I don't really ask for any any of this for them I don't ask allowance from them, as I should be doing I guess, and then they say I like like never think about them and everything then I'm like


I'm helping you cut cost and everything cause you're you're my father's in debt you are helping my father pay off his debt that's why I'm not asking anything from you guys you know like I've never ask like, I won't ask for presents anything or anything I need anything I need I will just uh save off and just try to buy myself you know, like I don't outright ask anything from them ya some things


what about you


!huh!, don't understand but you need to sleep to study like you cannot work you cannot like your holiday last one to two months you have to still have to study after that


after the two months then still have also ya, ya


ya can be pretty infuriating, then they oh ya also the part where I will use my computer like not for play then they will like you always on the computer one never talk to us at all


the okay ya, it's probably probably wrong lah honestly anything that is not studying they probably see as something else you know entirely


ya, okay


positive experiences okay


ah that's a really weird question to go with first what do I love about life, I don't know I there's not much really aside for me playing my computer games every single day


applying for jobs and not getting a reply after one week, stuff like that you know I love that so much about life oh ya and food that's probably the main thing food my games, entertainment entertainment ya entertainment that definitely is number one on my list what entertainment is what I love about life the most no I don't want to okay uh just go with the first one the what what are your some of your memorable moments from your younger days


like when ya, oh nice, Genting ah universal studios oh my god okay


the lines oh ya, oh ya ya I see , for me for me would be when I was in secondary three


I do went to climb a was like first uh school trip like out of country which were just malaysia went to climb mount ophir, that was my most that was my most memorable one cause I got lost in the mountain like one hour, I thought I was actually lost it's just that the people in front were really in front and the people behind were really behind and I'm stuck in the middle of nowhere the forest


and when you going up the mountain right the lines will like you know if mountain you just fall and it's game over for you you only have this one line separating from you and the and you falling off, the mountain you know then my teacher who went up there she couldn't come down she had to take the van down because she vomited on top she couldn't climb back down oh my god it was so funny no like okay ah it was pretty fun I got to like uh


!oi! don't spoil the last time I ever exercise climbing that mountain I never exercise ever again after climbing that mountain, ya there's some other things oh ya when I went to norway first time I saw snow that was pretty memorable also I guess other than the fact I lost my phone while uh ski riding


and my body weight was so light I couldn't stop the with my body weight ya that was pretty memorable as well almost went out of control almost got lost in the forest again, I'm (ugh)


used to have a pet I guess, uh I had I had like a lot of I guess like fishes are pets I have like one tank of like ten goldfishes, then this one black goldfish which killed all the other goldfish then committed then it just kill it's uh just died after killing all the other goldfish in the I don't know it's it's just like bit on all the other goldfish in the in my tank ah


then just after that it just it's just stupid, pretty sure it was black and gold was pretty weird for a goldfish I guess it was black and black and yellow you know all the goldfish usually orange in colour you know and that was that one was like black and yellow in color which is pretty unique I guess


other than the fact it, eradicated my other goldfish in the pond lah but you know not in pond in the tank, what about you you had a cat, !wow!


wait is it still is it still there or oh dear, why eh like when did it go, two thousand and twelve I don't I want to get uh I want to, I want to get a cat like not those not goldfish and hamsters and stuff you know


hamster don't last long my hamster got a tumor my hamsters got a tumor I think like on the on its bottom, and my other hamster killed again destroyed the other hamster and then after that died the next day also my animals are so violet maybe it's something to do with the house you know like got some uh got some weaird maybe weird statue I have in the house I got this painting of buddha on my in the living room maybe that with the you know


not really sure I don't know my my animals just like to go harm on each other and you know finish themselves off after that oh I cried oh I cried when my hamster died, ya I was very attached to that hamster even though probably should have handled the hamster with much more care I dropped the hamster from one point five metres above the ground


it got lost in my you know you know those children got those toy cars like it can go around on ya I drop I drop my hamster into the car had to cut the whole thing open, oh my god, no wonder the hamster died


I'm surprise even lasted that long with my stuff, ya ya, which can handle my violent tendencies


!wow! how would you know when you get a pet you buy the pet is too late for you, for oh


that's reasonable I guess, go before I die I don't want to, I don't want to jinx myself but I think I'm gonna die at like thirty years old cap no cap is it thirty years old I'm done before I die


not really sure what I want to do before I die, eh eh eh stop can't topic a bit touchy ah uh, [orh] uh


making money you make money you spend the money you have no more money you go make more money and spend that money again and then once you have no money so you make more again, those courses what do you mean


uh you mean you mean those advertisements where how did amir make ten thousand dollars in just one month sitting at home in his chair you can do it too,


no I I think they have the whole point of that is they just buy they buy their goods you know they buy the those, those those like bootleg cups from china they paste a sticker onto it and sell it for higher price , ya no


I don't know what else I want to do in life though honestly aside from getting a job, making money, no I no I live to entertain myself as long as I'm entertained I'm fine I'm fine with dying at anytime


why do you mean, oh, no like games that's why I hardly spend money on like anything else like my my priorities is my game my games, then food then clothing and other stuff


no like okay as long as I'm entertaining I don't mind spending the money, it's a yourself I don't know what's the female I can go and buy clothes I can look at the clothes for ten minutes like just a plain shirt for ten minutes right and I will still think heart pain sia buy this cloth fourteen dollars only and after that can spend eighty dollars in game and I won't feel anything you know that kind of thing


want to have kids, in singapore, you should probably migrate somewhere else before you think of doing that ah


where the cars don't cost a house and ya go to US, thankful for , kay I I feel pretty ungrateful sometimes but I guess I'm thankful for you know because some people have like missing limbs and stuff they're born or like born with a social condition


I'm just happy I was born normal I guess, and thanks for being, ya like being born you know not in some, some like third world country I guess


ya every time I I complain right okay I don't need think about this right so I complain about a lot of things uh like I'm pretty unhappy with my parents I guess sometimes then I'll think about it !wah! I guess, I'm lucky that I wasn't born in some third world country where they have to try so hard to survive each and every uh each day you know like at least I at least I have a roof over my head you know and I'm still well fed you know things like this


ya what about you same thing, really


ya, ya it could have been so much worse ah honestly no some people are just born with everything you know ya it's not very balanced


ya , okay what what's a comfort food for you, ramen no we've been talking about going to eat ramen for like since last week


that's that no I don't eat instant ramen there's no the last time you call me to ramen shop the ramen shop is disgusting, the portions were too much the soup was too little and the food had no taste I was basically chugging cold noodles into my mouth the whole time the the minute I put the noodles into the soup it just turn cold


I thought I could eat a lot I didn't know the portion no I don't think it was much about the the food was too much was more that it was tasteless I guess I should have ordered more soup honestly


uh, no Ajisen is a straight up like I don't wanna say it's a scam right but it's really expensive to eat there I guess like the prices don't make sense for the portions they give I guess


like ramen go there it's fourteen dollars then you get service tax then you get like some other tax also then even it goes on fourteen dollars to eighteen dollars and you're wondering wait


the the tax is makes up around like seventeen percent of the, food of like a meal uh so okay uh comfort food for me not really sure what do I comfort food I eat, because I I eat a lot of chips I guess like ruffles ruffles is good stuff ah should go try it uh they recently sold a new flavour at my house there ya jalapeno ranch flavour


was okay I guess it was just salty though there was not really it's not really spicy I guess uh no I I like sour sour cream the most, of all the other flavours, they sell they sell like hot the spicy spicy flavour on occasional like once every few months


ya, I don't know ah I used to buy doritos though but they always sell the same old flavour you know like, no like the the one the one at my house they always sell the same taco flavour which this basically just so like just salt just eating salt


sprinkled chips it was so tasteless but sometimes they sell cool ranch also that's the stuff, ya, ya I have no I uh I have barely go outside of my house I will not go outside my for my house for just chips


it's not worth my time it just chips no man, nicest thing, that's so hard to that's some question right there hardest thing the nicest thing someone said to me I'm not really sure honestly uh I don't talk to my parents


I got uh probably ah but never mind I wait until my you're on the death bed then ah then that's the timing lor that's always the time where people wake up when they're on the death bed then oh I should talk to my, parents now yes no nicest thing someone said to me I'm really not sure man how about you


[orh] oh my, [orh] they oh <mandarin>长大了:zhang da liao</mandarin> grow up already, oh ya it's always the same compliment oh you handsome you so handsome already ah like like they see you like once a year and every year they seem like say the exact same thing to you


I guess that's the nicest thing someone said to me then, no no there's nobody really outright compliment each other like us like friend friends don't do it I guess like I mean I'm playing nice shot goob job ah then that's pretty nice I guess sometimes I'm playing


it's like a nice one you know good one things like that but in real life is like people don't really compliment each other I guess not really sure maybe that's just me how about you, ya exactly


unless you are like some instagram model lah then you know then that's that you know all the comments, ya !wow! !wow! !whoa! okay like they're models ya, really oh ya


no eh my confidence is non-existent uh let's see, , oh my perfect day my perfect day ah yes me willing twenty ranked games my parents not bothering me that's about it lah


that's good enough for me, ah yes, oh no oh perfect day I just sleep for twenty four hours straight don't wake up that's the day but guess don't if I can don't wake up for one day right I'll be that will be the best day for me


I'm not sure, my body clock is like super messed up like that I can sleep at four AM and can wake up at eight it's like I want to get more sleep but I can't fall back asleep again


ya so having like a really long sleep will be best for me especially you all doing sec three and sec four need to like wake up at six AM then you like, ya lor six AM then still need to do homework then


oh the towards the end of my sec four I just stop going to CCA altogether then my CCA the uh kind of really just give chance just uh I I mark attendance for you ah you go home ah never mind lah, CCA dead dead already anyway never mind one just go home


ya I don't know ya like then outside you do your for me right I I last minute homework right I did do my homework inside the my room cause my lights will be on I went to the toilet to do my homework at home you know that's just how sad it is then I went to sleep at three AM then wake up at six o'clock then got CCA on that day also go back at six still got more homework to do


ya positive experience, ya I guess, faith faith of


ya you went to turkey before !wow!, [orh]


ya I see see like uh those some people then you see like this small acts of kindness is like I guess there's still hope I guess, as in the sort of things going on now ah you know, ya


ya I'm a pretty pessimistic person, a skill or ability I'm proud of, not really sure, nah nah that's not a that's not a that's not a skill


skill I'm proud of ah, I guess I guess I can fire a rifle before I fired a rifle before I can fire a gun I guess, ya I guess that's about it I mean some I can do pull ups because my friend can't even do one I'm pretty proud of it you know


for someone being all skin and bones the fact that I can do like more than one pull up yes, I don't know it's so impressive ya I know I still can run two point four, , uh what about you


oh my god I still don't know why you did that you can actually learn something we okay I guess if it's meaningful for you then you know that's it you know but ya but how was it though do you do you can you actually speak malay fluently


from that ya exactly oh, you can read and understand them, no can you understand what you are reading oh I guess that's I guess that's fine I guess


!wow! oh ya fond memories


oh went back when was still a thing you know you know seven eleven ya got an ultra rare I was over the moon you know, I I lost the game some more one day that's the best part then after that I figure out you can just buy the cards you know those you know those fake cards you can just buy and they still work anyway ya


no another fond memory, you share with your loved ones ah because earlier on we went to Genting I guess it was a pretty good memories before like everything we face going on now happens that was pretty good in the past I guess


ya what about you, going to thailand nice, I see


save money save money then you can go back there, yes


finance, finance yes, okay


so uh you just you just start uh just choose anything and just start over, yes I have


right like actually like for me I don't I invest locally in the stock market so I'm more interested in like local affairs more of singapore stock market, uh SGX mostly and I focused towards more of the blue chip side ya so I usually only pick the stocks that I'm personally interested in so like SIA SETS banking sector not very lah


but err, ya big actually there's a trick and the reason why I chose like SIA and SETS because, people don't know that they are both actually like part of the same branch or the same company, ya so what about you


ya ya ya


right right right so it


your capital your investment goal is basically to flip the stock is that right, so you you you target capital appreciation, (oo)


, err uh yeah but but most of my stocks like for you you you use technical data and uh business revenue I don't know what formula that you use to to evaluate whether the stock is good or not right but for me like I just


I I don't go into the numbers because I hate numbers but I just, one I have a need to feel like I need to invest in certain areas and the most logical sense for me to invest in these things that I actually appreciate and actually follow, in life but not in terms of numbers for example like the trend of aviation for example or what kind of


err behaviors that airlines like to adopt how do they stay competitive with one another this kind of stuff so that's how I always judge what kind of stocks I'd like to buy , I actually once made a mistake of, uh I I think I mentioned this before about I invested in a #old chang kee# there apparently there was an #old chang kee# like exchange on the SGX


so back then it was just to try just to see the system of how like of buying and selling works you know like what kind of orders should I take how much quantity blah blah blah , so over time, then I realised err, I decided to try something that's bit more safer so it's like I usually I use I do blue chips nowadays ya


ya I I don't go for the volatile kind of tech related I have people who have advised me you know just do robo investor just put your stocks in equity one hundred for example those err those ya ya those NASDAQ kind of uh, fortune five hundred companies so called but for me I don't feel comfortable yet


putting my money into something that is not really that tangible or that something I don't understand as of yet as a collective you, know yeah ya so continue oh ya


uh actually I I lost my chain of thought but never mind just going what are you going to say , ya, uh ya yup correct ya correct correct


so you what are you talking about is progression lah so now I'm playing it safe so called I'm having low like appetite, uh tablet uh investing appetite then risk appetite sorry what am I saying ya then what is the next step you just what you're asking me right uh for me I think


the next step was actually to try on board, uh markets that I have a personal invest invest like, I would say investment in things like apple and such of that stuff like that but because there're a barrier to entry for just one stock it's already at this age it's already quite pricey as you might know like now before they split the stock from four from one to four it was four hundred dollars plus but now it's one hundred dollars


right so, ya so I mean of course I look at my resources and how much I have, to, I spare cash to to try this kind of stuff and, what I can, what I want to do actually with my blue chip now is actually to see


what kind of, events or changes in the economy that affects the stock change so but because because blue chips stocks they don't change as volatile as , a uh regular stock right so


I just want to see like okay what kind of events I should look out for so when I know more about, like how the economy runs and how things err react to certain ways then likely I'll be able to take a more calculated risk by choosing the choosing the more volatile stocks lah ya


ya I mean I think, then this will be a goods ya, anyway ya so ya what about what about you, I mean you already quite up there already what right your understanding of how it all works, ya ya


actually that's a very good question because, since COVID started err, initially for the first two months of COVID I was more concerned about, the health issues that with it but after that when I'm re think about money wise and investing wise right I actually got more


so called braver to invest during the COVID time because of how cheap things work, ya, ya so I mean okay this is price driven lah but, uh, for me quote again I only invest in blue chip stocks


but to me it made sense to invest in things that are likely to stick right I mean aviation yes things might they might reduce in size their travel volume or like you know people might not be flying as much as they used to but it at the end of the day


after COVID you know maybe one or two years I was prepared to see a declined for one or two years but, I know at the end of the day these companies will still be around they have to be around and then they are pure infrastructure so these are the things that I look out for and


and COVID COVID also kind of showed me like what kind of industry, I really affected by things like, diseases for example you know so, I was always confused when I first going to start like into investing like what happen during things like the two thousand eight financial crisis and all that like those are very


economy driven crisis but physically driven crisis like COVID and everything it's it's more clear cut, but for those kind of economic stance is it's a bit, more hard to see if you're regular investor like me if I bet if I was investing in two thousand and eight and I didn't know what the economy how the economy run how banks is given out loans and the bubble and everything I would have probably crash and burn


ya so , ya so I saw COVID as as a way for me to , just get into it and just take the leap of faith because somehow or rather eighty percent I'm confident that if I even if I don't earn so much from the stock maybe even one dollar per stock it's fine you know that kind of stuff at least


at least it gives me like a certain sense of reassurance that eh I've tried it you know I know exactly what to look out for next time maybe next time I can try a bit more risk you know that kind of stuff, yeah ya


yup yup , yup ya


ya okay to correct you that it's not really like hope you know I don't hope like you think of what I mean at the end of day of course I want it to go up but the way I see is that, , I'm the type of person who likes to do something and then figure it out along the way


you know, ya ya so if like let's when I first when I took my first step to invest in stocks and buy my first lot right uh I just decided you know what I'm just going to do it I bought it, and the subsequent days that came after it I'm I was actually initially very worried about how how it will perform and then you know people say like oh don't if you even if you are investing the long term don't go and see everyday don't go and see the price stock everyday but you know in the beginning of course I had to see that right


but along the way I realised like okay it's not going to change so much in a period of even seven days or even two weeks even the the the change will not be so drastic, so what can I do in between such that I can kind of predict or kind of see where the direction is going to be in the next few months or next two month or what kind of developments the companies have they they the aviation sector has this kind of stuff


so that's how I see it lah, ya what about you, mister more seasoned investor what what, takeaways have you had


yes, yes yes ya yup yup


ya ya ya, yup right okay


ya ya ya ya on top of the world yup yup yup ya uh roller coaster ya ya ya okay right right yeah that's true


is riding it out until, ya ya right right


right right right,


uh when they want to know how much I bought it at, recently uh now it's at, now is now is hovering around three hundred and fifty per lot, ya, and not not including like transaction fees and stuff so just just purely that


, losing trade ah to be honest I set my expectations for this to be quite low personally I just put it like if it it goes down to two dollars a stock or even two hundred a lot then


I will still be okay anything below two hundred dollars then I felt like okay maybe I made a mistake in this investment and maybe should try something else you know because I'm prepared to make the loss like you said it's just that, but I agree with you something about the emotions when you invest in something that you have a personal affiliation in for whatever like interest that you have in the effect of the rise and fall makes it


double or even triple the the the the the feeling now the emotions that go through it you know ya so, sometimes because okay so my parents they don't have any or much,


err what to say how to say this err experience ya sorry in in investments or in any kind of investment to be honest because there was one point of time they made a mistake of having to invest their a bulk of a quite a lot of a bulk of the cash in somebody so they trusted somebody to handle the cash for them and


because they didn't know exactly what exactly they're putting their money for their putting their bet on the person instead of whatever they're, they are putting it on so , I feel, to address the issue about how investors should, behave like


at the end of the day when I see how how about my parents believe in I feel like I should be directly personally invested in what I choose to put my money in, you know, they they always say ya let your money work for you and stuff like that but at the end of the day you also need to see like


if the money is working for you if it's worth the risk if you are willing to put in that additional like , add the additional effort or even additional boost to the sum so that you can, see the rewards later do you know what I mean


ya ya ya ya ya ya I I ya but


can I can I comment on financial advisers now that we're like okay ya okay yes yup


okay, negative experience, okay you can go first ah or do you want me to pick one okay okay okay can


yup yup


yup, ya right right right ya ya ya yup ya ya ya that's true


on the topic of social media you know I'm, my profession has to deal with social media but my problem about social media and whatever trends that come in is the trend of, this uh


S W social justice warriors SJWs ya so like I mean in as context SJW they usually go on twitter and they call out people for their insensitivity racial slurs


basically in people not being awoke lah in the sense you know, and, and I had the personal experience of having to see one of my friends become this this typical SJW


yeah so uh and to be honest I don't really respect this kind of like social activist movement kind of thing and if I were to say that out loud people will just like you know shoot me down straight away that kind of stuff you know so


and that's and that's the reason why I hate it so much, because they it's it's so restrictive it's supposed to give people a bit more freedom a bit create a bit more positivity on the in the online sphere but to me I see it only creates more trouble where it shouldn't be you know you get what I mean


for of I mean of course for instance if, you see somebody being an insensitive and they are uh posting something that they should not be or hate speech or some something that affects other people's lives you know this kind of style of mean obviously if you see it it's blatant uh damage the society obviously you need to do something about it


but these SWJs then they started they started to create their own little like vendetta against, like social media users you know they they actively seek out people who , even though the minors of fault for example like grammar you know this kind of stuff and


things like okay let's say I make a comment saying that oh I believe like our issue should be more focused towards this because this is more important blah blah blah blah blah , then they will try to correct me and said no why do you prioritise this this function and why do you prioritise this movement and like no you you should be you should focus your efforts into here and I'm just like to me why do you need to tell me what do I want


what do I prioritise you know what I mean like unless of course I'm saying that oh I know I want to uh destroy the environment you know I burned trees every day this kind of stuff this was totally different from me just prioritising what I feel that should be that should be, brought forward in life right like for me


I support things like , like a, progression so from you know secularism and stuff like that so, so, what I don't get is, is it basically people telling you like why you donate your money to this place why you don't donate to other place you are bad for donating doting in it donating your money to this place you know it's like


who who are we as human beings to tell other people like eh this is the right thing to do or the more right thing to do you know what I mean, ya ya so in terms of social media that's what this this this kind of trends that I hate lah and I have friends who will go to the extreme extreme end and I do not understand why it's like it's like


I understand that one person can make a difference but there's too much of a good thing, will become a bad thing you know like that's not how you that's not how you motivate people to join your cause you know like, it's like it's basically like religion telling you to do something that you shouldn't but never really explaining why that's that's exactly what they're doing but they just can't see it that's the problem you see ya


ya so, ya that's this one thing that I don't like, about stuff and uh, let me go into find a bit a bit more deeper topic , okay okay so


err describe a time when nobody feels, okay describe the moment when you felt that you were you were treated unfairly, uh ya classic right but


to me ya to me I think this has always I always viewed unfairly two ways I'm I'm not the type of person who enjoys taking advantage of his privilege , and, I'm not out at same time also vice versa I don't like


people taking advantage of me or by treating me unfairly because of certain discriminations and stuff ah so one the the first part is I hate, how like like, people like let us say the Makcik at the at the food stall right I hate how they selectively decide to give more food the case I mean I'm not saying all of them do it but I'm saying like it's a it's a general like trend you know about it right


like I hate how they decide to you know okay so because this guy is of the same race then like let's let's give this fellow a bit more, food for example so like , that that, is also for me like treating unfairly because for me I see myself as part of a bigger society you know race to me does not define who I am what defines is the people that I surround with and what I should do to make their lives better that kind of stuff ya so


the most the one time I was treating unfairly was actually doing NS so , I signed on I tried to sign on, as officer but, knowing I know I know be at the back of my head like, for a malay guy like me to go into like navy and air force chances are very very low right I mean it's not impossible because there are people already now so thankfully but I know it's very low lah but for reasons which all cannot explain why so but the thing that ticked me off the most was that


why would they, why would they let me sit for the tests to join, whatever I wanted to sign on like the navy or air force if at the end of the day you just just going to react reject me because of my race you know what I mean, ya


so in in BMT I signed on I signed on, I didn't want to sign on army because I didn't know there was artillery back then quite like just blind to whatever army say lah ya ya if I were to sign on I will sign on the artillery but other than the army other army vocations I don't want so


I signed on, I went to the BMT and then the fellow will try to sell you like oh you can join navy you know navy you don't have to fly planes you can like be in the control tower and then like oh in the navy you can be like a ship man you know engineer and stuff stuff like that so I thought like, I wanted to join a navy because I was really interested in ships I thought like shipping life was quite cool you know get to sail the seas you know that kind of stuff so I thought it was factual so that's one thing I've applied for the other thing I applied for was the air traffic controller in air force and the reason why I did that was because I know my uncle is a air traffic controller at changi airport


so so I thought like okay maybe maybe this will be a safer route to join the air force or maybe this will be a safer route to join the navy because there are people generally that I see that are from my race who are in these areas so, I went for it I did the compass test I did apparently one of my scores for the test I mean when you went they don't reveal the test lah but you compare it with other people so my my scores were above average so called and uh and I went through the interviews even got to like a few stages where


where you actually they ask you to come out of the comb for awhile for the interview and then come back you know that kind of thing the medical tests and stuff so I went through all the entire process only at the end of the day to tell me like oh you know like sorry we can't accept you, reason being, there isn't much of a clear reason uh and you know they won't give a reason right ya so


I'm just like at the end of the day I kind of accepted it it's probably because of my race and , I don't understand why and some people will say like oh you know, because like our neighbours are muslim countries you know when people will like waiver their dedication instead of the nation but towards the religion and that kind of stuff so that was a traditional argument but


to be honest if you ask me I am a singaporean boy, and there was there is literally no my loyalty lies to the country so, I don't know how how, as a nation we're going to grow to accept that there are individuals you know who are willing to put countries


first as first priority before anything else ya so I was quite it was quite kicked off lah and I and as a person I really want to do something with my NS so because my contract stated that the one I signed saying that if I go into any leadership school


my contract will be valid, so because ya valid means like okay let's say if I go OCS right that's it I'm in I'm not regular already ya, if I go to SCS, likely I will also my contract to be valid because from SCS you can jump to OCS


ya so because I signed that contract, I got a feeling they didn't told me to either SCS or OCS so , it's it's just to prevent the chances of me going into the service lah I guess but this is all speculation I'm not I'm not I'm not like I'm not like accusing or anything lah just allegedly lah but I just feel like


for as individual who has this much love for his nation if you will see it's a bit cheesy but dedication lah to the to the country right, ya, dedication to the country I just feel I'm bit cheated lah in a sense ya I I mean I want to do something more but I don't want to be a firefighter I don't want to be a policeman but I want to serve in the armed forces so ya so that was when it was treated unfairly


ya ya ya


ya ya


ya ya that's true


ya I mean, somehow I just wish like if people told me like, directly okay you are not in because, this this this maybe you weren't efficient enough or you won't fit enough I'll be open to this kind of stuff but I mean


don't leave it hanging lah I mean these kind of issue is very hard to, talk about ya ya maybe lah


ya ya ya ya ya ya, ya ya


but the thing is that it hurts the most because as a young kid right when you go through national education and all this stuff they they they keep telling you like oh you know you as a singaporean like you can do whatever you'd got so many dreams you can do this can do that but when it finally came to the time for you to actually do it


then they tell you oh actually you weren't meant for this at the start so its like, come on you know, ya it is a bit cheating lah, not a bit lah it's cheating my life lah in a sense, ya correct ya ya ya ya


ya, ya


uh okay


positive experience, okay, !wah! I feel like I have a positive experience chat with you every single like time where we have you know a little thing to enjoy ya


okay wait, ya ya that's true that's true okay I guess we can say from the start beginning like a positive experience to us means is like just hanging out with people who kind of get us on the same frequency you know what I mean


ya ya so so there's one thing let the record state that both of us have in common ya okay next I know it's your problem okay maybe this one will be a way for me to learn something about you also , err okay


uh !wah!, what are the three things you are most grateful for in life, ,


or do you not have any , , okay okay okay go for it,


ya


ya (hmm) yup yup yup


!wow! that is a very unorthodox answer, actually it's ya it's weird that people don't appreciate singapore enough right


, yup yup yup yup ya


you you know I always wondered, I always wondered like what are the chances right I mean like you have so many other places in the world and you end up in the smaller sito, dot down southeast asia that kind, you know what I mean ya true ah yup I'd


that there's a very good answer, yup ya ya ya right right right right


good on you bro good on you, !wah!, it's so hard to to to, to compare my answer to your answer because there was like cause I expected like oh usually usually when you I ask people like or three things or their dog or something like that


what uh , uh okay k first thing I would say yeah I mean if I don't say then I'm a very good son but, I am very appreciative of, my family because , for me, I'd really don't think like


the the way I grew up the way I was brought the way I was meant to think or the way I think now is solely because of how my parents decided to, raised me and the choices that they make or be it during my growing up days they will not always like there because they were busy working but along the way they always find


found a time found the effort or make make even the smallest thing that you will find it significant to change it into a learning lesson to me or maybe find a way to impact my life in a certain way, so my views on the world my views on the community society my views on finance even sometimes uh my views on work ethics all came from them so


the person I am to them now is because of them lah and I'm the only child so, like, I really don't owe anything else I I'll be how how do I phrase this properly there's no one else that, I owe my life to other than them you know what I mean ya


so that's one uh, secondly is actually the opportunities that came to me in life this is something I was really like, kind of shocked about because, it's like, I I'm like the most appreciative okay this a bit like rubbing my one shoulder but I'm like the most uh appreciative person that I know or that I personally know because anything and everything that comes my way I see it as either a learning point


or cross road or checkpoint or milestone means I don't reject opportunity the moment it comes I take it, you know some people say like you have to choose your your you make your choices wisely and stuff like that but to me, I feel like not everybody in the world will get the exact same opportunities that you get you had to get you know that kind of stuff and I realised this


when I made my decision to JC because, as you know I didn't really do too well for O levels lah and uh I was really inclined to do something in poly and the thing that I wanted to do in poly was engineering related, right and if you know me now I'm far from engine and engineering person right so


the the but, I didn't do so bad such that I'm not able to qualify for A levels at all so my parents again number one thinks I uh, grateful said that eh not everyone can go to JC okay I'm not going to put a debate on whether JC is good or not but what I'm trying to build up to something here so I said eh not everybody good to go a JC don't you want to give it a try


and then you know they they even said like if it doesn't work out for you you know at least you still have a bit of a buffer period to go and figure out exactly what you want to do next so I was like okay fine you know then I choose JC and when JC came then I was like !aiya! I'd almost regretted my decision but after the two years of JC after moving on to NS and then now in uni


I realised whatever that I've done today would have not, been what it had it has had been if I did not make that choice because if I was in engineering I will not gone to NS as early as I did I will not have an interest in marketing as early as I did I won't have worked as early as I did and I wouldn't have pursued what I've been pursuing now


as at least I did so , the opportunities one thing it opportunities that come my way I take it and I'm just so grateful for the universe forgiving me whatever opportunities that come my way and , because of that I've kind of learned that I will never let an opportunity go so I love the opportunities in my life that's number two


number three, is uh, can I say , I don't know I I I want I want to say something a bit more grounded uh


I guess my driving I didn't have driving license , I don't know okay ya I know I've I really love like automobiles and cars and driving, right cause, I just don't know why there's so much, meaning to my to my driver's license number one


I paid the entire thing myself and I was, like as a person who really love driving and really love cars and everything , I was really patient with it so I what I initially I had only like I wanted to force myself to cram everything in three four months get license and then straight away just get a work


but I had two years to take all my lessons and learn driving not because I failed you know because I spared my lessons out ya so, at the end of the day then when I got my license I got it on the first try thanks, now pat myself on the back ya then uh


then, somehow or rather I felt like, that was the first time in my life that whatever effort, money I put into something the commitment it kind of be worth it in the end so the driving license to me is just, not not


uh it's not it's not just because of driving but it's my first milestone in life something that achieve independently and the benefits of having a driver's license as many people will noise, it's very great lah so driving license what I'm grateful it taught me a lesson that if you want something and you really want it and willing to go the extra mile for it and wait for it it will come to you


bam good answer right , , eh what are you waiting for ah what are you waiting for, ha okay okay


okay move on move on pick the next question,


oh ha I think you know mine, you don't mind right I go first then should I go first, still the but obviously my most memorable you ya ya so okay for the record like okay so me and duck we went to shanghai and that was the first time I did a


so called work of business trip uh and it was six days or seven days was it six or seven days six days, shit it's six days right ya ya so


that the thing that made this whole thing like really memorable right was just how it started to how it end that was and the entire thing was just a journey lah basically for one right you told me within two weeks uh eh you told me within two or one and a half weeks before the thing actually happen


right something like that, but I know this timeframe was really short, it was very short I think it was two weeks or three weeks something like that ya and we had school, so, ya ya so so you like (hmm), ya ya ya so that means which was more important ah school or these uh fun work trip for six days so you just you just went on the six days ah so I just on the day itself I think the day before you told me the next day I have to give you the answer whether I wanted to go or not right


that was the ya the next day ya so then , okay so then we accepted the thing we went on the horrible horrible flight which, okay I don't know I shouldn't shouldn't even like think about it lah that our flight were just horrible for six hours


uh but okay anyways long story short I think it was great because one it's my first time into china two the experience was amazing because, uh outside of work to get to experience the culture I think even during the work process itself lah I had to learn a lot of new skills on the spot and interact with the locals which was very cool


uh my perception of china before I came to china was, like, totally different from the actual experience itself ya and then a lot of people will say like oh it's a city you know this kind of stuff but I think it was amazing lah like


come on man I mean you see the the airport has like six hundred gates and like !wow!, insane, ya ya, is crazy is crazy uh, you know that do you know that I work


ya ya ya and it's in a full size train lah it's not even like our skytrain kind kind of a train, that was crazy then uh what else ah what's the most, memorable thing other than the things that you've made me eat lah that one is the topic for another day lah ah


what , uh what else ah oh ya it's just it's just amazing ah I wanted to really go back but then, like I was actually planning to go for a trip, before the exam period came again but you know lah COVID then, pop in ya ya ya ya ya eh you eh you ah mister world wide


, (uh huh) oh yes


ya ya


wait wait you want it was initially going to cost you four K, oh one point four but it ended up to be four K, oh okay okay !oops! okay k k k not that's not too bad


ya ya ya ya ya ya


a damn okay okay okay, ya, ya ya definitely lah definitely, ya ya ya ya


ya ya ya I know what you mean ya ya ya oh must be great then ya okay


fuck finance, alright okay you wanna start, uh


okay okay err alright I just want to ask you like you have invested in the stock market right, and so like what do you look out for when you, you know pick up stocks in the stock market


(mmhmm) yup (oo) okay (mmhmm) well


the way I pick stocks is I guess I'll look at two things uh one is the fundamentals of, the company like, err let's take it like, Wee Cho if I were to choose one now I wouldn't choose APPLE APPLEs are very overrated stock so I will choose some


they like err, okay let's say NVIDIA NVIDIA is not too overrated but ya it's a hot thing now but so I will look at the fundamentals of NVIDIA and if it's all good like year on year I see you know earnings in their


uh ya I see increases in their earnings year on year and substantial and at the same time there is a momentum in the way they earn , and that shows me that you know financially they're financially sound lah they're fundamentally financially sound so that's one then the other thing I will look at is the technical side of things meaning you know when you open up the charts and then you see where where's the price at right now how has the price reacted so far


so price action they call it I will check, check it out and see where's a good optimal point to buy in because you know you wouldn't want to buy in where yes it's a good stuff but you wouldn't want to buy in when it's at its highest you know not not


you could call it yeah capital appreciation I mean, uh as I grow older then I'll think about dividends but for now it's capital appreciation because I think it's quite quick lah it's quite quick, so that's that's what I do for stocks although I'm not into stocks right now you are I understand SIA and stuff


okay


yup


oh ya equity one hundred ya, (mmhmm) I see then ya


no sorry you say first then what, so okay then I would ask you this like how would you uh find yourself at a point where, you are ready to explore new stocks what would what would be at defining or turning point that you realised okay maybe I can actually explore into something else right now other than now what you've been doing because so far gap uh correct me if I'm wrong what I understand is you like


certain things like you appreciate, the stock I mean you appreciate the company that's why you go for the stock, right so that's that's the way you go for it and you're anyway and and and that's true you know because like uh, like what warren buffett says you know you just buy the things that you use if you use apple buy apple if you use colgate then obviously you buy dairy farm yada yada so


always my question is like to people like yourself is when would it be the next step for you or is there a next step, I see ya (mmhmm) (hmm) I see I see I see


I mean like just, no I'm I'm at no lah I've no update please I have all this knowledge but I have not been truly practical I've been doing something else so like ya but anyways just to what you say


you know like you're just you're just taking kind of a back seat and just seeing how things goes for the stock market right then wouldn't what do you think so far of the COVID crisis affecting the the market so far what have you seen what have you understand and


with this understanding if there is a similar event, what would you do okay


I agree, ya ya


so the experience so so so far in this case what you're saying is that okay you you took you took the action you went in you knowing that COVID was something uh something like, more of like more global than like okay yeah it's definitely more global than the economic crisis in two thousand seven to two thousand nine and you decide to take action about it and your experience is you just hope that


okay this is reassuring if I really you know find this journey fruitful lah like where it any you don't even care how much you earn too much but of course you want to earn something lah, so so


figure it out along the way okay,


oh okay then, what about me ah , I think err I think the the biggest take away about these kind of things right as okay we're getting the part where we are financially invested into something already that means either forex or stocks or whatever whatever instruments right I think what's important and I realized right is the the emotions that we go through


you realised right that once you put in that trade you you just tend to look back at okay how's the price doing how's the price doing how's the price doing and stuff , ya so , and the things I the the things that I've been doing like


uh it's more fast it's it's ooze way volatile so it it really jumps up and down really pretty fast that sometimes your heart just !phew!, just like that you know so I mean that that's the thing so as long as I I did make err you know of a sound trade or a sound entry into anything like as long it's it's of sound mentality and because that's the most important thing of any financial strategy it has to be sound but it has to give you an edge so


as long as I do that then I I I think my biggest take away is not to be emotional just be you know okay I did this right everything checked out go in, and even if I lose it's part of the game I'm meant to lose I'm meant to win it's just over over you know the long run when things uh you know I have that edge so over the law of large numbers I I should win like you know uh sixty five percent


winning rate ya sure I I I'm I'm meant to lose thirty five percent I guess so like you know, but as humans when you see the price go up it when you see the value USD some more go up and down !wah! when it goes up you feel !wah! you feel really good


but when it goes down !aiya!, it goes down and you think like crap did I make a good did I make a good trade or should I should I you know like increase my lots just to, Tahan for a while or like, you know you know so and then that's where I realised I lost


a lot of my I I busted a few accounts like because of this exact action like you know allowing myself to take more losses just to, uh not to hit the stop loss lah but I tell you if it's if it's meant to hit a stop loss it's meant to be err so


by allowing myself to actually lose , sorry by allowing myself, to actually move my stop loss I suffered way more losses as I mentioned and that created an emotional barrier in my head you know to trade


ya so I I you know it creates a form of anxiety like you want to put in the money then you are not sure eh are you going to trust yourself or not so this and that lah so my biggest take away at the end of day is you know whatever your emotions are you have set a system you follow that system almost religiously


like yes you can play smart if you understand the market a bit lah if you understand the price action you understand the news you understand certain things, then you can make some discretionary trades or you know entries, at the end of the day you know if you set something you have to stick through it like you have to have a plan and you've got to stick to the plan the the most important thing is to not you know not not to deviate from any plan that you make so like in in your case right I would I would say that your plan is is more actually more


it takes a lot out more from you than me, I would say because you are riding the time until it really really booms again because I also know I tell you first the the airlines ya the airline will come back and singapore yes it's an infrastructure despite what crazy spending they have and the all those


you know cuttings of their jobs and and and stuff so , but you have you have a bigger emotional roller coaster than me you have to ride up and this is I think what's important for any investors to understand is that when you make investments as much as you understand certain things you got to hold to your gut strongly as long as it's sound as long as it sound


then you got to hold to your gut strongly if you know that it's a losing truly a losing trade or losing investment then you've got to let go, so and the then again and when you define that, investment as a loss is you had a plan at first so if you had a plan that okay if the price goes up if the price goes down okay I'm buying at this price alright and if the price goes down from here


means something has happened and there's a reason why the price would have gone down yeah maybe because it has done something wrong or financially it's not sound anymore and you would have set that goal so it's like uh for example how much you buy SIA at, , like roughly what's the price uh okay just give me a price I guess


okay so three hundred and fifty per lot so I guess, ya sure for sure so just look at the price if you bought it at three fifty then what would be uh what would be a uh a price to you that you know that this is definitely a losing trade what what price would you set of


ya like a ya (mmhmm)


ya I I do get what you mean I mean I I I definitely agree with you like you know you should always like, like as much as possible be in the almost complete control of your money lah like trusting someone is very different from trusting yourself sometimes you don't trust yourself that's why you trust other people but when you really understand one thing is that uh you know


when you you when something goes wrong you have the almost the ultimate control you have the final say, and that's why I feel like investors do it yourself because as as the said mention as I as I was mentioning about you know having a plan, when you get to when you decided this is the time to exit at this certain price for you have the control other people will like try to talk you out with like !hey! you know like sign you know some some like uh what they call themselves what financial consultants all of them they'll say you know it's just meant for the ride out it's meant for you to ride out but


sadly you know it it yeah I've seen the performance itself like yes you know anybody can be wrong even I get me wrong but you know you also show that you want to just change someone's mind I I think you know that's the scary part of finance sometimes


okay, negative experience, okay this is err awkward to start, okay I'll just


now let let me take the lead because you've been taking the lead okay but err okay let me let me take a look at this questions let's see what's what's fine enough to talk about, uh , what is a popular trend that you dislike oh this seems like


uh okay I'll just go with this what is a popular trait that I dislike, tiktok do you okay like honestly like, okay I'm a guy that uh when when so many thing something is trending so much right I I'm not the guy I'm not definitely the first guy to just jump into things and you know go with the craze as as as much as you know popularity comes by you're the first person blah blah blah you know I I dislike certain things like like


tiktok and all these like in a way yes I do enjoy the, videos but to to to to be almost religiously following as a social media , I think that's one popular trend that I don't find myself comfortable because like uh number one it's it's really just distracting


right and because some content is really good that yes it's it's too good to the point that you just want to keep scrolling and scrolling and scrolling and I already have the problem with facebook so let's not even let's not even get with tiktok so that's one thing and second thing is like


you know like I have, I just think that, if the more I use this kind of thing the more I will, create this you know the dopamine, addiction, you know then it it it prevents it prevents you from you know just doing so much more because it was you get all these dopamine from


just watching videos and and stuff like that like you know like there're way more better things that that gets you that on dopamine like even reading a book do I feel way better reading a book than actually watching tiktok videos so, but the problem is you know it's it's always on the phone your friends are into it and you you got you know you want to talk


to them you got they will say eh did you see this video I'm like err I've got no idea what you guys talking but just show me just show me I'm like oh yeah that's cool haha funny ya you know sometimes I genuinely laughed, and it's funny like but what's negative is like, is like


like I see them go back into the video like I see them go back and they scroll and scroll and all they talk about is video but , but I just want to talk about like, what's up, you know like like you know I sometimes I wish the world could go back without technology sometimes like just some light for a split second like for my own selfish thought I just want technology to just disappear like we can just go back to campfire sit down and talk like a big experience and like you know you know you know just ya so that's that's


that's you know then I would almost blame all technology right now but, ya I guess one thing I I hate is that I dislike right now is like you know tiktok and its other kind of forms lah basically dopamine addiction lah if I were to be very detail, so that's one thing I really don't like


cause it disconnects me from my friend sometimes, yeah, what about you you want to, yeah uh okay ya ya I see


oh is it okay, okay


(ppc) ya


, okay okay okay, I see


!oho! do you okay okay


oh !wow! classic, classic ,


understand understand, ya I do ya (ppc)


oh seriously okay okay, (hmm) (mmhmm) valid oh okay okay okay


ya ya, I see


, for sure for sure,


I see, !wah! you must have feel cheated indeed man like I can understand what uh you're going through like, uh not truly but I can understand on some level because uh you know we bear the same colour in a way right


so, you must you must have felt like why isn't opportunities being opened up despite my passion and loyalty you know it it it probably it it is really a negative feeling ah that's all I can say like it's pretty much, very disappointing ah


you know and they may have their reasons you know I I choose to always believe like uh they may have their own reasons lah but uh all I all I hope is, I just I just hope that, whatever decisions that, you know the people up there had made it it make sure it benefits us lah like it really defence us and it really you know does as well lah if it's it's really beneficial then okay


then if it's effective then okay I I I I'm I'm fine but until today you know we never get the exact matrix so that's that's you know that's one thing lah, so , I mean since you already settled down with an answer in in yourself I don't know I can't say much I only can empathise with you lah so I hope it is I hope it isn't what it is but you know at the end of day let's just let's just hope let's just hope we are speculating let's just truly hope we are speculating maybe there are bigger reasons


that us that are unknown to us,


maybe that's part of it right and and then and that is why you know it's negative lah and you know it it you know people can see in positive people can see it negative it it really doesn't matter but, there are times where this kind of thing are definitely negative like it just leaves you hanging like like like I also had a similar experience in a sense that like you know I try to apply but


I just felt like you know there's a there's somehow a reason where I may not be able to I don't know lah you know there's this thing lah I also went for the compass test this and that honestly I found out about my compass test results I had a I had a inside friend so I did find out and I honestly honestly I was really good at flying when it came to the the the


metric for the flying I scored really high, but air traffic control and the the the other thing , I crack the few place lah if you must know , so


at the end of the day like, if, it's not I mean at the end of day if it is what it is it is what it is lah maybe we're just not meant to be there lah but I guess that journey of not being meant not okay if the journey of being meant to be somewhere else in itself can be like a bit uh you know


very very , it's a negative journey lah so if you feels negative like oh man I really want to do this but are actually meant for something else only when that something else come then we would see this as positive but until then it might be viewed as negative lah so


ya


, ya, in a way yes it is it would have been different you know if you want what you got whatever you wanted you got it like we we wouldn't even be here you know so


yeah, anyways uh okay let me share mine like err, when what was the topic that we started with oh fit uh treated unfairly right so okay I'll just share NS experience for sure right so long story short like I was a sergeant but then someone else was supposed to be a platoon sergeant like NS platoon sergeant but he he screwed up so I became the


NS platoon sergeant, so things were okay at first like it was it was actually positive experience cause like these people what I want say you should do it you should do it, but what's worst is over time as like I worked with the regulars and now I have to work with them and you know I I wasn't sure of the things like you you'll never clear off you know as much as you get into it you'll never clear right you you never know exactly what you need to do you just do your best to fulfill whatever instructions given down to you you just fulfill first maybe that's the role mah


you see you'll never know that you have to strike a balance at the start you you have a sensing but you you don't know what's the balance yet , so I was going I was going through that and like since I was I was doing my own I was just doing what I can but my own specs I felt my own sergeants lah basically


some of them really felt like the way I acted has been unfair to them or like you know the because I got into power that I I see things differently you know that whole thing like a power changes a person , I mean yes it does change a person but to be honest it doesn't change me like wanting to hurt anyone what I I I don't want to stand if they said they feel hurt lah I mean no I mean I never I was never out to hurt them I was just there to you know


give instructions get things going on in the in the absence of the platoon sergeant lah and you know you know there were a lot of backstabbings and it was almost a racial discourse because one side was chinese I'm the only indian there was one more indian lah just two of us versus this whole gang so sometimes I felt really unfair like you know


I I'm not in it for the power I'm just in it for the experience like I told myself !hey! I want this I want to be in the middle, I want to understand things so yes I was in there but I realised the challenge was maybe, you know managing other people which was and when you got a really unfair approach like oh because you know you like that already don't listen to us you you are you act like Macam regular then I felt like new no man it's just I'm just I'm just doing what I can man


so it was tough lah, but did I get over it I got but I just wish I didn't had that experience because it was was really ugly lah I really wanted to bother my NS friends lah but, towards the end towards the end okay lah not so bad lah forgave each other and this and that so ya


positive experience


and and you know that's that positive itself already so I love it too ya, ya ya


three things are most grateful for life stress okay , okay okay okay I'll I'll just go through, slowly I'll just let my my heart open and just talk about this lah ah so I think the the first things that come to the first thing that come to my mind when I'm I'm


truly grateful fu is like grateful for is my family lah like yes my family you know in all family situations we've always had our tough times right like it can it's you know you you share the good the bad and the ugly so


I I'm just grateful to say that so far like, in the last !wah! I don't know five ten years or whatever it's it's been more of the good like ya sure there's some bad but it's been more so it's been more of the good, and you know it's very nice to see that my family like uh


despite the age they are still smiling they're still kidding around and they still having so much err I mean it's just it's just a very warm thing to come back when you see my when I see my parents smile and just talk nonsense about among themselves and to see them care for each other


like I don't mind I don't mind their attention not too much towards me I I'm just fine with that I as long as I have family happy family to come back to right I think I I can do a lot of things in life lah so that's that, number one grateful for my family, number two I guess it's


I guess it's being in singapore, you know yeah I mean, you see that's the that's the thing like we in look like as I look


forgot the window I have a freaking uh you know the the LRT system right there you know and I've been depending on that for my secondary school so like this number one you know the infrastructure in singapore whether it's education, or housing or defense you know we've been through these three


mainly in our lives and I think, I think that, as much as we won't get that independence once we're eighteen or twenty one like in various other countries and you know that looks very liberating but yes yes we're very sheltered I have to agree but


am I am I in black there are way more people out there in the world that prefers anything like us and I've been able to grow comfortably you know and you know being able to grow comfortably means I don't need to suffer so much so I can focus on learning and exploring other things because I have no need to worry about


survival so I'm truly grateful to honestly be in singapore and, it's it's just one of the, one of the great I mean I don't know how life would be ah if I was in, you know I mean like the whole world, you you were born in the little red dot like seriously you have a freak you haven't find it in the map you see and you're born here so I I'm grateful what


(mmhmm), right do you see that and that's why it it really bags the question where sometimes like what is your purpose what are you doing here


maybe you should make the best out of something so you know so that's the second thing I am grateful for then I guess the third thing is just the , it's just , , like I'm grateful for having an open mind lah


and if it's I I don't know if that's that's another unorthodox answer I'd say but having an open mind or, you know it it makes you understand, things better okay as much as at the point of uh at a point of contact or, speech or whatever you know emotions ride up may be good or bad it depends but


you know if you choose to have an open mind you realised that okay sometimes you really need to see through what is this uh information that's coming to you so when I had an open mind you know like not all the time I have to say but when I did, you know it's it lead to some profound things in life which you know I you know somethings is just when you understand somethings it's subconsciously just it carries on with your life so I think I'm only here because I decide to understand a few things than what other people say like oh you don't care what they say just go against the flow you know this and that but


I think having an open mind and not wanting to not wanting to create conflict is like one of the things I'm grateful for lah, which has led to uh almost peaceful life for me lah, so, ya I think these are the three grateful things I can think about for now


what about you man it's yours your yours will be interesting too,


, ya (mmhmm) ya ya


go ahead, okay I see


I think that's a really good answer like where I I've I honestly I honestly envy that uh you have a driving license , why am I waiting for I'm waiting for the february of seven lah which I will share with you later why lah but it's it's it's not relevant to now lah


you know so, okay next question, uh (hmm), okay, let us go with, uh describe, one of your most memorable travel experiences bro


ya go go ya ya,


err I think it was six days eh, ya six days cause ya ya ya ya six days six days ya ya ya, cause it than short


oh okay okay okay, ya we had school I was asking you to skip school , ya I think so


oh ya they had six they had a lot of gates oh yes yes yes oh my god, it they had so much gates that they had the the sub the sub the the train service the MRT train ,


hashtag


uh I see I see yeah COVID has been has been a real bomber to plans man , it's true and out turn out so many me ah, uh we stole , bro I only within I've only been within asia and australia so like I'm not mister world wide I'm like half I'm mister half world half world


I think my definitely my most memorable trip is , the the trip up to the base camp in Nepal, uh that that was, that was that was intense that was really intense like as much as okay so, the decision into okay I must tell you (ugh) the decisions how we arrived at this so first of all like uh you know I I just had like


and all like thinking that eh I just want to see mountains man I want to see snow and then like but I I I knew that some places were really expensive to go to so like I thought like !hey! how about you know I tract cause I I do love to tract I I I, I enjoy walking long distances just walking and walking for hours and hours and then you know just by walking for hours it opens up my mind you know I need I I think being as a scout this happened to me so like as much as


the initial walk would be like oh my god what we're doing but now that I'm in it then I will start to you know my mind wanders around and you know everything everything is different lah so okay then somehow I just I I just thought of nepal and then I you know checked out the the track and you know what I just


so a lot of photos and videos about it I'm like okay this is where I want to be like it it was almost as simple as that I just I just want to see this man I just really want to see this so propose my, friends !hey! you know graduate what you guys up for it I think it's pretty cool like uh you know it it cost fair it costs like about okay I expected like one point four K but then it turn out to one point seven but you know it was a very fair experience so this and that and then like


no one point four, it ended up to be one point seven, ya ya !wah! it's four K I I think ya so it wasn't it wasn't too bad dude like uh I mean


and yet it was a very interesting err you know for the price of it ah it's worth it lah that's all I can say so like, when I decided to go for it internship was over and I decided to go for it so,


all I can say is that the track at first was like okay it was you know is I is I think you went with your best buddies and you know like, okay first of all ah we had to go to KL so when we go to KL you know as a transit and you know the fellow really had a, biggest issues like we were at this gate and we have twenty more minutes and we're thinking how come the gate not open and then we suddenly see the gate change all the way to the other terminal dude so we ran in our hiking boots in our hiking gear we ran across the to another terminal it's like running from terminal two to terminal three do


in ten minutes, continues running, so was that a test of fitness I guess so so that's one, that's one and then okay then after that uh the track, up it also blah blah blah we got to we got to kathmandu I got sick because it was too cold but then when we finally started to track everything was okay and the weight on my back was killing me like I I actually I'll share with you later a link


uh you can go read my my whole story you know it will really highlight what I'm trying to say, so the track was really hard the track was initially very hard because I I'm not that strong I'm I'm a I'm a small scrawny guy at that point of time you know so like I'm carrying like way more load than other guys like because I was too I I


bad , so this and that so the climb was hard like it was so hard like I think the first night or second night I I think when you saw a shower right we just drop by and cry in the shower, like why are we doing this go everywhere in so much pain like honestly it's it's a six hours of continuous climbing and like you got so much things on your back and it's like ya lah you haven't go NS but you went to NS already you know what I mean


so, yada yada when I finally you know as I see the sceneries change that was okay then it was more rewarding like okay I start to likes my body started to get used to it over the days and by finally just about to hit like, when I really hit the the base camp right I'm like ah


finally no I finally see this the moment I went up those last few steps I hit base camp, you must understand its altitude signals there but I just I just couldn't worry about it I I I straight away cry lah because like okay I told myself !wow! duck finally you're here after three months


(ppl) I tell you that that was that was, that was that was that that was a defining moment [lah]


okay uh, you mean from the, oh


one finance related topic, uh okay so okay, so <P1>matz</P1> do you have any


personal insurance (mmhmm)


ah well for me ah as well err my parents do have personal insurance for me uh as also for my family other family members like likewise like you for health care for, for my education my life insurance also et cetera


so ya, so ya


okay for me likewise for currently for now because I think I'm still studying so for me err CPF it's still I feel like for me it's not really, err, it's not really working for me right now because I'm not working full time


so since I'm only studying uh my CPF is only used to like deduct for my school fees and all which my parents are usually are the one who know much more better, but my thoughts on like future use of CPF I think it is it is possibly beneficial or somewhat enough to cover especially having to have like medishield medisave like all those ordinary savings account et cetera


so I think having those it is enough but if let's say there's like a extra coverage like this type of insurance plan that my family have with me I think is better in future ya, how about you what do you feel about (mmhmm) (mmhmm)


err I think ya I mean I also agree to it to a certain extent also like especially like okay like for example, err since now like if let's say I fall a sick or what then I go polyclinic and then I see a doctor so for example if you see the bill will be like just a doctor consultation will be like fifty dollars but after like government subsidy will be just like thirteen dollars


so even though it's like a huge difference but, err having my like my family having all these insurance plan I'm able to claim back the amount the even the thirteen dollars like I go and see the doctor consultation I'm I'm able to claim the amount back if let's say I go visit the doctor so I think


on top of just having uh government like the CPF uh coverage I think having a side like personal insurance also helps you in another way or so lah so even the money you spend you can get it back, cause, in singapore to live I think money is essential


, err I mean it will go back to my like the medical under the medical


so called the medishield for me somewhat like that, because like, like err certain things like when we spend on because there's a lot of like savings account or whatsoever so we have to ensure like the money that we take out from that particular bank account it should be returned back too ah so that it doesn't have like any so called like err


err less amount that kind of thing or any like bankruptcy happening ya, (mmhmm) ya (mmhmm) (mmhmm) (mmhmm) ya oh okay err I mean


for me I think I also would opt out ah but uh because since , since for my family wise we actually we are under uh great eastern uh company like insurance company so like, my even my medisave err medical uh benefits like what you've mentioned like the hospitalisation like choosing like because if you like for example if let's say okay like touch wood lah if let's say I I Kena like hospitalised or something then if let's say I want to get into a private room or whatsoever


I'm actually able to take the so called like a private room because, err my my personal uh insurance company like my family has is already been covered by it, so like it's so called I have the like the route already like the way for me to get what uh my family is supposed to get but however obviously the


the thing is just that every month my father has to pay the a certain amount for the insurance a monthly fee kind in order for the insurance to like cover for us lah for each of my family members so, I think err there's both ups and downs for having a personal insurance and also like the government subsidy so ya


yup, well I think do you get insurance when


uh term life insurance ya can (mmhmm) (mmhmm) ya (mmhmm) (mmhmm) ya


ya I I also agree like having a whole life insurance is beneficial because it's not, only uh that the coverage is for lifetime but also the, as along the way as you are paying actually it's


it's actually more expensive than term lah like that one we can say like the term uh the term uh insurance, but actually it will give a benefit for us that, at least the insurance will be covered for lifetime so if anything even err for example you get into a car accident or you fell down you broke a knee or a ankle it still covers there rather than having this short term cause to think about it even though if let's say you pay for each month for the term insurance you are paying


I think you might pay much more than like uh for whole life insurance even though at the end of the day it's just give you the same amount but rather than that you just opt out for a life insurance for whole life insurance to cover for you, ya but (mmhmm) (mmhmm) (mmhmm) (mmhmm) true yup


do you want to talk about, life term and investments do you mix


the, insurance, (hmm), okay do you mix insurance and investment or do you keep them apart [orh] okay that's an interesting, question buy term and invest the rest do you mix insurance and


do you keep them (hmm) insurance, ya honestly because, insurance, I think the word insurance and investment even though it sounds like a bit, similar like people might get confused because


investment you are putting in money onto something and then like you are getting the profit or the you gaining back the money after you have, after you have the profit you know that kind of thing so you're investing on something you're putting the money in whereas insurance also


you're paying like monthly for it but it's covering for you I mean depending lah like you get the whole life insurance or what it's covering you for a lifetime so it's going to be there always you know ya but I think it should be kept apart it shouldn't be like, buy the term and invest the rest


I think I wouldn't invest on insurance, if that's what they meant in the question (mmhmm) ya ya true


how about question nine though what kinds of insurance are essential for people of our age, I mean to think about it, okay why is that so


(mmhmm) okay go ahead (mmhmm) yes critical illness ya ya ya I I ya


I agree there also like health insurance is very important, because I mean, currently I mean due to the COVID nineteen pandemic also and I think we singaporeans as I mean just to make it generally lah living in singapore I think the amount of health


risk in singapore like chronic diseases diseases and illnesses is rising and I think there's like a statistic whereby you know a lot of youngsters are like smoking then having this lung infections and all that I think health insurance is really very critical for


for our age like us like twenty years old students who are studying other than that I think life insurance also because you'll never know when's when your love one will leave you so I think that is also very important as well


so err but ya I think these two things is very critical for our age right now, ya (mmhmm) ya (mmhmm) (mmhmm) I mean


I mean at certain age maybe because err I mean obviously as as a when you like have a own family or currently like now our parents their main thing is as a parent they will save money for us in future so whatever they have they would want to pass it to their own childrens you know


so I think their main goal is to as long uh like give sufficient amount of, money for their own kids to survive in future and and to build on from there ah so I think life insurance it depends, it depends on the family members this one this thing is like I think would be much more private much more confidential to families in themself rather like health insurance it's much more for everyones like I would say it's compulsory ah because to think about it maybe some of them they cannot afford insurance but I think it's better to make it


mandatory or essential for everyone to have at least they have some coverage for them you know rather than having them to choose whether they want to have health insurance or not ya I think that's one thing that, we have to take note lah ya how about you ya


what do you look for, uh what question is that sorry [orh], what do you look out for its, for in a an insurance agent


[orh] okay that's a good question, I think, I would really ask like how long uh because I I mean it's about also trusting your agent knowing that, they wouldn't scam you and all because in singapore there's a lot of scammers as we know like a lot of people getting caught for being scam online or et cetera so I think one thing is the money wise the monthly payment and all these the monetary value of it and also the coverage of the


insurance ah I would really ask about that things how about you


okay ready part three negative experience in your life okay, ah, do you feel like crying matz,


did you ever have a pet that you love or lost is it that oh my god, can say oh my god


ya oof thank god that's nice that's good that's nice that's nice very sorry for them


no I don't have a pet I I, I've phobias k because I think I, my mum I mean not say I dislike them I honestly love them but I think it's a phobia of me because my mum told me that when I was young I ran out from the house


ran out from the house I don't know which level I went and then I go knock on this person house I didn't know whose house is that I just knock, kid and then they had this like big ass dog like they had a dog, like like huge dog


like I I, no no no I think I think it's a golden retriever or something, ya it it ya so I think the, gate was open so I was I I think I was quite small I think I was five years old or something so the dog saw me and then it pound on me it just pound on me and then I drop down on the floor and then I got scared so ever since that day


I I have never touched a hamster or rabbit because I'm so scared that I feel the heartbeat of it and I will just let it go, like (ugh) k ya so uh ya, I mean I truly love a cat lah truly I mean I love I truly love cats and dogs


like uh really a lot but I don't own one, which is sad, but I think there's this particular dog that I truly love and it unfortunately passed away because err my boyfriend's dog, err he


ya so uh <P1>ramu</P1> is actually is a street dog ah so it's a street dog so since young , my boyfriend's family took care of him and then after that


when he grew older he got these like allergies skin allergy and all that and apparently towards last year I mean like last year towards july end they found out that there's ball stones in his stomach, there are stones in his stomach and it was very terrible his skin his fur all was coming out already and the most it's it's so heartbreaking because I mean I never see the I never see ramu like uh since young it was because I know my boyfriend like


quite recently like two years back only and then like, whenever my boyfriend used to take him for walks and all he usually video calls me with him like with ramu and whenever I talk I like say hi ramu and all he usually like looks at me and then like he will try to like come to me like even though I'll be scared but I'll try my best to like you know sayang him you know but it was like


when he was gone I I swear like, I don't know my heart just drop it's like I love him so much like even though I'm not so close with him but he treats me like as if I'm his owner that kind you know, ya it was so saddening, but until today I truly love ramu


he was the best dog, ya don't cry I'm not, cry ya uh elephants also k


(ugh) okay I saw this question and I don't want to answer it okay no not that , no I think you know, I think you can read it out, okay that's one but not that


uh particularly no no ah oh my god


okay let's skip , I think I'm choking I'm choking already, (ppc) (ppc) , have you ever wanted to get revenge what happened that made you feel this way


I think this is much more funny than negative honestly , I'm not an !wow!


so it's a her , , your ex best friend will not know this you know


(ppc) (mmhmm)


wait wait so is the guy is the one who tell you, ah manipulated you're very kind make it or break it ya okay


honestly I'm not that revenge type of person I do not know why maybe I'm too dumb to get into revenge , for me basically I just believe in this thing ah like, because I'm a person who never never want to do bad things to someone or harm a person in any way I honestly I try to make everyone be happy and when they are with me I try to make them as happy as possible as much happiness I can give them give it to them


but if someone were to take err like were to do something to me and they want me to fight, them back I will don't usually do that because I'm the type of person who think whereby why must I why must I stoop down to their level you know that kind of thing


so revenge technically is not in my plan ah but I have a lot of incidents whereby people bullying me people, talking about me behind my back but, usually how I deal with it is I


I'm a I'm actually a very emotional person so I tend to like break down myself but after I break down that's when I get stronger I get to think straight like I don't have to do this why must I do this let them be that like, so I mean like for example because my name is


a bit different like from many of them so when people try to learn mock my name and all I just, at at the beginning of my younger age I was like very affected by it obviously ah I like hated my name you know I really hated my name but then as soon as I was growing up I was like I learned how to love it I learned how to accept it I learned how to ignore those things because eventually people'll get sick and tired of you know


like come on how long are you going to do the same thing like making fun of, me eh eh eh like come on , like like you will get you'll get tired already so, I just, ya the best thing is to just, ya


but like what you say lah if let's say something like , people were to take revenge on me or to hurt me and then, if let's say someone were to tell me are you going to do a revenge or what like what you say karma will just do its thing obviously I believe in that I believe in karma like it ready does happen


so , as long we, and as an individual person we know how to behave with everyone, err like my father usually told me this like, whoever is it your enemies also back then or what you just respect them you acknowledge them whoever they are wherever you are


we treat them with a respect and the respect you will gain it back and that feeling you will get it it's, very respectable ah and that's what I I would really say to any of them, yup okay what a time


is there one thing you wish you could change err, (hmm), what do you often worry about, do you want that or, oh wait what kind of person what kind of person do you hate the most


this one is expectations


like what you say ah uh manipulative brainwash that kind of person I really I really dislike, and I also dislike I think this is like based on my personal uh opinion, because I'm a person who


who really cares about my own feelings likewise I do about for others like others people feelings do matter to me likewise mine as well and I don't like it when people when I'm there for them or when I'm able to listen to them they don't bother about mine


they don't take my opinion or my ya my my I hate selfish people I hate unfairness people like people who very unfair, err I think I think this is quite common lah because being in a


especially I think gender or female male that kind of thing it's a very common thing to be unfair, , in this world so I really hate that, , and another thing I think, delusional


I really hate like those people who take advantage of some, one ah ya because, if I if if I were to make it because I I'm a person who like make it make things clear and if you take advantage of the fact that you want to use me or whatsoever I think it's it's really really bad ya


ah ya ya (mmhmm) ya multiracial ya ya true agreed


ya can can thank you


part, two positive experience in, your life okay okay ya you should go first ya you should go first ya


I think ya uh somewhat similar also with my cousins and all but I think the most memorable moments for me uh would be the time I spend with my grandmother unfortunately she passed on already err, about twelve years back


so , but I think with her that's my most time I spend with her during my young times like she used to, err she used to stay in the same house as me like currently currently now I'm staying in this house err so every night uh she used to do


for me milk like she'll use to do like two jars of it and then like come at night and then she'll like watch her, indian television show from like sun TV, like literally, I don't know if you know or not you know Kolam like the sun TV show oh my god


ya , ya and she used to like she used to watch it and then she like will force me to come and watch and then she'll drink for me milk and all, and I think, ya and whenever she have nightmares or what then she will call me because back then when I was younger uh I used to like sleep in the same bedroom with my two other brothers so she used to stay in


one of the room ah so whenever she have nightmare or what she'll be like, before she even sleeps she'll be like can you like come and sleep with me tonight then I'm like okay sure , ya and her food her food are divine it's like very nice I miss that but I think that's the most memorable moment in my my younger times lah because


I spend more time with her than, I spend time with my own parents and with my two other brothers, so ya yup uh okay let's talk about (hmm)


[orh] okay that's nice, I, want want die die I want to do skydiving, I really really want to go into adventures like travel around the world, , like travel as many countries that I can uh but now thinking about it like


COVID I don't know how is it going to be like I think I have to wear mask every time like going overseas, but I really want to travel and , I think there are, certain goals in me that I really want to achieve obviously personally for me I I don't really say out my goals because I have like a inner belief that if I say it out it wouldn't happen


uh I mean not not not all of it not all of it but certain of it because I think it, it's a goal that I set it since I was a, young girl and I'm like really working for it to come through and each step as I take I feel like it's getting closer getting closer getting closer so I want to make it like suspenseful yup how about you


oh my god ya ya ya, to crush tomatoes I err


wait let me ya


okay oh what is the nicest thing someone has ever told you


what is the nicest thing someone has ever told me, to think about I've totally forgot like what are the nicest thing , , cause it's like in and out then I'm like I only take in the bad things I'm like [orh] you're annoying you know or like oh shit that's only the thing is there


I mean but it's true you know like, I don't know why it's like always the nice thing will go out from my ear and then the bad things only will stay in my ear, oh, ya because the nice thing you hear ah, ya oh


okay I think this is, I think just me in myself but I've also err I think a lot of people have also like tell me before, not a lot but those who are very close to me, that I'm always I'm always very bubbly I'm always very


kind also but I think most of all I'm very caring I really do care about the people, who I even if I, even if you like treat me as a enemy or whatsoever, but even even after that I still care about you uh if let's say you are someone that I really treasure you with all my heart my soul and whatsoever I really do care like how much you have been into your life and accept you for who you are I don't really judge people just by their past so


I think that was one of the nicest thing someone told me whereby I don't just judge them for who they are or who they were, but rather I accept them and be with them happily, ya ya


thank you you're very kind as well , okay


you ask for this you ask for this,


can why not, it's a positive experience don't tell me you're not going to say it on a negative, yes yes


like normal,


describe a moment when things turn out better than expected I think, I think I would really say err, when I thought that, I cannot be the person that I am, like err how do I say this like


when I didn't believe because I'm a person who really believe in things very well like in people or just by my I'm a like a believer so , when I, there was this moment when I believed that


I will fight for myself that kind of thing and when I did that when I stood up for myself and fight for myself for fight for what I really want, and, I turned out to be better honestly I felt better than expected because I thought it will going downhill it will just crush me again


but it really like turned out to be way better cause I changed to a completely better person in life, yup


err personal growth I think when I hit puberty, I mean it's true what personal growth like come on uh okay lah aside that lah personal growth, okay I think this is really something very emotional but


it's something that really made me grow into this person, because uh I think you also know uh because after my O levels I, I for that year period of my O levels I put in a lot of effort and et cetera et cetera


but I I gave my heart and soul to it and then, turns out the results is like so different it's like very unexpected it turns out to be worse than I thought I couldn't accept it and when I like started to breakdown and grief upon it I think


I think that's when I realised that, I'm not I don't give up easily that's when I realised that no kay swee doesn't give up easily she works hard, for it even though I fall I would get back up I will do it again and move on and find ways


where I like truly belong, so when I when I know that I truly belong in polytechnic and like I really wanted to go to polytechnic because I was working towards, something that I know it's hard, to get but it's not impossible to get


so with that belief in myself and with that determination I think, I didn't give up and that's when I realised my personal growth in me that's when I wanted to fight and, hit towards my goal that I really really want to hit ya I think that's when ah I hit my personal


goal how about yourself (mmhmm) (mmhmm) (mmhmm) ya


ya , yup, I think we can go for one last one maybe, what are you thankful for,


I think that's that's a nice way to wrap up, ya what are you thankful for, quarrels (mmhmm) that's nice


what am I thankful for, I would say I'm really thankful for myself, because , every single time I whatever I do I I realise that only I am the one there


like be it in the exam be it in anything that I do it's, everything it has to do with me, so at the end of the day you know when people say that you are the one you can save yourself only you are the one will be there the end of the day I think I really have to thank myself


for my heart especially my heart my beating heart, my heart has been so strong, uh yes a lot of ups and downs but ya it has been great man


oh part one finance wait ah topic


okay yes I have but it's under my mum so I'm not ready that uh experience with the insurance policy and all, but most probably is around uh hospitalisation and healthcare so ya what about you


ya okay let's


I think the best topic to talk about is, err number six, do you think CPF insurance coverage is enough


ya, okay so


my views are actually like, part of it is, beneficial for us which is what you say is true that in the future it can help us but right now it's not really that beneficial because our parents are the one are mostly taking care of it for us


but my thoughts on the medishield life, it's kind of like, it to me is not really like beneficial because like, it only provides basic coverage for


err hospitalisation fees so for example when you get hospitalised you only can cover a certain cost and only for like those normal like bedding and stuff like that, which is what the government could offer but if you want like private rooms or anything you need to actually


like, fork out more money and with that medishield can't really like you know, cover that which is something that, to me it's like, for those people who are who wants like private rooms because they have like critical illness and they're not able to afford is kind of like not beneficial in the future also


and ya kind of kind of that what do you think about that


so the money you get back would you like put it in your like investment or something or would you like, okay