where we are today is all because of hard work like your hard work mummy's hard work, ya, easy way out ah


positive experience, okay, dad you were an athlete when you were younger right


so what were your most like memorable moments, in that field like athlete


uh I I think you have to mute yourself, ya okay


uh ya


so it motivated you because you won


for me I mean I'm still a student but uh younger days at primary school, uh in primary school I was in a few CCA's I had indian dance I had choir uh for me is for you you're an athlete but I was more of a singer I loved to sing and I think I sang very well also


I like since I was in choir it really helped me uh build up my vocals and everything and I sang in church I started singing in church uh, similarly like how you won and it motivated you I won a singing contest and it motivated me


so I won uh first prize for a song I sang and like it just motivated me to sing more and more and like also get closer to god that way and like


after choir, in primary school I think in secondary school I joined uh a uniform group it was girl guides you know that uh ya, so that was really memorable for me because like


I was a leader in the CCA and it just uh taught me a lot about responsibility and how sometimes I have to take responsibility for things that even I didn't do wrong


so like I and like it also taught me how uh to lead a company, uh, and it just made me more discipline, ya, so


I remember you said you have like, a lot of pets right when you were younger, so tell me about like the memories you had with a pet


, oh


oh,


oh ya furniture moving right, ,


, so, like


what what then what did he say, ya did you did you take care of the dog, my then uncles never ah


, so I know you have your like own career already but do you still have dreams and goals that you wish to achieve


ya ya


ya that's true


but do you have anything in mind like do you have a desire to achieve something


for me I'm just gonna like focus on my, like ambition now is just to work in the lab since I'm studying biotech I want to work in a biotech lab, or uh


hopefully I can work with like singapore cancer society examine the cancer cells and everything, hopefully I can work there, uh that is actually my dream and goal for now maybe after I have achieve that I'll think about something else like that I want to achieve


ya, so I'm still, just focusing on my studies


oh oh I need to get mine soon , (ppc) oh those days it was sixteen the legal age oh


oh, he thought you were in lower sec is it


ya I need to get mine soon already nineteen like gonna turn nineteen, ah , so what do you love about life


ya right I think we have the same mind


ya ya, use the use the stress to achieve something or like put pressure on yourself but good pressure not bad pressure


ya, ya


ya you will look older if you're not happy you'll look older, , so talk about a time since like you've been through so much in life right I mean


ya so talk about a time when you've experienced like personal growth


, what about mentally like like uh growth like on your character or like like just your mental health like how do you go about taking care of yourself


since you've been through a lot of stressful moments, yes I know


, , ya


(mmhmm) ya


, so, what is your favourite memory with me I always wanted to ask you this


one I don't think we've ever talked about it, eh then now , , so what did you like


ya ya , , my favourite memory with you is always, like like you said like when we just have discussions and when we when we have mature conversations like not all father and daughter have this kind of conversation so I feel like more than a father you are like a friend to me so


it's very nice to talk to you ,


ya that's true,


so what is your favourite food


right , for me it's it's always mummy's, cooking is like the best like cannot beat any food court food or what, ya ya


ya Pati'S cooking was like the best, ya if there's no meat also it's like !wow!, ya


ya bond over food is better, so what are you thankful for in life


ya , Ish cannot hear this , , ah I'm thankful, for everything in life also, gratitude is very important


twenty twenty eight


with oh finance


I have one uh, which actually covers uh, my life and uh especially critical illness also, err and it's actually err done by my company and I'm just playing the premium to through my pay


okay insurance is actually uh uh it's up to the individual, err to have a coverage say like if you want to


uh, just in emergency say something happens to you at least your loved ones are taken care of with them the money which is uh compensated by the company the insurance company, so this will help the family to you know run continue running with the same err financial


it's not free it is err we still have to pay the premium through our pay


yes that's right so I mean insurance you there are a few type of insurance lah but uh I mean this is from the from the group insurance which I'm which is covering myself


CPF coverage CPF insurance coverage is actually not enough, okay err, because it only, uh you must have a personal insurance uh which will cover your life and uh with uh especially nowadays uh sales


actually uh those critical illness you know like cancer, uh, heart attacks, you know uh, other things major illness and usually all company all the insurance companies have this uh product


which they call critical illness insurance you see so uh if you buy that uh not say buy that if you have, that, as part of your insurance it'll is better because even the moment you are diagnosed


with this illness one of these major illness the company pays you you see, the the maturity sum, which is okay


uh you still can apply uh you can use your parents, uh as the uh, you can use your parents' name they will buy on your behalf, and then the moment you let's say you hit twenty one


they can write it back to you and then you can continue the insurance, ya, ya I mean if you don't want to I mean your parents still can pay for you that is a mutual agreement ah, parents still can pay for you but if they say okay you are old enough to pay for yourself you can continue paying ah on their but they're using the same product ah


because if you are they there's a legal age for, uh entering into a a contract agreement ah the because insurance is a contract agreement you see


so to there's a legal age for it so so singapore legal age is usually twenty one


err ya your but nowadays err there are a few ways of , getting your product I mean getting this insurance there's a banks uh also start to sell, there is a brokerage firm which is also selling a lot of products they have all the whole line of products of the insurance products or you go to a splash particular insurance company like AIA great eastern you know prudential


!huh!, or AXA because these are some companies which you can get the agents to uh service you


you I mean to look out, you actually you will not know until the agent meets up with you, err but usually most of the agents are well trained, to service uh clients with uh the products


okay so uh the best is if you have a friend, who is an insurance agent that will be much more better, so they will they will uh try to, cater to your needs you know cater to your needs


which is what you want maybe you want a saving plan okay so there'll be endowment plan you know they can they will cater to your needs and say okay okay stephanie you can have this plan uh which will only like it is a saving plan which you can withdraw the money after some years


and at the same time you still have your insurance coverage, you see so which is better thing because you can, err you in between every three years or four years you there'll be a lump sum given to you which you can spend for your holidays and everything


you know so other than that if not if you don't want that you can take a term that means uh it's a insurance but you pay for ten years then after that you don't have to pay then it it covers by itself, because of the cash value and everything


you see so there's a few products so usually the agent will, explain to you what are the products and what is your needs and they will cater according to that


for you actually you can take a life insurance, they should cover whole life uh at the same time the life insurance uh, is cheaper the premium is cheaper now because you are young, okay so the premium usually goes up by according to age


when you are younger and you don't have any sickness and anything you're healthy the premium is less the moment you get older, and err you know you have some kind of sickness you know chronic illness then your premium gets higher because you have there will be a loading on your premium


so the best age to enter into a insurance contract is when you are young and the life policy is uh is cheaper one, but you can have a, long term but high insurance coverage also and at a cheaper rate, by then as you go by you can also take up another insurance like a saving plan


for education plan and you know so that you can in between you can take the money to use for your education payment and your college fee or whatever


mine is a uh I have a group insurance uh so which is premium is very low there is no cash value, okay because of my age I'm already above fifty so uh I have another one which is also a a personal insurance but that was a long time ago one


so which is already mature when I was fifty five it's matured already alright so that is already matured but now I still have my group insurance which is still covering me lah


for me is term life insurance because I'm already old and uh you know, I if my premium if I were to take an insurance now my premium will very high if I take a whole life insurance, so for term insurance the premiums are much lesser because there's no cash value you see


so like for you you you take a whole life ya that's right but if you feel err you are cash tight you know and you don't really need the cash but you want high coverage then you take a term insurance


it gives you high coverage with premium, but, err you know but there's no cash value that means at the end of the day there's something must happen to you to to you know to take that money or to use the money


yeah we had a we had a child insurance, at , that that is still running lah, yes, , but that is a small one lah that's a small one but


you know ya, no it's it's it's like more to uh uh when it will mature when you are and you hit twenty one you know


okay investment linked policies are usually err they there's two type you can use CPF, to buy, and you can also use cash okay and usually CPF


there's two type because its CPF we have err ordinary account and uh, special account so the ordinary account you can use for high high risk products, okay but the special account is a low risk product that means you cannot use it for high risk okay because err the reason being I think is because your special account is already earns you four percent every month


and your ordinary account in the CPF earns you two point five percent so uh maybe that's one of the reason but uh and this all this is controlled by MAS because, uh they don't want the people to use lose their hard earned money because CPF is your actually your hard earned money uh where you we contribute to put it aside for your


uh, actually for your retirement but taking that out and investing is a risk actually, to it can you can even lose everything if your product is not the correct investment product


ya usually uh it was previously sixty two now is sixty five but I think it will still go up further maybe until sixty seven maybe


financial plans because err CPF ah okay we have a minimum sum CPF minimum sum which is like an annuity the government has planned uh and it will pay you a monthly uh, monthly money to to carry on your life with a what you have you see what you have been okay so that but actually that is not enough because


uh if you look at inflation uh because every time the money's uh value is going up and I mean the cost of living is also going up so err, but uh by inflation actually let's say today's


uh five hundred dollar, in ten years that five hundred dollar is not enough, you know so in ten years it might be maybe one thousand dollar then is equivalent to today's five, five hundred, you know so you need to have


one thousand dollar, instead of five hundred dollar today, you know ah, so there's inflation lah so err what CPF is going to give you might not be enough so you must have like insurance which will help you


private insurance which will help you to compensate all this thing and you know to run your life normally because, no not really because it depends it also depends on your lifestyle


you know, or if you spend a lot and if you want to continue that kind of lifestyle


okay for me I uh there's two things because I have a house, okay so I presume that my children when they get married they have their own house, so with that uh I have I I have four bedrooms maybe I can even rent out my uh rooms to have a rental income that's one thing


on top of the CPF uh which is uh the minimum sum which they going to give me, so all these included I think I will hit at least uh three thousand three thousand easily per per month when during my retirement which is enough


which is more than enough I think


ya it also depends on what kind of debt they are in if they say like credit card debt, and everything I think the best solution now, is to go and get seek an advice from the uh debt


uh there's a organisation which is helping people with all these debts credit credit debts go and look for them and uh let them handle this thing rather than just paying okay let's say minimum sum is let's say you pay the minimum of your credit


so it will never finish because the interest is always higher so for your credit card the best is to uh pay up as much as possible as fast as possible because the interest is very high, so those people who are debt in a credit


they must uh either they pay up uh fast if big big amounts or they have to look for the uh counsellor credit counsellor to take care of how to pay up all this thing


credit card yeah is is actually good err if you need to use it for like uh emergency not, daily like if you can spend it we can use your cash use your cash okay because using a credit card is uh there is interest involved


it's just like a loan okay so unless you monthly you pat up to zero your uh dollar zero zero it again instead of having debts in your, uh credit card if you can do that every month let's say you spend hundred dollar on the credit card straight away within once you get your pay you pay the hundred dollars and make it back zero then you can survive if not it's going to be a debt


and it'll it keep on increasing because of the interest, investment err is a gamble


okay investment is a gamble, err there is no hundred percent guaranteed uh saying that your investment will make, okay if someone can if if everyone can invest and make everybody will be investing to make money instead of working


ya so uh investment is a gamble and uh it is there is, ya and there is a risk factor always involve in investment, okay , so you need to be very careful you need to be very careful when you invest you need to


err so called err make sure that you know the company you're investing in or if your financial advisor and your the financial uh , uh company which is handling your investment are very good


in investing their products and uh gaining some uh I mean income I mean in profit asset, you know instead of loss, so you need to choose you need to do your homework lah to find out who are good


yeah that's right you need to do do some research, uh I have already invested so uh it is ongoing thing for me, so uh I don't really intend to further invest now whatever I've invested I think is enough


anything else you need to know


how about yourself you what do you think


uh that's a that's a good thing that's a good thing you should uh keep your mind open and uh you know uh try to do some research on all this so that you can know what is the right move you have to take


well you can always come to me or you can come to me or you can go to a insurance agent, who you trust in okay or the banks can also advise you, there are a lot of banks which are also now handling products insurance products investment linked products


you know so you can even approach them


you will do invest in uh investment linked or your, just do a insurance, it's money it's money, because it's your hard earned money ,


so that is the fear which everybody have you know so you you take the risk to do it so you always take a low risk


negative experience


oh okay , mine is actually uh, I was involved in an accident, car accident ya, that's why you shouldn't know, okay because


it was uh but god was working there at the same time because uh, I it was so lucky that uh, there was a tree which I, actually when I jammed on the brakes of my vehicle, I


skidded and bang into a tree, because right after the tree is the canal, okay, so if I didn't hit the tree, my car would have gone into the, canal okay


and the canal is very deep, so uh this is one place uh one situation, uh but, I was lucky I was uh able to come out of the vehicle even though the steering was pressing against me I managed to release the seat back and then I came out of the vehicle so I was not trapped actually


uh so I managed to came out but that uh, but and and I was able to move so only the the vehicle was uh quite badly damaged, but I was very thankful to god because uh, uh the car didn't go further than the tree and and drop into the canal and if you would have drop into the canal it would have been worse than what


happened, okay this is the most uh, I was actually ya then, helpless and then I was shocked in a shocked stage you know, no no uh, I was alone driving but people start to gather around they were they were are you okay are you okay you know so


uh I was quite helpless actually uh so people start to gather and then then I was in a still in a stock stage shocked stage you know so uh then I okay I cool myself down and then okay what should I do next you know okay get the


get a person to tow the vehicle you know and because you can't drive already because it's already quite badly damaged so you need to tow the vehicle okay then get another get uh inform the police but actually there was no other people hurt in the process


and the tree was not so ya so there was not uh much of uh public uh damage also that means you didn't damage any other public properties you see so you are okay so you don't have to actually uh report to police but I had to report police because to claim insurance


so okay that is why I, I had to call the police say you know and then make a report so, so that was one situation uh, I actually I had two that was the first accident which uh, then another accident also


which made me uh helpless because I was sandwiched in between two vehicles, , ya so these are the things which uh make really make you, ah in a state of shock because it's done, shock sudden


suddenly because you were driving you know, with nothing happening and then it suddenly it happens, you see so these are the things which actually makes give you shock and uh, uh make you look helpless helpless you know


cause I I also find it that uh your MI experience was good for you because, uh it also helped you in your first year in poly


well err, I'm a very uh, brave guy and I don't shed tears easily , okay but uh I cried uh when my dad pass away


ya okay ya, so that that is uh only the most sorrow thing for me because uh, other, other than err my siblings I'm the only one who worked together with him


okay uh, because we had a family business and we were working together, whereas all my siblings were not in the company except for myself and, my dad you see, so I'm the most closest to him and err losing him was a very great loss


for me and uh until today uh I still remember him and uh, always uh, remember what he says, you know, you have to work hard for everything you want


okay you want to achieve something you have to work hard


ya you were young when he passed away , so just what do you worry about


I mean uh it is not a worry actually it's uh, you don't have to worry as long, ya, ya that's all you need to be focus on and uh you need to make sure that you get your facts right and then you know


spend your time uh, useful that means don't unnecessary spend your time for something which is, uh, not useful for the your education you know so, if you do that if you stay focus I think you can achieve what you want


, so you don't have to worry actually , yes I do I really regret,


because uh when I finish my O levels, I joined the family business, you see so I actually didn't further my education, uh but I I had a chance to do diploma because my grades were uh enough to do a diploma on uh


graphic three D graphic design, because uh my my actually my ambition was to become a, architect and uh my technical drawing is I got A for it, okay


distinction and my art also have distinction so err my goal was to become an architect but then because of the family business uh, and my siblings who didn't really got was interested in helping out


family business so I my dad have no choice but to pull me, so that is one regret which I have because I couldn't further my education, because uh ya but well at the end of the day I learned something also during my


the fourteen years uh in business, I learned how to do business and learn how to manage certain things, so it I didn't lose much but uh I still miss achieving my my goal my dream dream job


ya it's not late but by achieving my diploma and my degree I can do that


but, it's just for achievement but not for any uh monetary reward, like, uh being joining the workforce at this age I don't think is a is feasible also


err sorry again your question, looked down ya I'm not saying looking down but not looked down actually err because they they think they are better than you that's all


you know uh they think that they are better than they, so uh to me I don't I don't really feel that thing being looked down because I know what I'm doing and I know what I've learned and I will take do all means to show people that


I know what I'm doing and I'm doing it right okay if if is if I'm not doing it right, I will always ask, to learn and to do it right, , so I don't feel like you know people really look down on me because uh


I've didn't experience that before


on that note uh yeah I mean as a minority being an indian of course you'll lose out, on a a lot of things but uh if you uh if you really want to achieve something


you have to compete and you have to be good to achieve it, so the hard ya, because because you're a minority you have to be you have to be right on top instead of in the middle


you know you have to be the top so that you can qualify if not no, because uh if you are in the middle and you still qualify you are still consider, second class you know so, uh you need to achieve things to the top so to get to get yourself there


ya even though our our singapore pledge says equality


race language and religion, but still uh in the real world it's different, it's different okay and I think we have experienced we have our own experience in uh all this thing


(ppc) ya but , I mean it also depends on your circle of friends who who you are with, okay err so if they are, uh as long they are not racist and everything you are safe


and uh, also they they must be just like you thinking that, you know uh, we can achieve whatever it is, you are if your group is in the same channel


okay the same frequency I think you can make it so that will be a good thing, instead of being you know uh, looked down on and everything


I don't really get angry that fast but ya, ya I'm a very patient man uh, uh, angry is if uh, uh


if someone don't follow my instruction of course I get angry but I I will tell them tell them to do it you know in a proper way I will tell it then tell to them I don't show my anger but instead of that I will be more firm


and uh that make sure they do the things which I want them to do


, ya I mean I was good in soccer, so but actually I wanted to play I was almost in the national team uh under sixteen selection I went for the selection actually but I thought was able to go into the selection but uh even there as you say racism


and everything is involved and we are minority, and everything and uh, uh so I didn't make it in the selection, so that is one thing which ya, ya so because in fact is uh #fandi ahmad# was in that same group of selection


okay , so uh if, if I would have been selected I'll be playing together with #fandi ahmad#, so that's one thing which I regret but


uh I overcome that because err, life has changed and life has to go on, so you cannot be uh, you cannot just oh oh I can't become a national player oh my life is


they finish you know we we still we cannot be like that we have to move on


ya because when you all are young, you wouldn't know what I have done but there are a lot okay, uh, my transaction from being a boss, to being a worker was a very difficult path


uh, with a very small income, uh I, I had a lot of troubles uh meeting my meeting the needs I have to even move to a rental flat just to make sure that I can, it's uh I couldn't even own a house


then slowly when I managed to get a house so all these are minor minor things but which I overcome because of, my, will uh, willpower you know, so which also not be myself but also god with me so with god's help and with my willpower together


with god's strength uh when we manage and overcome most of our difficulties and, I know where you will know where we are today because of what, ya


so uh there is no uh, nothing is easy ya there's nothing which is easy you gotta work hard bottom line is work hard for it and you will get it, if you put your heart and mind to it


twenty thirty seven


positive experience


I was a long distance runner during my school days, okay and I used to, train, uh in the beginning actually I didn't train properly so then when I was interested I train with uh some of the national runners


uh that was in #toa payoh# stadium, okay my training centre was #toa payoh# stadium, and then even my school uh sports was also held in #toa payoh# stadium


it's quite noisy , , okay err so , I so when I started to run uh long distance I was uh I hit I I was I came to know that I'm good in it because I was uh most of the time winning the race


okay so err so I, train to get better in it, you see, sand and then uh uh they had they held the cross-country uh, uh run in macritchie my school did the cross-country running so we ran uh and I got first in the cross-country running


there was a ah I got first and even in the group uh group team team group uh, category we also got it first because a few of my colleague my not my colleague my classmates also came in right behind me so in a group we we won the group and the group we also won the individual and then from there the interest was uh there so I started to competitive uh running so uh


ya, I won so that I uh went uh during the sports days so I usually I run a thousand five the eight hundred meters and the four hundred meters and uh usually I will win because you have that during uh


I think maybe I'm I was good in during the extraction but then I almost hit the national record for eight hundred meters uh for schools, okay, uh it's a few point something seconds only uh I lose out on the to qualify for the national


national record so then uh, uh okay but then during my sec four time uh I also won the individual champ for the school, you see so I I won the all my medals they were five medals on that day


the sports day all gold so because of that they they chose choose me for the individual champ, so that's uh one of uh my best experience uh during my school days uh younger days


we know


ya we our first pet was a a dog, okay uh I had the dog uh, we called it tiger, so that's why some of the our relatives used to call uh, uh


grandma tiger grandma you know, because we had the pet named tiger, so uh so some of them will call her tiger tiger Pati you know so that dog was uh uh it's a mongrel dog it's a mongrel it's a mixed mongrel but it's a very smart dog and very fierce uh if but it was it not that big also it was small


so but in uh it was a very good experience with that dog then uh so it got older so we had to, you know uh, uh let it off we actually put it back to SPCA then I we got a, a german shepherd


after that german shepherd and uh, uh a shaggy, so that the shaggy we we it lost we were because it ran out of the gate from the house and then didn't come back, ya


ya so it didn't come back I think someone is because it's a very friendly dog so either, anyone can just carry it away and take and keep it in their house it will not make that, so much noise , so that dog is


uh then the german shepherd was with us until we shifted to a HDB, so then we had to uh put it back to SPCA to, sell adoption so who take care


I mean you mean who take care of the dogs or what, ya ya I'm, uh main guy to take care of the dog and uh, plus your grandma, okay two of us but uh most of no no


cause they were more attached to me, and uh, that's why I'm the one who usually give shower them you know feed them and everything so when I come in uh they are very happy


ya of course uh we, I will I always still think that it's a there is a, chance for us to study something new every day, and uh, I'm always prepared to learn something new


and uh, because I always have a open mind, you know, so that uh whatever comes uh, to learn new things we will we have to put in the effort to learn it, and then because


uh learning will never stop, until you until you are you to your last breath you know, learning will never stop so it's it's a new experience it's a new challenge everyday, so uh if you will say


what I like to achieve well, there's no end also, you can achieve anything if you want if you put up put your mind to it


not really uh actually my my plan was to, uh, invest in properties and everything, so but I'm still learning how to go about doing it


the other experience uh good experience which I, had during my younger days is uh, getting my driving license you know, uh, because when I, mine when I was uh I got, mine when I was sixteen those days


when you are sixteen you can apply for driving, and I was the ya sixteen ya, so uh I managed to get, uh my driving license when I was sixteen I in fact went to the test centre in school uniform you know


and the the instructor were tester was !hey!, you're from I say ya I'm, not not because my secondary school we cannot wear long pants, we are supposed to wear short pants because it's a private school you see and we're not allowed to long pants


so the when the tester saw me he was eh you go are you primary school eh you are you in secondary school or not then I said ya I'm already in secondary school you know so uh then uh, I went through the test I was surprised I I actually passed the test


then I came back and told my dad you know told that your grandpa, uh uh dad I passed my test, !aww! he was so happy and then I mean he was, very happy then the he said okay come let's go for a drive you know straight immediately he asked me eh come let's go for a drive then he I I drove his car


then we went out because that was uh very uh, memorable moment because I was the first one in the family I was the youngest, but I was the first one to get the driving license, you know , ya


I just hope that you will get your driving license just like me , , uh life is actually it's not about love or


about life but you need to love your life because ya you need to love your life so that, ya you need to love your life because you need to be happy uh you have to make it happy not depend on something to make it happy, so you must your mind need to


focus on certain things and you you need to make yourself happy because uh that's how you have to live, you know, if not you will be, depressed and stressed out there is stress always but you need to make good out of a stress you know instead of


taking taking it in a like very ya, yes, good pressure ya that's right don't uh overdo it also you know uh if there's pressure we must know how to take it and at the same time know how to handle pressure in the sense that uh don't go and uh


uh, you know have a breakdown instead of, just taking it slowly one time one at a go you know so that's how you have to go ahead with your life, if not you'll get older


fast faster , , ya you get older faster


oh personal growth is usually uh when I did some courses you know, and uh achieving passing the test for the courses and this is usually always uh uh, up, climbing up the ladder you know in your in your life achieving something every time you learn something new and getting through it with a pass with a certificate which is all achievements so when you achieve something is will you are happy you know and that's your life growth


not say life growth I mean your you when you achieve something you feel that uh you have learnt something new and you have done it you know like oh very good you know you you can be proud of yourself


ya because I've been through a lot of, in life actually I think uh you know but uh just just for the record you know uh I've been a boss, in my beginning stage


of a company and I also I'm a worker now, for a company you know so two different stages and the transaction was not easy, you know but I have to accept and go ahead with it


if I didn't accept if I couldn't have accepted it it will must be it'll make things much difficult for me to run my show, you know so since I was able to I mean to accept that life has to go on


and uh from a boss, of a company having hundred over workers, then becoming a worker to a company, uh it's uh, it's not easy but I made it because I had a open mind okay so you the the bottom line is you must have a open mind in whatever you think to do but you must know what you want to achieve and you go towards it work towards it


if you work towards what your achievement


uh I mean when you were a baby lah of course, , now you're too grown up already , no uh we I, still, uh we I still uh enjoy uh talking with you because uh of course we always we have uh we always have discussion and we have


uh uh, good conversations we always have you know we go out and we eat together we always discuss, not about only uh education or school but also other things we talk we used to talk so, uh my experience with you it's always good and uh I hope this will carry on


and it it will carry on and uh, I hope that we have a understanding which will make us, good humans you know


ya ya because that's the that's how you should treat your children because if not you cannot get because if once you don't treat them like friends they will start to keep to themselves, and hide certain things so you must make sure that they are they have a open mind so to share things with you whether it's bad


or good or wrong or right they are willing to open up to you to share and with as a as a father or as a elderly figure, uh you should be able to handle this and talk to them and comfort them and give them ideas or you know tell them what to do what not to do


in a proper way not not in a harsh way you know, that, uh in that process they will learn


oh food favourite food of course uh, indian food lah because we are indians okay uh so indian food


I mean same here same here it's same here mummy's cooking is one of the best, before that before that it was my mum's cooking , eh, ya, okay even even if it was just a vegetarian cook uh meal it was also there it was !wow! you know


, ya that's right, so I mean food is one thing which also bring people together


well thankful for a good daughter and a good son, and a good family and a good wife of course I forgot to mention


so the we are always ya we need to be thankful, for everything, ya, okay because that is the reason uh you we also learn what is in church today grace and how to be humble, so humble being humble will be


okay done okay, financial related products ya eh sorry topics,


okay yes <P2>has</P2> okay so we shall stick to our topics as a predefined earlier ah before this meeting ah, okay <P2>has</P2> come let's discuss, what does investing mean to you, yes sir


in general in general yes in your opinion in general correct, (ppc) right right right correct correct right right right I see (ppc)


right right right right, kay right, so kay, can I share okay ya so in my opinion okay right now we live in a world where investing always means allocating resources


IE money in order to generate more money that is the world that we live in now but I believe ah there is more to investment uh sorry investing than just using money you can also invest your time and effort doesn't have to be money as well so for example


, right now uh what people would say eh if you invest your money ah can get more money but a lot of uh , financial uh articles financial blogs ah from experts they say that as you when you just start up working right actually investing your money ah it's actually not a good idea why because


in order to make, I mean bigger profits right you need bigger amounts of money which unless you are born with a silver spoon you obviously don't have that much money to begin with right so what they actually advise ah is to actually invest not your money but invest your time and effort into upgrading your skills


so that in turn you can earn more money, and with that more money finally you can actually go to investing with your real money in order to get more profits lah so I think , in my opinion now I think people should be more exposed to this certain thoughts ah whereby it's not it's not just about investing money but you can also invest your time and effort lah


ya so that so that because a lot of people I know just started out they want to learn but !wah! suddenly need so much money to start I don't want to invest so I think they need to have a certain shift in their education ah so that they can actually uh get people more interested in investing and not just using money but also time and effort in order to get that money lah that's I think it's my opinion lah


right correct yes


alright man go for it, getting getting old ah,


okay I currently invest my CPF money I try to play it safe because CPF have certain schemes right uh where they offer to the layman like myself to invest the CPF money in addition to of course the interest gained you can also earn actually extra uh


income lah by investing so I use my CPF I invest in equities ah, uh I believe equities is a no brainer especially okay I'm not saying it's a no brainer there are risks involved but I'm saying as a layman if you look at the market right


traditionally ah traditionally, the stock market will rise up will increase as well as the equities so if you if you if you plan a long term which is what CPF is you plan for the long term, in the long term your money will, increase lah so that is why I invest my CPF in equities ah and you know just to share my just my one or two cents worth ah on on on the CPF investment scheme I believe


it is actually not a bad uh scheme mark I mean compared to other countries I'm not so sure about other countries but I believe uh Singapore's CPF scheme is uh a good a good retirement uh so called, project lah for Singapore citizens lah and I believe


as long as you got work as long as you got CPF contributions as long as your employer uh contributes uh to your CPF and you know you maintain a good health uh you you keep fit you can live up to I don't know maybe eighty you know by by fifty five you can uh actually cash out the excess cash right so I believe


uh the CP CPF investment scheme can actually enhance that retirement uh package like that you have lah you know I think that's that's my thoughts ah but of course having said that I believe CPF investment scheme can also uh improve lah, , maybe they can start with maybe giving those who are who who are financially savvy to actually withdraw some of the funds and invest because the CPF investment scheme like I shared they actually


focus on the laymen like myself, but for example financial experts like yourself you know who dabbles in the stock market you know what stocks to pick you know you study the markets how it moves so probably for people like you right there should be the option where you can actually withdraw


the CPF cash so that you can invest, and you yourself can actually enhance your own uh retirement portfolio lah instead of the government helping you I mean that's about growth mindset right I mean government always want us to upgrade ourself want us to learn ourself don't want to handhold us we're not a social state right so I believe CPF can like government can do something about the CPF scheme lah


what what what what what about you bro where where do you invest your CPF money bro can you share with me bro, right right yup yup right yes kay


alright man come go for it, yes , well I mean uh everybody agrees I think everybody knows that investing and trading uh are not similar to gambling why do I say that kay because


investing right you are putting okay investing or trading you are putting your money uh in something that you know uh you have studied the markets uh you have the statistics to back you up, yes exactly that's the word certainty you okay I mean nothing okay there are risks involved definitely right there there are risks in everything that you do correct but


gambling you are basically, holding on to luck you know and and and I think what you mentioned earlier was the house always wins right in casino right okay I mean we don't talk about those professional poker players lah we we I mean that one also got element of statistics as well right


we eh we don't talk about those professional card players ah they count numbers one you know for example twenty one ah can count numbers that one that one is called cheating ah I mean, that's why casino always uh put all these cameras to see them so I think , investing and trading should not actually be uh put in this category the same as a gambling okay so because


see ah trading or investing right okay you are putting your money ah in how do I say this ah in tangible assets you know okay equities this equities ah they are all connected to companies so these companies right have, real people they have real assets they are running actual operations you see so there is no way that you they can run away from you I mean you know you ya correct but for gambling


you are playing a game you know what I mean you're putting your money on the on the card table, if you win you win [loh] by luck lor if you lose then okay that's it at least at least you invest or trade right you can do a stop loss, you you only have a pay per loss know you you you you can recoup your losses by you know waiting out the market but if gambling right the only way


you can so called recoup your losses ah is if you play again and you put your money again right so if you lose let's say ten dollars eh I need to win ten dollars more ah I put ten dollars lor, I lose twenty dollars, then next one eh I I lost twenty I have to put twenty !wah! is it all your loses go and go and uh accumulate but for investment and trading


, you can actually have a have a set control on it although I must say I must say in my opinion, probably financial instruments such as options are, maybe maybe that is some sort of gambling maybe why ah why do I say this because right usually from what I know my experience ah uh traders who train in options right they have insider information


this information is something that laymen, find it very hard to get their hands on, because they know the movement cause options about all about predicting movements in the future mah so if you got no information right, how you going to trade options right because options are like they have time limits right so !wah! within ten minutes you must you must make a move sell or buy


if you don't have inside information how do you do that right so ya so I think maybe options can be, classified as gambling in my opinion lah because I think it's an an unfair playing field lah , ya what what what what about you bro what what what do you think about investing or trading being similar to gambling bro


(mmhmm) (mmhmm)


true true true, (mmhmm) (mmhmm) (ppc)


very speculative ah very speculative ah, right right


right right right bro can I can can can I ask you a fun question bro , okay bro if let's say ah, you suddenly have a windfall of one million dollars ah , kay, will you invest your money or not and if yes how would you allocate uh the money


yup, ya sing dollars ah sing dollars , right right (ppc) yes


no I I've I've read about those but ah ya I I saw the name before but I never explored in that before ya, right right right right


okay for me bro one million dollars ah number one thing first I'll do I'll thank god for the, oh ya oh eh eh oh ya ya, okay lah, let's say let's say this is tax free ah let's say this is tax free lah ah let's say ah let's say okay okay honestly ah bro I think I will pump


eighty percent ah into equities why ah bro why ah because I want to have passive income ah bro I want dividends lah bro so so the remaining twenty percent ah I'll just probably save lah bro but eh bro but I like your idea on endowments ah I think that's a good way to actually uh leave a legacy ah you know to the community and also to help them lah you know I mean that we gotta start somewhere right


I mean we we need to build a a a a a wealth pool right and who who else to start right but those with money right correct, ya so I think that's a good idea lah but I I also am quite interested to explore shifting my money ah into all those offshore accounts ah where I mean this is just a just a just a idea lah let's say I one year got one million dollars ah because I think that one you can really escape tax ah


right right right, okay okay bro bro kay bro just to wrap this uh part on investment ah bro okay I want to ask you ah bro , if let's say ah you are just starting out ah in in the investment journey ah right


should you ah invest the money on your own, or you should or or should you actually get, a financial advisor to advise you uh on how to invest your money, and why you know why why or why not you you shouldn't ya


same , right ya golden chance alright great sia alright


okay hold on [ah]


negative experience in your life bro how bro you want to start bro on this bro, alright bro


(oo) (oo) betrayed ah bro oh , !wah! bro you, are opening up the wounds ah of my life lah bro ah okay maybe I can share with you uh one story lah, I


ya ya ya of course definitely definitely uh uh due to due to the safety ah uh we we shall we shall uh uh omit names lah ah bro, okay bro this one ah it's all about a girl lah bro ah it's all about a girl so I ya I was I was with this girl uh I was happy with her but at the uh towards the end of the okay lah I mean we we could see that the relationship


wasn't working you know so I told her this this was back in uh university lah bro so I told her eh no it's not working uh we are both students, uh I think we should just pursue our own studies first and then you know we can still remain friends and if uh things go well we can you know get to back together again ah you know I mean life life you you got a long life to go lah you only twenty what twenty one twenty two right so she was not happy with it


but uh I was adamant that we split so okay fine we split I mean you can't force people right and we are not married anyway so, and and she's a pretty girl she can meet other guys right I mean I also can meet other girls but then again I'm not as good looking as her so anyway moving on


I can still remember I, was hanging out with another uh, female friend okay, and I was uh in I was uh holding her hand we were in a very private space


and we did certain stuff uh as all couples, do what I didn't expect right guys was that the, next day the next day people suddenly message me you know the next day only the next day people suddenly message me


eh <P2>samir</P2> eh !wah! uh I I heard you and this girl boost hanky panky ah uh at at at, this uh at this uh place ah !wah! !wah! and like suddenly everybody know know but in my heart eh who who who who say ah how how how how come no no nobody told me ah so I actually confronted the


uh the girl that I that I ya that I hanky panky with lah, okay okay so my mistake was I didn't find out about the biography oh sorry I didn't find out about the the background of this person , this lady knows my ex girlfriend right and she actually told the ex girlfriend eh you know what I'm I'm with your ex boyfriend right now we are like doing some hanky panky lah


so and I I just realised one thing and she actually, uh , text uh texted the ex girlfriend like eh I'm doing this to your to your boyfriend right now and and and and I and I'm thankful that they didn't take any videos or pictures lah but ya lor that was the point where I think I felt betrayed lah like because of because of that right everybody back then uh thought that I was a playboy lah thought that I was a playboy thought that I was !wah! playing around


!wah! some more some more these two girls also !wah! also friends also !wah! then so I I leave this girl I go with your friend get I mean but actually I didn't know I I didn't know that she was connected to to her to my ex girlfriend you see so, ya right now I mean now I don't know where they are uh I I I wish them well but uh if I were to see them again right I think


I just ignore them lah you know I I I won't do anything ya so that that is my uh a time that I felt betrayed how about what what about you bro you want to uh share with me bro


, right right right,


right right right ,


, right


ya that that sucks man that sucks


right right right right right understand ah bro that sucks that sucks ah, okay bro maybe we can move on to the next point ah bro for negative experience okay okay you wanna ask me or I ask you you want ask me okay ask me come come come


!wow! okay I think again we shall dive, right right right , there's this one lady again uh we talk about ladies ah and uh relationships lah there was this one lady which I hurt a lot uh in the past she gave her all to me


and in my opinion I thought I give my all to her as well but what I did not uh, ah sorry what I did not be upfront with her is that, I only wish to date her and nothing else meaning I only wish to uh be seen with her you know to do couple things with her uh without any commitment she on the other hand was looking for commitment


so I didn't say I led her on uh because to in my defense from the start, she actually told me we were only dating right and she was dating other guys as well so in my in my opinion I was like okay and uh since you are dating other guys and I'm dating other girls we treat this as a you know a a a fling lah you know and and to to for lack of better word lah just a fling


uh but she actually signalled her commitment to me when she said <P2>samir</P2> I don't think I want to date other guys I want to date you only, kay me being the selfish you know, uh youngster back then I told her ya sure but in my heart ya sure that is your that is your problem lah you know you don't want to date right up your problem lah I want to date other girls that's my problem right


so I give her my all she gave she gave me her all but after two years right she was asking me so where is this going you know, and this is the part where I wished I could undo I I I should have just told her from the start look uh so and so actually I just want I just want a fling ah I just want to date with you lah you know I find you pretty


but instead I told her all things like I love you I can't wait to spend the rest of my life with you you know I I I love you I commit with you yes we even talk about the future about housing and so I had, to actually uh, you know cut her off abruptly I told her after two years know after two years ah I told her eh sorry ah so and so actually all this while ah I actually just want to date you only ah


can you can you imagine the the the pain the anguish the disappointment the anger that she felt at that moment I can still remember !wah! she cried she broke down and you know what's the worst she broke down at a public spot


and everybody was looking at, us oh my god I can still remember it was at Orchard back then lah uh I think there was no ion back then lah so it was Orchard so it was and and until now I I I I, still uh think of her sometimes sometimes I still think of her and she's she's doing well now she


she's married uh to a guy and I I I know the guy I I play football with the guy so and the guy and the and the guy knows about all these stupid things that I did with her and the guy actually , wasn't happy lah when he found out but under being the gentleman that he is ah he he despite the things that I've done he forgive me lah and I also wish him the best and sometime when I see him also ah because sometimes we do play football together sometimes I see him


I still feel that ya lah I I regretted what I've done lah and I wish his family all the best and if he wants to confront me you know what come ah I I I I I think I deserve it lah so ya so I think that's one thing that I, should and could undo lah if if given a time machine lah what what what about you bro


what is the one thing that you did in your past that you wish you could undo, (ppc) right right, yes yes bro


right right


, right right


ya, ya I I guess I guess that's the mystery of life isn't it like you you always do things but suddenly on that day ah you just never do the things that you are always doing it's it's it's like it's like then you you question yourself that why ah so I I guess I mean in my opinion I guess these are somethings that


are unexplainable lah you know that I mean we we believe uh in god you know we believe that he controls all actions he controls our will right so ya I mean we just in our in in our experience we can also we can blame on on on assumption but I think in a bigger picture I think ya maybe maybe


you know like for for your case and mine maybe it is meant to be you know I mean, ya correct lah correct lah I mean it's it's sad lah it's sad lah yes bro, ya bro come,


oh !wow! okay I think we are wading into sensitive territory here but uh maybe I can just uh cite one trend I think have you heard of the of of this trend called the cancellation trend the this cancel culture so ya so I


if I'm not wrong ah correct me if I'm wrong <P2>haslami</P2> basically this culture is about okay for example right uh you do something wrong, right or or or , or people think you do something wrong actually you to you ah it's okay but people think you're doing something wrong so they make it viral then they !wah! they comment on your post or on your opinions with all this hateful comments ah and it gains traction ah to the point where suddenly ah you ah the poster of that of that comment ah will must defend yourself


and either stand on your ground or most of the time uh apologise why ah because this cancel culture right can actually uh become serious they can actually make you lose your job, they they can expose your secrets secrets that you thought will be buried but actually because of this ah people suddenly you know uh all these netizens ah go and investigate you go and find you up on internet and expose all this information about you


so I think this culture I mean this trend ah I mean it is something that is not new in my opinion because last time I think also got like this but just that now with the advent of social media right this cancel culture can really take off, so what what I don't why I don't like right is because again uh I think it goes back to my experience with that with that lady right


if you have something uh that you want to say you can just approach the person involved right that's it face to face you don't have to actually expose uh his or her uh bad behaviour right, so this cancel culture right makes it easy for people to just expose and then run away get away with it there is no accountability


right you then this now so for example kay let's just let's just say lah let's just say uh , this uh okay lah actually actually those those now Kena cancel actually they they deserve it lah but I I'm saying but I'm saying , in in in in general not influencers but people like us you know laymen me and you not popular you know people hate us ah people can just find something about you comment something about you


or see all your posts ah and just comment you just just to just to cancel you lah just to make sure you you don't have any relevance lah in in this life lah and and that's where you know people get depression you know because they how can they defend against thousands or hundreds of people right who comment against you right who hate you for no reason whatsoever


right so I think this cancel culture needs to be curbed lah and I think uh , worldwide uh, attention has been put onto this ah so I believe maybe in the next I don't know few months or so maybe people will address this issue lah but as of now I think this cancel culture is still here to stay lah bro ya bro what what what what about you bro what is a popular trend that you dislike bro


right right, oh


right, right


I see I see oh that's terrible man


right


ya I kind of, ya that's the thing about dealing with humans right they're complex creatures and you know everybody got their own opinions everybody got their own idea so


I mean why why can't we agree to disagree ah right I mean you got different opinion I got different opinions why can't we agree to disagree why why cancel each other right you get what I mean so ya I think think that sums up pretty nicely lah, okay


okay, positive experience in your life, alright <P2>haslami</P2> second second part ah of of of the conversation ah kay bro come let me ask you first bro


what were some of your memorable moments uh during your younger days bro, many ah kay


oh yes yes yes yes yes remember those days man, right (ppc) (ppc)


bro I bro I also got a lot of moments bro from my younger days bro but bro let me start you off with my primary school days ah bro bro, the best moments ah was after my primary school lesson right cause last time we last time we only got morning session mah so I will


finish at about uh eh sorry about one ah twelve thirty to one ah so what I'll do is straight away from my primary school that time I I can still remember I was primary five , straight away I go to my friend's house just two minutes away walk


I play game all the way until four PM, and then I went home and it continued for that for that one year from that means from P five, to P six oh bro I tell you those were the best moments of my life bro I tell you we played we played marbles back then PC we played uh grand theft auto that time uh still very low low graphics ah so we played on the computer together then we played catching


we play football we played #hantam bola# we played chasing !wah! I tell you bro P five was the, best moment of my life bro damn awesome ah bro, kay bro, another moment ah bro was the day , that I got my driving license !alamak! bro I


telling you bro serious serious serious serious I I I can still remember I , because kay I got my license from the army you see so I I failed my traffic police test three times, after I failed for the third time


it was when I was in army but awaiting posting awaiting posting so after I failed my third time right I I was I didn't give up lah okay never mind never mind lah fourth time ah just go for it man I wanted to apply, I I got a call from my sergeant, hello <P2>samir</P2> eh <P2>samir</P2> you wanted driver right


you got it you report next month oh, okay so I, I I was a driving army and I know back then right uh as in until now also if you are a army driver after two years, if you have no accidents or what you have a perfect clean record uh you will get your license lah from the army so I I hustled two years bro after that got my license the day itself is like ORD ah bro I ORD twelve PM


twelve PM I took taxi to ubi driving driving centre I exchange my uh, uh , I showed them my IC and a letter from the from the SAF and and I got my licence on the spot, three o'clock


correct correct, twelve twelve twelve twelve o'clock right I straight away I taxi there right, four o'clock, I I called my my father papa can I use the car, my dad said you got no license why you want use the car I said it's okay I take car myself so I drove lah then he was scared lah because eh I got no license but actually


at the end of day I show him license ah you know action a bit lah ya so, ya bro bro don't these two ah bro these two moments ah bro I can I can never forget lah bro these two lah , these two lah bro bro bro bro yes eh you're you're you're saying bro you're saying bro come you you want said something


yes bro yes bro come come, okay , right right right okay this question I think ah bro I think this question is something that is not set in the stone you know when you were a kid


you got certain dreams and goals right, there then when you move on to secondary school, you got different dreams and goals, and then you move to poly university you know also different dreams and goals right , okay so what, what I'm trying to say is right I think there should uh my dreams and goals are pretty


I mean I I've I've come to a point in life whereby I think this dreams and goals of the world ah I think , they always change lah bro with the times ah bro so I think it's quite hard to always keep on changing ah you know, let's why why not why not be constant right so if you ask me right now what are my dreams and goals right I just want to be a good human being I just want to


make sure that my family is taken care of and I want I want to make sure that I accumulate you know I mean in this general sense lah enough, good karma lah you know or good deeds you know to to to to accompany me because as you know muslim I'm a muslim as well, so in our religion we believe that if you accumulate enough good deeds uh when you pass on the next world uh this good deeds will actually accompany you uh in the form of a


a handsome uh person and this handsome person will actually guide you uh to on on the path uh to heaven lah and and to avoid you from actually falling into, uh what we call hell lah as as what we know lah ya so I think it's very simple lah bro my dreams and goals be a good person try to be the best I can be in this world regardless lah bro what kind of work I do you know things will change the world will change


what skills they need of us will change but what's constant is, you be a good human, you be a good person we do a lot of good deeds and hopefully when we pass on to the next world we go to heaven lah you know you get I mean I mean like what you like like what we also talk about bro previously ah


, the systems all can change ah but the humans are the one that run the system if the humans are not good right , what is the use of a system right correct so ya bro correct bro what about you bro I I want to hear bro what are your dreams and goals bro that you wish to achieve uh before you die bro


right right right, !fuh! power bro, eh (ppc) (mmhmm) (ppc)


right right right I mean ya I also agree with you lah bro I think I also need to do something impactful lah you know something that people will remember you by you know and when people remember what you, did right they will go oh <P2>samir</P2> or <P2>haslami</P2> has done this !wow! what a good effort by them you know


thank thank you for that ah for sure and and your and your name will live on I mean not of course in a sense of uh being popular around the world but at least you know you impact the the few individuals, you know who who who feel indebted to you as well right so , ya correct correct correct okay bro shall we move on to the next uh topic bro on the uh positive experience bro


okay I ask you I ask you bro okay bro this one is another fun question ah bro ah another fun question what, is a comfort food, that you can always rely on, to cheer you up bro ,


come on bro come on bro, please ah bro give me top five lah bro , I also junkie person what


kay lah replace with electrolytes ah, yes food or drink lah doesn't matter, coffee ah steady lah


!fuh! up there lah bro you ups already lah bro, ah no lah bro I drink three in one coffee lah bro, , okay lah bro for me my comfort food is something that is damaging to the health lah bro and I I I try my best not to eat this


but because I always need I need constant comfort all the time right bro so I I like to order mcdonald's lah bro so okay research has shown ah bro if you eat macdonald's macdonald's ah , uh for


four months straight lah okay let's say four months straight ah I I I know I know there are certain uh videos uh you can check it out lah on on on youtube there's one person eat mcdonald's one month right then he gain so much weight so I tried to eat mcdonald's maybe that time I tried lah one month lah I I ate like maybe twice a week only lah


bro I tell you bro I really felt my heart uh rate uh my heartbeat, beat faster lah bro so ya correct so but then again like what I said lah is comfort food lah bro mcdonald's lah bro I I bro I got three lah bro first one mcdonald's ah, second one also same fast food also bro but KFC bro


KFC zinger zinger the zinger burger ah bro I can eat two at one I can I can eat two at one shot bro, two


oh ya oh ya ya ya ya ya ya so it's the patty is the bun right correct so you two patties !wah! bro I tell !wah! that one Shiok lah bro bro Shiok lah bro and and the chicken right I can eat maybe like two or three crispy chicken only lah last time I can eat five lah but now I getting old lah bro so I only can eat two or three at one shot lah bro


okay bro bro bro last last one bro last one bro this one actually this one ah (ppc) it's dangerous uh you know or not because ah , I as you know I did my invisalign right my my teeth ah so if you if you drink certain sugared drinks ah it will it will it will rot your your enamel on your teeth so I like to drink coke zero bro so


Jialat lah bro this is my these are my three top comfort food lah bro at mcdonald's KFC coke so now I'm trying to to cut down lah bro if I'm not ah I tell you I will gain lots of weight lah bro at least gain muscle never mind this one gain, yes it's zero calories but I maybe that's marketing bro you may never know right bro so


you will never you will never know right bro, ya bro come come bro,


, , right right right okay this one is uh !wah! so I I need to do some thinking and reflection ah bro because I've never thought about this uh but if you ask me now ah uh the first thing that I can actually


think of ah right now is uh when, I was at work uh about a month ago so, you see ah you gotta understand ah bro my place ah a lot of, okay lah I cannot say ah , I okay okay I I cannot say sorry ah okay let let let me rephrase ah


my workplace ah a lot of uh people, who are not born in our generation they are born uh earlier, ah okay so , for the longest time lah bro their department ah has always run in a certain way


nobody has said anything to argue it nobody has initiated anything to improve the processes, I just join uh the department last year, kay and of course in order to, to to to to put in to to to to comment on anything I must go through the process first right then from there I can see whether what thing good or what thing bad right so after one year ah bro


I actually said that eh actually some of these processes ah you can actually improve you know, straight away ah boss said oh can improve ah okay <P2>samir</P2> you take the lead you you try to improve and and update me so suddenly it becomes my job, like what the like like like like like what the you know ah what the


okay so but but, on hindsight now that I think about it ah I think that is the point where I experienced personal growth why ah because ah this person give me something to do and, I was the one to initiate the group I was the one to lay out the foundation work I was the one to do the powerpoint slides I was the one to list down what kind of process need to be involved so from there right people start to be attracted to me in terms of uh oh <P2>samir</P2> took the lead already ah !wah! he already did so much come let's help him to to go further so I think


that is the part where I believe ah I experienced personal growth ah in a way that there's nobody that supported me at first but I just grab the rope and I just went on with it lah and I think if you personally grow yourself ah, chances are you will attract others that will also help to grow you as well because it is very uh contagious ah


that that that spirit ah you know, that that innovation ya correct what about you bro, what about the time when you yes personal growth, yes, yup


yup yup


right right right, yes yes yes yup


, yup yes


, right right right yes yes


smoke lah ah, right !wow! !wow! !wow! !wow! !wow! !wow! !wow! yes yes yes agree bro agree


okay bro I think we we we can wrap up this uh topic number two ah okay maybe you can share with me ah bro , describe your perfect day bro describe your perfect day, come


sorry sun as in S U N or S O N ah, right right right


yes I know bro very famous bro yes very famous bro, , bro mine simple lah bro saturday and sunday ah bro this this two days


simple bro no work as long as there's no work right and no, okay lah I I cannot say I cannot say I cannot say as long as long as there's no work, it's a perfect day for me no emails nobody to disturb me settle saturday sunday this two days bro, alright man that's the end bro okay


done, financial related topics, okay investing is it


okay so basically I guess uh you're you're referring in general or in uh as in my opinion okay, okay in in general of, in general I guess, it is always about making money right I mean that's the the whole crux of investing otherwise if you don't make money I I guess there isn't a need for you to invest but in my opinion I think that what really entails on investment or investing is actually not just the the the dollars and cents


the because value is something that is uh has different world views you see values uh you you when you talk about values there's , the dollars and cents there's also we talking about the the human factor, which is actually the the how you invest in people and then you have the time factor and then you have uh on the purpose for example you invest in say education versus uh the gambling factor you know I mean there's always debates


should should we invest in uh gambling uh the gambling sector or you invest in education sector ya there's a lot of pros and cons and ethics are actually involved in it so ethics also part of factor when it comes to investing, so it depends on a a person's world view in in my my world view I as an uh as as as an individual uh singaporean here


I look at ethics I look at the purpose of the the investment as well whether it uh what what is the uh factors that would uh that I can gain as income that other , the the the the company that is actually accepting my investments are also gaining something what are the benefits that they're getting and what the losses because most of the time people talk about investment they don't talk about the losses


they are usually is always a win-win but , there are some products out there whereby you are tricked to think that it's actually a win-win but actually it's a lose-win lah, ya correct ya so gambling's actually one of them people who don't use gambling as


like is an investment because usually the house always wins so uh that's not the right way lah yes that's my opinion what about yours, okay


, ya ya


ya, ya ya


I agree I agree I guess I guess it's just a a a matter of I mean , investment I mean most of investment platforms they try to sell, the the financial aspect but, I guess there's many types of investment I guess the the whole idea of investing itself is holistic lah I guess I mean to summarise


uh the the the conversion that we have are are going right now, uh it it is actually very what is actually multi prompt, uh and that I mean I agree with you at at very young age we we we we don't have the capital and that uh we only have time and we have we have effort and that we have uh that's why I think most of the time when we look at at the young they


the uh tertiary education sector it's it's more of to understanding your skill sets understanding your competencies and building on those things lah, I agree, okay let's move on to the next one, kay let me ask you the question okay


so , what sort of uh investment CPF I mean I I'm sure that I mean you are you're thirty four this year probably you must have some form of uh CPF money so ya man both of us are getting old man so so so what sort of uh investment do you are you making uh currently for your CPF


okay okay (mmhmm) okay


I see,


ah ya ya lah, ya lah


I agree, , okay uh similar to yours lah I guess because , equity is something that is by large the most safest investment and you look eh I mean you're talking about CPF CPF is something that is


uh you you try not try to not to make any losses you see so you the the the whole fundamental strategy will probably be more of making a moderate return so for me I invest in equities , to be exact I invest in Japan uh equity fund europe and uh asia


via great eastern ah so it's it's it's it's, not that bad I the rate of this also not that bad I I think I I just started right before I, I bought my house so what I did was I I took out some amount and I flush the rest to my house lah and then that amount uh although it's


I won't say it's a lot but, uh it's it's just nice for me to, make some profit lah and I and I totally agree with you on the fact that , CPF scheme should be a bit more custom tailored to those who are a bit more financial savvy I guess they can come up with some benchmark and assessment schemes for those who are


who want to actually use their CPF maybe they can come inside assessment scheme so that maybe they take that assessment and then they, pass and then somehow they get some license, to actually be more involved in their CPF retirement so that they can actually make better I mean , that's how how Singapore works right they


it's all about meritocracy so the the the if you are capable more than capable then probably yes I guess you should be able to have that capabilities lah but at this at this stage I I I'm, I'm pretty at this stage I think we can, move forward to the next uh topic ya


okay let's move on to the next one , okay let me ask you another one right okay, okay just uh I remembered we talked about the uh C uh about uh, gambling as an investment right so uh do you think that uh


investing and trading is similar to gambling,


there's certainty in it lah, basically right okay ya ya


, ya


ya I agree, ya ya


ya, ya, , ya


ya, you're right


, ya, ya you're right


I guess the , the the only the only similarity between gambling and trading, is actually the fact that there is some effort, but , a typical


a typical argument will be that you know if you were to , if a say for example I'm I'm talking in terms of ethics okay uh somebody who is just stealing, right he's also putting effort in in stealing in trying to find uh to come up with the heist right


and then he gets the money okay so the idea of ethics in this particular field of investment right , always make do a way uh they draw the line between gambling and investment because ultimately investment is all about active there's some form of active employment there's some work involved


and there's some activity you need uh like gambling there isn't much activity involved because like what you said uh it's actually luck lah, more often than not probably eighty percent of it is luck probably twenty percent is just statistics cause about how you, how you how lucky you are on that particular day but if it's


investment you have a lot of work to do you have to study the balance sheet you have to study the stock market maybe you do fundamental analysis technical analysis you need to talk to people have some networks and that is something that is that separates between the laymen investors and the real investors who have


a lot networks and they sort of like share insider infos and, to some extent I also agree with you like options futures these are some , products that are, yes quite speculative ya correct and speculation is in fact it's actually, uh uh a important element of gambling isn't it so the


I I guess my my form of investment is a bit like, uh more focused on equities involved you see so gambling doesn't really, uh there there's no equity involved you see ya okay, ya sure


okay, okay if I have a one million dollars what I'll do


okay probably thirty percent I will uh I'll create endowments that is actually to safeguard my uh, uh my uh my community, right, right another seventy percent I will I will split them up into uh


a uh a portfolio lah basically maybe it's like sixty forty thingy sixty percent on or seventy percent on, equities uh then another twenty percent on uh probably uh safe, uh I would say deposits because uh I'm a muslim so it's a


ya I I we for me we don't deal with interest right so , what we can do is that uh we focus a bit, more on err, for example I don't know whether have you heard frankelten uh, shariah bonds


uh shariah compliant bonds have you heard about this before, I see I see franklin templeton right yes correct correct so those those are shariah shariah, compliant investments basically they go through certain uh scorecards to determine whether it is uh within


the shariah jurisdiction okay and then uh subsequently I mean ten, percent will be risky investments lah maybe we do some hedging involved uh maybe I invest in certain hot pots you know uh things like that lah how about yours


what will you do, oh oh oh don't don't don't forget don't forget to pay your tax, your tax ya ya it's definitely is taxable lah yes , okay tax free let's say for the sake of argument okay,


okay okay, ya ya ya


, sounds very narcotic lah but never mind okay offshores right I mean looking at


ya eh sorry sorry sorry ya ya you can just continue yup, okay


!wah! okay, okay I guess for me is truth to be told I do engage a financial uh advisor


life planner lah okay but but at the same time I have my own uh set of endeavours uh in terms of financial investment I have my own uh I do uh paddle, in stock market just to get the feel I started out with penny stocks and then you know subsequently I I I tried I try to actually invest in blue chips but


it is a bit expensive lah but life plan good thing about life planner is that they have inside inside information as what you have inform me right they uh sometimes we we we are born with silver spoon at the same time we are not, uh we don't have the networks and as long as don't have the networks we don't


we don't have the I the the the, the right information except for the fact that we can only rely on technical expertise like , past data and past datas are are just predictive in nature but it doesn't necessarily lead you to the outcome that you desire


because sometimes insider info they don't really publish it on the news, uh for instance uh there was one time whereby I I made a I made a slight, loss I won't say loss but, I would have gotten a more profit I a friend of


mine on the other hand he actually uh knew the information uh when he was investing in a, do you know this local malay company that sells uh I can't remember it's uh golden chance right ya golden chance ya before they actually liquidify their assets and then they put it into a a series of uh wheats right wheats portfolio ya what they did was they had a AGM and a friend of mine's uh uncle was


in that AGM and he told him and then he quickly uh he he actually quickly bought more, bought more items but ya, right, and then uh yup yup yes, yup alright


negative experience in your life, okay I'm going to start ah okay, okay lah I understand that ya you know in life uh we we have some, ups and downs and uh as we grow older we sort of like learn uh there's a malay saying that you know as you grow older you learn you you


taste the salt of it lah which is the the the how salty life is lah, alright so perhaps you might can you might want to share with me you know a a time where you felt betrayed, your trust is actually betrayed like yup yes bro


I see, okay you don't need to name names lah it's okay you just say A B C you know it's okay yup no worries man ya


okay


, okay


okay, okay


ya lah ya lah I see I see


, I see I see, okay for mine is I think I think it happened about two years ago uh at at my workplace my workplace used to be a very very family oriented uh my team especially it was uh very strong team we we


I recognise them as like my second family I mean you spend a lot of time at work so uh naturally you meet this person these people a lot of time and then you naturally form bonds right, and then you sort of like allow them to come to your personal sphere, and things like that so we hosted housing house treats and


things like that and it became very nice and whatever not and then my new uh at that particular time uh I had a different, reporting officer who came in uh from another department and he uh he he was only there for a year or two or a year and a half


before he switched on to another department so uh at that interim he was there and then he was very competitive he wanted us to compete amongst each other, so yes and then , I don't know for one week for whatever reason during one of my performance appraisal right


there was a complaint against me, and that and but but my the the RO, said that you know it's not like a complain but rather like you know he he form in such a way that as if, he says like the team, the team uh is very uh you know very concerned about the way I work and things like that


and and then I I was thinking who the heck actually you know, uh uh say somethings like this right because I thought that everything is okay right I mean anyways if it's not okay you should have the the the the decency to approach me, and directly inform me see you don't need to inform the RO during performance appraisal right


so I I I did some background check and I realise that it is actually my partner, my actually my team partner who actually sabotaged me, okay I don't know uh okay I only have the uh I won't say concrete evidence but I had my suspicions


and that it really points to her in a sense because I don't see any other, uh intentions coming from other team members lah and the fact that she works very closely with me and the fact that at that particular time suddenly she didn't really text me and things like that and whatever not so I felt betrayed at that moment because at that at that juncture I was put into a spotlight


at that moment I just had my kid I wanted to move move in and things like that and because of her my performance uh appraisal didn't do that well lah, and I at that moment I was doing very very well consistently so ya it it really, beat beat me in that sense because


I wouldn't I I have like probably seven years of working experience and I really treasure my colleagues but that particular moment really changed how I view my colleagues in a sense so from that moment I, I started to uh have some distance among my with with my my colleagues and I keep it non personal whatsoever because I'm I I think my guard went up I


I couldn't really trust a lot of my uh workmates at that at that at that particular moment ah because I realise that they can always put a smile on your face in front of you and then subsequently run along behind you and then you know out of purpose of a performance appraisal they will just uh bite you back uh ya


I I could have sworn ya precisely I could have sworn on on on on on on my wife's name that I don't uh I don't put down people in fact I always recommend people because I see I see that's a a merit based but whatever that is my wrong right you don't need to put


uh you don't need to tell me you can tell me at outside of performance appraisal don't need to be during it you see, ya ya ya ya yes correct yup yup ya man, okay next point okay let me let me just uh


ya I ask you lah let me ask you lah ah okay , what is it that the one thing that you did in the past, that you wish you could undo, so just imagine Saja Saja Saja just imagine yourself you uh you have a time machine and you want to go back so which are the one thing only one thing


okay okay


I see


I see,


I see, I see


, ya I see


I see okay , for me it's a bit more of , family lah I, I I I I'm sure you know that my mother passed away in two thousand sixteen right yup and that she she passed away of aneurisms so basically one of her


the the the brain uh uh the valve or the the particular tube that feeds blood to the brain, tissues actually burst for no for no reason lah probably is weakening of a the tube linings or whatsoever whatever so , if I would have were given a chance to undo it


I think I would uh uh I will try to call her at that particular moment lah cause at that moment usually most of the time I will call I'll call her probably at a at a particular time of about ten to eleven just before lunch just to you know just to check lah


but at that moment I I had no intention to call her because I it was friday, and that I I I, I thought that she's gonno cook me a nice meal everything is all was all assumptions and things like that so I I went uh my own things I did my own things and I went to the to the mosque for my friday prayers lah


so it was only when I I I got back and was walking back to office my youngest my my third sibling actually called me and uh told me that, uh he's on the way to the ambulance apparently my mother already had an aneurism attack about nine uh nine to ten AM I I felt that you know if only I was because nobody was at home as in


uh an~and my brother came back he didn't even check my whether my mom was okay or not we all did our own things, and then uh we all assumed that she was okay you see so that that assumption actually uh until today if I felt that that assumption actually, soft killed her in that sense so if if that


if that particular moment could be removed I think uh she will still be alive lah today, uh but yup uh I mean I mean, minister heng swee keat had an aneurism and he's still running for for prime ministers you see so , I thought that you know if I could have saved my mother in that particular moment it it will be she she'd still be alive today lah but


I mean that that's life you see we have no control over certain things and what's done is done, yup, ya man,


ya lah, ya


ya lah, ya lah it's meant to be lah I guess ya, okay let me ask you one last question I guess ,


what is a popular trend that you dislike to something a bit more I won't say very sad but a bit a bit more in general you know what what is a popular trend, that you thoroughly dislike


, , oh cancel culture yeah


ya,


I see


ya ya I agree, ,


ya I agree, would persist ah


ya man, I I think that I I I I agree with you totally I just want to add on with my own personal experience I mean I I believe that, there was one particular incident in my life that I became a victim of cancel culture I there was one case whereby I think they okay let's go podcast actually did shared some


some some perspective on on on I I I mean sorry not perspective they they they do some misogynic they made some misogynic remarks and then the the people started to cancel them and then they calling out and then there's the president was involved everybody was involved, right


so I at uh my facebook post was not meant to defend them but rather to uh correct certain remarks made by uh those who were trying to cancel okay uh the that podcast I I have I don't bear any sentiments to to support okay let's go but rather I was gearing towards


things that's a bit more justified lah right but, there's a lot of social justice warrior who came in to my post and I was called out and ya I meant I I receive at least fifty to hundreds of uh persons DMs uh uh attacking me and things like that and and some of them even screenshot and then uh mention to another group


and and my my name was circulated around saying that you know this is a <P2>lecturer in republic poly</P2> and you know uh he's actually saying these things ya that's terrible man so what's good that actually my boss didn't found out about these comments, but but uh probably because uh


they they don't follow my facebook comments post so probably at facebook algorithm didn't really show, but it was among my community lah and that really it really hurts lah in that sense lah I mean you are here trying to trying to correct a comment


but then people actually mistook the forest for the tree and then they sort of attack me personally, and then you find a lot more ferocious arguments involved and then you start to I start to get triggered lah in that sense lah so uh me and my wife we had a lot of uh some heated arguments involved because uh her friends also actually disagreed with me and things like that


and so I was just being I I me being me you know me right I'm I was being very nasty about it so I I fought back lah, but I realised that sometimes you cannot fight fire with fire the best way is just to keep quiet and then it will just go away, so ya that's that's my take uh I guess when it comes to the the trend I I totally agree with you on the cancel uh culture man


, ya ya okay


positive experience in your life ya bro


oh, there were many man I guess uh the most memorable one would be that ,


when I was in university, ya ya that's that's where that's where I I I we met way earlier but I enjoyed our university days lah considering that, it was very carefree yes we have we are supposed to study ya we did study at the same time uh we also hustled at the at the side the side the sidelines trying to find some money right


ya man and then , I guess the what if you can if I can really be specific I guess the most memorable was actually a day where I graduated lah because that mark the end of uh a horrible academic journey that I have to go through for the past three years and then subsequently go join into the working force and then I realise that !aiya!


working force a bit more terrible lah I really need to go back to studying considering that it's a bit is I won't say it's easier but it's more meaningful like working sometimes you sort of like you know you you, you it it doesn't really sink in you is more of livelihood purpose but ya I mean studying is something that you really like to do how about you bro


what were some memorable moments yup, !wow! okay okay okay okay !wow!


, , I see


I see ah


, okay, oh that that were when you failed when you failed the traffic traffic license what were you was before you join the army or what


oh while I see okay okay (mmhmm)


oh okay oh so basically as long as you you accumulate the number of miles definitely you, I see ah


, ah ya ya he he suspense a bit lah okay, okay great great okay yes yes bro, okay okay let's let's move on to next one lah ah


okay kay, this is something a bit more generic lah okay so what are the what are the things, that you wanna achieve or dreams that you wanna achieve or goals that you wanna achieve, before you, I guess you pass on to the next life lah, ya ya


okay, ya I see okay


okay, ya okay understand


I get, ya you're right ya


actually what you say hits me quite lah in a sense lah I mean dreams can be subjective according to your the the different life phases uh that you and and it evolve you see when I was young, I remembered I wanted to be an astronaut, ya I tell you right ya it's very stupid right kay I'm I mean at that moment right my mother just uh my late mother just uh play along with it you know and sort of like you know oh okay okay then buy like telescope


lah you know those stars lah then I memorise all the constellations lah then uh, you know uh dreaming of going to the moon understanding which moon crater is the biggest or things like that and then he bought like, tonnes of these encyclopaedias on on the galaxy


and then I as I grow a I grow and I realised that I got uh a band three for maths right then I realised oh cannot lah ha you want be astronaut you have to be the best of human uh of humankind so , uh band three doesn't really cut it lah, then I realised then as I go secondary school I realised okay it's a bit more myopic in that sense I just wanted to beat my brother in uh his uh O levels and then


uh I did I managed to do that and then I realised that okay so what's next and suddenly the the myopia sets in you just want to see at a smaller, at smaller milestones but at at at this particular age if you really ask me as I gain some wisdom in life


ya you're right man just be a good person, but mine's a bit different in a sense that I wanna, I want to do something in uh more impactful uh to the to my community because I'm, I'm very I would say I'm I'm indebted to them I came I come from a very I won't say


a poor family but we we we we operate by with a sole breadwinner, so more often than not uh my my father always steps on community funds so I'm actually to considered a uh a a a a a financially aided student ever since I was in primary school


so all my T-shirts, all my uh my EZlink cards and whatever not concession passes are all funded by the government, and that my father have to take care of four kids and things like that so uh and with a meager pay of two thousand dollars so he, it was quite hard on us and that I realised that


now at where I am today I wanted to give more but I really hope that I could at least get a doctorate, uh and publish a research a real research on certain things so that uh you know at at if I die at least uh I I my research can be read by others but of course a lot of


doctors they or or or PHD students they don't really publish the books so the next dream that I want have is to publish a book lah, with the research that I have so that people will read cause people don't really read research you see people only read books so that's the the second dream that I have and and uh I think that's about it lah I guess just this I mean when it comes to worldly affairs these are the two things that I really wanna wanna do lah before I die lah yup okay


ya ya


, I agree, okay, sure you you want me to ask the question or you


ask okay can ah okay what is my comfort food , !wah! okay comfort food ah,


there's a list lah bro there's a list bro, okay okay okay okay I know I I I I'm I'm not as a, a a sport a a sport person like you I'm a bit of a junkie, so , yes okay so basically what I'll do is that I will I think ice cream is something that I that would definitely cheer me up


ice cream is one, second is comfort food right uh, hundred plus lah okay I I know is very uh, it's very weird but yes I drink a lot lots and lots of hundred plus, third, yeah man third I would say is actually is


food right is food right okay food and drink doesn't matter okay third ah !wah! ah, if if if if I if I feel very uh down ah, I would go for coffee ah that will be the uh ya coffee ah


a good starbucks ah good starbucks or coffee bean, no lah no lah starbucks I starbucks only you know people like you go those tokyo cafes right, ya lah ya lah those at suntec , okay how about you bro what's your comfort food, ya


, , ya lah ya lah okay


!fuh! my favourite bro, !fuh! , oh you you I I think you forgot the other one is actually the the the the you know sometimes they have this like this marvel avengers burger that's from KFC whereby they slap the patty instead of the uh the buns


what's it called, yes yes correct yes I can't remember oh that was !whoa! awesome man, Shiok bro Shiok bro, !wow!


why stop at two right eat at three lah , okay yes yes yes okay yes bro, ya why, ya ya me too oh same bro


but but but but coke coke zero is zero calories isn't it no, , , okay okay okay okay okay okay let's move on to the next one lah ah okay


okay , let's talk about something whereby you experienced some form of personal growth lah what sort of moment, that actually make you that particular, you feel that that's actually a very important personal growth, that you've that that actually experienced in your life


okay okay okay,


okay okay, okay


ya, okay


okay I understand understand I understand lah, okay ya okay,


I see, I would say in terms of career right there was one time where I was working in <P2>MUIS</P2> eh I mean <P2>islamic religious council of singapore</P2> and then


I was working under one of the endowment experts a muslim endowment experts in singapore which is doctor <P2>shamsiah</P2> lah, so you you know <P2>MUIS</P2> right any single policies that you wanna uh do we need to present it to the <P2>MUIS</P2> board and then subsequently to minister so me being the


smallest fry of the smallest right just a new young graduate right uh I have to actually prepare the agenda and the , and communicate with the secretary of uh minister <P2>yaacob</P2> lah okay and then I


I mean well you you have to write a a proper email right so there was so I was scared so I actually write uh a a email I as a draft and I send to my boss lah so my boss taught me like you know okay actually actually you shouldn't write it like this you know there's certain things called informal and formal how you write your community how to write to the minister so she taught me the certain things lah


and then I I submitted and things like that okay so gradually towards the towards the the day of the the, the thing right I was just there to write the minutes right, but then uh uh my boss actually asked me to explain a bit about some of the the things that was actually uh presented to the to the minister so the minister was looking at me with all the ministerial boards and me being the you know the smallest fry right