friends who invest hundred dollars two hundred dollars I think it's just for you to go and read up more on the things and ah find out about how the market trends has been so that you yourself can learn so that when it comes to meet that, oh actually want to invest big even though you can get a financial advisor you yourself know what's going on as well I think it uh you know compliment to financial advice as well


uh so uh if I do suddenly uh uh have a million dollars uh when it comes to investing uh well personally I think I will definitely allocate at least half of the money ya into things that would be stable meaning to say having a house or education and this kind of things like


uh the the value might go up and down a bit but usually the values are quite stable especially like the housing market in singapore I think over the past decade uh the value just keeps rising hasn't really dropped especially in the uh areas like city areas so


I would say I would invest in somethings that are very strong uh to to make sure that, uh uh I I would have some returns at the end of the day and I won't lose the money and the remaining five hundred thousand uh I might, look into investing in sectors that uh may or may not give me the returns and uh even then I'll probably wouldn't be taken huge risks because after all the five hundred thousand dollars you should be getting a decent amount of returns even if you take a small risk now I'm not the kind who goes out for millions and millions of dollars lah


so personally that that's what I would do with the million dollars how about you


as for what investing actually means to me ah personally I think investing is really a bit like gambling because ah if something is not going to definitely workout


you usually uh not consume too much into it and you just uh uh give up early on but if you think that something has potential uh then you will continue to invest in it uh but at the end of the day, you never know whether your opponent will have a hand better than yours and you will end up losing all the money that you invested in it


so uh uh personally I think you can do your research and you can uh learn all about it but you will never know like for example the financial crisis in two thousand and nine two thousand and eight uh, it it just happens uh and uh even though things are reliable and uh at the end of the day things just turn sideways lah


so personally I feel like investing is a bit like gambling, because uh no matter how much you prepare the end of the day is also down to how the market goes


<B>


uh so uh at the end of the day right whether I would invest or not uh personally I think if I'm going to start investing, it'll take me some time first I need the capital and uh I feel like while you can learn things from investing in small amounts but the amount of effort you have to put into uh understand and learn the things is actually quite substantial and the returns you get is relatively small


so uh personally I feel that our first goal on a stable job and uh earn a certain amount of capital and maybe ten twenty years down the road when I have enough capital then I will seek someone who who can help me with this uh financial advisor obviously


get helping with this and then uh I'll get his advice before investing on something uh I think that that will that will probably be the best way for me to go in go down the path of investing uh for now I think what is nice to talk about I don't really have much to invest in okay


part three negative experiences, okay Zaki you want to start


for me uh I think, it just it just duo set ah time lah so so same in I was during army as well but it was after the route march so uh, the route march uh even though they reminded us uh not to take too much weight uh I ended up carrying a bit more than expected and uh


as I was walking and I and I you know how uh you you would have gone through it lah so you you know how it feels towards the, twenty kilometer mark uh they keep telling you it's almost there but then it it's nowhere near and uh you keep walking and walking and walking and uh so once once you reach already right uh I made the mistake of sitting down


the following morning so overnight march and ah that's when I, that's when I broke down I because it was like it it's been a couple of weeks you know and I have not really gone through such experiences before and uh and and the point in time I was like


oh my god uh I have been uh walking so long for days and uh the parades are usually in long and tedious and uh uh I mean I I can try to make myself feel better lah but I know that I shouldn't have miss my POP parade uh that that one hour uh when my parents are coming down and all the stuff ah uh so


I was I wasn't not not not feeling that well, at that point in time so the doctor said no I cannot be cleared I could do the run but, I couldn't do the parade itself to standing in the one hour kind of thing so uh that was one of the times that I felt really sad lah and uh I try to make myself feel better but it's like oh my god why did I miss it if I have been uh just uh listen to them a bit more than have been better that it's one of the sad moments in my life


ya how about you Zaki


you know for me it was ̣ uh actually I didn't expect it to be because uh we we get exposed to a lot of contempt on the


internet and there's always a lot of things coming in so sometimes when uh you see something and, a picture or or video and it suddenly strikes you somehow stands out lah because your, you you get desensitised to it but that was just particular time when uh I think I was in uh first year of army and uh somebody have forwarded me an email and they was saying about inequality in the world and uh you know was two pictures side by side and uh one of the pictures is like uh is of somebody's house uh some some person who has uh


all industrial spent like that and uh they have taken it from a one kilometer distance when they cannot cover the rooms of the house because the house is so wide and then right beside that uh they put a a scene from uh one of the uh a a a scene of basically poor people living down on the side of the road


and uh uh it it also stretches for one kilometer lah and uh those people are cluttered and crammed together and uh it's it was it was one of the scenes that really like stuck me and uh I felt like oh my god something has to be done to change this but uh I also know that one person one person can make a difference but it's usually when every


thing align together then you can make a difference but you know that exist and uh you know that it doesn't have to be that, way but it is that way and uh I I I really felt bad for quite a few days after that uh after I have uh I saw the picture and uh even now if I ever see the picture again I I get gloomy and


and moody for awhile because I thought that was like there's so much inequality and uh it it doesn't have to be that way you know it it's people are more open uh if people are willing to share so I though is so all the thing are greater, uh


for me like uh one thing I I I I usually, worry about is uh is my grandparents ah uh I'm I'm like lucky enough to have all my grandparents with me still uh except my uh grandfather on uh on my father side so uh he I think he passed away like three years ago


and uh so I was like at that point in time I didn't realise it uh but I realise like as we grow older and older right that uh our our grandparents are growing older as well and you have so gotten used to the fact that


they are there that uh you you you forgot a forget about the part that they actually running out of time and uh, if we don't uh like uh tell them how we feel or show them our appreciation now you may not get the opportunity to do it again perhaps ten twenty years in the future so uh


it's like because initially I wasn't expecting it then one of my my my grandfather gets sick but he always gets better he wasn't getting sick for ten years and then suddenly he wasn't getting better and uh and uh that was that was really that something I I I didn't cry but ah it it


it it made me moody for a very long time and I realise that uh uh, that people have to move on and uh and uh you you, you you just hope that they have a peaceful rest and uh there's nothing much you can do about it and just have to treasure them when they're around so uh that was that was one of the moments that I fell like


uh I keep thinking about it lah that uh if let's say some my grandfather somehow falls down then I'm like oh my god uh so when will it be and uh how long do I have left so this kind of thought so I worry about them a lot


personally there was there was uh, like uh, moving away from grandparents lah but uh uh there was there was one time uh I was uh I was, I I made a mistake basically I I will I used to drive uh this vehicle in army and uh you're not supposed to uh you're not supposed to uh drive the vehicle until you have released the parking brake so I made a mistake


uh but uh it it has three cabins so I made a mistake I thought the third cabin was too heavy so the vehicle was not able to, so uh I pressed on the accelerator I mean it was


that that was one of the like like lowest points in in army for me lah and have press on the accelerator and the whole vehicle started shaking and I know that, I was I was very fortunate that uh there was someone there tell me oh my god you're doing something wrong and uh it scares me even now lah if I had held on a few more seconds


then I wouldn't be sharing the stories right now and uh it it it it it really served as a reminder for me lah to to live life to the fullest and uh uh do not make big mistakes of course and uh uh it was like and also like has a very bad scolding from uh from uh


my uh senior I will call uh senior warrant then, and uh he was giving me punishments and stuff but, thought it was it was really one of the lowest points in army for me because I made a simple mistake ah even though I thought it was supposed to be a learning experience and blah blah blah but I couldn't get over the fact that oh I was this close to death and uh it really scared me lah and uh it uh it it it really


felt like that that particular week right no matter what they did and whatever things I I kept worrying about, oh but this is going to be something I'm not forgetting something I'm not forgetting something I think it was it was personally one of the one of the low points life for me


positive experiences, okay I guess I'll start then uh so uh let's start with uh describing a moment when things turn out uh better than expected because I just recently happened I think it was yesterday uh I don't think it was yesterday but uh so uh I was I was leaving for some


thing and we're having a a a gathering of five people and uh we're we're going bowling lah basically and uh it was a overseas community involvement programme a a meeting and so uh it uh it it turned out there was a bit of a delay and something going on before that and uh uh it was like


uh the journey is supposed to take me roughly around fifteen minutes and uh by the time I left the place uh it was around uh, five seventeen and I was supposed to be there by six so I thought oh my oh my god I'm definitely gonna be late uh then uh I was rushing there lah but I think uh you know how usually singapore traffic it's it's always not the way you want it to be


but yesterday it was slightly different when I went there just nice bus game when I went down the escalator the MRT was right there the door's open and I actually ended up reaching there before six o'clock and I was actually the first one to arrive, so I thought I was I was thinking about it I was like !wah! is such a such a great thing it it rarely happens you know usually you


if you get out late you're definitely going to be late, uh uh sometime like !wah! with all MRT breakdown and stuff finally something good is happening it was it was a pleasant experience how about you Zaki


okay and then the yeah, uh happiest moment in my life uh oh there's so many I'm not getting any but ah


no uh happiest moment in my life ah is uh okay, I personally I I I know A levels is supposed to be more important than O levels but but personally for me I think the O level results released was happier then A level for me


uh because uh for O levels uh you know everyday the when the when the results are released right there's a lot of pressure and people are very nervous right before the exams, everybody's going and sitting down and stuff so it's like and I had the same thing lah I went through the same thing and I was uh feeling a a bit terrified and uh whether it's going to make it or not like somehow everything looks bad


and uh when I was sitting there and uh it finally gave me the uh paper right and I and I looked at it and I was like okay it it wasn't the best but I thought it was like, it was definitely uh very decent and uh and and personally I was I was I was really happy lah because ah my teachers has been scaring me they all like because I ask them how did I how I did then uh my physics teacher he was like oh do you think you deserve the A then I was like


then I was starting to doubt on myself [loh] I'm like oh my god, what is he talking about and and somehow right all the tension uh just there's one moment whereby, turns to happiness and uh you figure out that oh my god uh I received my results the the pressure is over this is my results uh and


that kind of happiness and sharing with your parents and those kind of stuff I think I think it's it's really something you remember lah and uh to to to know that oh can work hard for something and it paid off in the end so you know you know how they say like uh after you exercise somehow water taste sweeter


and better I think its just that when you get the results after working for so hard I think it really makes you happier lah and that's one of the happiest moments how about you Zaki how's the happiest moment


ah, so one of the things that I used to hate as a, kid was uh silent and boring days because uh the primary school uh usually things are very rah rah and uh, when you're walking around you a you always want to see action and you want to see things being uh very hyped and uh a a lot of things happening I don't know what drama but it's just like a lot of energy you know and uh so I hated when


people are all sitting down I hated assembly where when everybody was forced to sit down and you have to hear someone talk and all this stuff when uh when uh, when I grew up right I realise oh my god I really value all those silent days you know because usually the the things deal all the time and uh they the commitments that you have to match up to


and there're so many things happening that sometimes when it when when you have a peaceful and silent day it it really means a lot so you can just uh calm down think about it maybe lay on your bed and uh this kind of things I I I feel like it's it's a really big contrast lah and uh I think even when I


grow older uh I would still treasure these times that you get to be just calm and think about life rather than uh continuously being on the run ya how about you


(uh huh)


actually uh speaking about chrysanthemum right for me uh food right uh one of the most important comfort food for me is uh as as you already know it's ice, cream and uh it's it's only I would loved ever since I was young lah uh unfortunately it's also not good for you but


ah but ah but, I think like you know right like even though they say oh it's no good for you you shouldn't eat too much of it but this this how I see it regardless of whether you, eat your comfort food or not but by the time when you are when you are uh older right and you have a particular age mark uh then you're not allowed to eat them because your your systems will not be able to handle that so I'm like if you're like restricting yourself now and you cannot eat later when are you supposed to eat


uh it it it's not the right school of thought I mean it's not the right school of thought lah but but but it it helps me ah live with myself and I eat a lot of ice cream though but they I think my comfort food is ice cream lah and I and it really cures me up especially like


let's say like I'm having a bad day or or my my results are not one I expected them to be or just take a type of ice cream and eat them okay everything is my uh ah ya


uh so my ah my most unique compliment because I distinctly remember this uh I gone over to my friend's house it was my JC friend and uh there was this girl who staring at me and at first I I thought it was just like oh it just uh happened to be there when I look at her she was looking at me and so I I I ignored it because I thought she was like particularly starring


me then I was like after sometime I started to get uncomfortable so I walk up to the person then I was like sorry do I know you or or, so I know probably like she knows me or something then the very first thing she was she told me was I would kill to have your eyelashes then I was like oh I slightly taken aback


cause it was a girl saying it then I was like uh I was like oh that that's nice to know I don't really exactly know how to continue the conversation you know but then ah after sometime we got to know each other and then she became one of my good friends lah like last time like oh this is a very unique complement uh like why she suddenly talking about my eyelash so I uh


want to go and talk to her ya that was that was one of my most unique complement experiences how about you


ha, I think like this kind of positive experiences ah well when you go, through them right at that point in time you feel happy and and you think that you forget about them and the next experience comes along but uh after some time you realise that


even though you have quite a few of them you'll remember every single one of them distinctively because they remind you of the people that you're with and so on and so far so I thought like it's nice to have a discussion about positive experiences


okay


part one financial related topic


ya I think I agree that diversification is is quite important in investments because, , especially given like the current situation in in like the COVID situation and and what not so I would say like the


the markets are quite it's it's really quite affected lah when situations like this so if you were to if you were to really place all your finances or your investments into in a sense one basket and and it depends of course it can it can either go up or down ah given the current situation but if it


if it ya if it's really like inversely uh affected for example our in the airline industry or tourism then you would really be losing quite a lot of money so I agree that, diversification is is quite good


ya I think for me personally I would have a like a


a cut of so I would put in like a certain amount of money that I want to invest and then I would probably say like okay if it goes beyond a certain amount that means I'm I'm already making losses or what then maybe I will, I will I will stop lah or like pull out so


in that sense it it's like a a safety net kind of thing so to make sure that I don't lose too much money but at the same time uh it's still gives like some flexibility lah in that sense so, the cut off might not be like the minute it start making losses like it might be further down it's still just that like flexibility and and fluctuation which always occurs in in markets and investment and trading right which is normal but at the same time I think I would have that cut off just in case so I tell myself that I


I basically don't lose too much lah otherwise it it can be quite ya it can be quite risky


ya I think one thing to keep in mind about investments I think investments usually you'll be in it for the long run so you don't expect to make like, a lot of of money in a short period time so you have to be patient and then put the money in and and just, kind of wait for it to go, whereas trading can be a bit more short term and you might make like okay small amounts here and there but it it it's probably not like a big jump in in profits or losses in that sense as well


ya I think definitely I think in terms of risk when you taking like into account buying health insurance definitely the


the agent will also take that into account and so it it matters like your your background and your your family history of disease and all that right so I think for me personally currently if I'm not wrong I don't really like subscribe to any like health insurance plan but I know my my parents do have like a a life


in insurance plan so, so they they pay premium each month and and I mean uh like touch wood if if really for example like my my father suddenly passes away for whatever reason that at least the the family will get a certain amount of money and and that helps to ensure that


I guess in a sense the the, family or like the rest of us can continue to to to survive without his livelihood lah in that sense but for me because because of, of my experience in in NS right I think we all had to had to buy the the the health insurance when we when we enlisted I think that was called the the aviva life


insurance ya and I think that was probably the first time I had to do make, choices regarding like the the the kind of, like health insurance plans I wanted because I remember there were different options like based on on basically the the risk


that you think you might incur uh during a national service lah so there was obviously if they were to insure you for for greater in a sense injuries uh uh wounds and stuff then you would have just have to pay a a higher premium amount each month


so I think that was like the first time that I subscribe to a health insurance plan and had to had to think about all this, ah yes correct


uh I think is quite important to read through the the plan that you are subscribing


to and I think a lot of times for me personally at least I feel like a lot of times I read, through the document there's some things that I I'm not actually sure of so I think before especially you, if you if you buying like a like a plan for yourself right then you should really clarify on on what some of these terms are because I think it's quite important before you you you know you commit to it and then you have to pay a premium every month for it


interesting I think for me ya I think definitely searching for chances is important but I think the thing about chances is, it can always just it it fluctuates it right the market always fluctuates so so a chance helps in in, helping you decide but ultimately ya I mean the whole


I mean in a sense the whole nature of the the market itself is such that it can always fluctuate anytime I think for me personally if I were to invest I would probably get I'll probably enlist the help of of uh


financial adviser or an agent for it especially if if I were to put in like, larger amounts of money because I feel like I don't have the the really expertise in in monitoring certain chance or the time to monitor all this chances so I would rather be willing to to pay uh in a sense of small commission for financial advisers and and like


let them grow my money rather than doing it myself and then because, I don't have as much experience I don't have the time to keep monitoring the market and then having like lose all my money


ah I was talking about having like a financial adviser I I for me personally I would probably get a unless maybe I mean at this point in time lah I also get a financial advisor because I'm still tied down in lot of of, studies and and other commitments so, unless


in the future maybe when I'm, if I'm allowed more free and I have time to to dedicate really, the investments and monitoring the markets and I might be able to do it myself but for now I will personally probably get a an adviser an agent or broker to do it for me


commission


ya I think it is probably a good idea to to start small first so regardless like getting a the help of financial advisers or not personally ya I would I would start small first, first and then when I'm starting small I guess especially when you when you don't put that much capital into it right you you probably wouldn't need the help of a financial adviser just yet it's more to like test


ground test the waters and then see how the market works and then from there you build your your own experience in investing and trading so that I mean ya you would expect that the financial adviser will give you in a sense sound advice but you also need to have in a sense your own


understanding of the markets and and at least like the basic monitoring of of the markets and trends so that you don't just blindly follow whatever your financial adviser says or advisers either


ya ya I think I think for me definitely if I had a million dollars I I would invest my money because when I mean now that you you have like capital in that sense then you you I I mean I personally would want my money to grow but ya like I said in in large amounts like this I I personally probably wouldn't be doing it


myself so I needs the help of like uh an urgent an agent or broker to to do for me or financial adviser ya because I feel like especially when it's when it's ya larger amounts already I probably wouldn't trust, my own limited knowledge of of finances and the markets and investments to to put in ya and to like to know which sectors to put it in how to grow my money which investments are good uh those kind of options


I mean ya I think if you ask me whether uh investing or or trading similar to gambling, ah I would say it is similar to gambling but it it I would say it's a lot less dependent on on luck as a I mean of course it depend on on what kind of gambling you what kind of game you play when you are gambling but I would say it is similar to gambling in the sense that it is not


it is like in a sense still dependent on luck but definitely not as much as you would when its gambling so in terms of investments and trading its, it definitely involves a lot more strategy and thinking you know doing your own research into the markets into different sectors which which you don't see in that sense in in gambling lah because it it's really it really depends on on the cards that you are dealt the cards that that kind of come out and all right so


I think it it is similar to gambling in the sense that really that can be fluctuations in the market as well and that one is is in a sense luck dependent so that similar to gambling but, it it's also very much like strategic and involves doing research and in that sense it's it's different from gambling


ya I agree I think definitely the thing about investments and and trading is that you you need the capital first right inciting as students we generally don't really have the capital unless less because we born into wealth in that sense so for me personally as long ya ah I might not like invest immediately but I think


maybe in small amount just to see how the market works like over the the course of the the most recent summer break actually I I did do online courses because of, you know ya because this you're not even allowed to leave your homes ya because of the whole COVID situation so I actually did do online courses on on uh I did a an online course of introduction to investments so that that kind of introduce me a little bit to okay how investments and trading is is done so


I would say definitely the capital is necessary first so I would try and build the a a good foundation and then good base after I started working probably before I invest but at the same time I think before I I do start the investments and and


delve into investing and trading and what not I'm definitely want to to do more courses and learn a bit, more about investment and trading before I I do it even even with the capital lah


part three negative experiences


okay okay okay okay let's see okay I can I can describe a time in life okay , so rather than than okay wasn't time when I felt that nobody cares about me but it was a time when I felt that


the people I cared about didn't care about me as much as I would have like them to lah so it was during my it wasn't that big an event but I I didn't realise it at that point but it really like had an impact on me and and like, at that point in time I wasn't so sad about it but like it really did affect me afterwards like


I when I talk to someone about it like I I actually like broke down a bit so so for me like it was this time when , when okay so you go through NS right and then after your your two years of of doing all that, you you come out of it out of all that that ya that that hardship and pain and then what not and then there was that ORD parade so so of course for my ORD parade like I invited my my my parents and my friends to come down right


and I remember that when I was standing there on the parade after like rehearsing for for days and weeks and what not even though I had invited like my my friends and and my family like I remember like, specifically I was standing there like the only people I was actually looking out for among like the whole crowd was actually my parents like it didn't occur to me to like oh where are my friends kind of thing and as I like look through the crowd and I say the crowd like I couldn't see my parents at all so


so for me it was like it was a bit hurtful because I felt that like my parents sometimes they always like to to say that oh I always spend a lot more time with my


family and what not so, to me like it was a bit like that that point was quite sad for me I was quite hurtful because, at that point in time like I really I really actually wasn't even looking out for my friends or whether they were like there watching me in that parade or not like I was looking out for my parents and and


they just weren't there lah so afterwards of course I think because all my friends were around and everything like to me I I didn't feel that bothered by it but


when I I expected them to be there they weren't but I mean uh that was ya that was just I guess quite a a a sad moment for me but that was just an isolated incident I guess I mean moving on from there like in other events and what not like my parents have have kind of always been there


what about you eric


ya uh I think okay one of the one of the saddest scenes that I I probably witness was


actually it was fairly recent also it was just last year I think when my when my grandmother passed away so I think for me that was a a very sad scene because I mean other than the fact that my my grandmother passed away I also just looking at at that scene when


when like a lot of my family members were were really upset and were crying and everything I think it it really was quite uh ya it's quite an emotional scene for me lah because before that , before that ya I never really seen like my my family members really cry right so so for me that was that was quite a sad scene


ya I think ya , as I definitely agree ah that that inequality it's it's it's quite a big problem in the world today and it's quite sad because because some of the people who really


in a sense uh uh like on the losing end of of this this side of inequality are people who you know it's it's not even like to any fault of their own sometimes they're just born into those circumstances or sometimes


something happens to them that that is really beyond their control lah like for example I mean in the world today there's a lot of, there's a lot of conflicts and war and and so you you have refugees right and so these people are really just innocent like civilians and and you know they really want nothing more than to just like continue with their lives but because of


of of conflict and and the politics of of between like other groups of people like they lose their homes they lose their family members they, they lose a lot of things lah and then I think it's a bit sad because there are there's a lot of people in this world who really have so much right and and sometimes like all these people really need it's it's not even that much


but if if you do give like a a certain amount or you help them out like it would really go a long way for for these people who are really disadvantage but then you you look at the ya the other side of the spectrum right you can see people have have really so much and and they can afford to to give some of it away to these people but it it


I mean it happens sometimes but it sometimes it doesn't as well right it just ya a lot of poverty and and hunger in in the world so so it's it's quite sad lah


ya I think for me it's quite similar because in the case of of my grandmother who who recently passed, away she she does uh after she had a stroke so actually she she had a stroke before as well so and she and she recovered so so we didn't think that I mean yeah stroke is is is is quite serious and quite rare but she's recovered from it before so we were we were still quite hopeful lah that


that like she would get through to this one but unfortunately she didn't, and and I think ya you you brought up that point on how we really need to to treasure them and I think one of the things that that I really quite regret was


uh actually only have one grandparents that left alive so my my my paternal grandfather like he passed away quite awhile back , but I I think one thing I really feel quite sad about even up to this day or like one thing I regret was was because he he he passed away because of cancer so


as he was I mean hospitalised and then and then we took him out to bring him home to you know kind of just, be with with family in in his like his last like times with us like it was we would sometimes like okay I would sometimes then we will like push him out in a wheelchair and we will accompany him and everything but I think at that point in time also because


you know your they're they're very old and and so their their memory and and their mind isn't as sharp as good as it used to be so, one thing I really regretted was was there was this one moment when when my grandfather is just asking me whether I I ate already or not yet you know then I told him ya I I ate already


and then like two seconds later he would come up to me and then he ask have you eaten then I yes I have ate so he kept he kept asking me and I think there was one point when I just snapped and then I just ya I like I I did ya I just I I just snapped at him lah I said ya ate already like oh can you stop asking and then


and then and then ya I think up to this that I still regret because, I mean I think about it right he has really done, like really so much for me and and he he was old and his his memory wasn't, like his his mind wasn't as sharp as it used to be and the only thing he was doing was really still like asking whether I I had eaten you know so it's still like looking out for me like even up to when he was like that old and and and literally like


quite dying already and I I think about it like I'm quite close to to my grandparents on my paternal side because they they really help to to raise me because they they live quite close to me so they will always like, pick me up from school I remember my grandfather always like to to buy chocolates for me every time when whenever after he he would pick us up from school I remember like when we sit in the car and then I will sit on his lap


and then if you were sitting in the front seat like he'll put out his his hand in in front of me for like the whole journey just to to shield me from the sun so, so when I when I think about all these things that that my my grandparents like my grandfather did for me as well and then I I recall that I really just like snapped at him at that point in time I remember he he looked like a bit sad afterwards it and ya I I think I I really still like regret


that up up to this day lah because, you you really ya like you you you don't treasure them while they still around is still around you know and I think for me the others there's only my my paternal grandmother left and then after after my maternal grandmother passed away like a few years ago


then (ppc) so she was there she was there also right and then afterwards she she she sat us all down and then she she she started talking about okay so as it was kind of like, a a a reminder lah to to her that like she I mean at anytime she can also pass away right so she started like talking to us about how like in inheritance and stuff like that like okay like what she wants like how she wants her her her house and and everything to to


to be like pass down and everything and I think like at that point in time because especially because I was a lot closer to my my paternal grandmother like to her, like even though she was still alive and and well like it, it at that like it it really it it was quite a sad moment for me like I almost cried when she was talking about all these things because she was saying how ya like she is really quite aware that that she she really might not have a lot of time left lah and and at her age also she does have existing like health problems and and


there's of course like family history of of diseases and stuff like that so at that point in time like I felt really ya really quite sad and I think ya lah it just goes back to to what you said about how we we really should treasure the the the people we love and the people we we have with us now because really


we don't know how much longer we have with


I think for me one time that I felt , uh really quite scared or or like a near death incident for me was was when I was still quite young and my family uh and I will all we were all heading to uh Tioman island right so so to get there you have to take a ferry and I think


it was probably the the monsoon season or what what I I really can't remember because it was quite a while back but I just remember feeling really quite scared because, the waves were were it was really very choppy and it was so bad that that like everyone on on the boat like was vomiting and everything because it was really rocky and what not so so I could see like my my parents were was like throwing up and everyone was


and I think it could see like the the captains and and the crews was like running around like a bit panicked then it was it was so bad that that even like it was the waves and like the the current was so strong that it actually like broke one of the the windows on that ferry and the water actually came in so it was


it was really quite a a a scary moment lah because you didn't know if if it will really like overturn or capsized or something right and we could already drown and and quite literally die in that sense so it was kind of scary moment


part two positive experiences


okay , oh I think for me okay on that note okay yesterday ya yesterday I guess there was something that that turned out a bit better than expected as well for me so I had a I had a meeting plan it was supposed to be a dry run for this event that that we are planning so it's between


uh uh my my my academic society in in university and and this external organisation that we are working and collaborating with, so we're supposed to go to to to that external organisations ah to hold the the meeting and have a dry run for the event


so before before we were heading there we had the whole program done and everything already and then suddenly at at at the last minute they they people we were, like like I saying with from the external organisation said oh we had to have a few changes here and there you know so so because of that we had to redo our whole


program again so I was a bit lost because, the people who had planned the program , like I was in the committee but I wasn't really involved in the planning of the program so when they dedicated like roles for all of us to do I wasn't sure of what my role was supposed to be so I ask them if you wanted to do an internal dry run first before we did it with the external organisation or at least have a briefing and they were like sure but then


the external organization they change some things here and there that we had to redo the the whole program against so I was really unsure of what I was supposed to do before like in the original plan now they had to change the whole plan again and they will only be ready like by basically by friday which means the only time they could give a briefing on what we're supposed to do is before the dry run itself so I was


I was very confused and I was very lost and I was going into that meeting like with this this this this this perception that I was going to mess up a lot during that meeting because


it was really


in a sense like it was it was quite smooth because they were quite understanding as well then they were like okay lah let let's go through this briefing and then even though like there were some, (ppc) like in a sense mistakes here and there they were like no one really complain and no one say like okay there was so I mean definitely we we realise there was something that we needed to improve on but it went a lot better than I expected lah it wasn't as messy and it wasn't as


as difficult as I expected it to be so ya yesterday's event was was was a lot better than expected , , alright Aaron what was like happiest moment in your life


, , it must be when you met me right


!oops!


, ya I I think I guess okay one of my happiest moments would be ya it's quite similar but I would say it's it would be my IB exam so my O levels were alright ya but I'll say my my IB read exam my result for my IB exam so I wasn't


I'm very sure of of what I would get because honestly throughout my my two years in JC I'm preparing for this exam to be very honest I really didn't prepare that much in my first year like in wait I think we only had kind of three big major exams throughout the whole two years so it was just promos in in


end of year one and then it was prelims and then it was our final exam already so for me I never really studied very hard for the previous two exams like I will just because I think to me it wasn't like that much of a concern like I knew I would promote from year one to year two so


to me like promo exam it was just uh okay I I know this one will be fine so I don't really have to study very hard, for it and prelims was I guess okay lah it was a lead up to IB but I think I IB was when I really put in the effort, and also because I realised that my results for for my promos and my prelims even though I didn't put in as uh I mean probably the best effort that I could ah so the results when that spectacular so I knew that if I were to carry on like this and and continue getting results like this for my IB exams it wouldn't


it wouldn't be very good lah for for me moving on university so, when it was the results day and my parents were there with me also like I really wasn't very confident in in my own like in in my results and what not so actually ya okay this might also be like how things turn out better than expected because


before before I I got the results and everything so after I finish the papers then I started okay plotting out like okay from based on how I think I did in that paper what is probably the best grade and the worst grade I could get so, my final score that I put like for my lowest and my highest was was this range basically unexpected to score in the middle


and I thought that in that sense like that that highest score even wasn't that high to begin with so I was a bit worried and so when when I went down with my parents I I actually took the the form and I didn't want to look at it myself so I told my friends that I was expecting like this


but I actually wanted to achieve like a a a score that was even higher so I told my my my parents okay you can just look at it, because I don't want to look at it because I think to me like one of the I I really didn't want to disappoint my parents so I told them okay you can you can like look at it and then when they when they looked at it and then they just smiled at me and said no you did you did well like you you manage to get what you would like you know even the


the higher one and I was so surprised so I went to look at I was like !wow! okay


I think ya maybe another one of my happiest moment probably be like when I got when I managed to get like a a a scholarship so the government's ah I think that was something that I thought was was really a good achievement for me and knowing that I'm able to like help my parents I mean financially and and what not also was was


really like it may be quite quite happy lah and knowing that okay I'll be able to go overseas for exchange and have my expenses paid then like ya maybe quite happy also


I think okay uh, okay this is one thing that I really didn't like as a kid I don't know but I remember there was some reason I really didn't like the taste of chrysanthemum tea


but I don't know why as a as a I kind of grew up like I I was I was alright like I learn to kind of appreciate the flavour not really appreciate lah but I, know like ah I don't really mind drinking chrysanthemum tea but back then it was oh no I would never drink chrysanthemum tea but I think related to what you said as a ya like I think okay wasn't really as a kid but I think


even in my first few years of university so just like a few years back I always wanted to to come in and then really in a sense, make the most of my university life whereas I wanted to experience a lot of things I wanted to join a lot of things like ya join a lots of interest group do a lot of CCAs do a lot of projects but after trying everything and I mean I I don't regret trying all them


definitely it helped me grow and and develop as a person and I definitely learn a lot made a lot of new friends and, but it's come to this point where where you where now I treasure a lot more like just being able to to in in a sense not do nothing but have time to yourself and just not


think about work commitment or CCA commitments or like have something at the background mind knowing that like oh no I have this this thing that is upcoming you know and I want to really at this point in time it sounds a bit like nerdy or geeky but I do really just want to focus on my studies because


after two years of of I feel like over committing, like I kind of really appreciate and and, like treasured moments when I I don't have to think of of all these other commitments and stuff so so quite similar to what you said also lah


that's why you need to run right no wonder your hobby is running,


sounds like a real pharmacy kid talking,


, what what's your do you have like a go to ice cream flavor oh okay I feel like you mentioned this before yes yes probably okay I mean uh personally I like vanilla


okay I think for me my comfort food , okay I mean in a sense it's it's not just comfort food lah because I don't just eat this like when I'm upset or what but I I like to always snack and just eat eat chips I always watch shows so at night because I think some


those I like to have early dinners or sometimes when I eat dinners I don't completely finished the meals so I end up getting hungry and I feel like getting supper but or during supper and all that is is a bit uh so I will usually just get like chips or snacks that I have


lying around in my room and I just open the packet and I will slowly eat and and watch a a a video a show or Netflix or something so for me that's like my my comfort food and I when I want to just de stress and and relax and unwind but that will be like my go to food and and


chill session


!wow! okay uh and what if what was mine most yet I don't okay nothing really comes to mind for me when when thinking of like the most unique, odd odd compliment


okay but but I can answer like on my my most memorable travel experience I would say that would be that would probably be my trip to europe with my family so


I mean previously I had never really, gone much outside of asia so I mean I I've been to australia and and I I had been to egypt before ya which is in africa but but other than that I never really been outside of asia


and I've never been to to the americas either so so when I went to europe I thought it was okay it was it was quite a a a change it was an interesting change for me in terms of like the climate and and the scenery and the views so I, I really liked that trip because like for me it's it's like it's nice to be with with family you know


travelling with family as well but at the same time I like to have like my my own like personal time in that sense or so but, so so that trip kind of had both because when I when I went to europe like the the initial part ya we traveled together as a family uh to germany and austria and also because I had relatives uh staying in germany so it's nice to see and visit them but then afterwards


my family left first to to return, ya to return back home right to singapore but I I stayed and I kind of traveled alone in in, france so I like it because it kind of had that that a chaos it was a nice merge for me in between like okay having my own personal like


quiet time and and roaming and looking at whatever I want, wanted to see personally rather than okay whatever the family wants to but I was at the same time nice because there was an initial part of I spending time with my family and we were really actually nice lah to to I guess travel around like go for europe tour you know something that I had I hadn't done before


ya it is I think I think a lot of times now especially when when we have HTHT or when we talking with friends a lot of it it's always about it, tea or the gossip when we heard like the I mean not necessary like negative, where a lot of it is also like on on positive experiences and a lot of time people are like talking about work and study is at a lot of it has to do with


war rather than like okay because I think it's a bit of culture so the people don't like to !wah! look I I got an A or you know for my my because it sounds like you bragging of boasting right so most of the time people will be like !wah! I did so badly or like that that's a super difficult so a lot of which we a lot more


on negative things and positive things also so ya it's quite nice to talk about positive experiences as well,


okay yup, financial related topic, okay share your experience, in any of the following investment product uh #han peng# you share first please


okay as for me I'm not so keen uh to read up or study the , those stock markets so usually , I will just listen to advisors, and then, ya I always uh making a loss, so it has never been a good experience


because my interest is not so strong


uh share your experience any of the following okay we already shared do you have a uh, brokerage trading account, okay #han peng# you share first


for me I have more than one the second one was uh open just last, year end of last year, uh with a friend, not, not a good experience the tips that was given to me


was not making money


uh I think I trust that broker because he himself was also buying at the same time ah as me so he was, it it wasn't a big amount it's a small amount to test out, whether the information he got was correct


ya so from my experience if I'm not good at , , speculating it's it's it will be safer for me to get blue chips with good dividends, uh ya , that's what I learn ah


true also, so okay shall we move on to


what is number four do you use a robo advisor to invest I don't know what is that


do you invest in crypto currencies if so share the details


okay but I have heard some young young people they're they're, they had very good experience with crypto currencies and they're still very positive about it


is too complicated though, it's a very complicated investment uh way of investment, uh but, is it true that in future that is the trend that people will be using crypto currencies


okay shall we move on to do you invest your CPF money share your thoughts just sharing our thoughts ah , CPF investment scheme


me too ya I also didn't have, very good , experience with CPF investments scheme scheme, experience, so okay what are your thoughts on the singapore savings bonds


okay I have zero experience on uh, singapore savings bonds though shall we move on to investments options do you think investing or trading is similar to gambling


uh to to me it's still it's still gambling because in stock market right there's a, chinese saying uh big fish eat small fish small fish eat shrimps shrimps to me shrimps got nothing else to eat lah maybe eat shit


so sometimes even if the, company is doing well it doesn't mean there are their share value move up because of those big brothers they're playing uh behind the scene or something, so I'm, totally like disappointed with ya trading investing


uh it it's not a a honest it's not a honest


okay uh options are worth looking at for new cash strapped investors do you agree


okay what are your thoughts on investing in highly leveraged products like, options oh you you already mention ya (mmhmm)


CDP oh sorry are you done


of course I have zero knowledge about options , CDP or a custodian account which one should I use and why


I see okay discuss the recent performance of the stock market


it uh I've not paid attention to the stock market so I've nothing to share uh ETF or unit trust which investment instrument do you prefer what does what does ETF stands for (mmhmm) okay


ya, clap okay, okay, describe a time when you felt trapped


not being able to say no, or follow our heart it's something that make us feel trapped or helpless, so, ya I often I can't think of ya


I cannot remember any hurtful words ah does it mean I I've forgotten all the hurtful words , okay describe the saddest scene you ever


witnessed, saddest oh so many also, remember , sometime it was it last year when the E scooters was still allowed, we saw just underneath our balcony from our balcony we look down it's a park


connector, and heard the, commotion that a sixty year old lady was knocked down by a E scooter, uh he's, it's the foodpanda delivery guy


very sad, ya very very sad, so actually nobody bothers to call ambulance and I remember my family member like you asked me to come and see and then I said I I didn't want to see so, I I, asked you to call ambulance


to, call an ambulance so eventually they follow up they called us back for the actual location or, something like that, so it was one of the saddest


she's very unlucky it it's very tragic, to her and to her family members ya, after she was like in coma for couple of weeks and then we read from the news that she, ya she couldn't


make it ya, okay very sad, describe, a time when you feel that nothing you do is good enough


for me it would be the incident, was it only last year, okay uh !wow!, you all remember my siblings incidents, ya


I was trying to do something good but, do I have to describe in detail , it's quite it's quite ya


so this is exactly what I've, feel, until now, ya the relationship is not patched up lah between my siblings I think it's quite, sad I, I thought I'd done a good job but not


not with wisdom lah maybe, wasn't wise enough, to carry out what I'm supposed to do


I don't think I have such a time usually I do have people cares about me, I'm quite lucky okay


right now maybe old age health, ya that's what I, well I don't want to be a burden to my children


ya I also worry about my family uh members, I will like my relatives like, I have very close relationship with my my aunts my, uncle and they're in their they just reached seventy this year of course their health is deteriorating I also worry about them


but there's nothing much I can do lah (mmhmm)


it has to be uh the passing away of my grandma, she she raised me up when I was a child she doted on me, so that should be the, saddest moment of my life I still miss her up to today is there one thing that you wish you could change but you never be able to do oh


spending more time with my grandma when she was alive although I did spend, pretty good time but still not enough and also my mum ya spend more quality time with them what about you


okay you have you gone through any loss in your life if you if you have describe your emotions at that point of time and how did you deal with the


loss oh, we mentioned about that already right


it was quite sudden right your mum's death was quite sudden


what makes you stress


you feel obligated to


so if I can't have my free will I'll be stressed , I hope there's never a traumatic incidents


just a very brief moment right


actually meaning of traumatic ah, oh okay ah I I think I think last time


when louis ah my youngest son, okay he was in primary school he he's he used to have nose bleeding right, and then, one day I received a call from a bus driver, uh that, he he's with them


he's on the way back and he has uh uh severe nose bleeding so I went to the bus interchange to pick him up and I, saw his uniform uh has full of blood and I think it's quite traumatic lah that scene to me ,


okay okay quite scary ya ya ya now I could recall (mmhmm) okay, what's the biggest thing holding you back from your goal, ya what's your goal in the first place


there's anything is there anything


a child who is not embraced by the village will burn it down to feel


that's really drastic


if talking about children I'm, very fair impartial towards my two children so I, don't think I'll make any of them feel that they are not embraced, by my love


so I always tried tried my best to make sure that there's no sibling rivalry between them, I think I'd done a good job


describe a time when things turn out, not with me there are so many until I can't


ya I always remind myself not to have high expectations, so you will not have disappointment


yes always remind myself not to be a perfectionist not to uh, set too high an expectation in order to feel disappointed at the same time I will also draw a boundary, okay uh it's a set of boundary


so that , ya, I mean people have take advantage of me but to a certain limit must let always let other people you know your limitations, ya that's my thoughts


we describe all the fourteen points already right, is there anything else you want to touch on, !huh! sorry I couldn't hear you


already time up right , oh okay, what are the injustices of the world that make you angry injustices ah the gap between the rich and the poor okay


positive experiences, ya pressed ya I pressed ya, okay positive experiences


okay what's the nicest thing someone has ever told me, !wow! nicest things , maybe recently dorothy has told me that what I'm a


love letter from god or some, they though I'm not a very staunch christian but sounds very nice , uh, ya I think the nicest thing is, when people compliment me on my kindness, uh virtue


ya , ya that's about it what was the happiest moments in your life we have so many happiest moments so must I only described on one incidents one moment or a few


okay right now I could think of is uh the yoga retreat I have in , uh swiss alps, uh uh thanks, to to you for allowing me to go on my own, , supposed it was supposed to be with someone else but she couldn't make it so eventually I have a me time travelling to all the way to swiss alps on my own


uh and had a wonderful session very serene , uh uh time the, scenery was awesome, the weather and the food uh plus the teacher is someone I look up to after reading his book so I was the only asian or chinese in that group the rest are all european and american


so , I felt like ya, it was a very rare opportunity, so later on my husband joined me, uh and we had a good trip in norway, it was autumn so it's beautiful


ya, very relaxing and it was uh ya very memorable moment in


and we enjoy the the stops there are several stops that we get to see waterfall, ya, very strong very vibrant uh waterfall


oh ya I also enjoyed the stay Airbnb before I went up to the swiss alps uh hotel for the retreat I went there one day or one night in advance, to get myself climatised, uh so


this lady from Airbnb, uh she's agnes right, ya and her her place is like, quite a short distance travel to the swiss alps as well so she pick me up from the train station and she also prepared my breakfast


uh every morning, uh it's a very like uh ancient place uh when she, brought me to buy breads in the morning, it's like it's so out of the world, the streets are so narrow


, there are not many families not many residents around I wonder how, how uh, they can make a living out of it such as more economic scale of people


it's just wonderful and in the same Airbnb I met , uh a couple with a young kid they are from germany I think, or another part of switzerland I'm not very I couldn't remember clearly


so uh, the wife was there to learn uh how to, uh ride ride, ride a horse horse riding, so the husband accompany her, and spend time with uh the toddler


and I'm remember this young man was telling me that , he admire uh he asked me do you know what what what's the name of the malaysian badminton player, he he mentioned his name and he asked me if I know him so he said that is his idol ya what's his name the badminton player what what Wei right what something Wei or something ya


so uh


that is part of italy is it no


it's almost uh near the place that is called , what nah it's okay uh what you call that , the train right actually pass pass by some place where it's supposed to be UNESCO is it


it's a, UNESCO bridge ya (mmhmm), (mmhmm) we we also met met a very friendly uh swiss lady, who uh tried who tried to explain to us about the whole trip right the the place


ya in the train ya (mmhmm), again they are just a couple of, of passengers on the train, it's very uh serene quiet, uh what else about


the travel experience


the border of italy ya, very very slow pace uh


oddest unique compliment, nothing very unique , okay, I think like like I said like used recently uh dorothy our cell group leader, that that's what she said to me ya


uh I I couldn't quite understand that part though but I think it's quite unique, ya, so what are you thankful for


there are so many things to be thankful for, ya I'm thankful for good health


ya uh, family members, uh quite loving, relatives and friends, are all very nice to me, ya okay


what do you used to hate, oh you hate you hate durian you hated durian


there's nothing I could think of, but probably certain food as well that I hate as a kid but uh begin to appreciate as an adult but experience or people wise I couldn't think of


okay what was your best birthday present and why, oh we don't receive that that many birthday present


oh okay you your your future birthday present ah trip to alaska okay I think I, I think the swiss alps was a birthday present from you right if I'm not wrong it was on my, fiftieth birthday that period ah, so that could be the best birthday present


I had ya , uh and uh there was a a yoga participants a a swiss lady, she also made me a card, I didn't I didn't purposely tell her it was my birthday but she happened to ask about my birthday or something so it's like ah that's why you are here so the on the following day she made me a card with a


a penny a swiss penny pasted on it, and uh, have a a very sweet note ya a very kind note, uh, so uh I feel very blessed as well I was so touched,


okay what is your biggest blessing in disguise ah oh


not not getting what you want it could be a blessing as well sometime so maybe I look at it this way I always remind myself of this phrase not getting what you want or what you ask for is it could be a stroke of blessing or luck that's my belief


ya to make myself happy okay what, what is a comfort food that you can always rely on to cheer you up, so many uh my comfort food is luncheon meat


, I'm very but must be a good brand of luncheon meat not any luncheon meat there are many luncheon meat there are many brands that are not, as good as the one that I had when I was a child it came with a a like


a key to open up uh, uh rectangular or squarish packaging, uh blue and white uh paper wraps on outside I couldn't get it anymore,


yup we couldn't get that same brand anymore what about you what is your comfort food, that you can always rely on to cheer you up


so being in nature is uh something you can rely on to cheer you up uh talking about you new zealand trip we had very nice food in uh christchurch remember, we went to a place uh in christchurch and we had uh many varieties we had very !wah! we ate a lot of stuff


while we were there, fire baked pizza, uh it's it was nice (mmhmm) and, even though we very full we ordered the ice cream


uh a huge ice cream and we we really truly enjoyed the food it was very comforting ya, and some japanese food as well, chinese food ya, so all kinds of food they are comfort food durians chocolate


okay what do you love most about yourself


I'm more easier going than you, , I think uh I, I'm quite I'm quite friendly, I think most people find me friendly, , I don't get angry easily


I'm, more generous than most people, I think, I'm generous towards other as well as generous towards, myself I


can be inquisitive, yes I do love myself, so, I, have a quest for uh uh knowledge


I like to, uh find out more about, topics that I I find, beneficial like yoga, intermittent fasting now


who in your life do you look up to most and why I think for you it's god lah hor nobody else uh, but god uh okay I think in life there are


different stages that we look, up to different people, , there's always some people like a godsend, to my life when I'm at a cross path so I'm quite, blessed so I couldn't say who in my life do I look up to most and why


but right now I think I can look up to you as well, uh, ya to make me make you happy ah, okay , okay describe a time when you got appreciated for your hard work


ya for me uh I feel appreciated when my my yoga student came to tell me that they felt better they slept better they play golf better after a yoga session, uh they learn from ya that's all anymore (mmhmm)


starting financial related topic okay uh #bee hong# you ask me first


uh okay uh okay I mean uh trading in shares since the nineteen ninety three and uh up and down and uh initially uh I just follow uh whatever people say buy buy buy , I go to buy but after that uh I got a lot of setback and uh lose a lot of money so eventually I voice out uh


I mean I I I come to realise that uh people will not advise you to let you make money but rather they will make money from you because , uh when they ever they want to sell they ask you to buy whenever they want to buy they ask you to sell so that's the uh thing that I learned from uh from the market lah


ya okay, so after the uh initial setback I realise that uh that's not right away, to uh to uh what you call uh, buy share or trade in share uh so what I do is I read up and I discuss with my friend uh why is it happening and I


go and read up the company uh profile how they're performing and so on and look at some indicators how their financial uh , uh status is whether they're making money or not whether they're highly geared whether they're uh utilising their money properly or not and uh with this I able to uh you know gain some uh back


so this is uh something which I learned through the hard way ah they call it uh pay you need to pay tuition before you actually uh you know become experienced uh share buyer or seller or something like that


uh okay I have a uh brokers trading account ya uh you need a uh trading account in order to trade your share right buy and sell your share and okay this uh trading account uh sometimes it's good sometimes it's bad because some certain trading account I think it's uh easier to use user friendly uh and


I stick to one account, most of the time there's another account which is uh which I also have but I don't use it because uh it's a bit difficult to uh use and sometime can make uh mistake and uh making mistake in a share trading is a very expensive uh


uh thing because sometime uh key in one more zero can makes a lot of difference I will remember when I was uh using my phone uh to key in uh trading I add one zero and uh, it makes so much difference


ya , normally when you uh hear tips from people as I say before ah normally what do they advise you to make money if they got a tips they will make, money themselves right so uh normally


uh when they give you a tip definitely they have some uh agenda behind it so uh it's either to uh you know


, okay so it's either at this side or the other side that's giving the tips , so either either way uh normally people uh they have intention to give tips that mean they have some, uh


they want to have some advantages over the uh tips ah and that is to make money


stuff itself look at what happened to , , okay so there's uh there's no uh what they call the right way or wrong way when investing but the thing is most of the time uh when you invest uh make sure that it's always uh winning rather than losing so the overall is positive that is the the game play in uh investment


uh robo-adviser to invest no I don't I don't trust software program like I don't trust uh, people to trade uh share with my money I mean if you trade share with your money you lose at least you know that you are doing it yourself but if you ask somebody to invest yourself uh you know they will just uh


take your money buy sell buy sell and in the end what happen they earn a commission from you but when you're losing money they don't care so a lot of uh uh quite a few of the uh people will play share I think it's in a newspaper right where they trust their money to their their relationship manager and they get into a lot of problem


ah they lose all their money and uh there's a lot of uh there's a few uh court case going on now


okay cryptocurrency is uh cryptocurrency is uh something like share trading but it's uh not five day week, not nine to five kind of trading hours it's uh twenty four seven anytime you can trade


so uh, you know it it it it's twenty four seven that mean uh you know you can trade any any minute whether you waking up or whether you're sleeping there are still people buying and selling uh cryptocurrency , and some cryptocurrency are actually uh worth taking a look but as with all cryptocurrency right


it's still a what you call uh gambling uh kind of style because this with cryptocurrency there is no uh what you call asset backing back backing of the currency so uh it's just based on people interest people will buy the currency because they need the currency to do something uh but there's no uh what you call asset backing of the currency and


if and when the interest is not there your cryptocurrency probably will become zero ah , so it's uh it's it's it's it's a gambling over the over here I mean it can earn a lot it can lose a lot as well especially when somebody who are buying bitcoin at twenty thousand now it's only ten thousand


or nine thousand so that's about fifty percent less eh what happened ah


some of the thing that you need to be aware of uh when you're investing especially buying share or trading or whatever


yes I think cryptocurrency


will definitely one day become uh the main uh choice for people to pay for their purchase but it will not be this kind of cryptocurrency where there's no backing mostly the cryptocurrency will be uh backed by the country lah for example maybe china is now uh looking at


cryptocurrency that's uh backed by gold I think that is more credible, right rather than those uh cryptocurrency currently you have where there's no uh financial backing and uh you know they can close shop anytime


okay , yes I invest my CPF investment and uh that was during the initial part of my investment uh life uh I think


also not very good experience because with CPF money there's a lot of restriction so sometime uh you want to sell or you want to buy uh there's a certain restriction and , because of that restriction sometime it's uh not flexible and and when opportunity come you find that eh you cannot uh do anything with it so there is a there's a there's a I find that it's not very


straightforward and using CPF for investment


okay for for me personally I never buy the bond uh maybe because I was uh pretty much uh buying shares and trading on cryptocurrency so uh because the savings bonds the percentage is quite


low the interest rate is quite low compare to uh let's say if you have uh trade share right uh we feel, and uh let's say if the counter perform very well within uh two weeks, or maybe less you can earn more than what the interest rate of uh the singapore savings bond


may give you I mean the same as any RFT as well but then there's a risk high risk high reward low risk low reward so singapore saving bond is a low risk but the interest is uh very low so it's it's uh it's it's just a risk reward


uh a kind of thing lah right if you want to uh have uh more uh you know earn more, right you need to take a bigger risk but bigger risk can means that your your capital can be you know gone


uh yes and no investing is uh you need to take a calculated calculated risk all right so if you don't take a calculated risk and just uh buy and sell through hearsay then it's gambling right same as trading


uh according to my understanding when you trade share right most of the time uh ninety nine percent you're not going to make money, right I mean there's one percent who can make money but most of the time trading ya you're not making money but investing long term I think you are making money especially when you understand how the company is uh performing


right I mean uh they are making money they're reinvesting their earnings into new uh, business or whatever so uh, that is investing gambling you know it's just uh it's a it's a it's it's just based on chances right either you know you buy based on hearsay and then sell based on hearsay so it's gambling ah so that that is yes and no lah


quite true but uh in the short term uh it uh uh uh, company that you even though it's making money if the share is not uh reflecting but in over the long term it will reflect because in a short turn the those big fish right they play the share based on people's uh


sentiment so when when when, people see the company is making money they thought oh share sure go up but then you know normally it's the reverse psychology the big fish will you know uh try to push the share down and then after that you know make people lose interest and then there's where they go and buy up then they keep it long term and they are the one that


make from there but the retail player actually lost from there, okay uh option uh are something which I


does not quite like because uh, you are actually looking at some future, trend for example you have a call option or put option and then you're it actually it's it's some kind of gambling to me lah so I I'm not too sure what is going happen in future so I I don't quite like it because option has an expiry date


and if you uh guessed wrongly you're your money will be gone whereas share right you can actually uh keep it long term even though the company is uh you know not doing well you still can keep, but option after a certain date it will be uh gone you know just like warrant uh for example you you by warrant let's say by the end of a certain period if you never convert a warrant to a mother share the warrant will be gone so option is a same thing so I I


this kind of uh what you call uh date bound investment I'm not so keen of that


ya that's why uh it can make a lot I can lose a lot but most of the time I think people lose a lot because highly leverage means that you are making use of one dollar to buy let's say one thousand dollars, and normally uh when you go you when uh when when you go in the wrong direction the the broker will ask you to uh the brokerage will ask you to top up and it can never end


so you thought you may lose like one thousand dollar it could be losing uh you know much more, so I I stay clear from all these uh high risk product, in it ya, in investing right normally you have this uh what you call uh statement invest in products that you know steer clear of product that you're not so sure about


, okay I think uh CDP account is uh better


uh uh compare the custodian account custodian I think I never use it before but I think is , it's it's normally tied to a bank so so CDP your share it should save uh as long as you have a share inside CDP account it'll be yours uh until you sell it away but in a custodial account I think the share is kept by the bank or something like that


and uh it it it if anything happened to the bank or the uh brokerage right if they fall up your share, maybe uh consider as some of their assets to be uh, to be distributed away so I don't


I don't use a custodian account even though their interest rate are they are what you call the brokerage rate are much much cheaper, okay this is where the uh where these these stock market actually uh does not


link to the real world where the wall street and main street does not balance ah that means whatever happened to wall street right does not tell you the true picture main street main street means talking about the economy so you can see the economy is quite bad but wall street is uh going up very high


the stock market is going up very high why because , uh it's uh because of the easy money from US US is printing a lot of money so they have a lot of liquidity and where does all this money goes to go to stock even though the economy is not performing well so you can see there's a lot of hidden danger trading stock which you don't understand and if one day where they stayed


economy uh did you can see it's going both way right the stock market is going up but the economy is uh actually having recession now so you can see the decoupling between the wall street and main street and that is a very dangerous


okay ETF, exchange traded fund so it's like ETF is actually uh based on a it's something that are index lah straits times index there's a ETF on it so it's based on group of share so this share actually uh


about the straits times index it actually track the straits times index so it's a a more safer form of trading I mean uh uh buying buying uh you know uh in investing rather than buying share of accompany direct if you buy the share of a company direct the company


can get fold and all your money be gone but ETF based on a group of company so uh normally they're they're blue chip so the chances of failure is not so high but then it it moves slower, for example you you know the percentage wise it's quite slow so


for me between ETF and unit trust I would say ETF because ETF you can actually buy off the stock market whereas in unit trust you actually, uh if you want to sell off you still need to uh ask the the fund manager to sell it for you and by the time you ask the fund manager to sell it for you to fund could have uh you know the the the the the share


in a unit could be uh going down so you cannot really control, okay


clap yup yup clap, negative experience


okay I think uh maybe sometime related to work ah so your boss will ask you to do something but then you do not want to do because uh you have not much experience in that area so you don't know how to uh, how to give the reply to your boss such that your boss don't feel that you are no good so this is one of kind of thing that


uh , you will feel trapped and helpless because you do not want to uh let the boss know that you are not able to do something lah because boss will expect you to you know when they ask you do something they want you to uh definitely be able to do it


so when you can't do it because of uh not enough uh what you call knowledge so sometime you will feel you know how to say no it's it's quite difficult to say no, in that situation okay so the okay ah


okay the next one is what are some of the hurtful words some said to you that you wish to forget


I think we we happy word we try to remember but hurtful word we try to forget so probably we've forgotten ya so number three


oh ya


ya oh ya that's the one ah two years ago I think so ya two years ago, ya so eventually


so so that's why uh it's it's a good thing the we the government you know uh prevent uh those uh, E mobility device from using uh shared path which I think it's uh you know it's a very dangerous thing to allow them to use it and I think the the women who knocked down was uh I think about sixty still quite young ya and uh she eventually


ya eventually she passed away right


uh this one had to do with work again ah you know whenever you do your best your boss tell you to do your best but you never get a promotion, so you feel that !wah! nothing you do is good


enough for the boss to promote you so so this is the, the difference between uh the the other section where it said you feel good uh when you get a promotion so it's a it's a just a direct opposite you know


ya ya I understand ya you try to do something good for the uh family but it turns out, the other way ah so ya so ya


okay so describe a time where you feel that nobody cares about you


ya that's good okay what do you often worry about


ya so that's why we have to uh take care of our physical health mental health you know by eating well exercise well, and also uh you know to uh relax and so on


ya okay what is this


ya just just uh encourage them the best is the encouragement right so I mean that's the best thing that we can do lah encouragement okay the next one is uh what was the saddest moment of your life (ppc)


okay number ya , okay number eight is there one thing you wish you could change but will never be able to do


that means go back in time but you can't lah now right


same thing lah the passing of someone because of uh someone passed away you have uh no chance of meeting them again so uh when my father passed away and when my mother passed away the same experience I have because uh that is the time where you know there's uh no way of


going back to, what is what what it is before I mean uh talking to them you know so the life has changed once uh, someone pass away


okay uh especially ah when my father passed away I was uh in the university at that time I was at that time still living in hostel so I think my brother called me and I have to uh


straight away make my way home and at that time I was don't know what to do I was at loss you know even my friend talked to me I was just like uh you know zombie uh don't know what to do so it's it's quite difficult time because you just uh I just lost my father so that was a time where


you know words cannot describe lah so you know uh same thing as for my mother as well, uh, ya my mum it's uh quite sudden as well ya so when somebody uh close to you passed away uh I I think it's a difficult time lah that's when we find you know uh words cannot describe


I something, something that I don't like uh will make me stressed and you know when I was


asked to do something that I don't like I will feel stressed work is one of the thing lah because work is uh never uh what they call something I don't like so you have to do something that is for other people because you need to earn the pay right uh obligated yes so something that you you know


do, not for your own sake but for somebody's sake uh you'll feel stressed, I mean that's natural what about yourself


, okay number eleven is uh , what is the most traumatic incident you ever experienced in your life


but I think last time when you're young right when you're sleeping right then you find that you uh you are awake but you cannot, move that's kind of traumatic, uh incident you know ya you know when you are when you're awake you know you want to move your arm you cannot move so that is quite a traumatic as uh incident as well


uh sometime it quite quite long ah I mean uh but it could be a brief moment but at that time


uh you know cannot wake up cannot uh wake up but cannot move because your your muscles are not uh, activated due to the disruption in the sleeping pattern


traumatic means something very uh suddenly and not a very good experience ah it uh it it's it's I mean it it come from the word trauma you know


, ya ya this this could be a traumatic uh incident as well ya ya, okay ya what's the biggest thing holding back from your goal


uh my goal is uh basically, you know to bring up the family uh give them a good uh what you call uh character building and uh you know, uh good platform for them to uh


have their own life so that you know it I mean for example you you'd you educate your child to be able to, to survive on themselves I mean educate them uh such that they have up good good upbringing you know uh eventually they can manage their life and uh you know be uh asset to society lah rather than burden society that is my goal as a family uh man


but that's not holding me back ah okay that's uh not holding me back, so uh uh, holding back from your goal so no lah


I mean uh eventually, you can have many goals ya but uh I would say, you can plan for it and work your way for your goal but sometime you'll be able to uh meet your goal sometimes not so uh it's okay I mean as long as you meet some of your goal it's okay not all the goal can be meet


so in other words uh you know be happy with what you have but work towards your goal if you want to lah, okay number thirteen right there is an african proverb that goes the child who is not embraced by the village will burn it down to feel the warmth has there been a time in your life where have you come closer to starting the fire discuss


that means it's feel feel unwanted, alright I think it's a uh when you are feel unwanted right you want to uh get them to


pay attention want to get their attention so you you you do something drastic is it , ya so I think uh no lah I mean, for me as I say I'm a easy going person I mean especially uh when I'm not working ah working I uh can be quite stress so I can be a different person when I I am under stress but normally I'm quite uh easy going so I just you know if cannot get okay lah this path cannot go go another path


I I think I think that's very important ya but sometimes it's very difficult because, uh uh


in life I mean people do uh what you call , compare so when comparison comes it's very difficult so even though you are trying your best to be fair to both of them sometimes they may not perceive it as the same so we try our best lah I mean that's the part where you know uh it it cannot be helped but so sometime we need to uh


just to talk to them lah that you know I mean we try to be uh fair to everybody , okay describe a time when things turn out not meeting your expectation


uh, okay let me see uh this part I think expectation uh


once in a while we definitely will get disappointed with uh you know expectation especially as especially, when you know what you expect you did not meet so it turn out to be a disappointment ah so


!aiya! that's why if you are perfectionist you'll be if you are perfectionist uh that's uh a lot worse because you tend to you know have high standards and remain at high standard , uh most of the time the expectation is very high and it's quite difficult to meet that kind of expectation so that's why I say I not if you can achieve eighty percent right leave the other twenty percent


alone don't have to be a perfectionist so you'll be happy more and ah on those thing lah right don't have high expectation that means don't be a perfectionist


ya okay anymore points ah


ya times up already oh one minute ah


ah yes the gap between the rich and the poor ya so so now the world is actually, uh you know the richest ten men ten or twelve men is it


their wealth is in trillions you know but there are so many poor people why don't they share their wealth with others so this kind of thing which uh uh make me angry because the world resources is actually uh enough for everybody to go uh


it it's enough for everybody and it's it's how you manage the resources right, so this is the part where there's a lot inequality lah right and there'll be few really uh that


because of this uh we are not angry I mean we we we are quite uh disappointed lah [orh] I mean injustice if you feel angry you you you can't do anything about it but you feel disappointed so what you want is you know for the injustice to be uh to be removed


so that people will get a a balance in whatever they do ah they are more uh what you call uh uh, I mean life is more equitable to everyone ah, right okay


ya, positive experiences


I think one in uh one only right happiest moment but I think it can uh that because in life uh it's not uh what you call a one off so sometime it there could be uh uh I mean happy moments but depending on various degree right


ya I think uh this describe question number three as well uh after a trip actually I I joined her in the alps as well


right it's a very nice place it's a serene uh mountainous uh area and clean air which uh we don't have it in the singapore you know with all the pine uh tree you have the uh pine


smell uh it smell so nice so refreshing and uh after that we take opportunity to go to norway and , on the way to norway the plane is only uh a few person looks like the plane is, uh you know uh we have the whole plane ya and then after that we go to norway and the uh


train was fantastic ya fantastic especially uh it's very solid and uh it's not like our train so flimsy so uh and then we go


ya especially especially when you go to the town called flam right and then we we take the the train that is uh they are very old train is it, they call it the is it what kind of train is that ah but uh anyway the train is uh uh go through a lot of curve and loops ah and uh you can see a lot of interesting thing can see all the farmlands all the nice scenery all the waterfall is beyond see and I think that is a very uh memorable experience


uh what's his name ah


I can't remember also ya couldn't remember ya , but I think that trip is very nice after that we went to uh from norway we came back to uh the uh switzerland again right then after that we take a train all the way to saint maurice and then after that we stayed in saint maurice for quite some time right


ah so that was uh quite ya and on the, uh no saint maurice is still part of switzerland but on the way on the way to saint maurice from uh zurich right I mean from norway we come to zurich so from zurich we take a train all the way saint maurice


and along the way the train ride was very nice because part of it was uh snow capped and actually it go through a a valley as well so it is uh it's very nice


ya it's a UNESCO uh bridge uh UNESCO bridge ya so it's quite wonderful lah


ya ya in in a train ah ya


uh I think then after that we we we stay in a village called uh what they call that ah uh from saint maurice there's a small village , uh I can't remember the village name but then after from a village we actually take a bus down to uh italy right ah so that that was actually quite nice as well


, so the whole trip was very nice very memorable, okay so uh the next question is what is the oddest or most unique compliment you ever received


okay and okay number five


okay I think thankful for what we are uh for god grace, right that we have uh you know things to enjoy thing to live for and uh that that's we we're thankful for lah


I mean we are we we have to be thankful lah I mean , otherwise we can see now the atmosphere in the world is so bad so we have thankful for all the things that god have given to us, okay number six uh


ya , okay number six what do you used to hate as a kid but now love as an adult I think durian


ya because whenever I eat durian uh when I was a small kid or maybe a young adult I tend to get uh headache, maybe it's because it's too uh heaty as uh chinese say but now as you grow uh older I think uh maybe your Yangchi is not not as uh much as uh before so I think I can take it now so and uh I love it I love durian now


my birthday present, I think my birthday present is


it for you ah yes birthday ah okay the next one


okay your biggest blessing in disguise, I think all our blessings are in disguise I'm not too sure but so far I think uh we have been very blessed right so whether it's disguise or I'm not too sure


okay ya okay the next one is what is the comfort food


ya but I think now now they don't have the the one with the key to open up the container now right


I think I don't have any comfort food because for me I I if I feel down I either sleep, or I go and walk I I feel like lah you know uh walking is uh it's a very relaxing exercise you can actually uh you know especially you walk in the woods uh I mean in the forest


uh especially when we have the trip in new zealand right we walk in the hanmer spring forest ah that's a very relaxing one so I I I prefer that kind activity food for me is is more for , uh I, I I don't rely on food to comfort me but if good food then I I I think that is a it it it's a plus ah anyway I eat most food lah but good food I will appreciate it


ya especially the the fire uh what ah, fire baked pizza is very nice ya you can see them making uh right in front of you, ya and ya ya ya yup


okay what do I love more about myself uh, easy going I think easy going I mean if you if you uh you know don't


don't uh what you call uh judge a person but just uh you know uh mostly easy going lah I mean I'm just, how to say, I don't really


try to what you call make life difficult for other people I I I treat other people as they are but if the people makes me difficult a bit then, probably I will get uh angry and uh that's where where something not not not nice will happen ah but normally I'll just uh a be be myself I I don't go and bother people don't disturb people that's what that that's what I think is uh


it it's it's my my my my style lah how about yourself, ,


I think we have to love ya I think we have to love ourself uh in order to love other people


ya I think I share the same interest uh as you in this part as well because I also like to know what are the thing that can uh make our life uh better you know so there's a lot of uh information on the internet so uh it it it's it's is it's a good uh form of


uh what you call platform for us to search for the thing that we want to know so it's uh I share the same interests as as you for this part lah trying to improve ourself


god god must be ya ya that's the reason where we are here right


!wah! that's good ya okay


okay when uh you receive a letter said you are promoted in your work, that's the best time right, so because uh you spend most of your life working so uh you put in a lot of hard work on in your work so I think uh when you


get appreciated and get promoted that was your time we appreciate but then most of the time you you don't get promoted you see so sometime you know or most of the time will get uh


disappointed instead but that's life you see


okay stop


okay hello trisha


this one ah okay can can can right now if you have money it's good ah


because the the the the the prices are are very stable so if you, talk about , investments right we always had this saying call ah use other people's money use other people's money


use whose money leh you guess you guess use whose money use the bank's money , ah, correct correct so you just pay the minimum uh down payment usually now it's twenty five percent ah then the seventy five percent go and borrow from bank [loh]


ha , !aiya! there are many ways one ah don't worry , ya ya ya so you don't have you don't have job but if you have one lump sum of money, you can bring this money go to the bank and tell the bank eh actually I can pay one ya so there so you can actually put it in


the fixed deposit then they will also give you interests for fixed deposit mah, ya then you will take their money go and buy property and then use the property to generate more money from you


pricing ah oh okay entry price is one, besides pricing ah uh location, location is definitely because you talk about investment location important mah, ah ya so then you also must look at the surrounding uh like


because investment you also talk about future right so the surrounding is there any new new condo that will come up that will push your price because next time if you want to sell so you need the new projects to help you


push up your price so, oh that one good ah that one good that one the location very good lah , that yes yes yes


yes yes yes that because it's near Aljunied right so that line ah is just five MRT stops to raffles place so raffles place you have, !wah! full of those working professional working uh tenants ah which most people they will like ah bankers lah


, more most more stable ah we like to talk about stability in uh in in in in the, current situation lah ya so we always have this saying lah you buy a house anything happen if anything happen right it will not be negative it will still be your house ya at the most you sell it cheap but you still get some money back


ya , it only go up eh our our minister already say the costs go up already so, so it definitely save ah uh anyway [orh] if it even if, globally right I heard this from an american professor that's why I got I was


interested in property it says that property is actually the the what you say the the the assets ah uh only thing that can hinge against inflation


eh eh you guess how much is the BTO the two room BTO in Jurong west


no lah BTO lah cheap cheap one ah the small small one, !wah! no lah hundred over lah


eh but ah, but you you know hor my mother's house ah in Bishan five room flat ah ninety K leh last time they buy but now ah Jurong west ah two room ah so


small only ah, hundred and seventy K leh, Siao ah !wah! the location is is is so far away one is in city fringe another one is at outskirt, ya ya ya ya you can try that you can try that


eh trisha I ask you ah since you married ah it'll it it what's the difference in terms of your financials uh savings or spending when before married and after marriage ah got got difference or not , I single lah I don't know


I happy one , come come share with me , so that I can decide whether I want to marry or not , tell me the truth


ya ya


oh okay


, you you use use the husband's money


uh ya no need it's running it's running it's running


cannot type anything uh how come I cannot type ah okay never mind continue talking


oh maybe maybe that's why I see some of the families ah they will squeeze into their three bedrooms one squeeze into two bedrooms then they will rent out one bedroom one, ya ya ya ya I saw one I saw not just one ah a few house like that


ya eh trisha


no last time it's LV bag from the boutique oh it's LV bag at #pasar malam# , ya