I think like that then ya so I remember being damn scared then we went up right uh we drank ah and we smoke K


then we were on, when we were on uh top of the the, the hill right you is like a swimming pool, then you look at the, the whole like the sea view, of the whole ya like you can see the entire sea


damn nice then you can like just, relax there on like a lounge chair and it's like really the, , ya like it's damn Shiok ah then I remember like they also sell the, uh like, oreo err


milkshake, and it's damn good like they they they take like milk and like, I think milk and ice cream lah, but they put one entire roll of like oreo they actually use oreo


ya then they then they blend, !wah! that is it was like it's damn good and it was it's not even cheap it's like, six or seven dollars lah, but it's damn good, nice lah ya then you like


just chilling there but then everyone is like white, around you so you feel a bit like weird ah but you just like chilling ah, then uh the the most scary thing right, is that we have to go down, on the scooter


while we were can you turn on your phone ah, we have to go down we've to go down when we were high and we were drunk okay so


that's it was it was really damn dangerous lah, which is like coincidentally all the stories right it's like got scooter related one, ya


so eh one more thing is like we went to uh went to buy food, uh uh at night, after we drink and stuff already, then I remember it was raining then I don't know why right we thought it was a good idea to like


I think cause we just swim, so we just swim ya at some beach, then we went into our like, resort uh villa lah, then we like oh shit we need to buy food cause the best thing about uh I think about overseas lah especially in asia ah the seven eleven is damn good


for thai for thailand right the the sandwiches right is like !wah! damn Shiok like got like, ah ya, ya ah ya ya ya ya ya then they help you make also, then I remember !wah! I did I I just like buy like, ten plus


or like fifteen sandwiches for like four of us, ya ya is is really damn good then they like help you heat up all, then I remember we we went to go there like we were planning to go there, then it was raining then it was like two AM in the morning


then, we uh, we just swam so we we just decided right is it was a good idea right


to go shirtless in the rain, to seven eleven, at two AM on a scooter, then when we when we like we thought like no no big deal lah just rain only mah, cause we were when we were swimming it rained, then we just like Lepak in the rain


but then when you sat on the you sit on the scooter right, in the rain right, is super, cold is damn painful also, it's like, it'd be like hitting your like nipples then like


is damn cold, then like you need control yourself also, like on the road then you cannot see shit cause it was a, , it's like in the in the night, ya so, then we go to the when we went to seven eleven then we got like


uh like got like white people there then like, uh we just like very awkward, half naked, then like damn wet, then like then they were like eh are you okay man then I was just like oh ya man then like


then they thought we like we were gay or something cause like we together then we like half naked I also don't know lah, but it was damn funny, ya okay lah you you you you can go ahead tell like


(uh huh) this one your poly friends right


(mmhmm) ya they're pretty they, probably damn nice ah confirm damn nice


line right is it line


through instagram or like in person


how much is that


(uh huh) but I thought the umbrella transparent


oh my gosh


uh not recording


okay currently products


uh uh I've now


uh for me I don't have I only have a uh what that one ah robot robot robo advisor, uh under stash stashaway


how how you find the fullerton market uh


like you have buy uh, eh that time you say you have deposit right


currently my CPF I don't I don't think have any investment lah only insurance


forex ever try lah but never play in real life lah we just play dummy dummy trade only commodity also same lah


ya for you lah for me I only have uh stashaway that one is a robo advisor lah that one all all automatic lah no need to do anything


that one told you already what that one is uh using stashaway ah, just just put the money then park there lah then after that let the thing run lah, but so far I always every two three months I just see the money never go up


very little lah because I put in so little so come out little lah, minimum no minimum what you can put four dollar five dollar ten dollar


you just take put lah then after that they will invest for you lah they invest you in they divide ya what's your risk if your risk thirty percent forty percent then they will divide some into the ETF some into mostly on uh


bond uh mostly on bond government bond


besides bitcoin bitcoin no lah that one need a lot of money so I don't think uh


uh okay okay okay that one that one already how many years ago already


that one is a guaranteed return but take a longer time to get the return lah that one also you need to have a lot of uh initial return ya you need capital lah


so far don't have that capital to win


so far we I tried to learn about trading but uh I still doesn't get it leh I I know a bit the high and low the the marking all that but to play save or to get profit I cannot cannot get the the amount that I want


so currently so I just, uh follow using the robo advisor at the trend nowadays ah, so the trend nowadays for robo advisor is quite good ah, and I've been doing this uh stashaway


uh app for about a year so, but the thing is I never actually see the output I mean the return so much because every time I always take out


uh faster lah, but if you in the if you put it steadily then the will come out lah


oh my side we always they have always give a risk profile lah risk appetite profile so my one always come out to uh medium range means I only sixty percent will go to the safe safe trading then only four


thirty percent or sixty percent, uh sixty percent safe trading twenty percent go to, uh uh, go to the trading to where you buy an


buy assets ah stock share, ah then other twenty per cent is they will put inside my cash saving so that's how my the uh the risk they they take lah is called medium medium trade medium investor lah they call it


ya your you have more you have more, experience lah so for me is I pay more to uh to have auto auto strategy ah means they will do it for me so you no need no need to have any input so we don't need


so like you say the fullerton market right [kan] uh I tried to learn from there the learning but, still in the learning stage lah still don't because there's a lot of people as you saying from the YouTube all their strategies being the strategy


fabricate uh cause there's a lot of uh input so must find out which is good or high lah


ya the that one also it means the strategy lah whether whether to buy high or buy low when to buy


as I said it's also follow people lah


ya ya yes but then also you must what's you what you must check ah because like like stashaway strategy is every month they will gives, a report say uh we need to re-balance your stock option or your profile because of the market how the market it ah every every quarterly or every depending on the like now COVID nineteen right they more they change their strategy more to


more to bonds more to government bond a security bond they call it security bonds ah, and to stop and uh got option so that you have you have more more saving and more guaranteed in the near future


but then the market will be but then it will be have a slow return lah because your money is really in the bond mah in the bond market mah in the


trading investing is not like gambling ah is more is is more on you doing your homework if I say so lah if you ya if you do your homework you do your homework you know the trend then it's more to


uh more on calculate calculation ah more on your maths calculation, it's not it's not say uh depend on your luck lah


luck is depend on the market only lah market is low then low lah market high high but still even you, even at at low market also is still can can make a profit it's just know when when you need to come out only like you say just now you lock the the how much amount that you


you need to you need only to, uh go down right I mean


so if you get one million dollar how you will invest the money, for your investment


eh the most recent performance stock market is gold lah, gold was uh high then COVID nineteen went down then now suddenly is went up again so it's now going up uh but


still need to wait for another three month six month to see how the outcome lah if you put in ah then the other best, the other best would be uh real real estate investment trust ah REIT, it also depend on uh which which which REIT you went to ah if for logistics I think should be okay lah


like capital uh mapletree, ah eh shopping centre shopping centre I don't think the property is going lah ah now the retail market very bad


for student with little capital right eh this is the time for them to join the market ah join the and then the


the trading ah because you can earn a lot just like warren buffet say ah uh, people at the low end where people run that's where you come in and buy


positive experience part two, ah for student right now is the time for them to uh join those with a little money because like stashaway right you can put in as little as one dollar to start


ah that one you can learn uh if you want to join other option then other app you also can try ah bitcoin also is bitcoin is also another market to go lah for the


ya but there was another way lah that one is either you do mining ah but then your computer will be very hot and your mine your computer need to be twenty four hours on, to mine the bitcoin but must no, once you've mine must know to who to sell and who want to buy your bitcoin


ah, like for me ya lah need the financial advisors to start with ah then after that once you know there was stuff then you can if you were confident enough then you can go on your own lah if if still fail then you can you go back to the financial advisor to find your mentor again


it's another way for you to make money instead of putting your money in into the bank lah for me what's that interest me, but you also must must afford to take to stomach the risk of losing all your money but in the in the end if you uh good then you you can pay back your money times


one or double or triple depending on your appetite lah


(ppc) you watch goosebumps, uh this one is in the news about the, uh


the murder the maid murder the lawyer ah that one give me goosebumps ah the one the the employees is quite old already ya


what age you were really upset to


all issue also the same nothing to be upset about


ya you know post COVID world what are some of worries that you face uh this one, is uh job that one is job whether you can still have the job and you can see uh ya job and whether they will still need you or not you have to worry lah


it's uh not much lah


elaine when you disgust you you only have the first time only then after that you see a few times already you become, okay already become normal like people in in a M MRT, uh uh always spit ah


you take MRT or the bus they go and spit on the floor or what ah one time you feel disgust ah after that you feel ah okay lah two three time become normal already


always feel racial is an issue ah but again means everybody in the world also have different people have different racial issue so they need to get over it lah they need to acknowledge even some even they acknowledge also they still


have lah but you need to become more open about it


but in uh in the country wise is whether we have enough food for everyone ah, because when we really feel the first now is okay lah because we still got the the stock coming in already but at least this is a warning that we need to


our own ya bear our own for all that the


what frustrates you, what the worst thing you have witnessed and kept quiet about


actually there's no scene ah all I see, cartoon action or comedy whatever there's no scene where actually there's where make me angry too angry to watch I I'm cannot recall any scene at all


if it's an opportunity where ah this one is recently when I was alone at work uh then the machine kept on breaking out and I try to start another machine still cannot until my colleague come that one is everything went wrong


from the start, ah that one is everything go wrong people ya, sorry, wait lah wait I start stop start stop lah until until tried tried until all cannot then after that until my colleague come my senior lah come then he closed up everything and the


phobia my phobia is I think my phobia is, I like don't have phobia


grand hike is because of the last time when climbing then without any PPE then after that come down after that because of the weather in open area because of the rain and thunder, so that one is overcome lah very easy lah then after that you try back again


the saddest scene is a movie


have you gone through any loss in your life if you have describe the upon time how you deal with the loss


actually this loss I've lost uh lost of friends ah starting from primary school


so from then classmate from then you learn how to cover your losses cover your emotion


the first loss was very sad because you because you're quite young you're at primary six so there's a lot of emotion involve, and there's no at that point of time there's no people like counsellor to counsel you or to come and give you a talk or help you need to


cover yourself, so everything all done through experience so problem get lost you you know that you have lost that person you cannot love that person too much so you always tried to cut off


so the point so only you only have a limit, limited uh touch, or limited relationship so when there's any loss you won't feel so much again ah that's what I learn in my primary six and I'll never keep


any relationship very heavy, keep you turning so that you have lost emotion control at that point


ya


everything cannot be changed so no matter what you have to take life goes on so just follow through lah you already you already done whatever you done so there's nothing to be worried about lah


you really get it over with so let it be, saddest scene you ever witnessed ah


sad scene ever witnessed, I think this one in secondary school lah where the people and the people who is put in uh in sports


uh, nobody help all come and just poke around you also cannot help because you don't know how what to do, ah that is the sad part so


until the teacher come then to give the first aid and call the ambulance lah that's the


pragmatic ah welcome everything all go inside so


describe the moment you felt that unfairly


uh this one is when at work uh when you give ideas but you are not uh but your ideas are not acknowledge but when another colleague presented the idea which is your idea but they were acknowledged


so that is the moment that you were being treated unfairly lah , but that's but that's goes life lah that means everything is just stick at it is lah you can do what you can what what you do


we all dreams will pass we're we're tiny little ya because you will know that nothing much can be done so so dreams always become dreams uh


oh part two positive effect, okay ah


uh, you go travel a lot right you go so what leave you in, uh, make you feel something like very feel very great


cruise is one of the ya lah go inside the ship then do nothing only sight the sea only lah, sea sight sight sea ah


and go back to your and go back to your room then you feel one person then after that you can think, all the things that you you've done in your life lah I think the cruise is one of it lah


enjoy the Makan lah enjoy the Makan


when you help others uh


uh describe what to make you !huh!


no never I don't have any secret ability


all the same lah their ability is homework, nothing to be proud of lah


nothing to be proud of ah as I said ya, favourite activity to unwind and relax uh, watch movie watch anime


describe a time when you ah this one really I will listen to people ya listen to


no best surprise, all the same going global as if it will makes you optimistic about the future


because of the pandemic right because of the pandemic COVID nineteen uh the, all the countries are getting together to work out, solution instead of trying to make a


trying to fight against each other so that's why I want to think about the future everybody going to one direction to one goal, to the new normal but use a lot of future inside


uh so investor, was it just you


positive feeling is when you can talk to your children with anything lah or open open conversation lah


no lah no argument no I not say argument lah what what ah non-judgemental and just be open and just say whatever you want to say actually they they also say whatever they have to say


uh miss you what miss you is the co-worker at work ah, even they are work even they are, they still they still want to work overtime which I don't actually at my age I don't think I like to work overtime anymore but still need to because of work because of work could be uh


describe the moment you felt the luckiest the luckiest is now lah I got job when other around me all don't have job anymore


so I feel one of the lucky person at the moment


describe uh being, that time was when I see uh people who who the a long way to help each other uh like my manager helping the


my colleague to go and meet the family, was it so, he give them uh time off and uh until all are settled then you come back and anytime we all cover for them


so because usually work relationship is people work the job is important but sometime is you need to have a deeper connection, then you are become more loyal to the company and to your boss


describe a time when you make a come back and shut them out ah this one actually come up when it's come for work related law ah so always will so that to be safe everybody so always we will


you want then you can do your work lah but I will be there to witness ah that one will shut everyone out


no no this one is to uh for safety reason then you need to some time to put your step on it so that everybody have a positive experience during working


so they cannot be said become a yes boss only they need to actually find them find a way actually to tell them eh this is, how's supposed to be done ah there's no shortcut if you want shortcut then the workplace nobody will fund in to cover for your accident


what's your best surprise ah, best surprise was a few years ago when I joined the car rental company when during the #hari raya# they give me one week


no lah previous oh plus car to bring your family out #jalan jalan#, and hamper ya and hamper, so that one is best surprise uh because usually car rental you don't have time to


uh, to you your family because twenty four hours you need it to be standby for any car ya any accident or any car damage need to declare and then after that need to give new new car to the customer


I think that one is the when I joined from technical line


then after after that suddenly joined to retail then from retail after take course after take course then we can join uh join a retail company


and move upwards very fast within two years three years ah so it's the reward lah


what makes you persevere in the retail line the the, pay is low but you still persist because of you like the job you love the job and because of the encouragement you get from your colleagues your peers and your superiors ah mostly that lah I think I I more enjoy the


this one thankful is the the colleagues lah to your friends your colleagues who understand your work condition because of the because of this COVID nine because of this COVID nineteen like you need to work permanent afternoon then everybody need to understand


your work I think they need to change, so everybody is uh because of this COVID everybody is more accommodating more understanding towards each other


so that they they know that uh it's uh still a long way to go


what are the things you look forward to when the pandemic are


after this one when everything normal I think see movie lah always see movie at home but once in a while need to see movie in a cinema ah that one one of the thing


personal growth is when when I in retail then after that they, send me for courses more on human touch connecting with people ah, instead of technical line where I learn more about machine this one I learn about


human about more about how you talk to people and how to talk to customer, ya that's that's a personal transform


what the best meal you ever had best meal ever had


that one not the best lah don't kind of surprise me


stop


sharing uh experience of any of the following investment product share bond unit trust exchange trade fund ETF real estate investment trust and relate


real estate don't have exchange rate, fund unit trust is fullerton


up and down lah depend on the because not stable now because COVID nineteen so most of the stock going down so not stable, uh, uh real estate trust fund no


product share unit trust


fixed deposit different this one fixed deposit is not under investment product not under share bond, unit trust unit trust is under C using the CPF, the using CPF ya you buy within the CPF you uh


CPF specials, special account, you have under unit trust also okay


and we go next one share uh your experience in any of the following finance product option futures commodity and forex, no we forex we never play finance product commodity


okay so, , next do you had use the robo advisor to uh to invest


how little is little truce what is the what is the minimum


then you just don't go


crypto currency no, coinsbit no we not investing that do you do you invest in CPF money yes


we do invest in CPF money just special account CPF CPF investment, ya but don't know how never grow anything not moving also


uh have lah not so much uh what, are your thought in the singapore saving bond


for fullerton you can just mark it at which level you want you means if you've got about one thousand you want until level of two hundred then you have to mark it until two hundred so


they will invest when they go up and down then you will lose you will lose won't lose until all you lose you are still balance the two hundred dollar there


there is a classes that can be attend so when you attend the classes then you can learn more about the trading how you to invest and then how how you can join the the


the trading and then which are the best you can just uh alert which the best trading uh always you, can guess a bit then you can, buy the which the which is going always stable then you just buy it lah


ya when to buy when when you, love the game


see the fundamental of the skill, then what do you think, okay what do you think of the automatic of your investment and investment precisely


automatic investment is one thing good lah when you put in then you no need to adjust is already auto you just need to you just need, to set up the amount and how much you need to


ah stop at right because you do the robot what


but bond is good lah once you in the bonds right now now is all COVID nineteen all go down but when comes going up right all will going stable up already so you you your bond will be in a safe lah, fund thing


now you can buy at the low price because COVID nineteen everything the stock going down so later when the stock going up right when everything all stable then they will go up then you will earn from there lah


ya because we got no time to just stand there and wait for the, the market up or down so then we just lock it lah so you know you know not worth too worried until the one we drop until two hundred then you just stop it up


so do you think, you don't invest all lah you just put one million dollars in the in your account but then you just invest about


one thousand so you just buy one thousand for like for example you want to buy , ah go trader so you just buy go trader for one thousand the rest of nine nine thousand you just keep aside so you play with the one thousand one thousand lah so in the one thousand if you also worried for the one thousand you just lock it again you lock it under uh


uh a a certain like two hundred or three hundred so that when it go drop down so she will only drop all the way but you won't drop all the way down to zero you only dropped until two hundred so you still earn the you still have the


uh around nine thousand two hundred in your handbag instead of you lost your eight hundred but the rest of that you still, do you think the events where option are worth


ah , we're looking for a new cash strapped invested, ya last time I did try uh


uh catering investing, but because of COVID nineteen all the catering all drop shut down everything then not making at all , so it drop so we'll look try to look for another investor


to invest, adopt


all dropped down you know there's the now all, doing online business okay then what apps, what product are investing a highly risk product like option investing in a high high risk product


no not in our option CBD cause discuss perform most , recent recent market very poor all dropped so far


ya this time to buy this time you are where all the drop ETF unit unit trust dropped everything all drop you can buy the stock market


but big big, coin is you need to buy the coin then when you invest you then you need to buy the coin to to invest in if there is, you know buy the bitcoin you know like in the same ah


website you need to buy the bitcoin the other the other company then you sell to this


okay , how to recommend the student should I invest


should I invest with finance investor or should I invest my own okay finance investor is there you can uh, invest with them at least there is someone to advise you uh help you out when you need somebody to help on


when you are very confident you know how to invest then you can invest on your own then you then you need then you need a lot of experience you need to learn , once you learn the trading then is will be very easy for you so you have you don't need a finance investor you can do your own


ya correct what your what, does investing mean to you investing mean is some sort like business where we run so when we run a business there is high risk low risk sometime we can become bankruptcy so this is one of the you know


investing is some sort the same like running a business


ya uh okay mark


describe the time where you feel that you have, committed something gravely wrong and there is no way you can get back up or start over


describe a time where you feel that you have been committing something gravely wrong and there is no way you can get back up and start all over


something you need to grave all over is the past life


decide if you can let me, describe event that made you very angry they instead the event that I very made me very angry because when you come to interview they only caliber they only


take chinese instead of other races neighbours said can you speak chinese can you speak mandarin or either they say your age wise, are over what disgusts you


what is an issue that you feel upset over because you feel that the world will need to, be more about it the world need to do more about it


what is the issue that you feel sad over because if the world need to do more


in the post of COVID world what are the what are some of the worried and, and status that you face, the, the worried is jobless the worried is


uh when you go out, when you get these nurse but then that one worried because they also work for COVID oh


ya !huh!


financial , in case anything financial uh then worried describe a time when you hurt someone feeling describe a time when you hurt someone feeling


the time when you hurt someone feeling you will feel the pain you will also feel the down when you act you will feel something when you come back and then you will feel some what have you done why that all the question will been asked


asking why why why what frustrated you what frustrated you is, when you really can't get something that you really want, to be you you see so you can get and you feel very frustrated you very down you very lost and then you have no hope


what is the worst thing that you witness and keep quiet about uh the witness, is when you see some your family members lah do something that you cannot speak up you cannot do anything you just have to keep quiet [loh] cause when you talk won't be happy


they won't accept it, so you just keep quiet recall a, scene from a movie that made you too angry to watch, you like to see movie mah say lah recent


screen or movie that made you too angry to watch


describe the time when you are unable to help someone in need, uh the time when we were unable to help someone in need is when my mum pass away when really you need to have


to be attend lah then nobody know to attend, what is the greatest fear


the greatest fear is lost my family [loh] that I love


what series of unfortunate event describe a time when everything that could possible go wrong or did go wrong, do you have phobia and how to outcome them (hmm)


the phobia is always I get bad news


the phobia is when receive phone calls only phone calls worried that I get always bad news bad news bad news how to come over them is


, pray [loh]


do you and felt, trapped and helpless helpless, mean you felt describe a time when you feel trapped and helpless


that when you really in need someone help or someone be there and then you know nobody be there for you or then you feel been trapped that you cannot go anywhere to help ask for help


what is the ah what are the some of the hurtful word that someone say that, you wish to forget


I hate you I don't love you, describe the sadness thing you ever witness


, the sadness scene that you ever witnessed, if someone


sadness screen , describe times when you feel that nothing, you do, is good enough ya when you feel down that nobody appreciate what you have done and what have you do so you feel you are not good enough


describe time where you feel that nobody cares about you ya when you really in need then nobody then you feel lonely and then you feel, ah, nobody care for you nobody be there for you [loh] what do you


often worried about often worry about my children a husband, whether they are safe out there , safe at work safe on the err on the road


uh what is the greatest fear, what is the greatest fear


greatest fear


finish no more


eh


there is thing that is


there is one thing you wished you could change but will never be able to, but can be better


CPR


what make you stress the world environment


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


what is the biggest thing, hold you back from your goal, the biggest thing that hold me back from my


goal my family my children my husband so I cannot goal no goal there is a african proverb that worth the child who who is not under by the village, will burn down to a feeling that warm and being in time that your life were


I have come closer and start eh discuss with this child then out the meeting your expectation


a child who are by the village were burned down to, feeling on as, been time for life when you have come closer to start


what to describe, what was the sadness moment of your life


what else was the sadness moment of your life the sadness moment of my life I lost my two beloved parent and now I have nobody to shoulder with or to talk to or share my problem


is there (ppc) is there one thing you wish you could change but will never be able to


come out already ah just to uh


nothing


what is


what is the most embarrassing moment the most embarrassing moment when we walk together in, the night market so when we see the things then when we were walking we're talking and then we hold another person hand instead uh [loh] most embarrassing moment lah


so, describe a moment when you feel that you were fully treated unfriendly uh unfairly okay that one you said already when your colleague


and dream what dream of you, die a little which each pass by day passing day, what dream


okay Mang


describe a travel experience that left you in a


great in the experience, gold coast lah ,


, ya then wake up Mak then uh, I then go to eat buffet eat all the time eat eat eat eat eat non stop thing


then uh, walking around play game


enjoy what see the see the movie see the, uh casino, uh


uh , what was the biggest reward you have received after doing awesome good deed


, that reward is when you see somebody happy you will feel very very happy, describe the experience where fate of mankind and reward okay mankind reward


ya is what just now say lah you will see someone with a smile happy what you have done to the person you will feel, very happy okay what lead you to experience


no lah describe the moment when you feel the


the moment I feel the luckiest when you feel somebody love you care for you be there for you


what does the proudest moment of your life


the proudest moment in your life what is the proud moment of your life, the proud moment of my life is to be a mother of the two kid


, what made you want to be alive


what made me to be alive is to have uh because of my kids and my husband that make me be alive and to be what I now and


give them a lot of support and be there what is a skill ability that you are secretly proud of have the skill ability that I have, is as, be proud I have the skill is I


have a, a soft hearted which I can help, and I like to help people around, uh take care of them, so you what what is your skill ability that you are secretly proud of having


you don't have any skill or ability that you are secretly proud of having


that is also ability mah you should


proud of because you get something uh, and you'll be somebody lah


should be proud of lah nothing's everything is been


ya that one your favourite cartoon okay this


this one when you make come back and shut what, is your best surprise


no big surprise your birthday also not surprise everything not surprise


blur


ya


[orh] [orh]


what make you optimist ah


okay among us


ya now market job market is going down


what is


it's not like that is some sort like family bonding so your work will be family bond, one more


that is uh good attitude okay not stupid


no compensation, okay


describe a time when you laugh too hard, the time we laugh too hard is when, we do the delivery of the pamphlet


we enjoy laughing all the way until we, drop all the the pamphlet on the ground


describe a time you took the risk and uh reward with success


describe a time you took, you took a risk and was reward with success


atmosphere because you are more to customer service CSO


but it's not your line lah , in the past COVID world who and what are the newly thankful for that passion towards


who and what are are you newly thankful for a push toward us towards, no


share the funniest inside joke that you and your group of friends still laughing the these day


no joke joke with the computer only every time see computer how to joke with the computer , uh group of friend now there's no group of friend only two three of us working


one maybe one day one person , so nothing to laugh laugh ah what alone, somebody past , unless uh pass by, it's uh either client coming pass by then there you someone


you to attend to then you will be, has someone to talk to describe the


fond memory and share with your loved one describe the fond memory of sharing to your loved one


cinema cinema is already on can see movie already, but now the latest one you can drive through use your car and drive through to see movie,


talk about time experience of the personal goal, where are the thing that you most look forward to when the paramedics resist okay we'll talk about the time you experience difficult describe a time when you were helping my son


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


when you really in need then someone come and help you how this one


the best meal they ever had is at, thailand, remember the Prata banana or what, crispy crispy crispy crisp


the best surprise


negative uh experience


tripped uh trapped, I don't know like I I I I don't , as in there are times where I felt like eh it's the end but it actually leads to something else


which is I believe like, okay like let me just share lah it's very trivial but like when I was in uh secondary school I told myself oh I'll be cream of the crop I'll do triple science and boom I didn't get get into the their first class, like the first class of triple science then I was offered POA instead


I was like !nah! POA then okay lah whatever lah do I have a choice, then uh when when I went to uni uh JC they were like we don't want to offer you three uh that uh three H two sciences, you must do a H two econs subject econs ah !nah! like it and it was


difficult like I had to master a topic in a matter of like one point five years and I have to write the A levels, which is the one of the most demanding exams, so it was like very much it was a very difficult thing for me lah so ya then but then


uh, I grew a lot of interest in the financial markets and, luckily like my background in uh accounting and economics is actually helping me a lot now, if not for them I think I I I ya I won't be


it wouldn't be as is easy as it is lah because, these eventually turned out to be more useful than that biology or that, other science that I could have I would have done, what about you


oh oh ya okay, of course


ya ya yes ask a lot to get to that, ya you need to walk your path


(mmhmm), that's that's not bad,


(mmhmm) (mmhmm), ah ya I get that, true


ya ya of course


ya true


uh all right A levels has a lot of of these things man like, you need to get these grade point if you need to you need to do this you need to let, get this much uh points to get into university and then, it's going to be a mad race and then you have all your seniors scaring the shit out of you but


I I I honestly I I so, you know it was also overrated to begin with, and then so is the A levels, ya so, eventually it it it keep it comes on to my question lah like what I wanted to ask you


what do you do to overcome those failures like so so what's that what's the model what's that process, yes


, , okay


correct, ya, of course of course


correct


ya it's it's, all these are on a hindsight, correct yes, correct correct correct of course


backfire correct, , yup ya


true, a reality check


yes yes, too, correct correct true, ya


ya talking about gratefulness, ya it's damn important lah honestly if if if one just is grateful if you will realise that no no failure he he experiencing ah he's big now, eventually like what I believe lah it will play up very beautifully in the end it'll be a memorable story


ya so uh, uh I wanted to ask you, your opinion on this statement, uh failures make you and victories break you, what your views


so is a failure a negative experience


correct yup yup


!fuh!


is there one thing you wish you could change, but will never be able to


of course, (mmhmm) (mmhmm), yup true


ya, of course of course


(mmhmm) to recover, because of


so ya


of course of course, of course of course I, of course yes yes yes true, oh ya my life has been quite seamless lah so there's not much of a fiction I wouldn't say I argued with people or


and think along those lines but I I personally feel that there are friends that uh, whom will just come and go, and you definitely want to retain them, ya you don't have to go so far lah I think secondary school, uh that the that when, with time that people around you tend to change uh but I believe it's


because you have to prioritise things lah everything takes time and effort so does a relationship, so it's uh uh like I don't want to do this but it's an investment lah, ya you must know when to say I'm not going to get to this I I I think it's about time I can't do this


ya so at but but then on the other hand you also have to realise it's it's not something that that needs requires so much a logical reasoning and perception it's more of something like uh where you where you have to, uh think like the uh that it's a feeling and and that that kind that kind of thing so


ya to the expect you have to embrace it undeniably, ya that that's the that's the that's my take on, the relationships lah , what do you often worry about


ya,


!wow!, ya


of course of course ya,


supposed to share lah ya


of course of course yes yes we need to, uh finding the balance lah ya


correct, correct that's the most important thing lah I think like it'll be a very good point to summarise this whole thing about negative experience


I I think it's it's it comes and, there's this saying ah it's ten percent of, the event and ninety it's ten percent opportunity and ninety percent your reaction, so problem is an opportunity to learn, opportunity to grow


uh I just had a few rejections like like just uh like lately, and and ya when I actually looked at it like when you when you put emotions aside I feel there's so much to learn from it, ya so it's it's not something you should put on negative note ah uh these uh negative experiences


are actually uh your doorway to more positive experience, ya so I will be okay


yes yes,


sounds sounds very familiar , <B> ya ya so


positive experience


, many things ah many things this is this is the these are very important question and issue like it's it's damn important you ask yourself this everyday I think, it's really that important because this exercise helps a lot


we tend to like overlooked our our blessings and we always yearn for more, but then you actually have to realise that we have a lot more than we we need and we just have to make use of what we have to satisfy ourselves, ya uh I don't want to delve I don't want to delve too deep but ya what about you


yes yes of course of course


oh yes our army , ya true true


, for that case uh on that right, is it as in uh I just wondering ah is it because it's


uh rule of law like there's there's a black and white of, phase if you don't have a valid reason to turn back or is it just generally because of patriotism, okay are you


but which, okay so let me let me just ask this question like


what percentage like you so, what percentage of the people would you say are just there, so they're disregarding their practical life just there to, really go outfield, you know just do the exercise because they want to be genuinely prepared in the case of


of of a war, of course of course


correct, ya


true true


true, next question what is the comfort food that you always rely on to cheer you up I believe we share the same answer that's why I asked


yes of course, oh okay so like from where specifically let's say if we if we if we match, ya that restaurant that restaurant


okay on spot on next, yes spot on yes


of course ya lah true in in singapore some more you you don't need, I on his there


birthday present, I don't know I I've never like I've always had my friends asking me back what what do you want what do you want I've always never asked for present, like it's something that I will just get unexpectedly and, I don't know it's it's more than the present I feel it's just like


I'm like when your friends turn up to surprise you or when you when your family does like something like then you gather and stuff these are the things I find more enjoying like it's it's not like it's not when like the the the gift, ya it's more of like that the association ya like the people who are there to to tell you that that !whoa! they are they are here for you


and that kind of stuff ya that that's what I think it's the it's the best, best part of the present ah like ya I think this is something that we need more more than like that that Nike football boots or that or that ya ya whatever you name it lah ya


what about you, correct


two years uh three yes ya, true, ya agreed ah


, it's it is a good thing it is a good thing


ah that's a very good thing lah that's a really good, (mmhmm) true, ya it it transcends the material thing itself lah like I I believe we share this in common like in economy respond ya it's a it's a not


true, correct correct, yup


uh uh okay you you should take the question first right why don't you share


of course of course yes


ya correct


true true, ya ya you're you're you're you're known for that ya to to light up light up to win the festival ya uh like for me


I'll tell you uh I'm a damn lucky guy lah honestly like I'm I'm very <lucky>like I I don't get disturbed disturbed by many things, I'm I don't get, I don't sway to the extremes of emotions I'm always just, going with the flow I guess


ya these are these are traits that I really uh value lah like for me because, it is like it's very difficult like I feel to be, to realise like this moment like to understand like the now like like this present like this something we all overlook lah we are all in pursuits of


tomorrow the, five years from now your future but, we we don't realise that the the importance of like health, ya so uh I realise I, as in this this is like like I believe this these traits constitute to to that to that


recognition like to be able to realise that so this, uh two of my traits I I hold very highly and I'm I'm proud of, I would say I, am quite passionate uh because you have to have some extent of passion because, it it will drive you you'd like in in


all right in in your settings in your environment you you need to have, , passion lah because if not you will not move eh and there there's no <way> so you have to have some level of patience and I am quite a hungry person so I


wouldn't as in it it it has it has its perks like, but I think I'll appreciate that character lah ya because I I have a lot of friends who are struggling to just do anything like they just want to laze the whole day, so if there's one thing that sets me up certainly apart from that it's it's that that that hunger that that pushes me to take action which has


correct correct yes yes at, what else do I like a lot of myself, uh I think ya I I was blessed like very good people around me ah that that's something I don't know if it's that's me but, I I I believe it it's me ya like I I have very good very good friends around me like like ya they really like good assets if you want to project in the balance sheet


!aiya!, yes correct correct yes, what uh accounting job you get


eh hari what's the happiest moment in your life


!whoa! it's a big event ah


how if i losing losing uh day the boom


oh so, they just ah,


(mmhmm), oh that's that's, correct correct


, ya true, !wow!


(mmhmm)


oh, boom, , ), (oo)


of course of course, ya without action, of course can


correct correct implementing, !wow!


, it takes to two to twelve lah, (mmhmm), ya must have been a very big rumour, biggest moment ah many uh many


meh not not uni maybe IPS moment was but I think ORD ah ORD was !wow!, uh it was a quite a dread lah it was uh, ya like they ya


it was intense what ah and then it was it was uh there there were just so many things that were off lah like, the way they ran the unit a lot a lot all that all that nonsensical politics uh this guy hits that guy this PC and that PS cannot work along and


all it was just a slump so, when they opened the gates all that's around it it was very very eye opening and very, as in I've done a fair share of things but, it's just very very difficult place to be lah


ya, so that that's my ah happiest moment true ya


uh investing is a much more different compared to trading when you talking about trading itself we're talking about getting out of positions in and out


within seconds minutes daily weekly it's depending on a particular person's income whether investing uh when when a person is said to be investing or to be investing we're looking at a much more larger than premier we're talking about three to five years minimum to even ten to fifty years


so that is the time period we're talking about but trading like I said to you it can be uh seconds to minute income it can be a daily income it can be even the weekly income so time frames between investing and tradings is very different


uh I wouldn't say primarily yes this is one of the main reasons of course there are other different reasons when it comes to trading or even investing we talk about fundamental reasons people like for example investment you looking for long term perspective so for you companies' fundamentals behaviours


even uh the their own recognition to the investors really matter however for trading maybe fundamentals don't matter because you are in and out positions within seconds and minutes so you're more of, trading the prices price differences the be equity forex or different asset classes so fundamentals don't matter to you but in in terms of trading uh in terms of investing they do matter so


of course primarily the one of the few differences are time frames, uh investments but also when you look at the technical portions trading and investing are also different, , okay I won't exactly okay much more our uh gambling you at the end of the day when we are gambling we are speculating that something will do well


for example let's say we are in a casino we are speculating that we will either get three sevens in one row right but for trading we also speculating whether the market will be in the uptrend the market will be a downtrend the market will booming in a sideways trend or you know accumulation of distribution phase so this is very similar to uh gambling but


trading in the sense where even looking at a much more a profitable trader, what he has is number one he has a red he has edge over the markets that means he has a proven and back tested system that he at least gets profitable trade or at least he has a win rate of at least sixty to seventy percent and in that sixty percent or whether he's right he's right all the time


within that sixty percent and he is able to get, the risk to reward ratio of let's say three or four is to one by this risking one percent so on a long term perspective kind of say he will be profitable although he's only right sixty percent of time because most of the time he's not only winning at a one percent to one percent risk to reward that means he's not only losing one percent but he's gaining two to three percent out of it so when looking at a sample size of ten


he is definitely much more profitable, yes so that is like for the trading perspective and, yes calculated gamble ya however in terms of you looking let's say for example singapore pools or you're looking from the casino you the odds are against you as well but you do not you don't have a back tested data that you will have an edge over the markets because at the end of the day markets are at random


so is the gambling world and so is many of the world we see out there so it's very different but it's much more of a calculated approach and a much more of a back tested approach that you know that this work this approach works


yes correct, uh I think firstly is when you get into options you first have to realise the option is an asset class on it's own like for example stocks forex uh commodities they're all different asset classes so options is a different asset classes


and normally you should people they would she should know what options are normally used for we're talking about people normally use options to hedge against their risk in stocks or in forex or in different different areas of asset classes so but right now we tend to see from my experience that I tend to see many people just buying uh call options


put options on just to earn uh profitability or just get profitability uh or quick cash you know so there there is there is a grey area all right from my experience but, of course what do such asset classes uh or what do institutions or banks


or high-net-worth investors use option for, are they either using it for the right uh purpose you know we for example let's say stocks we're looking at uh investment of company potential of a highest top price in the future or better dividends at the end of the day however options are and use much more differently they are not used to get profits but much more of hedging their positions


however we see the new traders the new investors nowadays they're using options as a way to get money which I feel that there is a miss it's it's like a misled approach you know using the right for the right thing or the right time but I feel that, if not done with the proper research options options can can be against you in in in taking profits as well


okay CDP, like we all know the CDP is normally used for singapore stocks right and custodian we are looking at like example like Saxo markets, ya at the end of the day it comes down to what you are, like what's the risks you want to take like you know if let's say the custodian account default you know then we are looking at


uh at this pace your assets or whatever might be lost there's a potential uh ability or there's a potential property that might be lost for example CDP you know okay number one is uh is, it's under the government and and it's much more protected it's like it's like comparing to a savings account to uh a stock share you know and where you where you placing it and uh what what do you feel fundamentally uh you feel safe so this is it's up to the risk appetite of


that particular party if it's that particular party is able to weigh out his risk that if in any case that the custodian account defaults he's able to you know he's able to risk losing that particular assets with the particular custodian account then it's up to the investor or it's up to the trader but


if you'll if you're looking at the CDP, ya so coming back to the portion of CDP wise uh like I said it's up to the risk appetite because I I also have a few uh stocks under the CDP account and I would want it to remain that way because of the security that it provides and the regulation it provides as you all know that uh in the finance industry regulation is very important


uh especially for the investor so it depends on what is it really, like, favourable to the particular investor or trader


highly leveraged product like options is it, oh okay so all so leverage it's uh as we commonly known in the financial markets or with investors and traders it's a high risk tool and it's a double edged sword, you win you win big but if you lose you lose equally a lot more


so, personally for myself I've traded the forex markets I'm using the leverage ratio uh issued by the monetary authority of singapore which is twenty is to one and I feel that that is a comfortable ratio, uh regulated by them and it protects not only the traders but it also protects financial institutions from defaulting if let's say a numerous of cases of defaults or call within the traders


so as, options and in terms of leverage instruments wise uh I won't encourage highly leveraged instruments because as a trader for myself emotions can uh lead you into disruptive consequences and if you are not careful with highly leveraged instruments I will not recommend using them be if options forex or different different uh asset classes


yes, the recent performance of the stock market is it, okay the recent performance of the stock market as we all know it's uh definitely not correlated to what's happening to the economy right now


when we are talking about what the federal reserve is doing from the devaluing of the US dollar to the forty to fifty percent bull market we are having right now which many uh stock analysts predicted that it may not happen and on the march on april uh twenty twenty


but it happened because uh consumer confidence and investor confidence that's exactly what's happening and we're talking about inflation possibility in the near future as well, so what can we learn from this stock market is just that when there is more money in the market with the federal reserve pumping money value of assets go up like we talking about net asset values so and that's exactly what is reflective of the stock market and what that's what's exactly not correlated to the actual economy itself


so while the stock market maybe bull booming but the economy is actually uh little to even though recovery is being seen much yet you know for many countries we're talking about even the united states or even in the UK that there still are uh shocking with a lot more cases


so we just got to be a bit more wary but in terms of the stock market proportion, uh it's definitely finishing the rally and we definitely know what is the the root cause of it which is, mainly the federal reserve and the investor confidence that's that's mainly one of the two reasons I from my experience I feel that it's causing these uh insane bull rally


which will uh which which is going to come into uh uh which what I predict which should come to a much more of a sideways trend right now since we are at a all time high uh be it it consumer confidence and consumer or investor confidence might be shaking a bit more, at the all time high regions so we can expect more of that in the next months and especially with the trump election to come


that's right


yup, okay I mean my uh my my return to you like the


the next few questions I will possibly ask is , fundamentally what does investing mean to you


okay so on anything else ya just just to to finish


like the market isn't a ticker symbol it's the company that you are fundamentally want to invest right


okay so so on this topic uh of stock market, have you do you invest in the stock market or most importantly it's before investing in a stock what do you normally look for do you look at the balance sheets income statement cash flow statement uh past five year trends ten year trends do you know the CEO you know ah like along these lines and


so that is uh so you telling me like financial ratios, uh how it corresponds you know it's very very important in terms of looking at a stock market or you know because a company's financial ratio with it makes it much more easier to compare uh two companies correct


so at end of the day it's like much more of like we're talking about the circular flow of income here whether we are in in that day will be enough capital we're going to pump into the business for even the business prosper, , okay so I mean the I think one of the last few questions before we, ya


time the market or time in the market which strategy do you prefer


okay so


ya correct, okay so, when was that time hari you felt like, very trapped or helpless


I wouldn't say that I felt trapped or helpless you know, I wouldn't say it was a it was a negative experience like definitely I we face a lot of negative experience in our life talk about failures of exams uh failures of relationships failure of


you expected to do something, so mine came and like I I have a lot of , troubles when, I first didn't make it you know to the poly foundation programme when I was in N levels, ya that that was frankly one of my first few major failures of my life I wouldn't say like a major major failure but I will like at that point of time it was a major failure because and we were still young you know we we there was a lot of times to uh you know there were not not much failures at the point of time to compare with so there was a major failure


ya so that was that was really sad moment so , uh I didn't get the results that I was intending to I just miss the a few points, uh by I think by one by one or two points I I didn't really get to


the poly course I wanted, and then, it it uh it took me back you know I I realise that , I I just felt very goalless at that point of time because you were driven to do something and that didn't happen and then what now you know we always ask ourselves sometimes we we are we are we are stuck we just asked the big question the two words what now


you know and sometimes that uh sometimes uh parents also they could help us but at the end of the day we need to know for ourselves what do we want you know and then that's when we told that's when I told myself you know okay you know let's go secondary five O levels you know, and then O levels happened you know and uh I was a clear expecting to get at least you know below ten points you know by god uh I only got uh I think mere twelve points twelve or thirteen so that then


ya but then then but of course I was, being asian sometimes we tend to , over exceed our expectations and what exactly happens is that I was also stuck again you know I didn't get uh I actually wanted qualifying to a better JC uh or even go for better courses


and I didn't know what to do at the point of time because I was like JC or poly you know JC or poly then every time I shower is like JC or poly every time I go play football is JC or poly these big question in everyone's I think it's every almost everyone singaporean students' minds, at at least at that point of time maybe now from my experience all most people want to go poly because of the skills they pick up uh but uh


however now is at that point of time it was very subjective so you know and many of my parents would ask me to go JC someone ask me go poly and I didn't I didn't know what was the best decision you know and it was very sad because , it first you expectation first you didn't get the expectations or you didn't get something you wanted second you need to settle for something you also don't want


you know and then it's it was very stuck it was really stuck and then you were like, all if you will feel like there's all lives are lost at that point of time you know then we just like okay lah you know we just do something you just you just do whatever you worked out uh I whatever it works you know at that point of time so that's when you realise that's when you become humbled as well and you don't get all the things you want in life and you just


uh want to make uh life happened you know I mean like life just happens you know life is a random book hypothesis you know like how the financial markets are and you just you just got to weigh weigh it out lah I would say and that was a sad sad experience ah I would I say and I mean other than that


there were there were a couple of more but is there anything first that, which actually make you stress uh apart from like, studying economics at the at that time, were there any other things which made you stress


but uh to overcome like the setbacks in life, uh, especially now I'm going through one of the one of my toughest phases also, what I would always tell myself is uh life happens for a lot of reasons like I said we having this conversation now or


a few years on the road we didn't expect this you know certain things happen out of luck certain thing happens out of maybe the universe decides that this particular thing at the right time so, there's a lot of timing to the things you know like how uh market also don't doesn't choose its time it it happens a crash happens it happens you know so there's a lot of things that the markets that also can be related to the fact actual reality of the world


so if something doesn't work against us or works against us we have to always remember that we only can control what we can control which is for example let's say now we want to get a good job you want to get a good salary you want to get a good , family or in the future everything there's there's only limited things we control which is you number one doing your part of uh studying uh setting up goals to have a good career and


then of course if you are able to network yourself to high or better or great institutions out there to, you know work and then if it happens it happens but what if it's let's say for example you can go to interview and you don't get selected but you meet someone in the interview, that could let's say an interview candidate who is possibly working for another company and you are hired for the company as well


you know and then eventually that that interview which you didn't make it became a blessing in disguise because you met someone who was eventually your boss or eventually your career partner you know ya so yes hindsight you know definitely like like I believe that you see like you studying economics at that point of time you were like dragging yourself


you know but then now it's it's something which is supplementing you, and also there's some things that life we don't see you just don't see it and if you try to attempt to control it it will actually work against you because yes the human mind is not slated to uh think of so many possibilities


we realised that sometimes we are getting wider we think we are we are thinking wider but we're not thinking deeper so that's when you that's when you when we realise to ourselves that uh actually we only can control what we can control you know sometimes we want to think about the higher things in life but we got to know ourselves that where we stand what we can control


ya reality check and if we really are not capable then because we can do what our part and you know at the end we just got to think back on ourselves that's most important and having the gratitude of being grateful around sometimes you know we like many people uh like you know different nations out there uh countries that they're struggling for freshwater


you know that's when we also but eh we as a country we're just bathing clean water you know sometimes you know sometimes I feel that we we even can drink the clean water uh from what we are bathing so many people are also you know, they are struggling to even get clean water you know let alone bathing so sometimes we we tend to crave for the higher things in life but we are not grateful for the smaller things in life


, oh I wouldn't say that failures I mean failures yes definitely I mean uh failures do break you, but they make you better in the future okay but definitely there were a lot more failures when you experience failures you will be in a very state of sadness


you know and, uh it will it will definitely turn out to be a negative experience initially definitely like uh I mean for myself I've just gotten out of a relationship as well so, uh experiencing a lot of negative emotions over thinking sometimes you just want to let out the emotions to the other party and sometimes you just want to also keep the emotions to yourself because you also want to uh


you know don't want to show off your emotions to someone because it's just not professional, so definitely negative experiences will always be there, you know and it's at the end of the day what, we want


what what number one is like what we want for ourself for the other party what do we what do we think is right logically so eventually the logical sense will eventually start to kick in when you face negative emotions you know some like I think it's common for relationships uh when break-ups happen or when relationships don't go the way they want


be it if the the girl or guy they both feel negative experiences, and they feel that sometimes that, uh this life suddenly loses meaning you know uh they don't they don't choose to live anymore


and then that that negative whole portion gets to them and then the mind consumes the negativity and it's like a hamster wheel a hamster continues running even though when the hamster gets out of the wheel, you know the wheel continue still spins you see and that that's what's the mind you know people think that they can just can just relieved from negative experience within the second you know it's like getting rich quick you don't get rich quick you know it takes stages it takes process so


that's how normally negative experiences uh gets dwindle down eventually and then positive experiences start to you know turn up or uh shown up within yourself, so it's a process it's a process this negative experiences will they break you or not ya definitely they'll break you but they always say there is always this uh term where what doesn't kill you makes you stronger


so if we are able to always focus on the process definitely we will be relieved from the negative experiences but in life negative experiences will always occur and it's just about how you going to handle this negative experiences it's just the beauty of life


one thing I would want to change definitely will want to , not have okay let's say if you are able to get into a relationship and you know that the relationship's going to end in the future of course you will want you won't want the relationship to happen number one is the emotional turmoil to yourself and the emotional turmoil it most importantly to the other party


especially we're we're looking how about from the opposite sex point of view uh definitely women or girls tend to be a bit much more emotional compared to guys you know, it's it's based on survey and statistical data so you do not want to cause that kind of uh emotional sadness or cannot talk more to the other party because it' s very negative and it brings down the other party and you never know what actually will happen you know I've seen uh many cases that my own close friends


uh committed suicide due to relationship issues so this is actually a very pressing uh matter that not that the government should uh you know take note of but it's just more towards uh, self-realisation if one doesn't realise that he or she is can be relieved from the mind and that his thoughts are not the mind itself


he will be relieved from the shackles that he's been having for the past few months or years you know depend dependent on one's healing ability, and what about what about yourself like I mean I I think it's known that you have not much of a you don't commit yourself brutal relationships but definitely there will be friends you have lost


you know, and since we could be it could be maybe due to studies or it could be due to uh misunderstandings it could be due to, a lot of different reasons you know some people ah now like especially you know university life there is a tendency that the friendships may not last in universities because people are just much more generally focus to studying and then getting a degree and then getting a job so friendships are not much more of uh you know


uh important aspect so what do you think have you lost friends along the way that uh you will want to gain friendships back because there was a misunderstanding you know definitely I think we would have have lost ah a few friends just explore about that or expand it


ya definitely


worry uh naturally a lot of I'm a I'm a over thinker generally maybe something to do with my uh astrological sign I would say but uh, mainly it's just more towards the I think a lot I think about a lot of things I cannot control as well but that is mainly because I would want a better uh better relationship experience or better


personal relationship experience to either that particular party or family member or relatives so I always think that what can I do best for myself and I just keep thinking and thinking and thinking, and I just get get stress away sometimes I get headaches worried you know it's just sometimes it can be that bad


and because, you just want to build empathy for that person so you just think about how different ways you can just empathise with that person let's say someone is uh saying a negative remark towards you, you know but you do not want to also respond back to the negative remark you also want to have empathy for the person maybe that person has been going through one of the toughest uh phases of his life that's why he's actually exhibiting all these negative emotions out of his mouth and from his uh physical and body language so


you want want to empathise so you think about situations you know that you want to empathise with the other party you know you want to think deeper as well or you know or you want to you know try to resonate with that person and that's not react with that person just like that you know, so, so it's very it's very very important that do not stress yourself and I'm also in a stage of healing right now and also understanding that


uh re-correcting by itself that is over thinking is not going to do any good it's only going to be killing yourself because there is a lot of unlimited thoughts uh in the world for yourself for me for another party people think differently so it's impossible to to understand what what do people think


so to continuously think what actually the other party might be thinking is we're looking of the probability of zero point zero one that that that the chance of you being correct you know so it's it's it's just very it's very heartbreaking sometimes if you are unable to do that but when cert when understandings don't meet


uh it causes you to that I think it's normal but everyone has to have have to have a limit to it of over thinking, uh definitely there's a limit there how we always limit ourselves to unhealthy food to limit ourselves to uh negative things in life so this is very very important limiting ourself


yes I think life is also about finding the optimum balance you know uh I it it always has a fair share we have positive experience but we also have negative experience like what we are talking here negative experience definitely will move us, in many different areas you know but what


can we take out of it is also much much more more matters


ya definitely I think negative experiences uh make us better definitely uh I mean speaking about this negative experiences at least for the past uh nineteen to twenty minutes now definitely puts us in a very sad atmosphere, you know and uh most importantly is what


reflecting about sad experiences and deconstructing our thoughts and eventually uh designing a process where we can get out of it and get back to our achieving our audacious goals again, you know ya those I have you know it's it's a book which I read on uh principles by ray dalio and I think that's something if


you are encountering any negative experience that's that's a book that you can go to as well, I believe we hit the twenty minute mark already


okay positive experience ya, okay


can uh so hari, most what what do you think you are thankful for yes yes


uh I think first and foremost thankful for wise, number one country I mean really looking at lock around the world you talk about the macroeconomic factors or you know when we look at not even economic factors just look at how the country's given the leaders, and how the culture of a country the the principles of a country and I feel that singapore is definitely one of the best countries out there with definitely a lot of valuable principles which the government holds and passes down to its citizens


from the respect of uh strict laws which we as a country take very seriously and that promotes a lot of regulation within the country itself, and how as citizens we are protected daily at any times of the day we talking about our singapore police force are fantastic force as well and not even uh not forgetting our five G army


which are always ready, ya our you know ever-ready we just within one button and we you know and also more bodies army sectors that we are also there's also of recent data released that, in terms of the reservists portion those who get called back for reservist that we always have uh above ninety five call back ratio


that means that ninety-five percent of our reservist turn up when there is a time for reservist compared to the other countries where they achieve lesser than ninety percent where we're talking about at least uh fifty to seventy percent call back ratio for other countries so that only shows that our


I think that that that can really be discussed further more I mean definitely we have certain elements of uh law and that's why people go back, uh second reason there is also over sense of uh like patriotism also, uh like we're talking about a mean curve right like there's always the two extreme ends there's some people who are maybe just for the law they go like some people already know they just go it for the patriotism but then there's also this pool in the middle which is like the most of the the percentage of the pool you know


I mean okay definitely will be a stating statistics like this is there is no quantitative uh reason and backing, okay but maybe just from my experience I would say uh you know we're looking at at easily about thirty to forty percent ya because at the end of the day I believe there will still a lot of people who realise that eh


we as a country need to fight but whether actually the purpose of we going to war maybe another thing altogether or or maybe even reservists is necessary but when we talking about this topic wise I think personally we're looking at thirty to forty percent there people will still go back because there is like uh uh higher purpose of serving or even protecting the country


there's also I mean ya maybe your next pointer will be those people who, prefer practical life or doing other things compared to going to reservist that's definitely and that percentage I won't queue for that, maybe it's also around the same also eh no uh maybe we're looking at are much more twenty to thirty percent ratio also like who believe that uh practicality lay out like like there there's also some people like who believe in singapore is much more of a peace treaty country or peacekeeping country we won't go to war you know and there is just a lot more at stake if you go to war


we'll have we are sacrificing our own economy we're sacrificing a lot of things if we are eventually going to uh you know get into uh a war situation so, there are people also are thinking like in a much more of a different way and I think that that shows the beauty of the world in in the in how people take in the variance of thoughts and uh different ideas ideology so at the end of the day


we look at numbers and be it if it's the law or patriotism we still have a ninety ninety-five percent uh, uh you know call back ratio and that's something either ways you still have to proud upon at least we are still have ninety-five percent who are fighting feet ready


, ya I I think okay indian food because uh I'm I'm indian uh we always we have this special rice called Briyani


you mean we if we match you mean the the shop or the restaurant or, uh I mean this could be subjective ah but maybe uh there it is a lot lah there is a lot are we looking at Sakunthala maybe first


I'm looking up, uh maybe we're looking at either banana leaf or a one along those lines, ya I mean there's, there is definitely a lot of underrated shops out there which , which have yet to be discovered like many footballing talents in the world ya you know like so definitely there will be that grey area and we cannot definitely pick the elite of restaurants that you know they're are the best out there I mean there is a reason why they became the elite of restaurants because there were a lot of


like you know demand for their food but, as of now based on the current situation based on my current experience these are the standouts and there is no reason why they are definitely not our favourite food and definitely not many of the fame I mean there's no question of why it won't would not also be other people's favourite food as well of course


there's also many races or different races that also like our indian culture uh type of food , ya definitely, for yourself like, what it was your best birthday present was it uh a material gift or something to do with materialistic means or is it it could be just be people's presence


the people you're with ya


I mean we talking about ya I mean talking about materialism here I mean materialism doesn't last you know we talk about or you you give the example Nike boots even if you buy a grade one boots it doesn't last ya especially the great one boots now we're looking at a lifespan of


maximum about three years before it or two ya two three years ya I was about to say, and especially the one I have right now so material materialistic don't last you know and if you tend to get more things you also want more stuff you know it it's human nature like when you become rich you just want uh more million dollars you know and it it doesn't it doesn't last you don't feel satisfied so what makes you satisfied that's when it's up to the


particular party or the individuals to decide whether is this what I really want you know and just I say I'm also not famous for having the best of birthday gifts, uh because I I mean I don't remember that, ya I don't remember the best of birthday gift so far I mean so far I only received a watch ya but the I mean the watch was very significant because I don't wear a watch but the gift was presented to me it's because that to cultivate the habit of wearing a watch always so so I mean that was a a value added meaning to the birthday gift so this birthday gifts


it it also could be straight away so it's important to realise that it's the people which are a rare existence in the world compared to material give which are always present, ya correct you know rarity I mean human need humans are rare compared to uh you know materialism which is always there you know


uh, correct so okay remember most importantly is I think this will be much more interesting question which is, most importantly is, as of now uh we are facing the world of people not loving themselves or getting into relationships uh relationships of not loving themselves most importantly is what do you love about yourself or do you are you are you still in the process of realising what do you love yourself


oh love about yourself sorry , oh okay okay so firstly , the reason why I raised this up is because there's been a surge of uh you know people like especially this COVID period there's a lot of uh uh I mean from at least from my experience there's been a lot of break-ups there's been a lot of high divorce rates especially during times like these even the past few years


uh I think it's come down to the aspect of uh, also from my experience is loving you know yourself before you can love the other party uh we tend to look for a lot of expectations for the other party to fulfil our holds within us you know let's say we don't love ourself but we expect someone to love ourself


you know and then but when when we when the love stops or when that tap closes when the water stops flowing to the other party the other party doesn't get satisfied and then he's paying more for it, ya so, what do I mainly love about myself the one my free spirit at at the end of the day or value adding to people


uh if you value added the people I feel that you tend to love yourself more you know at at the end of the day I it's it's like I said it's your purpose of it it links back to your purpose of life you know , it's not because sometime you will say what do you love about yourself or it can be just like oh I'm a very free I I'm very goal-driven person but that also can be confused with uh having ego


you know so you you don't want to confused uh having ego this because you want to love oh I love myself man you know and then then you start you start having the ego and then it it start it the negativity starts you know spraying across different parties ya so you need to understand also that if you going to love yourself what are you loving yourself for the nature your quality the ability to


share this positive nature this positive vibe to people and that's something that you love within yourself and that's something that I love within myself you know spreading the positive vibes to uh already negative world especially given the current situation right now where jobs are lost unemployment rates are at all time high and uh


a lot more sequential things which is happening right now and positive and free spirited vibes which is uh really needed and that is what I love about myself mainly which I can give to people what about yourself


yup definitely , yup definitely ya


the the productiveness as well that you want to instill in your life , , definitely definitely


(mmhmm), ya at the end of the day uh as long as those assets are not depreciating that's my right


ya so I mean, it's a it's a it's a good energy you know financial statements bringing in you know you talk about like, uh, different ratios and we talk about efforts uh I wonder what the liabilities are, ya so


ya actually, uh there was a lot of happy moments I mean you talk about , back in the days where, when I was in my polytechnic days we we as my student years we gathered to rally to try to attempt to win the principal cup which was actually a prestigious club uh


among all the schools which is uh the school of infocomm school of business school of engineering school of uh sports and science school of enterprise and others there's so multiple different schools that we had, and every freshman audition day which only happens once in a year


we all schools will gather to rally their freshman's guided by their soon leaders and guided by the individual school clubs to win the principal cup which is organised by the principles of the of of the of the invention of the school all right so, ya so eventually it'll it is ya it's actually a very big event and the only happens once a year you see so you only have the one chance to do it and normally uh I was part of the school of engineering team I was uh also an appointment holder for them and


we have to do with all means we lost the cup for three years running ever since I got into uh it was my first year second year third year we continue loss we continue we're losing the cup, after coming out of a three in a row victory so that means when I was in year one uh that was the first time our school of engineering team lost the cup


after coming up from a three three successive row wins, ya so we were the fourth year was our panicky or unlucky ah you know but there were also a lot of internal politics going on where we didn't want the the school of engineering team or the the principal didn't want them to win too many times they notify you lose a competition if not it will be like the farmers cup of uh the french league


so uh I think there was a lot of uh internal politics involved but actually came into our last final year our senior year which when we were becoming alumni we actually took over to stage, uh we let the freshman we took over the whole present club actually as alumni and that was actually not slated to happen but uh due to a lot of uh presidency issues and due to a lot of management issues top down there were a lot of issues then and that's when alumni team had to come over and restructure everything and then that's how we eventually managed to


get the assholes guided you know we actually there was a lot more of uh a lot of exchanges a lot of discussion a lot of feedback sessions, debrief sessions and then a lot of heart to heart talk was involved and then everybody was aligned to the same common principles and goals like how a company should you know operate having similar motors and values and that's how eventually we got our principles and gold streak and


we got everyone sorted out and most importantly we got the freshman engaged, most importantly it's it's it's more of the freshman's participation see they need to enjoy the event it's not more of the principal cup as well you know that's their first focused and if we give in at that focus to the freshmen uh that will lead to disastrous consequences because oh they will think that we just want the cup and then we just don't care about their experience


you know but so we there was a change of principal we decided straight away from the cup and we decided to go for the freshman's enjoyment instead, so we made the freshman fun you know like it's it's a much more of a a change which was needed like now like change is constant in this world so we just we just tried a new strategy and eventually the strategy worked out the freshman had a lot of fun and imagine the principles were able to see and we won uh two out of the three categories


because the technically those three categories will determine the principal cup winner and if you win two out of three categories you most likely the high probability chance that you meet we might be the winner so we won two out of three categories and then eventually when the principal announced that school of engineering has taken the cup once more, and then we just went crazy it was like for man united fans will be the the night at Istanbul you know those type and then it was just a it was just a it was a euphoric moment that a moment that we I couldn't forget in my life because it was not a single man effort even though that an idea especially projected by me but it was executed by a lot more people and an idea would just be an idea


you know at the end of the day it's , it's a team which was able to gave to that idea, you know there's there's a lot more something like a person can have an idea but he the idea can just stays an idea you see but it was the team which comprised and uh ya and the they they believed the idea and eventually that worked out and then it was just a a fantastic moment overall


l and that that was one of the moment even until now that I still receive text and emails and messages that, to thank the people thanking me for that moment but I it was actually reciprocated I actually thank them for the moment because they were the execution they were the executioners you know, yes it was not me especially you know although it was ya it was two men's effort but it ya two hands to clap that's the best way to say it


ya, what about you I mean just to end end this off, getting into university


the final release the the chains have been unlocked,


ya of course definitely, different experiences are different experiences, , and so I believe they release the twenty minute mark right, okay


insurance, okay so do you have a personal insurance if so share the details and your experience


okay I also have three the first one is by AIA it's called the lifetime pro protector max the investment the insurance linked policy with investment so it also covers my death permanent disability to go your nurse and all


so for that plan I actually added a double critical cover rider so that one was advised by my financial adviser , then the second one I have a Great Eastern protection scheme that one is stand by my parents and the third one is uh also NTUC income protection scheme yes so I plan to take more but I would wish to withdraw my ILP I'll tell you more later why


ya okay so do you have an endowment plan uh what what's your experience with that if we do not then why do you choose not to have it,


oh really oh


and stuff , oh so it's a guaranteed return


understand, , oh well I do not have one but I am open to having a short term endowment plan was slightly a two to three years one uh I'm looking at the NTUC income one that one is much more


uh desirable for me lah in terms of my age and the benefits could yeah because I feel like, I fear the premium is much more cheaper compared to the rest of the other companies that AIA, prudential what not because I want a very short term yeah


so I'll after paying like similar to yours mine after two years after paying the premiums you will you will mature and then I'll be able to catch up with larger amount, ya for example there is one called the NTUC income grow capital ease it's a five thousand premium for two years and I'll get a hundred and five percent


ya uh the chat chat yes yeah yeah acknowledged, okay yup, ya so for that there will be a hundred and five percent return on the second years that's guaranteed


yeah but I'm still weighing up my options from seeing other options yeah, then uh ya sorry, third question ya


okay so for this question initially I wasn't very financially literate so I learnt the hard way that I should never ever mix insurance and investment together because of many reasons , but one of the main reason is because a premium is very very costly and there's a lot of hidden fees and management fees


and the funds that I'll put into inside by investment uh policy you you wouldn't be invested well in in fact you be invested, you will grow exponentially so in the long run it's not very ideal because I will not get much returns in fair I'll get lower than how much I put in so I will rather buy a traditional term policy that provides a similar coverage and then and then investing the rest yeah


what about you karenthy


so you prefer a traditional term policy ah


that's good that's good, whole life insurance


uh I feel that, a whole life insurance actually life insurance in general is for people who have dependents or they have loans to pay or they have liabilities or they hear any illnesses , so that's most ideal for them because it helps as a form of payout as during such unfortunate events but since I'm in my early twenties I would prefer term life because pretty straightforward and it's a cheaper premium although it covers for a short period of time it it it just like a


financial safety net for me ya, ya safety net yes , so we both agrees term life lah (mmhmm), yes


yeah with much regret I would say yes so yes I have IOP's like I've mentioned so even though I do have coverage like critical illnesses additional doubled, critical rider and the permanent disability and whatnot I feel that with the premium that I'm paying annually it really not worth it because it's a very very high price and for the price I'm paying I can actually get a traditional health policy that would give me the exact same


benefits and features so I'll never mix investment insurance and also in the long term is not profitable for me, ya yourself I know you do not have, but would you yeah


yes, it also it also depends on your financial agent ya


traditional lah ya , risk ya


yes, that's good, yeah, okay I'll discourage you from taking it anyway anyway next question do you think CPF insurance coverage is enough for your insurance coverage what are your thoughts on all the government initiatives yeah


and MediShield MediSave


okay so like similar to you I appreciate the efforts by the government for such initiative but I feel that these policies were greatly benefit to those lower income families especially those who struggle with like, medical bills or like their finances especially when they reach the retirement age


but personally for me I am I am planning to to leverage on top of my MediShield so there's this thing called the integrated shield plan so there's one A that AIA uh has


ya so it like for example when I leverage that on top of my MediShield it will provide me a better coverage for example I can go to a higher type of ward or even a private hospital like those A one B one ya


and then there are other benefits lah that I can yield from that, come , , yeah, sorry


ya of course I feel that you must always leverage on top of that that's because ya


uh I feel that this initiative is like I said it's more beneficial for the lower income families so it's a good, thing that they are doing it for everyone so that we have like a save net if we tend to


bounce over yeah so but it's always important to like I say do more than what you always have because in singapore you never know ya , so would you approach an agent or DIY when it comes to insurance planning why or why not or how would you plan it


my answer would be very simple I would just approach a trusted agent not a family, maybe uh a trusted one from a a family not from friend sorry,


ya trusted agent yes, ya


recommendations lah yeah I wouldn't DIY because I feel like, always leave it in the trusted hands ya people with more knowledge on such topics ya


uh yes I feel that insurance is an is an essential expenditure uh, uh, so I mostly look out for health especially for like those surgical bills outpatient care and all that


and I believe is very necessary because when you pass away your dependence almost likely inherit your debt your loans your bills or like touch wood like uh if you have a terminal illness some point of time in your life or you get into an accident uh there will be a


I feel like everyone should take it especially when the land into their first full time job, yourself


so you see as a essential expenditure lah okay, okay me then uh what kind of insurance are essential for people your age like you said earlier twenty four twenty five,


but don't you think for that is like for people who have who live a much, high risk uh jobs like for example they are doing those outbound


out you know


I see ah for me I feel in my twenties like I said just health is very important for now then subsequently insurance for car for your housing and all that will come into place


when that stage of life stage of life comes into place yeah, so what percentage of your income do you spend on insurance


yeah about same


I I did read that I I, like for an average singaporean they should be at least covered nine times their annual income for protection wives then from critical illness that I think you should be like few point nine times


of their annual income , yeah that that's what I know lah ya,


oh okay uh, so like I said I have lesser responsibility so I'll stick to health first, yourself be


okay, , okay so for me firstly I would never engage with a friend because of my bad experience so for me I have a few criteria now that I more particular when I look out for an agent I'll first lookout in their meticulous in their work


such that they are passionate in what they do and they take pride in in in handling their style their style of working lah , like they uh they take pride in it , and secondly they should have attention to detail because every potential client have a different age group and needs so if they can identify my financial goals and realign it according to the products that they have I'll really appreciate that and that something


would set them aside from everyone else yeah


negative experiences, so


a time when I felt trapped or helpless uh, uh, maybe it was a time during work uh it was when I was very new to my job and I wasn't very familiar with the procedures on board and


I feel like because with the with our line of work we are always flying and we are alone on the flight on the plane and sometimes when you feel very discouraged not


doing well at work, uh you have no one else but yourself so that was when I felt very trapped because when I no one to talk to about my feelings ya yourself


some of the hurtful words someone said to you that you wish to forget, uh I do not bear grudges, yeah , I do not bear grudges but I will not forgive the person if the person has hurt me