seeing that place for yourself although it's just like a piece of stone a like a uh a lot of stones but to me is that feeling that you are finally there living your dream, so that was memorable to me okay so what is the oddest or most unique compliment you have ever received


unique compliment


so someone actually compliment that you have a peaceful way ya lah,


I see mine eh the oddest compliment was like when someone said to me that I look good because I have this glow ah look to me I thought it's just , the have this glow glow what look that this glow on my face to me I thought it's just oily skin but that person actually said that you like glow look make me look attractive so uh I find it quite odd but I take that as a compliment I really thought it's just oily skin okay then uh what are you thankful for


, I'm thankful for a good family I'm thankful for a stable job especially during this pandemic I'm thankful for a good good and supporting wife


uh girlfriend then I'm also thankful for that I have met uh finally uh gotten my own flat so these are the simple things that I'm really thankful for so it shows that I'm actually on the right track in life so you know I'm thankful for all these


so what did you used to hate what did you used to hate as a kid but now love as an adult


okay


right, for me it's vegetable oh trust me I hate vegetable when I was young I don't even eat anything so right now as an adult actually enjoyed eating it because I can't be ordering app


meat all the time it's just like three meat that is a bit crazy so right now actually love ordering vegetable and I feel healthier eating it so is how yeah how thing happens never like thought of like, liking vegetable when okay so what was your best birthday present and why


, right , oh what was your best birthday present to me is more of like what was my most memorable birthday present okay this gift I felt like very touched when receive it's actually a drawing


okay okay is drawing of minions I know it's very childish but that person actually take the effort to spend like many hours to drew a very nice photo uh nice portrait, of despicable me minions because like like you know I used to love the the animated series and stuff like that so it's a drawing done by someone and I can tell it will take many hours to do that so when I received that as a birthday present it's very memorable and I actually like it a lot okay


okay done yup, what is your biggest blessing in disguise, (mmhmm)


for me my biggest blessing in disguise is how I met my girlfriend so I attend this event for the sake of getting to know people and just speak to people you know it's really like you just attend the event you go through with the event you speak to new people you network you get to know people


but it turned out to be that's the place where I met my girlfriend and now and you know I have proposed to her and all so it's actually a very good blessing in disguise , so yeah I will always remember the date that I met her it's just like you know yeah, very interesting how I met her so what is a comfort food that you can always rely on to cheer you up comfort food


right, for me


okay so for comfort food mine is not very healthy but I got to say like fries or chicken wings so after a long and stressed day at work sometime I'll just go to KFC and just reward myself like like fried chicken wings at night !whoa! I feel so happy after that so that's my favourite comfort food


so what do you love most about yourself, okay I go first okay so the what I love most about myself is my perseverance I can step up from the bottom of the pack I can be the worst in the class I can you know be the worst among my siblings whatever


but I never give up I keep on pushing and pushing learning and learning to get where to get where I want to reach so for me my favourite qualities about myself is perseverance what about you,


yeah that's nice you care about your family you know family are important okay so who in your life do you look up to most and why for me it's definitely my mom , because she really you know support a house on her own my dad is no longer working maybe like eight to ten years ago my mom worked hard and she do housework she take care of the house and everything so she's my hero forever always and always about you


ya ya ya we can have the same answer yeah, right


yeah, right


yeah , awesome yeah


for me it's definitely when I get promoted in my career so you know you work so hard throughout the whole entire year three hundred sixty five days the countless OT and the countless stress and the high amount of stress and when appraisal come you finally you know got rewarded with like high scores and you get promotion


so I guess like you know that that's quite a good achievement how about you, right


okay


to me my perfect day is as long as I'm out with either my family my best friend and my girlfriend that is my perfect day I spend time with people that I love so that is just my perfect day and I can do nothing you can do very simple thing very mundane thing but that's my my definition of my perfect day ya how about you


I see


post-COVID world what is something that make you optimistic about the future you want to take the question first


, I always believe there's a rainbow after the storm so right now the world is in very bad shape right COVID so I'm strongly believe after COVID after all these have end all this after there is a vaccine and stuff like that


there will be increased number of opportunities so I'm quite ya optimistic that they're going to be in plenty of opportunities in the near future after all this whole pandemic thing,


give me a thumbs up, one two three clap


okay so uh what is your investment strategy, how do you plan your investment portfolio and how long is your investment horizon


for me I will, be focusing okay I have actually , bought a endowment plan so that is uh of a longer term and uh for me I will want to have a low risk as well so I chose one that is with a maturity benefit at the end of the policy which means that I will still get the


sum that are invested back along with the interest and the interest part is then of course the variable component and so for me, at this moment uh my endowment plan is for twenty years so, I feel that this will be a long term investment strategy for myself


and currently I do not plan for any short term investment yet lah but I am open to the idea, for my investment horizon usually, I'm looking at more of long term, and that is of a


safe nature lah so I wouldn't look look at those with very high risk factor, such as stocks or whatnot as of now, yeah, so maybe we can move on to the next question what is your risk appetite when it comes to investing and trading


preferably low as well but, I also understand with investing and trading it is more of a higher risk so for me if I were to focus on low risk appetite probably I'll look at more stable companies like those that has more stable performance in the industry of such


as uh pharmaceutical, uh, and probably I will avoid, firms that are of a higher risk nature such as maybe IT where they may face, more uh market


variables, in the economy lah like such as, if they were to be impacted by any of the uh new products in the market then, probably their performance will be, uh affected what about you


actually I don't do actual trading but I've


, started to learn a bit more using the, an app that I that I saw from my colleague, , it's a social trading platform and so, we can actually


buy and sell stocks commodities and uh, cryptocurrency and, I have tried to do some short buying and selling lah so uh for my trading strategy so far will be not to hold it too long term lah because I feel that


the market, is still quite uh volatile especially in this COVID pandemic and so I will always stick to maybe a a few days then I will just sell it off, what about you


options , so far I haven't dealt with options yet, so yeah yeah okay


sorry uh my app, actually asked me to log in again


yes uh for me I actually look at the bigger companies such as uh three M SAP


uh and for the things that I look out for when I pick a stock will be the, its potential for future profitability for example if it's a IT company during this period then I feel that


they would, have a better performance because uh actually, the trend is that, we are all working from home and so we will need more of such uh applications


fundamental analysis oh usually I will just study their financial statements, uh especially the ah, return on investment part, to see whether, they actually have a potential in


in their stock prices going up lah so technical analysis I I do not really do so what about you


I I don't think it's very applicable to me as well , uh fundamentally I feel that it is you know obviously a good investment strategy but the reverse is true as well you can always uh


sell high if you, actually enter into a sell position of course you want to sell high and then when when you sell it off you are actually buying at a lower price and, so to me is quite true what about you


uh for me I would think that it's time in the market, uh, it will always be, a point where there will always be point where, it is a right opportunity to enter and of course that would be after studying all the market conditions as well as uh whether there's any macro factors that is affecting the economy or the stock market that will impact the company and so


there is always a appropriate time to go into the market rather than to time the market because time the market would, mainly means uh whether the market condition actually impact the economy as a whole and hence impact on the company


to me I I don't really, know what is it so you have anything yes okay


I agree uh gambling is pure luck there is no err, as in there's no knowledge involved no uh homework needed whereas for investing or trading of course you have to do your own homework to understand what you're buying what you're trading


before , doing it lah so uh that is the main difference between investing and trading versus gambling


yeah no, okay so CDP or custodian account which one should I use and why, , I'm not very sure about these contexts


of course uh during this period , it will be good to focus on some of the, uh stocks with high potential like uh, maybe IT IT industry uh pharmaceutical industry, uh healthcare industry where they are positively being uh they have a positive impact


uh positive benefit rather given this pandemic and usually I would, then, avoid like, other, industries lah just to be sure


I feel that the stock market and the, economy is somewhat correlated, so what's happening in the economy will definitely impact the stock market but it is not a generalisation that it will effect


impact all companies because given that all the companies' nature and the major business, is in different industry so it will need to, uh we will need to see whether the industry is


negatively impacted or positively impacted like I said earlier if it's the industry in IT pharmaceutical or in a healthcare related, field then of course it will have a positive impact, despite the economy not doing well


because people are actually and, uh taking this advantage lah correct


okay so if I have one million dollars yes I will invest my money firstly, I will buy a property, because that that that is a in no doubt the value will increase and especially in singapore it is a it is very rare that the property will actually decrease in value


so uh , because in singapore land is scarce and so property prices tend to increase so if you even hold it for a five years the capital gain that you, will get from the appreciation in, in the property value will be much better than if you


invest in any other thing in my in my personal opinion


yeah


probably for student I will, advise them to buy something that is more stable, and uh that will yield like a periodic cash payment back to them for example that will be bonds


be it from uh from government or from a more stable institutions like banks because uh every year they will get a fixed sum of coupon payment so that will also help to uh stabilse their cash flow as a student


so uh for me that would be my recommendation what about you


personally I feel that if you have uh the knowledge and uh, and skills and of course then, you can rely on your own ah on my own ah but if I were to, invest in something that I'm not very sure then of course uh I think with a financial advisor it will be better because he or she will be able to advise you the


risk or uh rewards that you are not aware of, and uh I feel that, it also got to do with a person's own risk appetite lah if you are, more of a high risk person then of course uh maybe you can also ask the financial advisor to recommend higher risk products


ah, than to invest on your own where you have no idea what is better or, not what about you


I think there are different aspects to investing because there are many different methods and options available and, and uh of course we will start, with something that I am familiar with such as uh


I actually went to consult a financial consultant on some of the products that they have and bought and uh, uh endowment plan ah as I mentioned earlier, uh so from there then I will uh actually see whether I will need any other products or not


what about you


part three negative experiences, I feel that


it was a time when I first join a company and they it was during the, the peak period and so there was no one where I could ask about work because they are all rushing their own deadlines and so I feel very helpless at that time because I also have to meet the deadline but I have no one to ask


so it make me feel very very bad at that time like I feel I'm not being supported I feel like how come this company's culture it is is is is as such like there is no proper guidance and all that and I have to figure out things on my own lah so that was a time where I felt the most helpless what about you


understand


err, I think for me will be in an argument with my siblings sometimes they will say like you go and die or something like that so that will be some


quite hurtful to me because after all I thought we are like blood related and then uh no matter what you did or what I did should not warrant such a harsh word so to me I wish that that argument probably wouldn't warrant such a


negative vibe lah and that I would forget such hurtful words what about you


, yes definitely yes


but in a way in a way you you took it as a motivation right I mean so after that you actually train, oh,


uh for me wouldn't be the saddest scene but rather, quite a number of sad similar sad scenes that that I, witnessed would be like if I see an a a very aged or elderly person being a cleaner cleaning


uh the toilet or the or the uh or the, hawker centre I will feel I will feel for them because they are almost the same age as my grandmother and I can't imagine her doing this kind of job just to support herself or rather support her family we may not know the exact reason why they are working but uh to the to me it's like


they are so old already they should be enjoying life but yet they're working in such a harsh environment and then uh the youngsters or even like young people may not be truly understanding of them and may command them to do this and do that which I find that it is quite sad lah


so to me I feel for them because I I I can understand how hard is it for them lah what about you


yes I agree, okay nothing


you do is good enough probably recently because we have a ongoing presentation to uh top management , so the materials that we prepare has been has been vetted round uh many rounds and yet every time there is a like there's a dry run with the management there will be something to change like they are forever not satisfied so to me I feel that I have already done my best and uh mended


things that they they had and also anticipated possible questions that they may have but yet, new question seems to always pop up every time there's a discussion, so I feel like it's never ending and, no matter how much preparation I did it is always not good enough


what about you ,


exactly it will be good if they know tell us what they want but normally it's not the case normally I I don't I don't think they have an idea of what they want they just want you to do it and then they will just reject or criticise on your work


exactly , I think I think this was, more so during my childhood time


you know as a as as a kid usually you don't get to understand your parents' intention your siblings' intention or any other adults intention and so when you get a scolding then ah you will feel like oh there's nobody cares about you and especially if there's obvious favoritism in


the family because uh, if you are like uh one of the, you have other siblings then there will always be constant comparison so whenever you you are at the losing end or you get scolded then I will feel like why why why nobody care for me especially my parents why like that kind of feeling lah so but when I grow up I don't get that kind of


uh feeling anymore so it was more so during my childhood time what about you, , okay ya


!wow!, to me okay work forms a large part of my life sadly but uh okay so, what, I often worry about lah will be whether I can finish my work on time whether the quality of my work is satisfactory to my to my bosses and whether they will be


okay with what I've done so far whether my appraisal will be good so it's more or more often than not about work, what about you


for me definitely it'll be the passing of my grandfather when I was uh, pretty young I think uh primary two eight years old that kind since young I've uh I'm quite close to, him because uh for every weekend we will go to my my ah


grandparents' house and we'll spend time together uh for one whole day so in my memory he was always a very loving caring and considerate grandfather and so when he was diagnosed with cancer uh at stage four it was already pretty fast paced


he was gone within maybe a few months so that was a, very difficult moment in my life lah so uh till now I can still remember that, actually I cried the hardest at his at his wake so that was the saddest moment in my life what about you


, , I don't really have one thing that I could change but never able to because I always believe that if you want to change something you could even if you couldn't change your past past decision that impacts your current but you could change the the direction of how your


future will be what about you


for me I think it's quite relevant to what I shared earlier about the passing of my grandfather so probably I will just elaborate on how did I deal, the loss I think at that time it was like for uh with the support of my family and also with the passage of time lah the the the pain actually faded over time


so what about you,


work makes me stress yeah, so I think other than work it will be when you have financial commitment for example if you already committed, to a flat purchase it will mean that you need to


foot the mortgage financing for maybe twenty five or thirty years so getting a job okay securing a job, will be what is needed lah so in the current situation now, I feel that if you are not holding a job or what not it'll make you very stress so I hope that


I hope that we're just gonna be we will tide through these difficult uh pandemic situation lah what about you


yeah, for me for me it'll be during an uh a school outing we went to east coast park


for uh to cycle and I was about eleven and I went with my sister so we were not very proficient in in in cycling then but we went to we we still insisted on on trying it out lah, but she was met with an an an accident lah she fell down and then a passing bicycle actually ran over her ear so it there was a emergency and we we we went to the ER using the uh the ambulance so I was there and I witnessed entire


experience and because we were quite quite far back from the, gathering point so we I had to you know like pick her up even though she's bleeding and then we had to run over to the teacher and then she she has no idea what happened to her but I have the whole idea what happened to her and I was looking at her bleeding ear so that was pretty traumatic at age eleven


yeah yeah so uh what about you,


for for me I would think is the fear of trying something new, uh, for me I think I'm a very conservative person where I will not risk doing new things


or uh or, I can say that I'm quite comfortable being in my own zone ah so, I feel that, the fear of trying new thing will be something that is holding me back from my goal whether be it a a a goal in in in life or in during work so I think uh maybe I'm a creature of habit that's why what about you


it is quite extreme to me not not really applicable do you have anything to share about this


okay, !wow! this one has definitely to do with my appraisal okay because uh like in my company you will also be bell curve you'll be ranked according to ah you'll be ranked alongside with all your peers who are also holding the same grade so uh comparing to my


peers who has been doing much lesser or rather uh some of them actually were on maternity leave and so they were absent from work what, but at the end of the day when I got back my appraisal I realised that I've the same rating as them which I find that is


rather uh upsetting lah I would have expected that I performed better than them given that I have more job job and, vacation and so that I actually am physically there working


compared to some of them who are on uh maternity leave so that was when I felt that it's rather unfair and things have actually not meet my expectation,


(hmm)


yeah


okay what are the injustices of the world that makes you angry


okay for me uh I feel that it will be the racism racism issue across globally as well, I find that why can't everybody, just live in peace I mean it's just it's color of the skin that is different but we are all humans after all we should be entitled to the same things and uh and and rights despite looking different because looking different doesn't make us different any different from any other


person so one of uh the injustices that make me angry would be racism issue lah be it in singapore or globally, which I find that at least in singapore the situation is not that bad but there are still some uh keyboard warriors that may give very uh negative comments about racist ah racism issues in singapore what about you


yeah (ppl)


part two positive experiences, okay so


describe a moment when things turn out better than expected


it would be in a similar context but it was a, more of towards, uh when I was in, secondary school , uh because I'm always in the err triple uh I mean in the triple science class so uh usually I don't do as well as my peers


so I wouldn't expect that I will be, getting a certain grade for some of the modules as compared to my peers but when I got back my uh O level results I was quite pleasantly surprised that actually I did better than my prelims and some of my uh


peers ah so that was something that, something that actually surprised me and of course uh I was happy with this ah, so, what is the nicest thing someone has ever told you


yes, for me, okay for me, I'm quite an introverted person so I don't really err


open up to others, very quickly and so one of the nicest thing someone has ever told me is that even though I am introverted , but I will always try my best to


be there for them when they need me especially when uh some, my friends actually feel very down, over their personal or family problems and uh, even though I don't really talk, much to them but being there listening to them actually made them feel


much better and so I feel that, to me the nicest thing someone has ever told me is that I'm, quite a good listener, such that they they feel very comfortable telling me their problems and even though I don't have any, solutions for them at that moment they are


they they still feel that they are, they are comforted lah


probably when I got back my O level results because I thought that I had actually yes err because my school has actually set a pretty hard prelim and I actually did not do


well, so, happiest moment was when I actually, exceeded what I expected to get in my uh for my results lah and and and I was able to choose the course that I, want what about you !wow!


that was really quite an achievement, yeah definitely


!wow! for me I think I will never forget this, it was maybe in uh three years ago I went to greece , we were rushing for the, to board the plane and so we did not, buy uh data sim card


before that lah thinking that we will find uh, a shop at the landing airport, but we were not able to do so as well when we went there it was a small airport there were only a few shops and so we just okay lah ah heck it we will, just go ahead and take the bus to the central uh downtown and then uh


figure out from there and it was a group of five, ladies with big luggages like twenty eight inch that kind, so when we reach the downtown uh, city we, we again think that okay maybe it's quite near and we can walk there


without doing any research so we tried to lug our luggage and drag it along the uneven uh roadside and then just, ask any stranger that we can find and try to find out accommodation, and so it took around maybe one and a half hours with


five ladies on the road with our big luggages so it was a risk that we took lah we can we we could have been uh, abducted or, you know separated or even, not find our accommodation before sunset, but thankfully we we did lah so it is really one of the most memorable travel experiences and I will not want to


experience the same thing again we will definitely be more prepared this, ah in future lah, so uh what about you


for me probably is that I have a very calm, face as in like, peaceful face but to me, ya yes, especially when I uh uh last time I used to play sports and when I was in the court actually I'm feeling very tired but my face


just shows that, I'm not and so the the coach will not let me rest lah even though I'm panting like uh like mad and very, tired but just that my facial expression don't really show, what I'm


actually feeling so, kind of weird and the most unique, compliment that I've ever receive, what about you sorry again glow glow up oh oh okay


okay, uh, for me I think I had, have I'm quite blessed with, all the school choices that I made, so far, for throughout my uh education journey what


whichever school that I want to take ah that I want to go and the courses I want to take I will usually get what I want so I'm quite thankful for that lah in the sense that I can get to, uh, study or even practice what I want


given that some of my friends actually do not have such luxury of choices or even that they have to do something that they that they, is of their second or third choice but they have no choice no other uh alternative, so I'm thankful for that what about you


yeah very well !wah!


I think as a kid I, used to refuse to sleep, but now as an adult I feel that sleeping is a luxury , as a kid I find that uh all the time I have I just, want to play and do things that uh, I want and not rest but as an adult you find that


actually you have a lot of things to do but actually sleeping is one thing that uh actually will help to rejuvenate your body and so, I would think that this is something for me sleeping, you


probably my twenty first birthday present that will be an ipod, at that time was like maybe ten years ago ipod is really quite pricey and I'm quite touched that actually my friends uh, she chip in ah and and and


uh bought the ipod for me, for my twenty first birthday present so I'm quite thankful for ya for my that group of friends what about you


that's a lot of effort , for


me I will guess is getting into triple science class and I realised that I have no interest in science at all, actually I dislike it so much that, I just want to want nothing to do with science after that, and so I actually switched to a totally different field after secondary school


nothing to do with science and I'm, very happy that, in in my field lah what about you, okay


for me it will be chocolate I'm a I'm a chocolate fan, since young so I feel that the, uh, this thing would just cheer me up no, matter how bad I feel


so it always work for me what about you, uh probably some construction work at my, it place here ya but it's the next block, uh the door is closed but window is not


shall I okay you give me a moment


okay is it better


okay


for me probably is that I will I I care a lot about my family so to me they I will always ensure that


they will get what they will how to say sorry they will always, we will always find a a common topic to talk about whenever we had the chance like for example during family meals or we will uh I will always ask if you know like can we go out for


shopping just to bond with them so to me I feel that I always will want to spend time with them and uh, will want to uh get to know about their day how's their, work how's their study so


what I love about that is that I will try to make an effort to bond with them, yeah


!wah! !fuh! ,


so coincidental I was going to say is my mom as well, err, yeah I mean yeah from young, I can see that even though she's the sole breadwinner uh she will still do the housework and take care of us and ensure that uh we are well


fed for and uh anything that we need be in like in sports because I join sports since young so whether we we need to have some sports gear like sports shoes attire she will, still ensure that we get the the the required items even though it may be tough for her at at at that time cause we I don't come from a very well to do family so uh throughout the years I can see her struggles as well to manage both work and


and three little kids at home so to me, she's a wonder woman lah she's able to do anything and everything despite feeling very tired sleeping very little so to me she's also my hero, yeah


okay so the next one will be describe a time when you got appreciated for your hard work,


, yeah I think similarly as well for me I think okay I'm I'm more of the monetary person right so it'll it it'll be when the performance


bonus is announced and and I I see that I am getting rewarded monetarily like for example if I were to maybe compared with my peers and I realised that oh yeah my rating is higher I got I got higher bonus than my my peers so that would be


the time when I feel most appreciated for my hard work, , so the last one maybe you can describe your perfect day


, I see, I share similar thoughts as well uh


but in the context of like maybe maybe exploring a new place be it in singapore or overseas and, uh doing it with like friends or your loved ones that would be the perfect day for me as well,


oh , okay , probably will be some of the changes that we are seeing today's for example maybe, more work from home or uh more of the


work that actually can be streamline or automated rather than uh very mundane or very uh uh how to say very mundane task lah maybe some of the work processes can be streamlined such that we get to work more efficiently


so these are the things that that I feel maybe in the future we'll get to see more what about you


financial-related topic


(mmhmm) let me start asking oh cause it's starting and do you have <B>


ya eh why do you choose blue chips


ya I agree that ya and as and when immersed in shares is better to ya to immersed ya in companies there which are


and sizable and reliable I heard that there are lots of a penny stocks and west photos penny stocks and, err, eh went with this year and the price goes up with its can have a to return but also and can be quite risky


because this ya and the stocks ya there may and uh go down and the price may go down to and ah and and and because ah no value


yes ya ya


, yes by bank shares ya itself I think that's and there's order the risks ya involved, been particular nowadays that and the share price that's ya it's like ah roller coaster


uh one date with this ya the price there and can go up with the ya by a few a percentage point and then the next year and wake up and then steer and the price drop and


when reading the the newspaper once is the analysts there always ya come up with something to explain okay it's why is, ya goes up and why it come down ah then it is difficult there is too uh and uh nowadays is I I felt that is very and need and difficult to understand their the stock markets


yes and, also is there for a bank shares and a lot of people and immersed you're in the US markets and rather than the singapore market


uh and the singapore market ya and seems to be very sleepy and also to singapore markets there is following the other other auction there of and the other with their financial markets what do you think


yes uh MS there for the US markets, eh and now seems not effecting the economy


and because of the COVID and unemployment rates ya uh is high and uh lots of business ya err


, I think other that and uh what


ya


yes yes I can


I focus on the conversation so I no it's not super focus it's just ya think of what to say


can you hear me sorry ya my screen is blank


hello, ha Jie yes Jie ya can hear you can you see me


ya I'm here ya can you hear me ya uh can you hear me


uh I think just now the ya mic was and disconnected


yes uh tap on it (mmhmm)


can you see me ya (mmhmm) yes yes is running


okay okay (mmhmm)


daring I think ya just now we talk about ya the current stock markets and is or dismiss alignment with the economy and the economic there is bad and going down


actually fixed deposit and uh at this period of time of uncertainty and can be an option on the other hand I also think that there should be a diversification


there's this ya to and minimize the risk, as for fixed deposit uh now the interest rate is very low, and because ya of the low interest rate


and it also and encourage a lot of people ya to ah borrow money and to immerse year or overseas year and for overseas and to to increased which is the expenditure in order to boost see and the economy so


the returns ya for fixed deposits ya is very low you will have to aim to balance it there with some higher risk and investment tools, I think for for share ya is one option


and other than shares there are other and uh twos, as such as bonds unit trust


I think for unit trusts ya and , eh eh a lot of people ah I think ah and buy unit trusts and some banks I think banks they may have vested interests because and banks uh sell or not all your trust


ah sell only overseas ya and a certain unit trust, and they also have I maybe <B>


get their customers ah and if they want to buy unit trusts overseas to buy ya and those unit trusts yourself by the banks but those may not be the best ya unit trusts, not the best may not be which is there and in meetings the profile of the customers ya or which is the best ya uh performance


to to this there my hesitation how about you what do you think about unit trust


yes ya eh for different unit trust ya and have charged their differently some and have their charged there you in in there and price uh but some that ya and the maybe charged ya and added


yes ya


ya I think unit trusts is not like shares ah, yes uh and, sometimes ya will which is ya and take some risk that but the time that ya and uh exercise there selling uh and and a


it at in okay see I and anticipating the the price may drop and turns out that ya and the price ya may and go ya the other ways, ya okay how about risk ya and and what do you think their risk there ah how ha they say work ah risk


yes


for the risk year I I'm not sure sure and I'm because the risk ya and to me look like ya it's just is a, uh uh share is similar to the ya of the with these other shares


maybe the ya has a higher dividends and a payout than the other and mister shares , what about ya and insurance what do you think


insurance do you think that there is a type of reimbursement war is just too which is a kind of protection


yes ya I think an insurance Sian eh I I I feel that now is and a serve two different purposes and in the past insurance which is a kind of protection


like life insurance health insurance and now insurance also title ya two investments, maybe it was the case yet in the past I'm just ya not sure sure because I'm also is not an expert ya on insurance as for insurance there's a both guarantee and don guarantee returns


and for those ya in particular the long guarantee return this is are based on the performance ya of, the uh of of the the the assets that's that the insurance company or that particular to their insurance from this high to so okay just okay just just


and can be taken overseas as a typed ya of investment but normally it I think that the return of the insurance and, will not be as high as and and investing ya ensures your directly because


oh yes ya and banks ya now sells this like a supermarkets


ah crypto ya, cryptocurrency I, I I don't know ya and are about cryptocurrencies and, by ah I think and it it


hi you this is a kind of a haris ya ha return ya and uh and and investments and and poulet, and uh, we found knowing august this ya and uh uh enough enough just to resist doesn't mean that you have to be overseas and uh where knowledgeable there about this ya and thing but at least I get to know how turtle the mechanism of it


it noted okay his and to invest in its otherwise I I really have no idea okay is their and how to invest in its ya how to I know that ya I with his ya and will be able to make a return or resists


uh and or more over there are many many types of cryptocurrencies, it is not just ya ya one time ah, uh


ya


(mmhmm) , ya


where I think this is an interesting idea, uh I have not sought of using a flow both adviser, as i I I think that ya as I invest and I invest slew and agent


I rather to be able to have a conversation ya with, uh that asian eh I because investment is an investment adviser I feel that it is in some weight is providing is a kind of surface


and that need to have a human touch uh and lets it with his uh I'll want to hear oasis and how with is the re miser and think about okay or particular stop


oh and I'm about, and maybe uh the children, I'm and as formulate rowboats adviser, I don't know whether that's ya and uh kind of their adviser will be able to ya to and provide me are the same level of ya and uh I information


ah then yes


I don't see ya I don't see I don't see because I only see eye only see, yea


ya yes we're still recording yes is still there


ya is still running , ya okay ya ya


yes and I, if okay ya I can which is and ah, ah, repellence my portfolio I would want ya two and a half go


ya in it but goat now it's too late advertise is too light which is to get in is oriented artistic historic, go hide i mean in case uh I have a have a crystal ball assists a few years ago, ah


uh I should have brought yea some goal, uh, but goal is wake I've I feel that this red costly ah as a unit is one thousand eight, uh uh i


and moreover I don't know where to buy gold do you know where to buy gold any idea, bits is there for stock okay you can do with this ya and open a brokerage account and dense ya, custodian bank oh just


like and oka banner DBS the local bands or, , oh but we see this kind of bankers ya and


i i thinks is putting the surface charge are assigned, ya ya, but I think they're putting the suffered charged are fine and for gourmet sergeant and


and they and served ave to customers and they've served those highlight worth, uh and for retail ya and customers, verdict impervious surface I don't know ah but as you six communities and interesting okay his ya and can find out ah even though there is too expensive west from my point of view


ah to buy now, and as always is the the economy is always obeys his ya are cycles, and go all the way up the ya go plus, and then oasis a lafino ibis ya years later ah go to ya will drop


ah and by the time that ya he dropped written ya to buy, ya , eh have you heard of a singapore saving bonds


because his savings or but in general bonds narrow interest rates there is low, but today at there are there is yellow matter hollow it is it is still better ya than the bank and savings ya uh


err interested, and the banks the interest rates here is less than one per cent, , and yes


negative experience in your life, yup darlings ya and


, yes eh is about ya ah TV show that I watched and the


TV show is called house of loss, and I I knew about it ya from a from a friend, as when I went ya and uh and uh to beijing i ya and maths there with uh my my friends


as we talked about and we is all sorts of things ya, and this is their and one of my friends they told me that, ah he recently ya watched a TV show and that was a great one !wah! ya and in case if you want


can you hear me now darling ya, (mmhmm) just now I mentioned that ya I and came to know about there this ya and TV series ya and this from ah a friend and home


it's well be we have gatherings there when I was in beijing quite some time ago it's called ah the the the TV series ya it's called house of a house of cards, and I'm for someone #zat jie# who want to know more about you at the do s I and a is worth overseas you're watching


and this ya TV and a series, the events yet received a lot of and ah, and we are rocks and also golden roped yard onwards their nominations


ah the lead actors and daily address ya and also ya and one of the best yet artists and their bets ya at first ya was, and because of that ya so I I watch the the TV series where such ya first because his watch it and I I enjoyed it more out there and lah so this is ya and


uh I got to know something forget that the I I didn't know who his is about ya their the the US because is mainly about overseas or person ah how will the hundred ya for power


but as ya I orchard steer and longer and longer, I feel I felt really disgusting because and it shows the every data sites ya of a human characters


the people and uh and, want to secure or advanced ya their interest, and, use ogress is different sources your methods are news people manipulate their p


po and , and ya di this people lost ya and the conscience, and they given ya kill people and to achieve ya and there goes


so up to steer their part and and that's your TV series there are a number of seasons ya and after watching year four one two seasons ah ah, I I really could and continue watching


bake is ya so hard, eh don't, no don't watch it ya I is ya weary and the ugly side there are people because I feel ah if you're watching too much of this ya and few vary sad


how come that there people can be ally this a new not able to is to trust ya anybody, and I don't think that resists ya and all people oases are like those that year and a characters ya in the TV series


however I I don't feel that's there I have from a good spirit after you're watching this movie, I rather to overseas to watch something that is more abiding


ah ha, (mmhmm) ya ya


!wah! thank god yes


i for this year kind of a movie I will not watch yet in the cinema, bad it is watch it in the cinema is ya watch it as a TV or because you still you have some distraction


would not yet and the boot ye will not be fettuccine uh so much and by the movie if not it's not just only at the moment of watching the movie that feeling sad


and even after watching ya and the kind of mood and the negativity will still be lingering, and this is ya what I don't like, uh


I feel that a and sims right is being haunted, ah , may for me that's you are watching movie which is to get some entertainment ah, is


ya


ya (hmm), I, , , yes ya


, a #taiwan #movie is ya really #sian #can't stand it, uh I think ya for I've not watched august this ya and uh enough taiwan's movies yet to uh make are comment just space you're my personal experience and links for taiwan buffet if ya taiwan


not movie is a taiwan TV series ah, and if you don't watch it ya ah for a few episodes you will is a lot of things where as you said that ya !wah! is so boring if you're dragging dra on and on


ya ya okay ya, my there are many times


and uh in fact I don't want ya to invest is talk about ye this as I I don't like is ye to replay on the unhappy moments


it is ye when i replay their unhappy moments it will just overseas I will just flow on it seems like that I meditate on it, and I think when and such an incident happen and


not only me okay say I think that's their whoever resists, the person is what haven't we heard, can you hear me now , I said ya I I I don't want overseas to recall and those year and ah


ah moment, that I was hurts ya nearby other people, because it, yes uh


I i am just want always is to to share and ah that it it is not ah it is not helpful ah for me muses year two and records there and those unhappy moments


, there when I was done arthritis there to record and, the time at ya, ah or blessings in order to there to cheer myself up


ya, eh tonic ya I ain't you will have the some and uh and bakeries experience ya when you when you travel


!whoa! oh those days, periods


(hmm) my goodness


(mmhmm) , ya


uh with difficult is ya, no, and that while sliced than death


, I think ya his family members ya and must be very shock because it's supposed to be on a ya we focus is an incentive trip to see has to be here a happy moment


ah and then


, yes (mmhmm) yes uh yes ya


I think it was ya very shocking were you right, uh, it was with him ya when this year happened, (hmm) !wah!


(mmhmm) (hmm), I can't ya and emergency ya how we would be in case of ya it happens to me then quarter ya and


uh, but there are also at ya and something to somebody certain with the their people pass on, associates there with you, that one of the the the the rates there and in my professional crook


and, and, he okay is ya okay is on one day I received ya whatsapp that someone share the news, that he


passed on , and, and it's just two days ago he was still and and uh having whizzes and whatapps ya and message exchange heat he had there no symptom with ya of ah


sickness ya or ah, uh and feeling ah uncomfortable and just chris ya in just two takes time don't, uh and


then such a pets overseas sad new ya and, , uh uh, was a shared predictin experts ya this year to to happen, ya


and just like ya and my friend as I told you that day he had , a cancer as ya he went there and uh he because he the uh the the paints ye and he's a bladder


and nearby for cancer, and to him that you are also wary and ah unexpected, big surprise ya to to him, I think got will be adat and I'm now and he he he's healed but this ya and change ah I think differently about ya and


uh and his his view towards life, and more priority that and and as a person should have there when we're on the earth


we're often jets there people rethink revisit your about that their priority only when a critical ya incidents happen ah


for us I don't think that's there we have to wait overseas ye and for such, uh , fortunately ya you went and, that happens , we we breed


and defied our purpose and the swift steps you've you know oasis ya and uh uh what we are here on earth for thank god,


where do you want to talk about your your phobia,


ah ya, the skirt


(mm)


positive experience in their life


(mmhmm) yup , yes


!wow!,


!wow!, that's the old days, ya , !wow!


eh d uh do you need to have a license do you need to have a license, I in the old days yes ya, ah


ah yes yes uh uh, forget ya I I think I went there once, and bukit ya eh is it ya ya


that's at the south or for ah thailand, yes ya I, I should have been there once but just ya for very and ah short period of time I think as I went that ya maybe it just for a week


end and and because I had a business trips there in bangkok and then and uh before I and uh and returned home I just and uh and spend the weekends there in a bukit


and bukit near the the beach is very beautiful, however this is a very tourist ya this this is a very touristy yan place ah over there and most of the people that you see gizzard are touristy


ah ah and ah bukit is not ah, , yes uh uh ya


and at that time you went there alone or you went there with friends, oh !wah!, ya


, , oh so it's ya and


!wah! uh uh, and ya and its good overseas, see I told her peopled together ya two shirts and uh and the joy and the fun,


whereas for me where is ya and sorry to say ya and I preferred ya to travel alone and to backpack, ya I, I I went there too many many places what's this ya and I both argentina and a africa are the two best


ya and trips, that I have had, I, when a they are both with is ya were because it's my backpack any trip, for argentina every year and I focus it's


argentina I I set it yet as a destination because I watch a TV show is obvious is and must travel of the type of a of a TV programmes and talk about argentina


and was very beautiful ah, so I've been dreaming ye and uh and going to argentina and found me i , I I I I I I I eh


and made it and before I went to argentina I felt that ah argentina was ya a third world country, and ya and must be very backward, but too much surprised it's not obvious it's ya and backwards ya atoll and and in bruno cyrus


and I feel that when I walk together and the CBD not exactly CBD there on the mainstream their opponents are risk I felt like ya was working ya in with the george trickier of sydney, uh so you can tell with this ya how advanced ya how modern theatres inverse is not as ponnu terrorist is also gearldine or other cities ya of argentina


are there also very modern and uh also very clean or is there not backward ya at all, have you ever been to there, ya ya ya


ya, (mmhmm) but i think wanted ya we should go to ya tome and argentina ah bring you there and show you are one, , why


why, ya because they're going there and it at that time ah I it took me are more almost ya thirty six, hours and and to travels to uh


beginner and of course they are backpacking and because this item which is the cheapest solo ya to go to there but her japan because is a, which place that they want to go to in japan even japan's ya I went there only once twice


let me think, kyoto why why kyoto, !wow!


, uh have you been to there before, have you been to there, ya uh and


, aber hokaido ya can also have seafood and ya and ah,


yes ya very fresh ya , eh we should plan ah ya for one trip there to go to japan ah and I thought about ya and going to japan okay is I always put it ya the last ya of my


uh uh and uh last countries to go here and for traveling with and uh is which is so easy to go and are not too difficult to get around and I'll go there only eh when I retired


, now i ning ya is ya time for me to go there ah (hmm), I think you have two go ya but had to be after the COVID and now and can go ah now we can only travel ya within singapore


ah, ya uh, for hongkong yes ya, ah but hong kong jets there you know better than I do


uh so ya you, ah and ah, when ya to different places ya hongkong while I were working, ya ya food ya ya I like the the #cha chan teng#


ah then you can practice ah, [e] we can go there go there more often but of course there after the COVID ah now can go no where


ya but if it's yes, , yes y to to china I think china, ah


ah there are many many cities uh we can, ah travel too and were too, and go to the second tier cities, find the ya and


eh inhaled Weuhan ya is ah also very developed and uh i think is ya in, ya


((m) yes (mmhmm) okay ya , were Sichuan eh #sichuan#is


oh Xian eh #xian #ya is the warriors ya, yes ah !aiya! i went, there once but i think ya and with his, I went there once okay is just as a business trip to ya when there with his just for one day two rush i eh she speem more and more time but you kiss if ya we and go to china


and uh I we have to set aside more time to travel to different and cities, and also is not to go to, brush as well uh and, uh i think for each of the city if we are able to with his spent a couple of days uh ha i think free and easy be able to china now and the so the china cities are so connected we can just and buy the high spirits ya and


train ah ticket ah, and there's and the frequencies is also the the and is where highest votes there they have, ya ya


ah ya we we can plant august this ya to go to from a to hongkong and then from hong kong then there we take the and ah high speed rail ya to #guangzhou #and then from Guangzhou


that's ya to the other and cities, uh, it's there we can take ya the trains and ah to Shanghai as well from Guangzhou


where that is very very comfortable , ya, ah


and also is ah and I don't have overseas to overseas and check in an hour before departure the airport is so far which ya from, ah, from from from the city centre


ya, , and asia developed ya very fast


we're not like ya in europe europe ya and ten years twenty years ya still look the same whereas ya for asia and it change what is, ya and I eh fit I I feel effie effie moments that year and


uh asia is changing , as I remem ya as a remembers as ya for bangkok ah and I went there to the office the there was an empty land with their next ya to our office


and after a couple of months and I went ya to woodsville and bangkok office ya again, what's year and there wasn't new and, moden shopping a low level because is like the european yes style oases tie of ah and shopping mall was built are an obvious ya with a lost of


beatrice message is just a couple of months my goodness ya and an empty a piece ya of empty land overseas has transformed, uh, two for asia in case of ya and be don't go there ah will miss overseas and uh how how to how to say it is


oh !woo!, will be two at once ah eh want to experience something is there of its original there were all gone, ah


ya what do you remember about the trip,


ya , , ya ah that's ya what,


ah entered durian pouffe is ready the highlights ya of the trip, ah and we didn't plan for it and we just walk past ya in the hotel, uh then we notice ah ya they have this uh durian buffet


ah and the press ya was so reasonable, , ah, ah ya but the hotels itself was it was away nice ah


yes ya i think there was the first time that I really have a durian ya for every dishes ah the appetizer main dish dessert


ah, yes ya all the dishes ya ah there was durian ya in all dishes, yes ya


not only advertisers so this is why it is so memorable to me, we're since ya singapore and durian puree and ah durian overseas ya only as a fruit ah or as a dessert ah but north ya in every dishes whereas there for their particular experience is


really amazing , i seems right ya that time we went also there during the long season, uh and uh we went there too and checks there and uh the price of the other hotels ya while we were there


and the price there also reasonable right at that time I remember that ya for one property may be four star hotel or ya or five star anther yes !wah!, the uh


it is really the world for money and I also went there you want that ya to watch football it was it ya and, uh,


(mmhmm), yes I think that was a final game or semi final cause it


ah and there were some ya, uh which date, uh yes I every members there there were and ah german tourists ah and there's


!wah! they cheers ya so lower ya so we're happy, ah legit ya was really ya amazing trip ah I love the threats there about, ah


ah this is you are going to this and a southeast asia countries ya also tears way enjoyable, ah which one width,


yes ya , , yes, so that's ya why I say ya and for the asian country ya way be you have to go because if no tents there we will not seat we will see a different ya and cities


(hmm) , but if we go to myanmar attitude your vehicle to a different city rather than, going to #yum goong# uh we which explore and a different place yes ya I'm there are too many cities there are too many places it's ya I want to go ah we have two and come up with a list


uh, indian and a I we have to take precautions ah, eh yes ya


(mm)


financial related topic


regis the some shares


a mostly a blue chips shares singapore partnership shares, blue chips is a, the means they are very well capitalized they are


song company with their good financial,


ya but also heard it, penny stocks ah, when the stock price ah, claim the, you chances of making a big


ah probit is where high, so sometime if if you have price search are based on some, acquisition or merger ya, , so a good chance to bring money i i think blue chips


ya because I'm, very risk averse like, and basically more safety purse ah, end of ah, you know thinking so mostly I buy blue chip uses long save


not really stay !huh!


, ya ya it's very rescue


(ppc)


ya ya is always reacting to the years mah


also the US markets some time is a react, things to do their president ah tweeting, you say something or, attacked china in the


trade war then the market will drop, because their there analysts will send some, tension and that caused the market to respond negatively, okay okay okay i go and check


okay I'm back I'm back i can hear fine


(mmhmm)


oh <P2>sharon</P2> less noise, because recording thank you


tap already, ya


yes,


do you have a, better idea to invest I I like fixed deposit,


ya head per unit trust, uh, but you're not very, comfortable you don't like unit trusts why why is it


i pro, , where I don't label unit trust is the, this bank sales charge is very high


one time I bought and the ah sales charge as a few percent ah,


the other the other thing i don't like is that, you seems to be operating in the in apply where do you want to buy, ya, you don't know the price you just have to indicate, you are bluish relationship manager they want to buy in theory wouldn't give you the price two days later


you would want to sell is also as two days later so, it's very risky ugly, because it's not real time,


oh rates ya they have a little bit rates, ah quick a quick, the unit trust right real estate you need a real real, aesthetic investment cad so


ya good is good is about reach is you can get some, ah capital gain, and also from ah dividends people if it's because of dividends, ya we going to lock counter but now is okay ya


for my understanding insurance is to me is always a as a, as a protection ah death insurance health insurance, ah, but I also heard don't banks are switching the cellular insurance lah


what do you think about insurance eh no knowledge no much knowledge and israel


oh but insurance is also going through the bank


so again they will bank will have vested interest in the table, this is the same charged as well, I was thinking I heard, i heard there a lot of, I heard no


many people are going to crypto currency what do you think about crypto currencies some people a lot of money, some get burn a lot what do you think


you have so sadian, since ah we are both while not soap converse investing what's your thinking about robo investor, robo adviser, I thinks you because secondary investment some time is


it's basically depends on how we analyse the market, how you also, process the information that will govern, determine how you invest your money when you buy when you sell


so maybe a robot is a good ah, ah, they using a logarithm, logarithm, so what do you what is your view on using a robot to buy and sell for us


no no no


ya just now you, I don't see you at all, now my screen is showing this is okay


yes, the timer, timer, is this is this correct ah, ya


ah dear what do you think about gold recently, I see that the gold is going to do all time record,