really okay lah I am not into this kind of small small animal lah I like big animal, I don't know I don't know I shall go and find out what's the what's the what's the


ya but the thing is what if the person poke you and then say eh sorry ah I accidentally poke you eh sorry ah, fake lah no it's the person fake lor but you won't know what


but they use okay let's say for example I eat guava I got really got a a Satay stick I accidentally poke you and then I say sorry what, okay then and next time I also eat guava but this time I I use a fork I also use the fork poke you I also say sorry what I'm still eating guava mah


really ah got lah me lor I very tired ah I don't pay into this type of this kind of thing, so so annoying I'll avoid you


saddest scene ah okay lah when I was trying for kayden I think a lot of things make me very sad


yeah like when I see when I see people having kids I sad when I see people people's kids having celebration I sad when I walk past the you know like supermarket right baby food I sad if I go like travelling right I see baby clothes I sad see everything I see also sad so !wah! that one was the saddest period


and and I really I really don't want to talk about it and I don't want to be with anybody that has kids, yeah yeah it it was it was just very bad to the point that you know you see you you you know victoria right


cause I had a failure mah then after that when I went to office right I was very very rejected there very disappointed right she only look at me eh I only look my I only like just look up and look at her right I my tears start to well already then she was like, ya then she she saw me she saw my tear well then she just left


ya so what it was just that bad like like really really it just keep replaying in your head ah to the point that right !wah! it eats you up that you like it it's just very bad lah you know the heart you just have to harden the heart because if not right like every little thing right you will just feel so so affected


and it it's and it it's also about no actually even until now right I mean because the feelings are being replaced by you know me caring for kayden and then if the feelings are not replaced right I may became a very cold person


ya because at the end of the day because you are so hardened and so like so hurt so many times right then you become so immune and you don't want to let anybody in I think that's that's really something that


and it it's it's not something that you know because it's it's it's it's like a you know it's like it's like by right by okay by nature lah you know uh conceiving or having a child should be something very natural, right I I'm just saying lah I'm just saying as a matter of fact lah but when when it doesn't materialise even though you try so hard even with medical intervention right then you realise that !walao! as a human being eh you are not even functioning already


if you get what I mean like even if you had have the feeling you can have the heart you can have the soul you can have a kind heart whatever lah at the end of the day your body is sorry that's my boy, ya he's playing with my my husband that's why he's like chuckling so ya see so that means these are things that you know if last time ah I tell you last time if I were if I don't have a kid then if somebody carry a kid past me like that right and then the kid start chuckling right I will cry


ya like I'll be like where is mine why mine hasn't come, cannot I tell you you bounce back I eh spring also will spoil one leh it's


that's why I continue to try mah but if my spring spoil already I don't think it can really really very tough to go on really really and I think and I think the the what what what helped what helped was I think my husband was with me throughout the entire journey as in like he didn't give up lor


ya and then like he'll buy me a lot of things so that I don't remember then it's very hard to replace


oh yeah yeah he drove Grab because it was very expensive yes yes, ah okay tap tap tap tap ya so you know if you want to say things like a sad, sad scene and all that right everything is sad to me when you are you're just at the the valley so it's not really like I I feel that you can ya lor like you know even if I see a flower bloom right I'll be like where's my flower


like where's my bud like you know the flower bud yeah where's my bud everything ah everything also sad even the happiest thing also sad to me one so that was really really a point in time that I think !wah! I think I'm really at the lowest already


ya lor, ya lor !wah! but you have no no idea I tell you ah even the pain hor of all the injections right it's not as saddening hor as the heart-wrenching pain of the results ya


ya no the wait as in W A I T is very stressful right even the weight hor W E I G H T after knowing the results ah is very very I tell you is it destroyed me I think literally


yeah see so I already covered a lot of questions describe a time when things turn out not meeting my expectation yeah see Tapai Tapai don't meet my expectation, then what when you when you uh sorry every time describe a time when you feel trapped or helpless yes that was a time when I feel describe the saddest thing I ever witnessed !wah! the saddest scene I ever witness was when somebody have a kid and I don't


describe a time you feel that nothing you could do is good enough exactly nothing I do can help me conceive a kid then obviously I cover the whole array of questions already, now ah uh then I'm not


because I look at kayden then, then he started laughing at me so I cannot contain my yeah he's very cute, uh


that that I'm not but you're not cute enough, what's the


are you buying insurance for them, oh mum, basic ah


same lor, you know hor with a child right even if I want to fork out some cash for my parents right it's also a tall order cause like Singapore living expenses is so expensive so I think that's also something that worries me like you know whether not I'll have enough


for kayden I mean for kayden we are trying to save lah but !walao! after having him I realised that my cash ah dwindle so fast eh, okay because you're right in the sense that because we are first time parents right so we also don't know what to buy what's best or what is the most practical useful whatever right so we just whack


like oh people say good buy say good buy people say necessary buy buy buy buy buy then in the end hor !walao! I tell you my room is filled with trash because you don't use them, so now I'm trying to sell but when you sell them off it becomes at a reduced price even though it's brand new, you get what I mean you cannot sell it at the original price because if you sell at the original price people expect you to courier lah people expect it to be like super clean but I already left it there for close to one year so it becomes dusty


cannot because sometimes it's cloth then you know the material yellow, or like you know if wet than the dust got onto it then it becomes like this this colour ya so it's quite uh


yeah and that like I'm not providing the best for him, ya I mean like he's so cute ha ha ha ha ha he's so cute he's so cute he's so cute but it's just that


I really really want to send him to school, but now with the COVID, can can go infant care mah or childcare mah but childcare is like eighteen months which is end of the year so that's what we're hoping to we're targeting lah because at the end of the day the cost is one thing


then you know we went to see some childcare right then some childcare I mean I I don't want to name names but it's just that when we went there the kids are basically not doing anything just walking around then it's like if the kids are just walking around it's equivalent to him staying at home mah, right


ya lah or to mingle with friends mah because he's alone mah like there's no siblings and all that will probably be a better environment in the sense then that means additional costs so I think the cost of living is something that really worries us


then everything is very expensive and like you know , uh infant care is about two K, then if the normal childcare is about thousand four, thousand four thousand six lah depends lah


I don't know whether it's considered high end or not but it's it's the one that's near to our place you know like in your in your vicinity you also only have that many to choose from what it's not like you have, ya lor so it's like you just have to choose from the one nearer because at the end of the day if you're going to like come home and then pick them up it have to be convenient or like you know if you want to get your parents to help you with it then it has to be near your parents' place so there's a lot of considerations and most of the time right tell you ah <mandarin>我这样讲讲讲:wo zhe yang jiang jiang jiang</mandarin> ah sorry when I I start to talk like that ah my head gets very painful because I realise there's so much things to


to think about, and then here I'm spending time talking to you , expensive lor


you see him travel see see what he does, yes he loves it anyway, constantly being distracted at home oh ya I scared my this year appraisal not good


ya because and recession right then retrenchment okay lah I mean I just hope they don't close down the centre , eh people are not coming in eh because of COVID they're not traveling, we are but people are actually complaining mah they pay so expensive school fees then they are not coming


then why pay so expensive then you can have Coursera all these and then like you know Stamford MIT all going online then why why bother, then they can also stay within their own country what, you ask me


you don't ask me leh this kind of thing is stipulated by the company one not me, !hais! so much things it's


one thing that you change ah I want to change ya I want to change my course of study in JC, or even like secondary school I studied like double science then I realise hor double science like a bit <mandarin>费:fei</mandarin> because actually I like animals I should do bio what


no my double science is physics and chem !wah! damn boring ah newton's laws uh whatever no lah okay it's just not my cup of tea it's just not my cup of tea I realise some people like it some people don't I just don't like it and I was thinking I should have do bio but the reason why I don't didn't do bio was because I was thinking uh too much memory work


ya that's why [lor] ya then I could have like gone to do other things


K, part two positive experiences, okay so what lead you to experience an adrenaline rush


!huh! you play roller coaster one ah , eh and I have never been to USS by the way eh I like the expressions of both your face eh it's so funny I'm serious no I really I've never been I've


I've never been to USS because first of all everybody tell me it's too small second I know I go there I also don't play the rides then I go there for what waste money sia, I scared I really scared you know no I don't want okay that's the thing that's the thing you see you pay so much money then you go into the USS right then you only play the kiddy rides what the toot you know


I don't dare what then they always I go there eat popcorn ah <mandarin>浪费钱:lang fei qian</mandarin> no, that's why I don't pay I don't pay to play I just stay out of it that's why I've never been to USS okay the only the only theme park I've been to right is the Hong Kong disneyland then I only sit the teacups and then what else


exactly it's why I told you already ah the winnie the pooh ride the one hundred acre yards that's it that's it no not too it's not it's not too kiddy no know you know why because I cannot I cannot take the deep you know the the roller coaster that will drop one like you know every time you know the I cannot I cannot I cannot I cannot I cannot


you don't cannot you cannot but you went okay I cannot and I don't go, no no I tell you even the you know the viking ship last time the viking ship I already go crazy already cannot cannot cannot I cannot I cannot I cannot I cannot even feel my legs


okay cannot cannot you know after K there was once right I went to Genting then we actually went take on the roller coaster so the roller coaster is like you it turn one round then it drop then it turn one around then it drop so it drop three right at the time at the end of the day when it come back to the starting point right the person have to literally lift me out from the seat eh, I cannot stand I I I cannot stand the person was like uh we're we're done I say yeah I know but I can't feel my legs say can you try to stand I said I cannot he say are you okay I say I'm okay but I cannot stand he said can you please stand I say I cannot stand


ya so the thing is my friend have to hold me by the arm one arm the the service crew has to hold me the other arm they lifted me up eh and then I was sitting on the bench until my like literally the blood flow back to my legs then I can like wiggle my toes and stand it's crazy, that's why that's why that's why no no I'm just gonna say you go with your friends or you go with <mandarin>爸爸:ba ba</mandarin> then if <mandarin>爸爸:ba ba</mandarin> is the one I let him #lao kui# I don't care already


I I cannot I cannot I cannot I cannot anyway that I don't think that's considered an adrenaline rush I think that's just crippling me and then like you know when I sit on the viking ship right what happen was, I will grab my friend so tight right I left like finger marks on her her arm and then from then on right she also get scarred she don't dare to take viking rides


why, eh you know my friend I I sit the right in the middle okay so stop it , yes I sit in the centre this is the ship right I sit in the centre yes cannot


oh ya ya ya ya ya downtown downtown east something I don't know I don't know yes eh wait can we can we get back to the topic the topic is positive at positive experiences okay anyway okay lah come who in your life do you look up to and why


okay so there's this particular person that I look up to a lot lah so basically she's my ex-boss I told you before what you know right ya ya my ex-boss my ex-boss, oh please ah ya ya ya so basically she's a very


uh motivated person she has I mean she's a, normal academic student I mean she always tell us this story lah she was a normal academic student and then she started out uh helping I like you know part-timing when she was, in secondary school but because she say she's really not the kind that likes to study she likes to you know hands-on so she's a normal acad student and then like you know she help out at her mum's noodle fishball noodle store and then like you know she was working and studying at the same time


uh but she actually to date ah she already completed two masters uh she has MBA she has a post-grad and then she tell me she's not the study kind, like rubbish right but yeah and then like she has three kids and she's under forty like she's super overachiever lah so I mean she's somebody that I really look up to and I think I also like they way she carry herself and the way she


helps others along and she always remembers people so like for example even though we have left our old uh previous company already right she even texted like some of the uh staff recently lah because you know COVID situation quite bad right then everybody stuck at home et cetera so she actually texted everybody and say eh how are you you know hope you're doing well


and it was actually quite some of them were actually quite touched that she remembers them, [orh] [orh] [orh] touch touch touch touch touch touch touch okay touch already


ya ya ya ya, I thought you look up to me !aiyo! so I use K describe


no lah we speak too lah yeah you look up to me cause I'm taller, okay fine agreeable


you look up the sky I'm your sky I'm your sun I'm your star okay what what what is the happiest moment in your life, what's the happiest moment in your life happiest moment happiest moment


eh you don't like #jian wei# right you get married to him you not happy right, okay okay okay, no no need ah it just say happier only what


yeah yeah yeah that's the happiest


!huh! like that happiest ah you serious or not I send you , that's not the wait that's just one of the happy moments okay not happiest ya you are a happy person that's all


that's true that's true okay K describe one of your most memorable travel experience, you go Hong Kong right you can talk about Hong Kong right


[orh] I I'm my one of my most memorable one was Iceland actually that's also the most recent yeah okay because first of all right I was carrying kayden then


I didn't know that I was pregnant ya but kayden was in me already ya so it was also most memorable, correct in a way I just had my transfer ya I just had my transfer ya ya ya ya ya yes yes yes yes yes yes


no , why why why why oh must touch must touch okay touch touch touch


must tell #jian wei# #jian wei# you are not her happiest moment , #jian wei#, see you even forgot about that you waste money eh you


(uh huh) obviously it's not memorable that's why you forgot, you took a lot of weird pictures


you got you take a lot of weird structures that we are like !huh! what is this then you keep tell us some weird name then we are like what's that I can't even remember, then you say you also cannot remember you also cannot remember where you took it because because you showed us then we ya that's the thing see you showed us the structure then we say eh what structure is this like is there any significance you are like I don't know I just take lor


yeah exactly then we're like uh is it significant is it a landmark like uh no I don't know , eh you don't even remember the place lor #simi#


so it's my fault excuse me, eh but seriously you should really consider like you know Iceland because Iceland is really really very nice I mean other than the fact that


okay okay then no need sponsor lah just bring you bring you okay the reason why it's very nice is because right the landscape right it's really one of its kind like you know because we we did a we did we try and we tried we we we drove


so we drove like literally a full circle around Iceland instead of just like you know like the small circles right and then you realise that in the northern or southern part right it's a bit how should I say oh and as we drove on right it gets colder and colder because we were going into winter already


so what happen is that when we as we drove right it was becoming colder and colder then the landscape also changed because you know with coldness comes sparseness like there's less vegetation right, so initially there was a bit of green then the green become brown then the brown become like sorry red red red first red then the brown then after brown already become like literally barren like it was just sand and like you know a lot of like black stones


and then we went to like this place where there's a lot of sulphur fumes, and then we actually get to see oh yeah this is really really very nice we see whale, like yeah the, I think it's killer whale is it killer whale or sperm whale it's very big one lah the one that you know the the tail will come out of the water like that then ya correct so it was very nice then they spurt water out then there's actually a sort of like a cycle it's very nice and then the only the only only only thing that you know I feel is


that fall shorts of the trip fall short of the trip yeah is that we didn't have enough time to go see the seals and walrus and penguins, because Iceland is just too big lor don't have time already and we were there for I think


ten ten days yeah although it's very expensive eh do you know like one piece of, ya but it's just too expensive already really I think your Europe trip your Europe trip is my Iceland trip ah I think your Europe trip the cost of the Europe trip is my Iceland trip


no I mean the cost cost, ya lah you you no need money not from your pocket one you don't care one, the person next to you now


no wonder you're not acknowledging it so bad, but yours is package tour right next time you should try free and easy


!hais! ah okay anyway <mandarin>来:lai</mandarin> let's see if there's anything else so what are you thankful for, me


dotes on you !hais! obviously, and then who cook who cooks you like all meals I think he wanted to but you are too big to be cooked


he feed you very well lor !walao!, ya ya he's like keeping all his portions for you ya


yeah I'm thankful for a lot of things lah I think there's a lot of things that after you have been through very difficult times then you are thankful for like you I mean that I'm thankful for my ex-boss I'm thankful for who who she was because of her then I also become a bit motivated to become a better person also for kayden also my husband I mean my husband has been


through with me through the trying times also right very thankful for my in-law in-laws my parents because they are very supportive throughout my entire pregnancy, uh even now they're taking care of kayden like now if they are not taking care for kayden I don't think I will be able to have this conversation here, uh because he's like screaming away right and then my my husband is also working from home so can you imagine two adults sitting here like like stone like that but the little one is running around mother in-law mah now they helping lor cause they rotate lah if not cannot too tiring for them already


uh what am I thankful for I'm thankful for a job because like now COVID nineteen a lot of retrenchment there's a lot of uncertainty also so ya exactly so I mean thankful lah thankful for that there is a job that you know at least there's still bread and bacon that we can bring home


what amazes me amaze me ah what amaze me what does there anything amaze you like me, okay what not who right who


what amaze yeah lah it's just trying to like you know elicit some response eh do you have a lucky moment [orh] okay do you have a lucky moment, do you have a lucky moment


oh you have a proud moment, really ah eh when ah when was that, !chey! then not you lose what


it's just it's just nature taking taking place, like what like what, you said it was metabolism so what did what work did you do


I think you should go back to sec one now yes yes why not you just have a PE schedule then, so what will motivate you to exercise


Jialat leh you, !huh!


ya eh then you can just you can just say mah like you know last time you lose ten now you want to lose twenty , fifteen twelve eight five lah


rubbish lah you eat too much good food cooked by #jian wei# already lah ask #jian wei# to stop cooking lah, it's not that I'm naturally slim it's just that I got hyperthyroid yes because it increase my heart rate by twice so I burn


ya lah ya lah I don't eat but recently I eat a lot of food eh , eh it's just hidden can like under the clothes


like what on the spot, really meh I thought like cannot go out what how to work how to go out, you can oh really eh maybe does jogging make you happy


then you can use that as a you know everyday fifteen minutes just go and run


wait you you are you are too excited to poll or you're too excited to, because the the whole description just sound very weird I'm very excited to run hence I sprained my leg on polling day


eh wait wait wait Chop polling day was on the tenth today only sixteen eh in six days you gain how much, !wah!


I know I know ya ya ya correct correct the sitting part is very bad same, [orh] ya ya ya ya ya correct correct eh I tell you like that not only the stomach become bigger the butt also the leg also the thigh also everything else


I didn't I breathe K stop let's stop


part one financial related topic


oh personal insurance definitely uh quite a bit like, wait ah let me think ah okay I know I got hospitalisation I have, uh life, I have accident, I have this three but I think I'm gonna get another one uh early critical early critical


ya eh you're quite soft eh, never mind lah then I cannot hear you , yeah yeah eh but do you know that my my insurance agent was telling me that on the twenty sixth august or something like that the critical illness definition is going to be more stringent so that's


ah yeah that's what they said lah I mean, no it's not a gimmick everyone says so I mean, ya lah it's you can say so lah but I I don't know I mean it'll be ya lah I think so lah but they'll be they say it's more stringent lor so up to you lah whether you want to purchase or not so that's why I I I was thinking to get an early critical before that deadline before the


yeah they have early critical, yeah yeah but it depends on the company how they define, yeah but you yourself eh you got what


same [orh]


ya ya ya ya, of the ah the sum assured thing right I think ya ya ya so quite good leh I feel but okay let me see the question ah they say how much coverage are you getting from your insurance


I'm , oh that one I know uh my one my life coverage is two hundred and fifty K


yeah


oh then


but !huh! really meh I never hear before like that one eh because


I mean I think so far I don't recall anyone telling me what depending on your house value because suddenly if you tell me about house mortgage right in the event if somebody dies and uh they they and the the the the dependent on something need to pay off the mortgage but I thought HDB has that


yeah lor, okay this one I have no idea but


I don't have actually I'm not very sure what is that about I heard of it but I'm I'm not I'm not sure what is that, oh is it a savings plan


so after a certain number of years you can get back the principal plus some bonus is it, [orh] I [orh] then like that my one is not, uh then I may I may have something similar but I didn't put that under insurance I just took I just I I term it under savings


[orh] okay okay, good lah then after that you can go and invest in another another product lor


that one never mind you wait till your money come back come back to you first then you can slowly go and source source the product eh never see the next question it say do you get insurance from a single provider or do you pick and choose, I I sure shop around one


ya ya ya actually actually when I shop around right usually their products are all about the same one, all about the same, there was exactly exactly but but so


competition lor


uh eh do you know that do you know that that time I was speaking to an AXA agent right and and the AXA and and when I was going to singpost eh eh can you believe it in fact singpost there's this AXA uh


yeah, ya ya so after that this lady was telling me that there's this ninety five percent thing that is going on so it means that because now I'm the buffet scheme I think you are also right you're buffet scheme whereby hundred percent encourage so now she said that now there's this ninety five percent means is it ninety five percent or something like that means basically you just pay the first


five percent of the bill, ah something like that ya ya ya ya ya so premium cheaper lor, it's it's going to be lah because you going to co-pay five percent instead of hundred instead of zero percent what


three thousand cap lah so I mean the premium will be cheaper lor because now you have to pay more on your own what in the event if you there's a need to be, ya lah I mean if if you, yeah but if you want to save on your premium can opt for the ninety five percent lah because as we age the premium is really more and more expensive what


that one is see how your agent write for you right is it, how they mess it eh how they mess messed it up


so how do you know that they made this mistake


oh my god so in the end you got it claimed lah, eh why not you claim under our company one, no whose must be work related one meh


no what you but you see under the AIA I also like I go for my routine check-up I also go and claim I mean not about hospitalisation lah but I think can claim one eh I mean


when I did my surgery my day surgery ah, no I didn't I claim under my personal but thinking back actually I think company one can, company one card no lah no I don't think so I don't think must be work work related


no I think this is an just a an additional benefit for you working in the company I I don't think it must be work related no but but of course yeah if I have a choice of claiming from the company I'll claim from company first lah then rather then claim from my own mah but I stupid lah that time I go and claim from my own I never think about the company one lah


yeah yeah so I mean unless the company one they only return you let's say lesser than whatever you paid right then the remainder you go and claim from your personal


who will do for you such thing and uh but actually the best is if your NTUC got an agent eh I feel an agent can do everything for you rather than you doing it on your own


transfer it to them you mean non NTUC people or or, [orh] [orh] [orh] [orh] [orh] [orh] okay what transfer it to them they can claim for you what


won't they I I thought they would I think they would leh, I think they would leh I think they would ya but anyway yeah but anyway uh let me see still got one question ah


of course, what's my travel insurance of course, I source around I source around, travel insurance you also get from like GE all these one ah


oh oh I didn't know that ah ah ah ah, oh I didn't know there's such thing


oh okay


oh okay because okay I I usually I just like google and then usually it's either NTUC income or or sompo lor for travel


yes yes, ya lah ya lah but now I


you mean when you're traveling is it, when you buy a car in Singapore surely surely need to buy the car insurance one mah


[orh] so good ah, cannot ah


eh but you know my my when my family they they bought a new car right uh the the company uh had a tied up with, AXA AXA so far okay lah so far so good lah


ya ya lah true true true, ya okay what do you look for in an insurance agent okay other than


eh but the thing is I actually I won't expect an let's say an AIA agent to know like other companies' products you know


but for but for them to really know other companies' product they would they would, true


that means they need to do a lot of homework for other companies one also, yes yes


[orh] [orh] [orh] okay, their company sure don't have one mah this is at your you yourself


but I feel it should be it could be also the mummy go and talk to the different agents, of course you can ya


buy term what term insurance


but do you mix insurance and investment uh I think somehow when we when we want to look into investment they always will mix insurance things inside one eh not I want to mix ah


[orh] oh but this one I never go and I never go and explore cause I'm not not not keen leh


so that's why got got they have this those endowment thing that you just mentioned I think it's a mix of investment and insurance [lor] no [meh]


part three negative experiences, you can start I'm I'm looking at the questions


this one a bit ya this one a bit serious, uh can can can, a lot leh like that I everything also angry also oh, oh I'm supposed to be serious yeah what oh okay I know what disgusts me uh this one is not about like cockroach or what right this one this one is like


oh then a lot of things disgusts me what from cockroach to lizard, to oh but if you are talking about human ah if you're talking about human right what disgusts me I uh, no okay ya usually I will I will be more agitated when the person does things that are different from my values ah but obviously everybody is like that but usually it's more to integrity


I've I discovered that I will become a bit more agitated than usual, integrity uh like, uh like for example uh recently my for my my work right then we have a we have a professor teaching mah


then this professor he when we have a new run then (ppc) he will send me the new set of notes right, to for to send to the to to send to the participants, then he then he recently right I found out because I was flipping through the notes lah before I send to that people then I I saw that eh how come one topic is out the the lecture notes for that one one one particular topic don't have so I go and ask him mah oh eh uh this topic is missing cause I I just thinking is it he forgot to send me or what


then he give me a very sheepish look you know, and then he say oh oh , then he said oh , uh okay lah I will send it to you now, then like like that so so but after that he mentioned something along that line like ah next time I will submit uh without this topic lah when we submit to the agency for funding next next one I was I will remove this topic


how I know but anyway so it means that, I mean I got a bit agitated because obviously I mean if he's genuinely he really forgot this to give me that slide that slides for this particular topic I can I can I I would know lah I can feel it from the person's reaction right


exactly, no no this topic is already submitted last time to the agency for the grant already he purposely omitted is because I think he just wants to be lazy and teach lesser


yes so I mean, ya, ya I mean although although it's just six slides it's just six slides but it's part of the topic and I got pissed was because that topic is already shown in our website although people may not notice lah I mean if I didn't go and flip I may not notice also but I happen to notice


and I I was just wondering whether he forgot and obviously he purposely omitted it so ya lor so I mean to me this is integrity lah you don't I mean, so I got a bit more pissed off, ya you are shortchanging people


ya so I got bit ya ya it's not right so so in the end he sent it to me lor and then he and then I had to print it out last minute for the students and add on the slides, ya so ya let me tell you uh so usually integrity issues will make me a bit more angry than usual lah how about you leh


oh oh ya I mean we're talking about disgust lah ya okay anyway, sometimes a lot of things I feel is subjective uh ya please say


actually I feel that yeah I understand what you mean but I I actually I don't know leh as I notice people and myself right usually humans will tend to cause I need to translate in chinese uh but in chinese <mandarin>欺善怕恶:qi shan pa e</mandarin> right but in in I mean humans tend to


bully the weak and scared of the scared of the strong which is true you know which is true I feel that even I myself also will be more scared of the people who are fiercer, not say I I I know I'm not the weak weak weak weak like weak until nobody's business that part but I am oh please tap your screen okay but I am


, I don't think I portray it that way lah I neither am do I portray as the very fierce one but I maybe medium medium lor me


but , eh I thought I thought cats will play with the with the with the with their victim first they Kiao Kiao Kiao hor Kiao until they happy already then they eat it or something


I think no I think they will play play with it you know they will play with their prey ah prey ya prey, I think so for cats uh correct me if I'm wrong ya but anyway


no but let's say if you're talking about human right ya okay okay you can be friends ya fine but after that if you poke me once twice I will know then we won't be friends anymore Sayonara what, then it depends on then that means the person if the person is so big-hearted ah then if he's willing to forgive


ya but if he sorry sorry so many times you sorry what do you what do you call that once bitten twice shy you know already what, okay sorry fine sorry once can


okay I I think I can allow two or three times sorry ah after that I will start to suspect why you sorry so many times over the same thing just that you're using different apparatus, I mean you sooner or later you you will notice one eh I don't think uh somebody is so blur to that extent right


(ppc) so means to so means the best the best timing to poke you is when you are at your most tired moment right ah okay got it, got it , yeah uh oh describe the saddest


scene ah actually I , when you trying for kayden is it everything that you see seems to be quite saddening


[orh] okay, [orh] okay, okay okay okay


!wah! to that extent ah I'm not I'm not aware


I think she left the room is it she she let you she let you be right


I think I think a lot of times it it is about time you just need a need a bit more time to wash it away


oh okay


okay , I saw ya


[orh] okay, but I feel that I, I I don't know leh because I I feel that in general you are quite a strong person, you can like bounce back after some time


no your spring haven't spoil yet lah I would say, no but you are not to the extent of like what what like !wah! cannot cannot function as a person


I I recall your husband really very very very sweet like you told me he drive Grab and all this thing to help, so I think yeah yeah


I remember he drove I only remember he drove Grab okay like ya like ya ya like till till the wee hours kind of thing ya, oh oh oh oh tap tap ya ya okay


but but uh yeah but I'm I'm I'm but I'm really really happy when you told me that oh you you got kayden because the very last round I was thinking !hais! don't know the odds also lah a bit low also but eh you really really never expect ya


results and the and the wait is can be very stressful


what is Tapai


ya ya actually ya your situation really covered, okay what do you often worry about now now next question what do you often worry about, oh actually actually I I always have a constant worry behind my head lah but this kind of thing I know this kind of thing cannot help it why you why you laughing


don't look at kayden look at me look at me okay anyway uh


what you what do you often worry about, there will always be a constant worry behind my head, stop looking at kayden look at me, oh I always worry about my parents' health lah that that will always be a constant worry lah this kind of thing cannot cannot cannot cannot do much


oh my my dad is over the age of, uh to to be able to buy, my mum has has has a hospitalisation insurance but it's very , is ah basic lah but at least got some lah but my dad is kosong my dad is kosong cannot


actually I also don't know is it could it also be that there may be certain spending on like let's say on kayden that may not really be necessary


ya lor, ya


you wipe it lah cannot meh, okay okay, so what so what what do you often worry about kayden not enough money for kayden next time


okay, but what do you mean not providing the best what do you think you still lack that you have not provided for kayden


uh he haven't reach the age to be able to go to school what


the purpose of you sending him to childcare is to learn something is it, oh then the more expensive childcare, , yes yes


yes yes I I I how how ex can it be ah the very good childcare how ex how ex can it be ah


the very this is the the the high high end one ah, my one ya my one there got one ya


but childcare actually I don't know leh childcare like one thousand plus, it I don't know but I find childcare ya of course lah very expensive but then the childcare all this I also a bit scared because of like you know they will spread the germs and all this thing right ya


I can't see ah can only see your I know I know he's on top of your husband, anyway uh I was saying what, you don't think so much lah you eh we're not we're oh [orh] so it's something that you won't worry about anyway they also say that I think next year also won't be very good one what the bonus and all this


your centre is working is producing money what you talking about, you all not you all not teaching online meh


!huh! but the thing is but what's the purpose of coming what's the purpose of coming to to to the to the school when you can also learn online what same same what, uh oh okay no lah won't close down lah don't think so much first lah


ya, oh okay forty seconds is there one thing you wish you could change but will never be able to uh say this question is quite hard, you wish you could change but will never be able to


your double science no bio meh, [orh], ya physics is boring ya physics ya ya


[eh] bio is interesting I hate physics


part two positive experiences, you may, very very hard for me eh this one other than playing in a roller coaster maybe


no lah actually fake lah I mean eh no no no you cannot say roller coaster I don't play roller coaster but some of the USS ride also a bit scary to me you know those that, !huh!, how old are you you haven't go USS before are you kidding me you don't fake lah


why sia you see even #jian han# also stun like vegetable eh , why you don't play you scared ah , no no some very kiddy one I I also very scaredy-cat hor


then you go and play the scary rides ah nobody stopping you what, eh you eh you very contradicting eh you say you pay money play kiddy rides then you also don't dare to play the scary rides


oh my god, oh there's one very childish one the Hong Kong one, ah ah ah so too kiddy for you eh no no no really USS got some mediocre one got some mediocre


I know I know I also cannot I I understand, no I never I never play that roller coaster that battle star thing right no no no too too scary for me


oh yeah yeah viking ship I also scared viking ship I also scared


why you so oh my god, then somebody has to carry you


uh, eh how like that next time you have to bring your boy you have to bring your boy to USS one


oh my god oh my god I really really very stunned leh oh my god, oh okay uh


eh eh eh I think for viking ship right the the the scariest seat is the one at both extreme ends I think the one in the inside one is okay, no means the most in the inner one ah


[orh] [orh] ya ah ah ah ah [orh] eh I told you did I told you before last time I sit viking ship in Singapore don't know where ah you know last time at the #pasir ris# there got a place, got those viking ship one don't know still got or not, ah downtown east ah the


okay but anyway right that time that time I play right, eh adrenaline right [orh] okay okay talk, uh what what what !huh! [orh], uh you can say first I I trying to think ah I may not have any one


oh ya ya ya ya ya you told me before eh I thought I thought you look up to me, ya ya I know you told you told me before ya ya ya ya ya


touch your screen touch your handphone screen, oh yeah I I I recall I I know you mentioned to me before I I recall like you said quite a few positive things about her lah so ya I but for me I don't I okay for now I for me I don't recall I have any lah so this question may have to skip for me


oh ya ya sure sure sure sure sure sure I mean you're you're one of the person that I I I look up to lah I don't know I don't know how to say do I look up to you or I should say uh


or or I should say like certain values I agree and in sync with you okay, but yeah but look up we can said look up I look up is like somebody that you you very uh okay fine but okay K next, okay let's find the question find the next question to talk oh my god


what, can't really cannot really remember leh I sometimes if I happy I my my happy can be be quite short term one eh


eh that one is like have happy but it's in you want me to find something that I really got adrenaline rush and happy like that then I I I need to think think, oh actually I my my happy can be very short term one ha ha ha and then all happy and then like that you leh what's your happiest moment I know when kayden when you have kayden ya ya okay okay


oh my I know I know what's my happiest moment ah yes my happiest moment was when I received the Hong Kong food from you , I told you my my happiness can be very short term one today happy one thing tomorrow happy one thing


yup because okay I can say and and like that I every day I I I also I can I I happy when I eat buffet I also happy what okay anyway let's , !huh! I hardly travel eh


ya most memorable ah, ya lah and I tell you my memory very short term for certain thing one can can you say for yours let me find a question that may suit me ya


oh ah ah why, oh oh yes yes yes yes I think I recall no I think you were waiting for results right


yeah yeah I think you waiting for results then you were traveling so when you came back it was a good news something like that, ah you see my memory so good , okay my most memorable because my my eh cannot you go go go we are recording


no I say #jian wei# came oh my god okay anyway uh uh I was my most memorable, keep quiet lah you uh, eh we are doing a I doing serious thing okay so I tell you to go away okay oh actually like for example I went Europe with #jian wei#


I remember lah like like like it was so freaking it was so freaking cold in the in the under the snow and then we were finding our way to the christmas market at Switzerland it was it were ah like that lor very memorable


!huh! no it was memorable because I was freezing but we still insisted to find the, what picture how come I don't remember


you mean you will remember such thing meh I don't even remember and you remember such thing you very funny leh you, oh my god I don't even remember what I took


ya ya ya I I I mean I take photos like that one no meaning I just take, a lot of things I never digest one mah, sure got something right no at least it's a structure inside that particular country correct


ya ya actually a lot of things I don't I think a lot of things I don't remember I think I also got I think I mix too much with you my memory also quite goldfish , okay okay let's find some question lah I'm trying to see whether got anything that suit me lah a bit difficult for me you know sometimes


Iceland ah okay I will tell #jian wei# to sponsor me Iceland #huang hui ling# say oh he also want to go


[orh] [orh] that's nice


why didn't why didn't you all have enough time, [orh] two weeks, ya I should have, should have went there for a longer period


sorry, oh my Europe trip was about two weeks I think, the cost I can't remember my my cost how much eh


I I I I I don't know who paid also okay anyway , they hiding in the room okay anyway , that one I really forgot I told you my memory very bad very bad uh wait


yes yes yes oh no no no you see my pattern ah I very lazy to go and research, no really really, I'm thankful for that I have a house yes you I thankful that I have a husband who


dotes on me for now ya quite okay how about you, cooks me he didn't cook me up you know


can can cook me in different separate days lah, and what are you thankful for I know I can I can tell, ya I know like he's growing smaller but I'm getting bigger you know it's a bit weird but anyway ya


I also think so you know how about yourself I know what you're thankful you're thankful for your husband you are thankful for kayden, correct


true true true, I thought your mummy is is around your mummy is around


true also don't know how long COVID will last, true true


the the the question was what what the question was not that you know ya ya the ya ya exactly it's not it's not who exactly ya right stop stop changing the question ah ah


[orh] oh tap ah [orh] sorry sorry, !walao! my my bad memory, I I'm proud when I manage to lost ten KG


when I was from sec one to sec two lah when the when when you know your metabolism is at its highest you know, you just do a little bit ya lah I lost what you mean what I not I lose then who lose, no no you have to put in the hard work to lose do you know that when I was in sec one in sec one I was sixty KG and then I was


no, no so sec one when sixty KG and when I was almost called into TAF club, so I cannot take the the my ego my ego then after that so I I I went to I use one whole year lah I went to exercise thought I told you before exercise I also had my my CCA dance then I also eat healthier then I also because like your normal PE also got the jog got the running what so all these add together


ya I also think so leh it really helped me leh, I start to I start to appreciate PE now you know, I do but I'm just not so motivated because you are not forced to exercise


yeah yeah my #jian wei# was saying is it you want another wedding, see when you wedding coming you exercise every day you know now ah ya I say is you want another wedding is it I say uh I think another wedding also won't motivate me


ya he said that leh then I'm like uh okay actually it won't help me also it won't motivate me because a second wedding that will make no not no meaning already leh ya , what what was why why why we talk about this ah which question we're talking oh proudest moment is it


ya ya ya no but ya, no no really as we age ah really very difficult to lose eh now ah like, as what as what as the chinese saying goes translate into english now ah at it with our age ah you breathe also you fat lah breathe also become fat ah really no no really really (ppc) no really really really very difficult to lose weight eh hello


you ownself your you yourself your you you you are naturally slim ah you don't understand people who are fat with the fat genes, and that make you slim [orh] okay okay but for me is


but but you but but you usually you eat also not say very unhealthy one what, please don't tell me that look at your look at your slim slim figure , ya really eh do you know that during this work from home I did exercise


jogging, outside ma'am like a two point four every day eh not every day lah, what still can go outside jog one what


no, okay exercising will make me feel better yes, okay not for now you know why because on polling day when I was you see I was really being very enthusiastic to exercise and try to lose weight right and I sprained my leg


really, and I actually hit my leg and then I fell down you know so now I'm still uh #bai ka# okay anyway ya, I poll already I poll already then I jog I went I mean five plus I went down the jog and then I sprained my right ankle and then I scraped my left knee and I fell okay


what, ya I run I was running and I sprained my leg so you see I couldn't exercise so that's why I become fatter so I waiting for my for my leg to recover and then I can go back to exercise what


eh you do you know that when I work from home I keep sitting on I I just keep sitting on the chair from nine to five, ya then after that after I eat finish my dinner I go and study my own my my stuff what so I continue sitting [orh] I really hor from morning sit until ten what


ya ya ya so that's why I will exercise sometimes in the evening lah or in the morning then because like that polling day I I I sprain my leg so I have to wait until I recover I can go back to exercise you got exercise or not you like never exercise one right you, ah you see ah you see you breathe also fat this age


(ppl) okay countdown finish


financial related topic uh, okay so uh you want to share with me your investment strategy ah for your


uh so regarding my own investment strategy note, uh probably more of a passive and uh buy and hold approach regarding uh buying the indexes, but as I think it uh similar to you I uh shifted to cryptocurrencies as well because uh I think we uh when we are young like we are able to take


up uh much more risk as compared to when we are older because by then we will have like liabilities families and uh other stuff to take care of, ya so uh currently I have a large portion of investment in a cryptocurrencies and uh time horizon for such a investment is uh probably long term as well


however uh portion of it I use it for trading so more of a short term trading, so uh the trading strategy I use right is uh swing trade so probably I will hold certain positions from uh up to days and weeks for certain uh trades ya so uh the swing trade I get usually get in at value zones and of course get out


uh when it's near like resistance or support ya uh depending whether I'm longing or shorting the market ya so uh other rather other than investing I also uh a bit into trading as well how how about you


uh uh not I as as I same as you uh didn't but of course uh we we will study a bit of finance stuff in uni as well so I got a bit of knowledge in uh options lah so I I feel that options it's uh, it's a kind of instrument that is good for those who know how to manage uh risk because there's a much better risk to reward ratio


uh provided that uh it's in the money lah because if it's out of the money you only kept to the amount that uh the premium you paid for the options right, ya so uh personally I think that option is a is a good uh alternative as well but uh I haven't explore a trading that as of now


ya I agree with uh the statement but I think uh regarding to to the gambling topic right so, because they they ask uh whether do we think investing or trading is similar to gambling right


I think uh overall I I feel that investing is definitely like not gambling lah because it's a it's a long term strategy for for individual to accumulate uh more wealth because they they believe in uh the vision of a certain, companies uh where as on the other hand I think short term traders uh could be a form of gambling


and it could be not because it uh if a proper trader with a proper discipline and skill sets right it's a, it's a skill set that they developed to to take on a calculated risk to reward, to make uh the a certain trade and profit from it whereas gambling is I think solely based on luck lah because you have no control over what you do ya uh the that's my personal opinion lah what about you


uh sure I think uh back in the past about twenty sixteen or twenty seventeen when uh the start of crypto boom ah so basically I I was looking at the , tech industry uh bit I think uh specifically uh DVDR and AMDR because that's the graphic cards so I think back then uh due to the crypto height a lot of uh individuals are are getting into mining lah so I guess uh graphic cards are


earning much more than usual, and looking at their earnings reports and uh financial statements right I think it's a good good time to get in back then and of course I I traded uh the uh these two stocks uh then so basically what I did was uh I looked at the fundamentals which is the news and


their reports as well as the uh surrounding events ah like crypto and what not, then after that uh I look at I'd I did technical analysis so looking at the charts uh locating valuable support on a resistance zone to be able uh swing trade


so it just getting in and capture that one swing and getting out before, uh the the opposing whether is it bears or booze uh the pressure gets in ya so basically ah that's the two stocks I I traded then after that I I I feel that I'm able to


uh because being being young I mean am able to take more risk so I move into uh crypto trading after that ya, how about you


, so uh when you when you uh invested right back then uh you were using which account ah it's a CDP or custodian one and which one should ah should ah you uh like prefer lah in a sense will you prefer


uh okay uh I I think because uh I I search it uh recently because I was looking to get back into stocks uh after these whole COVID situation stabilise, I I think the the difference is a custodian account uh generally you don't you don't own your own uh the stocks


is the uh the platform or the, broker that's uh owning it uh comparing to CDP is like ya you when you purchase it you are the one uh you're you have your name on it lah so I think that's the the the general difference, ya but then uh you you you are right ah regarding the the fees the the brokerage fees et cetera I've I I think that for short term trader uh custodian account would be would be better because of its uh lower fees trading course


whereas uh for CDP account because you still have administrative fees because from the platform they have uh to transfer it to your own CDP account so another layer of expenses will be needed but then uh, on the other side if it's a long term investors will be better for a CDP account because uh for custodian account you have to pay annual uh custodian fee so when the when the number numbers add adds up right I think uh for for a long term


investor a a CDP account will be much more beneficial lah uh in my opinion ya


uh I think it's a it's a very good and simple uh strategy for for ratio and maybe beginner investor for for long term uh strategy lah because ya as as you said it


uh you don't you don't care about the short term noises because you are accumulating as much as possible, uh but then I think the the downside to it is the trading course uh involved if ah they're picking their own stocks rather than uh buying the index because of the uh individual uh trading uh brokerage fees uh needed ya


when uh I think it's a very good uh tactic is because uh you can't really uh time the market like for example uh when when there's a twenty to thirty percent dumb you you think that it's, a it's a bottom then you make for example you go all in and then it a week a weak later it it dumb again so it's like a catching a falling knife so rather than that uh


being in every every part of the uh time frame helps to ah minimize this mistake as well lah so I basically I I I agree with the DCA tactic ya, so uh regarding that how how about uh another question is uh buy low and sell high is this a good investment strategy


ya I I agree with uh what you are saying because uh personally I I feel that the the idea itself right uh it it's a good strategy but then uh it may or it it may not, uh work for all stocks lah because even though a certain stocks are are uh dipping taking a hit now there're there might be loses already it because of the current situation so


uh buying low for winners and comparing to buying low for losers right makes a very uh huge difference because when you buy low for winners as of now you can make a decent return when it get back up, where as you be if you buy low for a losing stock


okay, negative experience, ya, ya sure


(oo)


I see, uh I think for for me, what what really uh frustrates me ah I I can't really think of any but I think uh


that I previously I think when I have a relationship right so ah, uh one really one thing that really get uh gets on my nerves is like uh being being double standard lah so it's like being said what


uh what can be done what cannot be done while the other party do the exact opposite because I I think I I value like fairness really a lot like, uh I think if you want something from someone or if you say something uh you have to of course uh hold up to hold up to it as well if not uh I think


uh it's very frustrating feeling unfair and uh have to, like, manage that because uh you have to manage your own emotions as well uh with your loved ones, ya uh how about how about you uh


describing a time when you were unable to help someone, in in need ya


uh for me I think uh because my my relatives and ya my my relatives mostly have like, kidney related issues I don't know is it uh, it it runs in the genes or what ah so I think it's kind of a poor thing they have to they have uh ah keep like go for therapy and and some treatment lah because of uh kidney treatment then of course uh


I cannot do anything to help them uh, because uh me myself I think I have also like some complication but then uh it's fine for now lah so uh I feel kind of uh sad and uh for them lah because ah


you nobody nobody wants anyone to be unhealthy lah but then uh somehow because we are we are born this way or what uh it has to be like this right, ya so I think this this also link links me to the next point which is uh my greatest fear because I didn't since young I have some uh complications


but then uh I think after all the operation and what not uh it turn out fine but then of course they're stills uh this uh tingling fear in in me lah because uh it's still uh kidney related issues and whether it will uh re-surfaced or not ya so


feeling feeling bad uh that I'm unable to help them and also ah, being part of a the fear that is in me lah which is uh this uh, on this uh issue, ya so how about you uh do you have any like fear or what


ya


make me scared ah


oh I think generally uh scary thriller movie doesn't doesn't really gives gives me the goosebumps ah the the the the thing that gives me goosebumps is like


uh like those touching touching moments touching scenes ah like uh which will like hit your, hit your soft soft spot in in your heart those kind of movies instead, of uh those scary kind if you know ya


ah ya , oh shit,


oh I I see you know what's the the the funny thing is ya you I I forgotten about this because I don't know ya after that I didn't I didn't think about it uh so so basically ya uh in the senior camp we were we were both in the senior


camp I'm I'm the scarer in the exact location so uh basically I I'm I'm from the programmer side I I'm the one running the fright night, ya so we had a we had we had a trial run right then uh me and my uh partner we're supposed to be a scarer in the particular uh area


and somehow because one one of the another senior which is our uh how to say those are going to the fright night one so they're they're testing out the programme uh just just so happen uh she's able to see those things ya so she caught off the whole thing and told us about it


uh there's another entity in in the area lah, ah ya we actually at at that exact moment right, uh we we did at uh goosebumps ah but somehow I I didn't know why I I forgotten all about all about it, ya but then uh thinking back I I think


uh I already forgotten nah so be but I think it didn't had had much impact to me, ya and and as a as it had for you ah ya


uh, negative experiences right, I see uh uh I think, for for me my poly days uh was smooth sailing uh probably one I can recall of is uh, uh at the start of my uni days lah so so I I got I got to know this uh this friend of mine through MBS camp so it is one of the my MBS friends lah in my OG


and somehow uh we we are in the same uh same classes for all our, uh modules and I think back then uh we had we had this uh presentation uh this is major presentation coming up and I think he decided to that we should uh practice beforehand lah so I think we rehearse multiple times uh right before the


uh the lesson and and what happened was uh we, kind of got mixed up uh in between is like uh, I was it like I got I got into his uh script and he got into mine so it's it's kind of like very uh confusing because while while we were practice practicing right uh we kind of remember the wrong things is like I remember some of his and he remember some of mind so our content


got slightly mixed up and of I think both of our uh presentation uh did not goes go at as planned lah so I think our our results took took a hit and then I think uh, some of my other friends felt that uh it it was his uh idea lah like you know in in uni there's always like a bell curve so it's either you you'd be better or you make someone worse


to get ahead or in the bell curve ya so I I I think is is quite unfortunate that uh this this uh this feeling or this experience always linger linger around in in uni ah up till up to this day because of the bell curve


and you you don't really know like who is your like uh real friends in in a way lah because it they might eh they might do anything for for their grades or what not ya so I think, this is one of the one of the moment that I felt that ya it is quite unfortunate because in a place like university where where everyone should just come to to learn and it's not just for their for their grades itself it turns out to be a very cutthroat uh environment for all of us lah so I think this one of the


the negative uh experience in a schooling environment I had so far ya, uh let me see ah do you like can you describe a, a time like when you feel that you have committed something gravely wrong and there's no way to get back up


and start over ya


uh for me I I think, there's this time ah when I'm still young back back I think it's uh back in secondary school


uh I think because guys are we we we have like ego issues lah I I think so I think back back then uh it's always about playing certain games and who we think who is better those kind, so I think somehow uh I think it uh I used to ah ya friend that is used to be close to me right uh


say something bad, about me lah but I think I think it go it it takes both hands to clap so I think we we we were both at fault but then what what happened was uh ya so he said something, bad behind my back and then uh but the other, the other friends know and and told me about it then me and him we we had a fall out because of that and it was quite bad because uh we used to be very good friends and uh neighbors and and because of a certain childish uh stuff we we couldn't let it go


and uh we were at it for quite a while uh until like I think a few few years later, uh when we met and I think we uh we are able to let it go because in in a in the end uh he he still uh block neighbour so time to time ah I still see him but during that phase uh we we pretended that we we didn't see see each other lah


ya until like uh certain, a certain event uh we have to meet because we are still we were from the same CCA so in the end we had to uh go for this uh reunion dinner or some, thing like that and then uh at the at the event uh when we met uh I think we we patch up nicely uh and ya so thinking back I think back then


it was quite uh childish of us lah ya so uh fortunately, in a way uh I'm we are able to get back, and start over but then after a really really uh long time lah ya which I I feel that could be sooner if uh we were more mature


in in the in the ya , ya


(uh) ya I I think (uh), in a post COVID world some of the worries are (ppo) you mean is like what if the virus (uh) resurface and


positive experiences, , eh you can you can start by asking me some things about me [loh]


okay I as for me I think uh basically it's the same uh uh sports and and playing uh competitive games makes me feel, more alive than than usual because uh we we are guys lah so a bit we are a bit more of uh competitive in nature so you get to uh showcase your own skills and talent so for me uh sports right uh


rather than playing soccer I I like to play badminton you know I used to play uh a doubles so basically, uh like why why do I really like to play eh badminton and it it feels because uh it's not that uh rough and in a sense no body contact because uh we are one side of their court and the opponent and is uh on the other side


and we just hitting the shuttles ya and basically is a lot of uh mind games when uh to think whether where where your opponent will place the shuttle and where's the next move and which area to cover so that there's a lot going on on the court itself and only have a split second to react that's why I think


for badminton uh fundamentals is uh very important which is the foot work because you have to get to the to the area to to cover it before the shuttle hits the ground ya, and and in regards to the electronic side is which is a computer games right ya I I think both uh me and you we we played uh competitively on uh dota which is a five five V five uh strategy uh based games


real time and with is like technically is like any other, sports ah I feel is like uh a five V five like like a basketball each and everyone of us have have their have our own roles, we carry or what in the game and then uh one main thing is that we need teamwork because it's a I think is a is a really a team game because uh if one guy screw up I think is very hard for the team to uh managed back ya


so because we are able to do this at a constant level and being uh feeling great about it when you win lah it makes me feel better and which uh much more like alive lah in a sense ya, so I think let let's move on to another question lah like uh what is a skill or an ability that that uh you're secretly proud of having


ya, ya


I, I see I think I think uh a bit jealous of that because I think I'm the opposite of yours because I I'm more of a prepper so in a sense I like to, get everything ready and if it's not in line I will feel a bit much more stress than the usual ones uh so I think for my own ability that I've I'm secretly proud of having ah but but not really good to say is like


I am able to uh like pick up girls like in a sense like I'm able to connect with them and talk to them and ya make them laugh, uh ya uh easier lah, in a way so is like being being friends with them lah but then uh that's in the past lah uh right now I think much more is regarding uh like our my own financial ability to be able to uh invest and


do my own financial planning for my own future and uh my for my parents as well ya I I think that's a a more filial in a sense because uh they they, they took care of us since young and of course we have to do something to repay their kindness as well so


ya that that's a more of uh, a skill that I'm proud of ya, uh how about uh, occasion when when did you blush the most can you describe ya this uh experience, if was ya


uh actually kind of surprised we have the same same concept because for me it is not chinese it's uh is english so basically since young I didn't like the the language uh


english language lah so basically I will just uh don't, don't ah really uh focus on it so in a sense I move on and focus more of my other subjects to to uh make it better to cover up for my own weaknesses so I think that's one thing that uh I'm a I'm able to do well because uh


when the form teacher uh handed me the uh report card ya so so basically english was like C six whereas the others was like A one or A two so, ah uh I basically know where I'm weak at and so I just uh put minimal effort in that and put maximum effort in those I'm good at and passionate about which is numbers and math so


back in the days I I took E math A math and POA then uh after that I move on to poly and NTU uh taking uh accountancy as a as a where I'm going next lah so I'm focusing more of uh numbers related ya uh, so that's basically it uh how about you want do you want to tell me about a time when you uh made a comeback and shut everyone up ya


l see uh


so for for me, uh I think I have a different kind of story made mostly like uh is a from a game so basically I I as I mentioned earlier we we played competitive uh E games so uh back back in uh a few years ago me and my friends we entered in some tournament


then uh of course we we got into the uh, bracket and what happened was uh we had a very bad start so as you know gamers we like to uh thrashed out the opponent to to bring them down to throw them off their games so ya uh we were on the receiving end


for for the whole sixty minutes because, uh uh no actually uh a game could last from a thirty uh thirty minutes, to maybe few hours for one uh game one round and basically that was uh a a really really long game I think it ended ah after two hours so basically the first one and a half hours we were


the defending side because uh we started off the game really badly so they cannot already came on the offensive and of course making nasty remarks uh about us but I think uh my team we we persevered through and uh we did what we need to do to win the game


and of course it uh it shut them up uh literally and what not lah because after that we we won them and then of course we, we went to the uh finals and ya we won that uh championship, ya so from that I think I is uh a literal comeback ah from from the game itself ya


uh ya, how about uh what is your, best surprise ya


okay uh for me I think uh the best surprise uh was uh


getting into NTU itself because initially uh, after I received my results uh from poly right uh I, I applied for SMU, I and then I I thought uh it that was it lah because uh SMU was a is closer to where I'm staying and is also uh it has its own uh credentials and what not


and the the the only difference is the SMU is a four year course whereas uh NTU accountancy it's a three year, but then ah after another year of uh consideration while while I was in army I applied for NTU but then uh


it was a kind of hard to get in at that time I think because I'm competing with uh the following batch of uh applicants ya so after I uh applied I I waited for, uh I think uh weeks to months and there wasn't any uh reply getting back to me uh however ah ah I think one one fine day ah I got the I got the letter but then it was for an for an interview lah


so ya it's it wasn't uh, quite a, uh long surprise because I I waited for for them long because back then uh after considering my options I really think that uh NTU will be better suit for me because right of the three year instead of the four year means I I'm able to uh get into the workforce earlier


then uh then the interview came and uh it was quite a quite a uh surprise because I have to uh write write an essay before the whole interview start and it was it was a topic what that I was uh unfamiliar with lah, and and then I I tried my best whereas I I think that I didn't really uh do really well


however uh a few few uh months later I I in the end I receive a a letter regarding acceptance lah so I think the whole the, whole journey was a very pleasant surprise and how it turn out and then in the end uh I managed to get into NTU itself ya


uh, you got any uh questions ya you want to ask anything


uh I think I think uh it's the same for me but then ah uh I think a bit more closer is like uh before this whole uh uncertainty uh happen


ah I was still back in uh uni because I I stay at hall, I didn't have much time to spend with uh my family members lah in the sense and then when when this uh pseudo lockdown uh started and of course uh certain changes have to be made for their work so like let's say


uh work from home and of course uh but I my parents is still uh working at the uh, the place itself but then my my aunt my aunt stay with us as well so my aunt was a has been working from home since then uh alternatively, so uh basically I I spend uh much uh more time with my aunt because uh so so what happened is like uh I live in the same flat with my parents whereas my aunt uh stay ah


in the seventh floors which is different unit, so now nowadays right uh every monday monday wednesday and friday I will uh go to her house to uh have lunch with her so it it kinds to it kind of like a, connects uh back with my own family members lah and spend more time with them and to understand like how they are coping because I think they're because they are working full time and we are just


still studying or getting an internship so the impact is not that significant as compared to their lah I I would feel that way, ya so uh because of this connection I feel that I think, in every bad I think I I still see something good so it makes me feel more much more optimistic about the uh future ya


uh let let's move on how about can you describe uh a moment when when you felt the luckiest ya, ya


I I see ah for me I I because until now I I haven't struck any lottery or TOTO lah so I don't have really that much luckiest luckiest moment lah ya


ya okay that's it


sure alright so maybe I'll I'll go first so maybe we tackle the first question which is uh what is your investment strategy and how would you plan the portfolio as well as the uh how long is your


investment horizon so as for me I I believe at least based on what I research so far regarding my investment strategy will be that uh I always uh will look at it from a long term perspective because at my age I'm uh uh twenty four years old


so I'll say that I have uh rather ya long uh long way to go in my life so uh , hoping maybe I can retire by fifty so that like given about twenty over years for my investments


to have a return so I think my current investment strategy is to invest in slightly higher risk market and maybe some of it uh uh like stock at as well as like uh cryptocurrency where there's a lot higher


return but also a lot higher volatility but I believe as long as you are able to fit the fundamentally, uh correct uh stocks or the, correct investment decision in the long run it will play out well and uh because I've such a long horizon I'm able to write out the noise and make that is loud say a nice margin by the time I need the money as for how would I plan my investment portfolio


currently I believe uh majority of my holdings are in like crypto currency but ah I do have like a small, portions were located to stocks but then eh as for the planning wise I'll say since I'm young uh this is like a higher risk approach but as I grow older I believe that I will have uh like a safer allocation where I'll put some of my money into bonds where they are uh


much more safe like uh maybe uh twenty percent allocation and another like fifty percent, put in stock and the remaining like thirty percent in crypto currency in the future to have like a more well balanced and diversified portfolio, ya how about you


ah I think for me I won't say I'm a very good trader because maybe partly cause I'm quite emotional when it comes to trading and I cannot hide out all the noise so I think I prefer to uh maybe like you like you said get in at uh strong supports and write out the noises


and when you get a good margin then you'll take profit from there ya so uh maybe we can talk about uh option as for me I never invested in options before but, ah I did study a little bit on options in


my uh some of my modules in university uh so eh what what about you have you invested in options before


right ya I think while we are on this topic like uh do you think like, options are worth looking at for new cash-strapped investor as for me I think uh options for a new investors is actually uh not a very good idea because I'll say it's like a little bit more complicated than simply just a longing or shopping at as that


and uh a lot of times I would say is use to like cover your short or long position to cash, at times but I'll say like a lot of people use it as like a gambling tool because you will can actually get like really insane returns if you actually make a right


call but uh a call of short option but, I don't think it's very good for a new cash-strapped investor because if like you said the options expire out of the money you'll lose whatever premiums that you paid for and and uh if you you won't get any capital back ya so what do you think


, well I've I I I feel that you know sometimes there are at least for trading wise it's kind of close because ah you like you said gambling, yes it's base on luck but you know sometimes in gambling you also need to calculate the probability I think it depends on how you look at it maybe some people gamble is blindly gamble but when I'm gambling maybe I do look at uh like probability and risk like same to trading it's you do need to look at like uh the risk to reward


but as for investing I think, it's a lot less like gambling because uh you do have to look like do your own research look into uh the asset class that you are buying and and, you know make sure that whatever money you put in it's uh is worthwhile ya so I think uh trading is a little closer to gambling but maybe investing as you you need to put in effort to find


out you know how to make the correct decision, and what not ya so uh have you invested in the stock market before uh maybe you can share more about this


as for me I I think I got into the stock market quite young but at that time I feel that I, wasn't quite sure what I was doing that time I was like learning from a friend my mom's friend uh on how to like go to your trading as well what to look at for investment in like the stock market and I was looking at SGX which is the singapore stock market ah and and


uh she recommended a few stock then and uh I you know I listen to her advice like kind of applying it because you know, young at that time only eighteen but I set up like my own TDB account and then ya I I bought the stock that she recommended and


it'll it produce pretty decent dividend you out, gain but not so much on like capital gain side so uh I won't say it's a bad investment but uh maybe it's uh more like risk adverse investment because there's not much capital capital gains but you just get like a center amount of dividend you every say every quarter


ya so I think uh like you said when picking out stock there's uh different things to look at like fundamentals and technical uh as for the stock market I, believe to look a little bit more on like the fundamentals type the


a for technical side is not so much for me so fundamental I will look at like the company's PE ratio price to book ratio basically like their valuation ratio as well as like industry specific new for you mention like for example in the like oil industry recently there was this news where like you know


crude oil actually went to negative and a lot of like oil might point, mining and the oil companies were like puffly affected ya


okay so that time I was using CDP and I have been using CDP all the while I were I did it with Maybank Kim Eng and, back then there wasn't or at least back then I didn't know there were other apps like you know SHAREit market IBKR similar apps or like custodian account uh since that I was like back in uh twenty I don't


maybe fifteen ya twenty sixteen so uh back then those apps weren't that popular yet so I was using a CDP account and I never use the custodian account before so I'm not quite sure what are the the benefits but what I understand is custodian accounts have


a lot lower fee so maybe like I can check that out next time, ya


okay so maybe we can share a bit on our thoughts on like dollar cost averaging so uh, personally I think like dollar cost averaging is quite uh like a good


way to invest especially like passively so uh usually maybe I can estimate what is called cost averaging basically, uh you every month you set aside a standard amount of money where no matter like what price


that particular instrument is you purchase uh like say one thousand every month for over uh a time period, so I think what this uh method actually brings about is that uh you you kind of like uh do not look too much at the noise and the fluctuation in price rather get just uh accumulating that assets over time


period and uh hope that I will just hope, that because you have done your own research and believe that this asset has the necessary uh fundamentals to get you a nice return in the future so what do you think about uh DCA or dollar cost averaging


well I would say like maybe specifically buy low and sell high it looks at like maybe the time period


so like like you said different people have uh different investment horizon you could buy low as in like , in a very tight trading range maybe you buy at one one ten and then you sell at one twenty for example you make a a good like percentage and then you get out


or you could look at it from a longer perspective like uh you accumulate, a a except when it's like fundamentally good but then nobody is looking at it and then after like many years you sell it but I think basically, investing is about finding uh the value in assets when nobody see it and then uh when when people start to uh get on the you know so called hard train and then that's when you want to look at oh ah is there is that a good


time to sell now when when the price is like going up, or should I keep it first so it it really depends on your investment strategy so if you really believe in what you are holding I believe, uh there are certain assets which you can hold for good and you don't need to sell because uh


it will appreciate as the time goes on but you know it really depends on your investment strategy


ya, so based on what I understand in the news uh at least maybe I give you the context like roughly the, whole world economy kind of looks at how the US stock market is performing at least I know for singapore stock as well as like uh european stocks so uh


what I understand is like it's had is like pumping a lot of liquidity lowering interest rate basically a lot of monetary uh policies in place in order to prop up the economy and it successful is it where we had like kind of a v shaped recovery from uh the bottom


of like uh march and now we're like I will check back to our time high but we made a decent recovery at least for like the SNB but the Dow Jones is still a little bit behind uh what I understand is uh, a lot of this is because of the liquidity that the had pumped into the market type similar to to uh like what the US government is doing and the whole world stock markets is railing because of that that's what I understand


negative experiences uh, uh so maybe I can start uh so I I'll talk about like what kind of frustrates me so maybe I can start off with uh like what are the thing


where I feel like I'm very frustrated like when I'm like working you know when I'm very bogged down by very administrative procedures and mundane are that's one of the things that I you know kind of frustrates me and I hate doing which is like you know


doing the same thing everyday and not being able, to use find creativity and out of the box and tackle solution ya so I I I for me I don't really like to handle, very administrative things where it takes


me a lot of effort to like check on I I how do I put it like check on, very administrative task ya at least, that's what frustrates me in terms of work so maybe family wise I think uh something that frustrates me is like when


my when my mum nags at me ya so uh, for that I ya ya because I know my mom generally a very uh naggy person, so uh like I every small things that I do for she will like say oh don't do this don't do that but I don't I'm a person that also don't like like to be micromanaged so uh when someone tells me to do every mitigating her way or his way I I get like very frustrated lah


, let me think about it so I think like, there was this time it has it happens like quite a few times you know so uh I'll say like you know when sometimes I


see uh people on the, street you know like uh selling tissue that kind of uh like old lady that kind, like I would I am able to help them in a way say I helped them once by buying a tissue from them, but I think it's not like solving the underlying problem uh like it it that it may could be multiple underlying issues when you know some some old lady need to come out and trying sell tissue and what not could be like they didn't have a good retirement plan their their children is not


taking care of them things like that so uh I I for me I think like I felt very bad that all I could do to help them more, like uh to buy a tissue from them so ya that I'm not really solving the underlying issue at hand ya how about you


I would say I think there's a lot of people with fear of heights for me I'm not very afraid of height maybe I'm, more afraid of uh insects and, more specifically like flying insect I don't know why but uh for me like I get very sometime I get very annoyed


at like their buzzing sound and then I feel is like a very scary sound to hear I don't know why but, everytime I hear like something buzzing in the room like l will think it's like a flying insect I mean if it sounds like one then I will like uh uh get very afraid can like kind of like run out and ask my roomie to kill it for me you know ya uh I would say like I hate insects


in general lah uh but but more specifically like flying ones and especially like cockroaches ya uh, they they really can I don't know why but maybe when I was young I watch too many insect documentary and what like these things can do so I got very scared you know ya so uh


maybe you could tell me more about uh something that like you, when you watch that gave you goosebumps or make you scared, like gave you goosebumps do you have any like scary movie that you watch


before or or like like when if you go to a haunted house or something like that


oh but for for me I think there was once that I say like oh there was a few times when I I got goosebumps I mean I can share like this time like I think it was like during one of the camps where they actually have this like you know haunted house, kind of thing I'm not sure if you you've been there lah you know like I think during that time like some very weird thing happen so I think I we were the seniors at that the camp so uh


I think like during that time somebody like sense like somebody had a third sense kind of thing and then they they said that there was like this, other presence in the room and then, ya you know you know like uh it it sounded very scary and then uh I think the event like had to be called off for awhile cause


everybody was very uh shaken by the whole event so you know uh I I when I went into the room you know after that I feels like I got a goosebumps lah because I'm I myself a little bit scared of like ghost and what not ya


okay maybe you can share a bit more like negative experience at least for me uh like a negative experience I had in in like my poly days for, like uh like I had a friend I won't say he's a friend but you know I I you know I met like this classmate and and uh


maybe I approach him to contact so like we we did a project together and then uh basically, did what she did was quite despicable lah so, like behind our back she went to like tell the uh like the lecturer that we didn't


uh do certain part of the, project and like we should be marked down that kind of thing and and and then like I was me and my the other teammates were penalized because of her comments but actually we all did like fair amount of work


together and, ya uh so actually we did like a fair amount of work together, and and and I didn't know why she said that and


in the end she got like a much higher higher marks than all of us so I from then on I was like very wary and, skeptical of like uh the people that I work with and a lot more cautious when I'm like picking my teammates ya do you have any of such like negative experiences involving


people ya


I won't say I have any of such experience, not not really lah ya maybe I can share a little bit more, on like uh some


negative experience that I have uh, in between groups of friends I would say ya so uh like maybe I refer back to some uni experiences as well so uh in hall we, have like you know this group of friends in in year one where you know they were like from the same uh same OG camp group but then


uh over time I I I didn't know if like this issues existed before but I think like overtime people started to drift apart because of certain personal issues or what not and I'll say like it some people let their own uh personal


feelings uh get in their way and uh react very negatively and and and like you know the, for group dynamics became uh very mess up and everybody was like a bit awkward each other when they met up because of just I think one person uh being a very selfish individual and and like I I think


you know uh for me, uh within friends I think we shouldn't have like agenda when we are making friends but I think they they that that guy uh had a agenda when he was for in group maybe he wanted be to be like the decision maker or like the leader of like the group and and


I think when when he when things weren't going his way you know he, started to like do all kind of like funny funny things and and I think he was a very sensitive individual, so so uh he got offended when when you know


uh people I think went out once without him so after that it was a very awkward group ya so I think uh that is a quite a negative experience for me and it shows me how like some people make friends for purely just an agenda ya oh what what do you think about


ya maybe I think we round up with like one last question is like in the post COVID world what are the some worries that, anxiety that became so I think


for us I I at least for me I realise is a very, competitive environment out there uh say whether through job of opportunity internships all that through like my this past year of finding I think it's a very competitive environment


and you need to you know have like your own unique selling point, and and paint a story of yourself in order to be hired so uh I I worry that next time you know when when I actually graduate and come out and look for a job, I won't be able to you know get into an industry or do something that I like but I I think uh is it's more about like looking on like the bright side where you know you can just take out whatever opportunities you have at hand and and uh see what you can do about the phase ya how about you


so ya uh is that okay


positive experience ya so okay so maybe who who want to start, alright alright so what what makes you feel alive okay uh


maybe that's a bit of a graphic, question maybe I can say I love it more on like uh activities that I do that make me feel like happy or you know cheer me up so basically for me, when I feel stressed uh usually I would like


go for run or uh, basically go and exercise so like I would say like exercising helps me like keep myself, in check and and you know uh helps me release the stress and take some time off whatever I'm doing ya so uh


at least in university like whenever I'm stress I'll go for run ya and I'll say like I used to play soccer and and like that really is one of my hobby until you know I I dislocated my shoulder and ya uh I haven't been playing since


so ya that that that's some of my hobbies and when I'm doing like my hobbies I I do feel alive you know and happy and uh maybe one of another thing is I I love to play computer games as well ya


as for me is it I think uh would be the ability to you know, stay calm and positive like no matter what the situation is most of the time I will say like uh when people uh


feel very I will say like sometimes people get very stressed up easily maybe is just cause I take things more lightly and then like, lightheartedly for a lot of things like for example when I'm in like university, people get stressed over like projects and I'm just like oh let's let's take a chill pill you know we can look at it from a more uh positive direction or like oh later lah there's always more time you know let's like chill for awhile first


so maybe I think I'm just enjoying more like you know laid back and and light hearted person not that I I I I work get things done when uh it needs to be done you know when the head deadline gets closer and what not but, generally I think is the ability to like stay calm under stress you know like sometimes when before a presentation some people you know get a nerves but I like or maybe I take three deep breath and you know calm myself down and


be able to , present and and project my uh my point to the audience ya I'll say like you know that that is uh skill or ability that I'm like quite proud of having ya what about you


correct


ha when do you have like I won't say it's like a positive experience but maybe like I I would say like more embarrassing one for like you know uh


it's just an embarrassing experience in general uh so like during O levels like I I took higher chinese in in like uh during O level so uh during that time, I wasn't planning on going to JC so I was like uh you know we we don't need I don't really need that that uh extra points you know CCA basically gives you like extra points when you are going to JC but I was I was already planning go poly so


I kind of just like slump my higher chinese and then you know I was the only guy in the whole cohort that, failed higher chinese and I was like super embarrassing so like when my higher chinese teacher came and talk to me like I really felt like I disappointed her and like


you know it wasn't like looking very good on her, so I I was like very embarrassed I don't know how much I was flushing lah but I was just basically very embarrassed ya what about you


okay so ya okay maybe I can bring up like


uh how I was like in uh, secondary school which kind of like this very playful kid uh always screwing up you know all the teachers always, picking on me and and uh like I were they thought that I wasn't going and do very well for my my O level and what not and


you know I I studied rather hard and then I did pretty well for my O level and then I think they all rather surprised at the result that I got lah less less not the higher chinese but other than that I think generally I did pretty well and I got into the course that I want in poly


which is like a business admin so uh I think I won't say is shut everyone up but then it, kind of prove like uh uh like prove them wrong in a way and and also like my parents were pretty proud because now I could get into the course that I want ya and ya that that that's like you know kind of a come back and then like


I would say maybe when I was in poly uh, I I don't think like people thought like you know we could I could end up in a local U but end up, you know I I I managed to get in during my application so ya I think you know that that I won't say I shut everyone up but I would say I perform like above expectations ya


best surprise uh okay maybe I'll share something more recently so uh I'll say like, in like during my in uni year two which is like not to long ago ah


I studied like pretty hard I won't say pretty hard something like quite hard for that semester and like I manage to score quite well so it it it came as a surprise because you know during like me exams uh I didn't feel that I did very well


so during the whole time, uh uh like, that were during the whole time when I was waiting for the results to come out I was like oh uh this is another sem that I am going to screw up in you know uh maybe do even worse, than like my first two sem in uni but then like when the result actually came out uh I I actually did pretty well and and like it was like really really not uh in my expectation so it was like a very pleasant surprise for me ya


ya, maybe we can move on to like the current uh global uncertainty and what makes me like optimistic so like you know on going that's been like a lot of going on and you know COVID nineteen and what not I think a lot of thing uh it's going to be


change and is already changing, so uh I would say like it mess up a lot of my plans you know I couldn't go exchange and I have to remote my modules but those are very small things I would say ah


and and it's very hard to find internship during like this period but I think there are many like, things that we can be optimistic about, uh I I would say like because of this many other


ah I mean there are many businesses that are suffering but at the same time people are, still are making use of this opportunity to uh, some start new businesses and and definitely more there's there's definitely is other business opportunities that would arise because of this and uh some some uh you know like some sectors aren't doing well but you can see like the tech sector when