I, if the clutch is working or if it isn't, yes ya so it actually sandwich the child in between it was a very young child two and a half, and I was I did not know err it was during landing so the impact of the plane right and I don't know if it's really the seat got problem or I never


the back seat fell and it's quite heavy, yes it was ah ya then after that I think the mother panic along way and call for help but because we're still uh we haven't reached the gate yet so we couldn't help her in time I think she was little bit upset and then when the first crew attended to her like she was very angry she wanted she wanted to see a doctor and everything


then I felt very bad lah because ah it happened on my watch and it's also my I but according to my senior crew they said like, uh the clutch is not working I didn't check they asked a technician they say that it was not secure there was no extra stuff behind the bed it's just a blanket and the pillow


did you just say you see <P2>sarah</P2> did you just call <P2>sarah's</P2> name oh okay ya okay then


ya okay so from what I recall I owned up straight away and then from what I usually practice is every time when I bring up the when I pulled up the bed right I will always use my whole body weight to push it forward


so I'm, that is what I usually practice but I don't know what happened there and I felt bad because everybody is already very tired from the flight we barely have ah twelve hours at the station and then I have to hold out everyone because we have to write a very last minute VR


yes okay so what happens is when we touched down right you will go class by class you have to uh something about those transit or non transit first then straight away we will be directed to the hotel , and then uh we have straight away okay straight away to the hotel twelve hours there by the time you shower and and get everything done right it's only left like eight hours plus only the next morning you want to wake up and you have to get ready for work then they still want to order food all that stuff like I didn't even bother ordering because there's no


time to eat you just want to shower and sleep already, I didn't even room service ya I just had I brought along cup noodles I have likes like a protein shake or something I've got a bag of chips that's it like morning I was having milk coffee and then we just waited until on board basically everybody didn't really eat a lot because


it was already the stay was too short ya ya okay so back to the child like, I felt bad because it's someone else's child and then if anything happened if it's a backlash or anything like although I am not directly responsible but


eh I think I will, I will feel very bad for the rest of my life, oh ya


(mmhmm)


I yes recovery


what was the ending like, okay, so in the end did she say it was okay or did she forgive you, any follow up about the child


shocked oh okay


I think is I think is quite recent like uh my mom's like okay if I have all these plans coming up and then uh


uh, like unexpectedly my mom has to go for ear check-up her ears recently I don't know if I told you like her eardrums got injured so she I think she scratched to deep, yes ya so yes then after that the whole thing was sore and then she couldn't sleep and the whole thing swell up because there was so much pus they have to give her an injection they have to drain it out and which means like I will have to


cancel my plans and look after my dad although it's my responsibility lah but some of the things I already plan like few weeks ahead so you got to cancel you got to and now that he has to go to see a doctor quite often, both of every now and then lah for follow ups like a lot of things, last minute I I will just have to change it lah it's a bit unpleasant but it is also my responsibility yes you


yes yes ya, like like some of these plans are with maybe with <P2>hui hui</P2> they all all they can only meet at on the weekends this kind of thing ya so now my life not only mine lah but basically like if ah I can only plan around his timing for now for now until he's okay lah I think his eyes are fully recovered


ah okay I know what you're talking about


you bring the rain clouds with you


ya I don't think you are missing or anything eh it's just like two one turns, if you have to hike up


okay, you need to check the weather already before you go before you plan for a trip


, okay ya you have photos for that


agree agree


okay I'll touch on the heartbroken thing ah that was like when I was still quite young then I was dating an older, guy he's very lame but ah basically I did I am a very sticky, person so he had, yes yes like I couldn't control myself lah but ah I was also quite pathetic


but that's when I learnt to be like stronger and to be more independent and you know not need uh to understand that they have to have their free time ah, but ever since I met <P2>shed</P2> I was like okay it's good to be independent but it's also important to meet someone who feels the same way with you maybe that guy is just not for me because <P2>shed</P2> is just as sticky as me like even when he sent me like from gym he send me home right and then he say


he sent me to my car park and then he say when you go up to your house text me that you reach home even such a short distance, if I forget to text him he's like why you got no home is it he will sent this kind of, very sarcastic remark so I'm just glad I find the right person ya


maybe ah maybe I can make it home by myself but I was quite upset how I reacted like with the heartbreak I, even I couldn't control myself I even called, his friend to look for him and then his friend had to explain to me that eh actually is not right for me to do that ya so I think through the heartache I kind of


learned (mmhmm), , that I was so lame yes you


was it a lot a lot ah, (mmhmm)


eh he really went through a lot,


ya,


for me I would think so I mean what's the point of living if you are just sitting on a bed, all the time of recovery yes


this


okay I was thinking about it I never felt awful helping someone I always felt so good about myself, , yup so it doesn't apply to me do you have any such experiences


, okay maybe I felt confused because uh that time when I was in Sydney right then there was this uh a beggar he was on the street , I thought I was doing a good thing by buying because I went to grocery shopping what then I just buy an extra chicken cutlet for him and he actually rejected me then I felt a bit like eh what's going on


like are you is, I think so yes yes so I felt a bit like exactly yes so I felt okay most likely he wanted money for drugs ah but you feel a bit like eh like it just confused oh like why you not taking my money you take it or why you not taking my chicken cutlet just take it you know


he I ya but okay that that's when I figure out like not all of them want food,


I I can't think of her, do you wanna go first


ya I think I give up a lot of things easy like so one is a little bit difficult


BLM maybe black lives matter


positive experiences, okay so describe your time when you were helped by someone in your time of need


you want to skip,


did you expect it in return when you actually financing to his


okay for me is I would say my brother during this time of COVID he was the one who kind of push me and taught me that I cannot just rely on as on on my job


so he's been sending me a lot of links to to help me to understand and learn more about stocks and bonds as well as helping me to start an account and he wouldn't let me invest until I learn, how to ah ah


I think so ya so I feel like I actually felt very thankful because, he keep trying to lure me to start like you know like eh I have already he keep turning thing things like uh I'm already earn this a little bit this much today you know that kind of thing so that I will be like oh okay I'll be more interested to learn more about it and I feel he's teaching me how to fish instead of giving me a fish


yes yes, yes


ya the best meal you've ever had, eh same same


yes but then she's also the one who yes I complain but she's also the one who knows like what's my tastes because I'm very very picky and I'm, uh very anal about certain things so like I eat like eggs but I don't like ah egg yolk she will try not I know I'm just a spoiled kid okay she'll removed the egg york for me she will like ah I don't like the fried garlic in the food in my vegetable so she'll try not to use it if she's just cook it or she will cook it separately


ya,


(mmhmm), maybe she's trying she's trying to tell you like stop making her cook go and get Grab


for me I think trying to remind remember the goal because sometimes I get lost


uh through like the the struggles and I think remembering why I do it in the first place or why I wanted in the first place it's quite actually it's very helpful what about you


ya that's true also I think having support, like support from your spouse support from your family also helps me tight through like difficult times ah


it is you get no you get a you get a wellness high okay really and what else okay exercising is one of it I really swear by it it because sometimes when I'm really just stressed out or have too much on my mind right like going out for a jog getting some fresh air


yes yes it helps and I think the adrenaline or the dopamine that's release dopamine or serotonin


uh maybe go for a walk instead of running like if you just if you haven't done it for a long time then you start you want to start running again you definitely not look forward to it ah you yes of course I'm near the ECP what


so ya ya, oh I'm forced I'm forced to wear long tights now and a jacket by my mom, yes so and she will make me spray before I go out so that one I'm not quite worried lah but for me to unwind and relax is always to to meet up with my friends to have a


bonding session and connection session with them or play with my nephews because they kind of take all my stress away like a they are quite fun to be with ah around ya


are you serious I thought I though you will say something I thought you will say something more heartwarming like or like play with him and watch him grow up that kind of thing you know


best surprise I've given someone do you have any because I can't recall right now


okay I think I can think of like a similar one was when I got <P2> shed </P2> his first like business class seat even though it was a very short and cheap one right


I think we went to china yes, yes, exactly so I know he was feeling a little bit like annoyed because language already ah yes yes like language issues


ya okay so okay for example like when we wanted to have eggs and toast in the morning before we go up the mountain and I asked the driver to bring us to find such food you know where he bring us ah he bring us to those like little ah old school style of ah


restaurant right and then their eggs is dirty boil eggs and the toast is Mantou and he was very he was very very disappointed and then we wanted to, and the steamboat the steamboat is really I I don't know ah it's a bit scary because when I ask them you know my mandarin is like half past like cannot make it kind I ask if there's any meat


is uh no but I think their mandarin is quite different from the usual like uh city mandarin ya, so I know food wise is very important to him and he didn't really enjoy the food there then the least that I can do is to not stuff him in a cabin full with all these other people that he cannot get along with


like just let him relax out a bit lah so when I told him to queue up instead of like the usual economy section I ask him to queue up at the business that he was really very happy and you're also to commemorate like our a milestone for us like , you know last time when we went for holidays right we have to we we have to save so much and be so thrifty we took a fourteen hour train ride to another destination


like stuck with other people, so ya and he didn't even have money to buy breakfast at that point because I think he use up like all his uh allowances for the, for his uh for that trip and then we work very hard and saved a lot and to be where we are to be able to enjoy that I think it was he was really very happy lah it was quite memorable for us also


that was after that before that when I met him he was he really wasn't doing too well ya but he still wanted to like impress me and then still wanted to travel the world so we try to


make it happen and he didn't dare to tell me that he used up most of his money for uh when we were having breakfast, ya so I treated him ah I didn't think much of it lah but he was really very very embarrassed so from there then he really I think it push him to work really very hard ya so for us to be here and to be able to enjoy a little bit more I think it marks


it's it's a good good thing for us ya, , okay I think it's about uh for me is making fear my friend because I grew up feeling a lot of things I've


they instilled by my mother to be afraid of a lot like you know when I go overseas like ah don't don't talk to strangers that kind of thing she's still reminds me those little small things and somehow over the years I grew up


panicking or have anxiety for no reasons because or like for example even for standby kind of feel fearful for no reason I have all these illogical fears so to actually teach myself to calm down and look closely into it and realise that fear is just in the head it helps


it helps my mental it helps me it's a mental shift lah it helps me tremendously yes for you


(mmhmm) (mmhmm)


(mmhmm)


okay let see this


I think that is not exactly something optimistic to be a to be about I feel like I'm gonna be in a lot of debts about that any advice ya ya definitely definitely


have our own little world which is nice, oh definitely do that but uh I'm pretty sure like I will so miss my family miss having someone do my laundry


yes yes definitely no lah I'm just kidding about the laundry part lah I can do my own laundry but I I miss having like the family time together you know, definitely uh


but I will also be a bit worried because my dad is getting older my mum is as well so without me I don't know if they will, be able to cope, most of the time but once I go out of the house I think it'll be very very quiet for them


it depending if they start going school then they wouldn't be around so often, uh it depends on what kind of arrangements next but I think it's also a good thing for them because I I believe they want to take a holiday for a very long time lah but just because the kids are uh they're not old enough so they decided to put it off lah a very long time


on their own ah, ah, uh I worried for my dad because he doesn't speak english though I scared he will meet like some racist people ya ya okay challenge


the safest place for them ya , yes but I I really wanted to experience more like europe kind of places ah, yes long flights or I I already cannot find food that I enjoy in germany especially it's quite difficult I don't know about there ya


okay


finance related topic


so we we can talk about any of these financial topics, okay so what do you read on


it is


ya because of the COVID right, but apparently because there's some markets like especially the stock markets that are rebouncing after the COVID like Microsoft and, SP abalong or something like that so


and I think if you were to buy stocks and stuff in these markets it's a good time to like sell right now because the market is bouncing back I think for the other stocks it's quite quite a bad the crash has like influenced, the stock markets quite drastically


that's yup, it has dropped a lot because of the COVID, it's quite bad, but I think this COVID incidents it's like I mean it's a recession period what so it's not really a good time to buy stocks


are you serious


the the economy


that's true that's true but isn't that the technique of like buying low and selling high so it's like I mean to get a profit you should buy your stocks at a really low price and you sell it at, so that all depends on the market and how the economy is doing so I think it's like


buying stocks and investing is quite similar to gambling cause you are not you know you are not going to you will know when the market's going to hit rocket high or when it's going to be rock


crash then you just have to


so if you buy it is all stocks is it so if you buy stocks, on a monthly basis, so, wait but isn't the price of like one stock super expensive


so ya so if you were to do it so ya okay for example so if you were to do it monthly don't need to pump in a lot of money as well, okay okay you must have the financial reserves


like cash that you disposable income, I mean like you you have to be able to live without this cash you got to make sure that if you lose all these cash you're still financially stable so it's, that's I feel like that's the smart way to do it


what do you mean by human emotions, ya that's true


so okay ya so like, what you're saying that people are becoming more educated and more like they're trying to do some


ya I mean like us I think most of the people right especially like people our age we we don't really know what, investment or stocks truly is so I think we just jump into it because like oh everyone is doing it so we should also like buy stocks and like try to, do something about money but I feel like we don't know what's the risk factor behind it and to buy stocks right you have to


I feel like you have to constantly be checking the market to be very independent and like you're going to be, quite responsible and motivated to keep checking your stocks in order to make uh uh a profit, so if you were just like okay I'll check it today then maybe I'll check it like five days later you're not going to like make the best of it so I feel like


if you were to jump into this stocks and investments you you must make sure you invest not just money but most of your time into it as well, so that's why you know, you know there's they are investing in options I, feel like that might be a safer uh for people without much time I think if you you invest in options you'll be a better like


prospect for you because options is like you make , what do you call it you make an agreement about company so if I want to buy your shares at like five dollars per share and buy like fifty thousand of it then, that's, going to be the amount I'm going to buy it for and I'll fix the amount I will sell it for as well so no matter what the market is like for example my like five months down the road my market is at like ten dollars per share but I made an agreement that I will sell it at like twenty for you so I'm still making the profit but


okay that's also a gamble because like say later down in the road if the market is, doing well and the stock price is very high but I agreed to only sell it at like, ten dollars per share for you you'll not get the add additional profit but if the market is doing bad then you make a profit


so if you like if you don't really have much time and you want to start somewhere I think you can go for options instead, no but that that's the thing, if you're going to invest


okay go on if you want to invest in stocks you really must make sure you have the, time and like, ya the time to keep checking your stocks and, the market I mean


, so it okay what you're trying to say is you should invest in companies that are


most probably most probably profitable and they will hardly go down into a recession and like, okay okay I mean ya that's a better


no but option is like once you make the agreement it's like you don't have to think about it anymore you know like okay like five or six years down the road I'm going to get like this amount of money so it's more of like I pump in


no but options I thought you don't have to so it's like when you sign the agreement, it's, it's already fixed so for example you I'm buying shares from you right you you, quote me a fixed price and you tell me like okay I'll sell it, I'll be I'll be willing to sell the shares off at this price at a certain time later on so it's like uh an agreement


okay ya let's think you won't know like later on whether you're making a profit or uh, or you are losing money because, you won't know what's the market price at that time what, but, you won't know whether you're making money because like for example now I buy it at five dollar per share


then like I'm willing to sell it at ten dollars per share later on so you're still making money it's just that you won't know whether you're making the most amount of money, ya sure ah that's why I'm saying like


you know you won't make you won't make a eh actually you might make a loss


when you dollar cost like how does that work again it's like, , okay so then


and when do you like decide when to sell it off


could you to be honest I feel like that's the main motive like you you're investing to make money so if you're not going to sell it like anytime soon


do you personally find, stocks or options so you prefer stocks like investing in stocks than in options, I mean you said you you feel it's a better


ya ya definitely


then that's the same thing with your stocks like you should be purchasing stocks from companies or brands that you think would like hardly have a crash, but then like like as you said, you should invest in those high-end companies right so like even during this COVID period those high-end companies are dying down what I mean they are facing a


uh uh dip in the stock markets, so it's like it's not really just


ya people are buying know because it's like the stock prices are very low cause of the recession, so, it's a good time to buy now then you sell it maybe like after we recover from this this COVID


pandemic like you're you, we have to wait for the stocks to slowly rise and go back to its original, , go back to its original , state and, source of income right


so ya that's why I think people are buying now and waiting for, and they most probably will sell it when it's like, when we are back at the ya


I think retirement policy is more of, C, I think mine is going to be CPF cause I mean investing my CPF you know there's this, like retirement policy especially at Prudential where you can like invest your CPF so the it's basically like stock markets but the thing is that the Prudential agents could do the uh selling and buying for you so you


pump your C like a certain amount of cash from my CPF, into the markets and then like maybe every like month or year the agents will like do the checks for you and then they'll be updating you on how much your CPF has grown or how much is made money so you can choose to, sell your CPF at a certain after you turn fifty five or something like that you can choose to sell your


CPF money at this, at a certain price so you can take back like half the cash, which is, so basically like if the CPF money right they will put it in the different funds like asian fund and all these funds so if the market doing well and you make profits your CPF money will accumulate and grow higher so after fifty five if you choose to surrender like so sorry


ya using your CPF money so you don't have to pump any cash at all so you just use your CPF you put it into the so called policy lah then the agents will help to, monitor the funds and stock markets and everything so after fifty five you can choose to sell your policy so when you sell your policy whatever your normal CPF you make right like your normal CPF plus the profits you get back the money


or you can just let it, accumulate and like say I don't want to sell it now maybe at sixty and you make all the amount of money you make right just accumulates and then you just take it out as a lump sum, ya, in cash you can but you can also choose to ya you can choose to take out half the amount or like


it it depends on the on the banks like the agency will update you on that lah or you can also do your own research and see how it works, so I think that's quite a good retirement policy for now because, I mean if you want to do investment stocks so you're going to start early and you're going to make sure that you can live without the money that you're going to pump into all these like


this so I feel CPF is like one of the best choice cause you can't even touch your CPF what, for us lah ya it's early


actually I'm not ya okay, true true and plus our CPF is not I mean we don't really earn much now CPF right now so I don't think we can do like although we please, ya so I think it's this kind of policies are more beneficial for the older generation


so ya


K ya cause okay condo is is yours afterwards but HDB after hundred years it will be back to the government


[orh] okay so you want to buy like two condos, ya because it's it's illegal so called illegal, actually by right you can't even do that for condos you're not supposed to be renting out another property when you have you're not supposed to have more than two properties in singapore


negative experiences, err, okay yes okay I think it's basically my like track career so


it has both I mean it has both okay so then the worst one was like in, ya there was one was like when I was in J two right ya J two when we were in J two twenty eighteen so it's like


okay like you know track was my life so I was like, training both on the school and the national the under-twenty team so I felt like okay so in, J two was, the year that was I wanted to qualify for the SEA youth games and SEA youth happens every five years once so like after you're you eighteen and above you can't qualify for SEA youth so that was my last year and like the entire year I was training like so hard and like my times were actually going really good and like there was this so called


competition just before the major one, where you can like so called like test it out and that was when I was like, point five away from the what you call that the qualifying marks I was like okay I'm so close I thought everything paid off I was literally training like six to seven times a week eh it's like almost every day


yes in some days it was like twice a day eh so it was like fourteen sessions per week or even ten at most ten wait at least ten sessions per week and at most fourteen so I was like, super drained and I was like okay lah since it's paying off like like okay it's it's a good investment and


J two was like academic's so stressful track was another NS like imagine training twice a day for the whole week and studying it's like !wah! damn, so I've no social life what I'm sorry like just training studying training studying so it's very draining but was okay at least paying off


things like at nationals is that okay so you target to hit this timing during national's I'll qualify for SEA youth and then I didn't lah I like one and a half months before national's like I had a stress fracture of my foot like every time I, ya the cast also so I couldn't like I couldn't even walk eh so like what the heck how am I supposed to run right cause every time I


ran there was a sharp pain on my foot so I thought okay there's something wrong so I went to get like uh x-ray scan they didn't say much so after that I went for the MRI then they were like [orh] there's a stress fracture it's like !wow! shit so it's just like it should take like at least a month to recover so and national's should be in a month so I had to like down my training I was doing


water training which was nowhere near track training but it was tiring but it was no like you don't know whether you're improving cause you're not like you don't see any results and anything right so it was like !woo! a mental, it was like a mental torture I was in it alone I felt like, like the world was against me like why you want to do this to me like I was like


it's like, it's very frustrating cause I put in like, three to four months of solid like, training like everything was going well and boom just get injured, and ya so I just I mean I already expected myself not to recover in time so I didn't but


ya I didn't I didn't qualify for SEA youth and I was just like ah damn it, I didn't qualify for sorry, like for nationals and that was it so I was like what's the hell man I was damn triggered but okay


but the good thing was that because you know I told you it was like uh there was a competition before the nationals right so lots of officials saw my timing for that one and they were like okay that it's like a pretty decent timing so that's why I got offered I got into the instead I go into the SEA games training squad lah so which


ya which was a good thing but then because of this COVID there was so much of uncertainty I mean SEA games was the year before but then right was last year it would so our next one is in twenty by right it's supposed to be twenty twenty one but because of this COVID we don't know whether it's going to happen so it's like I'm training but I'm not sure whether it's going to be like


for any purpose or any competition, so it's like another like uh like a path leading nowhere, ya exactly so I we don't know when the our competitions are going to be


can't like it's still going to be held or not so it's very like, ya ya I get what you mean it's like I've been doing my entire life so I feel like I've achieved like a decent amount so like should I just stop and like do it for leisure now


ya I get what you mean like good at it as well, ya ya ya that's what I feel also, but I feel like after a while you like slowly give it away like


I feel I'm not so affected by competitions anymore I feel like just want to, train, for the to keep fit, feel good and like, that's about it anymore


ya I agree with you ya I read your reflections, it's very relatable lah


okay it, the ones who stay near you right


that's true it's like


ya it's like no point, you know it's like temporary happiness right it's like it's not going to get far


ya this ya this kind of things excite you ya


I see I got what you mean, , it's like I feel like when you have like, like something in similar like for example we're all from the same school like we all have the same goal it's to clear our As lah I mean do well for As what so it was like


actually to be honest lah like my JC friends are like really U wishy, ya the rest like I don't even keep in contact anymore I mean we talk you know, okay okay but given you've been in NJ for what six years


oh ya


oh ya, eh he's the big names right he's the SEA games player


ya I get what you mean it's like, even when we go for competitions like like I'm not looking at other people but like most of our most of us are form like the elite schools and then some of them are from like sports school I mean not seen as possible not elite but


we don't okay the academic wise it differs cause if you were from cedar uh #hwa chong# raffles and they were from sports school so would like, during our free time right we'll be trying to like as much as possible trying to catch up on our work and like so called mugging because like for example our national competition is this week right I remember it was one to uh malaysia


so like for , some under-twenty competition lah so then the week after was our final exams, so obviously like after we finish our trainings everything we will, go back to our rooms and like try to study like we actually brought our books with us


ya, they do it was that bad so like my roommate and I will try to study and then like the other cedar people also try to study and this okay there is a group of sports school guys they are like they're really like the jocks kind of thing they have that mindset oh I'm some, some like


super good athlete although they are not like the best they're just decent okay they're just good in singapore outside singapore we are like nobody so okay they're good in singapore so and when so during their free time right they will just like trying to party and like making so much noise cause our competitions were all over so we are like three days off


just rest and relax so you're like trying it your own lah so you're just like trying to, study and like get our crap together and this group of guys and girls we have partying they will legit put out alcohol every night like how do you get drunk on like consecutive nights right so we were like what the hell and they were underage so like !ugh!


malaysia ya so I was just like, ya so it was like a very , it was a very negative influence ah we just felt like we had our priorities different so I feel like I understand where they were coming from lah like if you had a group of friends that were like partying and


providing negative experiences every night like your I mean every other day then it's a negative reflection of your life also lah


ya and okay actually though okay, their curriculum is not that bad it's similar to like all the other schools but it's just that they have they stay in so it's like sometimes the lessons are at night nine to eleven kind of thing or nine to ten


so so it's I feel like the emphasis when it's not that great lah as compared to like other schools, ya it's like study is not the academic is not a priority down there lah


but not that I know of lah like, people won't tell you like straight in your face what, like I think you should, like if for example I look down on someone won't tell the person what, for I've, ha [orh] did ha how do you how do you know


ya okay maybe cause I'm a female so it's like and I'm athlete right so it's like every time I walk into a gym I actually get like, positive remarks still like oh you look very fit or you look very toned, so it, okay no I feel like it's hard to be uh okay it's hard to walk into uh a gym being a guy feeling very confident but it's


easier for females walk into the gym and feel more confident because I mean, I mean I walk into a gym I don't look at other girls lah like I don't really I'm I'm just like okay ah like you are there to do your thing ya I did workout so it's like but you know like other guys, like when guys see fit females right they feel like !wow! like she's


what what's the word, I mean I think it's ya I think that's human nature lah even females what you see


oh okay if you are putting it if you put it that way, ah I get what you mean


what the hell man


ya I get what you mean it's like, I feel like people shouldn't be judging like


how good you are at something based on like face values like, I feel like there's no like ideal body for specific sport, like you look look look at the gymnast the what's the name you know they say oh gymnasts you can't be super bulky ya to be like super what like petite and like like slight and stuff right but there's this I really forgot her name


okay there's this what's the name , okay there is a woman she's african lah she's she's a gymnast she's a Olympic I think she's gold medalist or silver dude she's she's so buff like not buff lah but like very strong and muscular like


not really bulky but not okay like not like those ideal stereotype we call gymnast body, ya but I wish ya and she I and she's like a gold medalist so so I feel like she's olympic Gold medalist so it's like


I feel like people should just keep their judgmental thoughts to themselves it's like there's no ideal body type when you think for specific sports I feel like ya maybe there are like some muscle groups that if you tap on but muscles on different people look different it's like, I may I may not be muscular but I may be strong I'm some people may be muscular but they have no strength


so it's like like keep your judgments to yourself I think that people should not be talking about other people's negative body remarks at all, say you don't know what they're going through


ya ya that that


so is okay especially close from a girls' school so I have like !woo! eh like in secondary school I have so many friends with like, uh, a negative like influence of their body they're like so insecure and there are so many people going through eating disorders it's like


, ya I just feel like it's very it's very sad, ya I feel it's more of like body confidence


it is the same for females what like when you don't conform to the like ideal stereotypes of beauty like for example if you're not skinny or like if you're not, like petite if you're not like feminine it's like you're not a ideal woman or like a ideal female so it's like for guys it's like you just you got to be bulky big and muscular right it's the total opposite for females you got to be like petite small weak fragile I'm like what the heck man it's like


what's wrong with like females being strong confident about the way they look like being fit, I feel like I'd rather be muscular fit and strong than being petite weak and like scrawny weak so


ya I think like the most important thing's like you you got to be confident like no matter your body type like, like


I guess but I felt it didn't really affect me so I wish I was confident with my strong body so, , no but ya I I have personally have a lot of female friends who would like have


she !wah! she had to go for medical treatment just to get her to get like her life back together eh right so it's like ya she relapses now she's like I don't know severely severely underweight


positive experiences


for their experiences, alright


err ya ya ya wait is this, it is happiness it's about anything


for this experience oh okay that's nice uh (hmm), ya very grateful for my friends especially because like I feel like the duration of time you know someone is not a good indication of how much like how well how well or like how strong your relationship is it's like I've known a few


friends for like many years but there's no strong bond it's like hi bye and like you guys will chat every now and, then but there's no like strong what do you call that connection or not as strong you feel it should be and like some people you just meet for like one year two year it's like !whoa! like the bond is so strong and it's like something to be very thankful for lah


it's like to be honest in JC I mean although JC is only two years and, but I've been in my secondary school for like four years I feel like I've made better friends and better quality friendship for my JC ya it's like maybe a small group for my secondary school but


ya and, my JC is like I've only known them for two years or less than two years and I feel like the relationship is compatible


you know my uni friend like shawn I only knew him for like about a year and we don't even have that many classes, together we only like one module together and like even, that we don't lectures are online so we only go for tutorials which are like every which are fortnight basically and we don't meet outside


tutorials so I felt like, it's a good friendship forged, ya that's true


ya, you're willing to put in like effort energy, that's true that's true


ya I mean even now I don't really care it's like if you matter to me then I'll put in the effort like if I think this relationship not going anywhere I mean like it's it doesn't have to be a personal


relationship just like friendship like basic relationship family it's like if you're toxic I'm not interested lah like you can just cut it off, you got to do what you got to do


yup, (mmhmm)


like ya I get blood is thicker than water but still negativity's negativity lah


it ya, actually by right it's semi-open already so it's like they are, allowing certain people to travel here and there but they have to be quarantined, like on the tenth of august I think


they open up the borders for essential, or you mean like for ordinary people, I don't know man I think it'll be quite long because


!huh! so long I don't think it'll be that, somewhere next year lah but it's quite a poor thing I feel like those those like malaysian workers they stuck here for very long eh, never seen their family they haven't been like back home they have been


wait serious, wait malaysians or what, oh migrant oh ya ya but then, ya but to be honest the migrant workers


okay okay ya they're quarantining in their dorms but


ya camp


but yours is camp three is it two okay okay


[orh] okay, and so he's non-flexible he's very like he was not very he wasn't sticking to the timings


wait your your army your army mates


!wow! that's very nice of him


(uh huh)


ya okay, oh so there your your timetable is not flexible


okay ya it makes sense, mindset uh


, ya, at least two people there to for you to talk to


[orh] ya actually you know <P2> shaun </P2> right he had the same similar experience in his army so he said like for the two years right the first year he had hell because he was okay so he was actually going under counselling and therapy because of his family like


, I think he was having some family problems like his parents were, getting a divorce so the first year some people thought he was they saw that he was under therapy and everything like his superiors thought that he was like some losers so they pushed him to some weird camp and ya so he was having a really hard time there so he went up to his superior or ma'am and he was like he was telling her like [orh] I want to uh


do something like that can you like tap on my positive abilities instead and like my capabilities and pushed me to a sector or like a frame that, !whoa! like, make me feel better and like at at least let me do something and be contributive to the army right so in second year he was in he was in the navy so he went


so he went to this unit I think also in kranji he said his BMT was in kranji camp three or something lah ya then his second year he said his second year in army was the best yet the best mam he said like the ma'ams are mostly females I mean obviously but


ya and he said he was in the navy so he said he met like a whole group of people there who were like like so warm and welcoming and they were tapping on his like kept he's very artistic keep it like , he is able think out of the box and all of these so they were like tapping on his positive traits and he said it was like the best year of his army life and like as you said like opposite to the guy who was managing you right he said his ma'ams were like super flexible


like although they start it's from eight to five he's he was like if he comes in at nine thirty like with valid excuse and stuff the ma'ams would be like, very understanding below ya sure and if they finish all their work whatever they're supposed to do and it's not even five yet right they can go back already so he said ya so he said it's like he had a very good second year in army and on his ORD day right he said there was this one sir who like


always like so called looked after him ah like in a good way because he always does his work and all all of that so he he randomly ask <P2> shaun </P2> oh so what do you like like what's your, like what do you favor and all of these things he was like oh do you mean like materialistic or like not materialistic then the guy was like I mean materialistic he said oh I'm I'm very fond of watches so he likes watches he collects like lots of watches


and, on his ORD day right like after ORD he brought like shaun lah he's like he went to this watch shop in I'm not sure can't remember where but some watch shop and he he just turn to <P2> shaun </P2> it's like oh go in and choose whatever you like, ya ya


and then shaun was like !whoa! so he was like he was super touched by it and then his, then his ma'ams were super nice as well so like on his ORD day they brought him out for he loves indian food lah so they brought him up to , Swaadhisht is it a place called Swaadhisht in I'm not sure where this is at Bugis or little india I can't remember it's like you know those high quality indian food so it's very pricey


so for just three people right it came up to like hundred plus close to two hundred dollars and the ma'ams just paid for it so he was like he was very thankful that he met this type of people in army especially in second year when he's going through so much like family problems and all these, so he felt like his second year in army was like the best time of his life and he came out as a very positive person so like whenever anyone's done anything right you can just go and talk to him he's like he's like the therapist you need in your life ya


the best ya, !chey! ya why am I not surprised, ya


like really do something right


ya it's like when someone is nice you generally don't feel like, ya like they are not like


micromanaging they are not like follow the books


ya ya, that's nice, self ya I feel like


I feel like there are two sides to army like that I see so many suicide cases nowadays this is like people want to commit suicide and everything in army but then there are also people who are like


in between


like anything, is


ya that's true, I, ya and I feel like I'm in the similar shoes as you it's like I have a group of friends I mean okay most of my JC friends are guys but I feel like where I can talk to them about almost anything then my secondary school friends are like the


the social ones I mean like the more warm like the girls lah like talks like we can do anything like it can be a smart conversation I mean not really smart like intellectual conversation or it can be like just plain plain dumb conversations that just brighten your mood so I feel like


I mean ya I get where you're coming from I know what you mean by intellectual like something like you really want to, ya ya ya that's true that's true like personal growth


ya ya like the feathers of the same eh no no is it the feathers of the same, same feathers flock together !oops!


ya, , ya ya I get you mean it's like with the it's like


you choose your friends based on not really choose lah but you okay especially now you feel you want to spend time with like people really make you happy grow and like, generally a better person in life lah you feel like you don't want to waste time on like


like toxic ya like relationship that's not going to get you anywhere, definitely insane to have so much time to waste and explore and like find the people that really meet our souls but now it's just like I already know what I want lah like half


that's true


ya what was the best meal you've ever had


ya, I mean I guess you could say it like in a nicer way I mean you could just tell her like oh I don't favour this I don't favour that maybe you couldn't cook it


I'm too opposite I feel like ya okay go on, I think that was me in like the first last year it's like, I don't know I did I didn't put so much importance on nutrition of that but I feel like now like slowly like okay maybe


maybe you haven't feel it but the what what you eat right like the quality of food actually affects how you feel so if you like when I try to put in more vitamins and like antioxidants into my meals right I actually genuinely feel like happier and like, ya I don't know I don't know whether it's psychological or what but like try eating like one healthy


meal per day you feel good you just feel good lah, and like try getting like maybe exercise twice a week I mean that's, some of the thing for us cause we are like into sports but, this one healthy meal a day or even uh in like every two days once you feel better


it's the end of it's the happy hormones released, ya oxytocin in it and endorphins is it, ya, same if it's not for track ah I think I would have met like three quarter of the people


financial related topic okay hello, okay hello hello , okay what do you eh what the heck what do you think of


so how actually you got do any like how to say like reading up on financial stuff or not, so how you got like read on any like financial stuff or not recently


I mean I got lah but who was like, all the investing and stocks lor, and like cause like, you know seedly and like fundly they give what they give a lot of, how to say like this kind of tips lah I mean now I also have nothing to do


ya so just read up on all this kind of things lah so, actually right for investment strategy right there's a lot of like investment strategy lah like, some people they do growth investing then a lot of people they do value investing that kind of thing [orh]


so, and some people they buy you know like the day the day I ask you, remember or not your investment-linked policies and like from insurance ya from insurance company and stuff lah, so like a lot of stuff lah that's the thing [orh] then like, so like actually I've been reading up on value investing lah so it's like basically you buy good products for cheap


like, for like half the price like that so it's like, let's say like Apple is like let's say Apple is like three hundred dollars right you buy it at like hundred hundred and fifty dollars, when the market crashes or some stuff lah then you go back up lah you know that kind of thing


that's how like warren warren buffet all these they do ah, but honestly I think it's quite, outdated though to be honest like I mean as much as it sounds very nice and stuff right how to say it's quite outdated cause it's like, I don't know for me it's like since


march right I've been waiting for the market to I mean it has gone up lah you know the last crash was in march what so I've been waiting for the the market to go back, ya I've been


ah ya ya ya


is it is it like the oil prices or what, when, don't talk about the don't talk about the oil lah sia


as in no actually just just the things are no like recession reflects the economy but then it's like the stock the stock market sentiments are like the opposite actually actually to be honest if you see the S and P five hundred right the stock market is at then all time high eh


I'm not even kidding bro, ya that that's the thing that's why I'm like very puzzled cause like, the market prices are doesn't reflect the state of the economy so it's like , me and my friends we are like expecting a correction lah per se in the market it's like so we expect the price to like drop lah to reflect the true value of the market


but then it's like, but then the prices keep rising and rising and rising each day you know because the market is already like overvalued it like a lot you know, like for example I give you an example you know uh Tesla right, you know the I mean if you look at it from the you know all the PE ratio and all the stuff right like if it's like


from a technical standpoint right the PE ratio is like seven hundred and something eh, !chey!, normally a PE ratio should be like twenty something that twenty something because seven ya seven hundred something like who will buy you tell me that's the thing


okay that's the thing that's the thing, I'll, okay I mean you are right in the sense where we don't know, but, I wouldn't say it's gambling because like what the prompts say right that's when dollar cost averaging comes in lah, so you don't try to like time the market or predict when the market will crash


like you ya you, you've just like invest like for example you do your research you create your own watch lists of like solid good companies lah that have good management and stuff and they have like an competitive advantage, so you monthly you monthly monthly you put in money so it doesn't matter whether the market goes up or goes down so your performance would still be


uh no it depends on the company lor, like all the high growth company tech tech sectors ah they are very expensive lah


, so you might ya you must have a lot of money but, there's a lot of like barely, oh ya ya that's the thing [orh] so you must have you must have something going on for you lah like


means ya you must have like your what's that salary


ya that's why that's why so, ya but to be honest you know the, , ya lah must invest monthly lah I don't to be honest I've been trying to like time the market lah cause I've been like since, , I've been reducing all kinds of, like how to say like


I've been how to say like keep trying to see like when the markets will crash like keep monitoring the, monitoring the news then like the economy climate seems very bleak lah but, you know the stock market is based on human emotions right is not based on the economy so like the prices don't reflect the economy at all so like the prices cause


, you know because now right it's like when how to say like people have gotten low key smarter with their money I will stay lah like you know one of the steed, and do you know right you got see the news or not the robin hood is a broker lah the sign-ups for robin hood will hit a record high this year you know


it hit like five times more than the lot amount of sign-ups last year, okay I wouldn't say I wouldn't say I wouldn't say educated lah it's just that you know american citizens they


receive a lot of stimulus checks right, so so they throw inside the stock market lah, because what else can they do you know, that's why the that's one reason why the market is very overvalue at the moment lah like a lot of people are jumping in on all the


nah man dude options dude no man you start with basic investing first lah no actually this should to be the way, okay honestly right


you need the time to research on your companies but after you invest right you don't need the time already cause , that's the purpose of investing in stocks what, it's to how to say you are you don't you don't need to have the time to keep monitoring the the stock price cause you know that cause you know that in the long run it's supposed to go up


because the companies you I selected it's supposed to be very, they are solid companies with good fundamentals lah with little or no debt and good management and they have a how to say competitive, they have a very like competitive economic mode


so like other people can't really like competitive advantage lah so not many people can like steal their business or some stuff lor, so ya, ya or rock solid lah


yes yes correct, ya so it's like you need the time you you need the time to research up on all these companies and the, you need the time to research on all these companies and how to say like you need the time to analyse their balance sheet and stuff lah


but, after that after you decide to invest in them right you don't need to really, because you already know that they solid companies I mean by right you should know so it's like, you don't need to like keep monitoring the market lah, but options it's like !walao! damn stress leh


but you can't predict where the price is you can't predict where the price is going to go for options what


ya but you you don't know whether


ya lah but you also don't know where the price is headed towards what, !aiya! best is invest in ETFs lah


E ETF is the one that's very like very chill lah you don't need to do any research or anything in my opinion lah, like and then you you just dollar cost into average into the ETF every month, you grow up in the long run lah


basically you put in money every month lah, you don't try to time the market, ya so, so you don't like how to say you wait for the crash or something like some stuff lah like you every month no matter where where the stock market is headed right you just put like


a fixed sum of money inside the market lah, you don't sell that's the thing you because investing it's like uh honestly right when we invest right we should have the mindset of


holding for the next ten to twenty years you know, we don't sell honestly if you selling you are like, akin to a day trader what, or like a trader lah cause only traders go for the buy-and-sell in like short durations of time what


ya lah I mean must let compound interest do its magic you know


I mean stocks are more straightforward lah in the sense you know how options work right okay I, , okay I give you an example actually right there's a there's a way to like earn money through options like through sell puts lah so like for example like, basically right okay let okay actually right but you must use sell puts to


to buy solid like, you must do the contract with like very good companies, like you know that companies you confirm go up that kind of thing you know


no it it, it depends on the, it depends on the sector though, I mean tourism F&B airlines all these they are like, they are like down in the dumps lah but I'll say the tech sector is


, but the tech sector is going strong like my opinion, a lot of people are like buying lah at the moment so it's like, what will you do the market the prices are like really


reasonable price point right, so how what's your, what's your retirement plan like how you're going to approach this, life, ya like what you are going to do are you going to are you going to just buy like


investment-linked policies or like, use your CPF or are you going to do investments or


how it how does it work again


you are using your CPF money is it


wait so the returns will be in cash or what


ya that's true that's true but now it's early eh I mean we should use like our, honestly we can afford to take on risk lah I think the CPF investment would be more suitable, for those who are like in their forties older people ya I mean come on lah we are we are young we must let our youth like


be put to best use you know, I feel you do all these like safe instruments now right I mean I'm not going to lie lah they are safe lah but , I mean what's the return it's like what two percent three percent I think max is three percent lah I mean in my opinion there's no point lah unless your capital is large


no cause yesterday meet me and my friend you know I went supper right me and my friend were talking about, actually there's a way also there's another way real estate so like there's a way to like, local singapore right people will rush to buy BTO right, you shouldn't you shouldn't do that actually, we should buy EC executive condo right okay the catch is that you spend at least twelve to fifteen years repaying the condo


I mean it's a huge commitment but the thing is right cause it's a condo it's not HDB so we are not like, bounded to the government


but HDB they won't have much capital appreciation also but condo right we can have the cash flow, because, after we pay off the first condo finish right we can take out a mortgage on the second condo then we rent the condo then it will become a passive income, ya so we are


ya then you just rinse and repeat we can't do that for HDB that's the thing, ya that's that's why that's how all the wealthy people are you know that kind of thing [orh]


negative experiences okay can let's go, okay what's your what's your negative experience you have faced


!wah! why you see that as the negative experience


ya ya I know I know ya


what the heck how do you survive


ya I can't imagine leh, do you like how do you do it your like that I will want to do it


oh ya ya you wear the slipper what you wear the ya


ya man it's damn frustrating eh serious I get you I get you


like the four months you wait, the four months you train for like what for like for nothing like that, then you you train every day all this


[orh] !wow!


ya everyone got it I get you I get what you mean also lah this could it really change a lot you also don't know when you'll recover and stuff also right, like I don't know eh I feel like refocusing my priorities also eh


life I mean but then again it's the only thing we know what you know what I mean


if like if you if you drop it what are we supposed to do for life now that kind of thing


sometimes like I don't know why am I even still continue to be I mean I still get it a lot lah you you also got to see my story and stuff, like I don't know lah like, ya I didn't it's not just like uh how to say like uh


what's the point you know it's more like the people also ah I mean okay lah maybe the people ah we playing with, prior to the people I play with yesterday right yesterday was a good experience shit I never share but never mind later I share with you, but anyways, like cause I told you about my cousin issues and stuff what because honestly that the only reason I play with them is because


like I cut off [orh], no cause in secondary school I used to have this, boss squad lah but then they are all like the, they're all like a party type of people lah ya honestly they aren't a, ya ya they aren't like the very good experience they aren't very good influence sorry


ya so like , I remember this guy he, he, stole my money and he ran away lah, ya like a lot of stuff lah happened so it's like I never really talk to all these people anymore already lah ya they are really damn I mean even though they may be


nice to play basketball with right I mean what needs to be done needs to be done what, ya so I cut off their friendship and all this lah cause, they are really toxic lah, ya as in lah even though I enjoyed all the parties they hosted and, stuff ya I mean they are the the


ya it's like it's like the ya it's a typical ya like the typical jocks lah like, very very superficial very shallow like only care about money drinks girls that kind of thing ah, ya so like I mean in secondary school you don't know any better what you are like what fifteen sixteen then like you just want to be the man you know


, ya you just you just want to be a cool kid in school that kind of thing ah, but after that I realise, I I have to reshuffle my whole squad lah, so I I I reshuffle my entire friends circle after JC lah


ya I mean even during JC I was like reshuffling already but then not as much lah, in JC I in JC I hung out more with like justin there previously I hung out a lot, with school people in JC lah compared to outside people


ya but for actually to be honest right just as in for me my friendships don't come from the fact that we are in the same school or what are we you look at me I hardly went to school eh I can still maintain so many, solid friendships, in from NJ which is actually to be honest I'm damn, proud of it now eh now that I think of it cause I see so many people every day go to school every day show their face


every day study but then in the end what no friends, like really they don't keep in contact with anyone eh well not say anyone only like what two or three that kind of thing then even then it's like they meet uh what once or every two months that kind of thing


for me I got quite a lot I'm not even kidding bro, ya ya that's true that's true I mean okay given that I'm in NJ for six years okay I'm expected to have more but then, dude I hardly went to school eh so it's like I don't have much opportunities, to talk to people as compared to


you guys leh, so when people ask me how you know this person how you know like they actually ask me how you know this person how you know that person !wah! you talk to this person ah how you talk to they ask them eh, cause, I'm hardly in school that's the thing, ya so it's like


okay let continue on continue on to my story I cut off my toxic friends circle lah, so but then again I don't have any now I don't have anyone to play basketball with what, so I shuffled I shuffled until in the end I ended up with my cousin's squad lah, which has fifty people five ya actually more than that lah but


ya ya ya, ya ya that guy that guy [orh] you know him ah okay actually everybody knows him lah, , but ya like then , playing with him [orh] I'm not going to lie quite toxic lah serious


already started in malaysia is it or what


I mean it's just their reflection I mean it's just how they see himself lor, I mean, to be honest I don't know much about sports school curriculum also so it's like maybe they seem like they got more time to like relax I don't know I have to be honest I don't know lah


no wonder lah they keep doing all this nonsense, actually I ask you what you got actually down there right anybody got look down on you in your life, or not like can be anything lah like be it in your


looks or abilities or like whatever you know


[orh] I mean people look down on me all the time lah serious, I mean they just say [orh], ya as in be my body cause I I'm skinnier than usual what, like even until today I get flaks for it lah like hit the gym so like I don't know lah I've been


as it to be honest to be honest I used to be very, like don't care about my body one like I don't really care one but now it's like, I don't know like eh you know like how to say as, , as like guys our age right there's this toxic masculinity right


actually to be honest it's hard to be a guy in this world now I'm not going to lie bro


you are here you are there to work out ah you know


we have this competitive mindset we always want to be the best you know that kind of thing you always want to be the alpha what, no not, I mean but it's more prevalent among guys cause like from a evolutionary point of view right we guys are the one that need to like out alpha other males right to provide for the female what


to provide food on the table that kind of thing ya so it's like , it's a trait that is like ingrained in us lah but, for me it's like I real chill one like to be honest I like to lift I'm the kind that I like to lift other people up with me I'm not the kind to like bring other people down to, step over them to go up


but then I realise like uh a lot of people especially in uni lah like, they are very toxic lah like, you will you must look a certain way if not like they will shun you that kind of thing one, like you're very skinny then like they will just I don't know lah they will snigger and stuff lah then in basketball also like whenever I play is like


people don't see me like take it seriously lah cause like, then they'll just say !wah! you're you are too small to play this game man you should get out that kind of thing, ya ya it's quite it's damn Sian lah honestly, ya I mean that's why I was like always want to like quit basketball cause like


, it doesn't align with the values I believe in like at least the people whom I have encountered so far lah, ya that's the thing [orh] that's why that's why I'm bit, I'm a bit how to say my humanity my faith in humanity like a bit, , meh at the moment lah


[orh] okay okay like very strong lah muscular lah I get I get what you mean


ya the side of the things are you know oh you know yesterday I was reading this uh you know NTU confessions right so there was this no no I've nothing to do lah so like you know, a girl posted this story of she was chosen for nor hall pageantry, cause she was like better looking than average but then her body was not deemed to be as of


the standard lah like she was a bit thick you know thick she was thicker than a normal girl, so the the hall people you know what they do or not they force her to go on diet, I'm not even kidding to be in the pageantry then like in the end she didn't have anything to do with it lah she like think it's too toxic man ya then I'm like in the end I'm just like what the heck that I just read the confession is damn long later later I send you


but how does it how does it work though is it like you all compare yourselves or what, I mean because we guys are not really we don't really care what so how is it what like you girls are more like sensitive for what


but then again everybody is different what in their body like they are like, how to say there are like big girls there are small girls there are every size of people, , basically there are people of all shapes and sizes what, so where would this where does this insecurity stem from, like in my case it's like


for males it's like after a certain age you're expected to be muscular, then, it coupled with the fact that they openly what criticise me [orh] due to my body , then like ya lah I get this insecurity lah but, for how does it work for you girls


I mean it doesn't in the end it doesn't matter how you look like you just need to be confident in the way you look like you know, but, I don't I don't I don't know why they are not confident lah, okay lah I mean I think the comparison in girls' school it's more like prevalent lah


I I mean I don't know much but I would like to think so right, okay lah nice flags lah


eh oh eh don't don't talk about it dude I I'm I'm PTSD eh, !wah! she she I heard she relapsed or some stuff something right


positive experiences, I never clap eh okay, positive experiences, okay can !wah!


I see this already I very like grateful for life eh because I don't usually I don't usually talk about positive experiences ah lah lah I keep like how to say like talk about talking about stuff to be like improved on lah be it like myself or like by like this


by this like country or like on other people or what lah so it's like, feels good to talk about positive experiences for a change lah, so, what the past week or in your past month you got like be happy or not due to like anything that happen


I know the I know the who got treat you right a lot, ya eh or is it you treat him for his birthday uh (hmm)


can can be it ya ya that's why that's why, oh my god ya I agree with you dude


ya that's one thing I'm thankful for cause like I've also like been like cause, I was I was, close to a lot of people like in secondary school lah but then like how to say in the end like I don't even talk to them anymore you know, if I'm closer to like JC people, which I'm quite surprised lah but


same school right get that group lah, ya dude you now my like a lot of my friends I know them like in JC like twenty seventeen you know


the candidates I know last year only eh, ya that's the thing that's why it's like


actually I think I know why cause like it's like as people grow older right they don't want to waste time on like meaningless relationships lah so it's like, to be honest if they like for example, if you meet somebody whom you think you can click with right you actually give it a go right you are willing to give it a chance cause like you don't want to waste it you know


ya ya you are going to put in effort because like last time when we are young we got like many friend you got many people to talk to so it's like we won't put in as much as effort as you put it now lah like last time do you last time I used to be really like aloof with my interactions with other other people lah like I didn't care much lah like I don't care whether I offend people or what I just I just like just say only you know


!wah! cut off family so brave, but, ya man I mean , okay never mind never mind that one is negative already can fly away, , I mean I get get we coming from like the family cause


cause like I got issues my cousin also then got got people message me in my on my Instagram do uh, after all he's family then I'm just like bro okay lor okay lor you you say you say until like that what you want me to do it you know


ya that's why like I heard some okay never mind we don't talk about negative stuff here ah, what do I want I want to travel eh I really can't wait serious, even do you think the malaysia border open ah


I mean that's only for essential what, I think, leisure ya for like leisure lah, , I oh my god I think it'll be like after august next year is it you that's rather long eh


!wah! you ask sia dude I


have you heard of there are how to say like there are what's that have you heard of black people who are trying to like kill themselves it's damn sad leh ya, no like the migrant workers, ya it's like quite saddening lah to be honest


you're talking I like how you automatically talk about negative stuff lah


okay never mind okay actually right let me tell you something okay ah if you feel like, really profound impact on like my life right I will say actually I'm not going to lie lah it will be like experiences that happen in NS lah like last year you know what, you know I post on your my like my story the other time you know like I was giving like a


how to say like a tribute lah, , ya then like to be honest cause last year even though my cause I was in Kranji what for like eight like eight nine months so it's like, to be honest even though it was like eight to five right it wasn't really eight to five honestly cause


two two, okay so like even though like it was eight to five wasn't really eight to five in a sense where my superior was like he was like, a man from hell I'm not even kidding, like he'll if he feel wanted to let us go home at eight right he'll let us go home at eight that kind of thing you know


so there's no fixed time of going home so every time right when the clock is going to strike five I'll be very nervous bro like or actually you feel very can I go home in time today that kind of thing


he's very he's ya he's very authoritative lah he don't care one cause he himself very stressed out lah, so like how to say like it's a very bitter it was an overall very, bitter experience for me lah cause I didn't really have much like friends like in there also


so like I was very I was honestly very depressed in there like each day right I'll actually to be honest I'll I'll cry one leh I'm not even kidding in camp ya so it's like , I was feeling very down lah but then !wah! these two people really and I'll talk about these two people right my Instagram they really help me a lot eh like


they keep like, ya ya okay this this sergeant lah like he when I wanted to like cause I remember I was feeling a bit, dizzy and faint right he carry me to the carry he carry me to see the doctor you know, then he ya then this then he helped to talk to my superior also like cause


that time I was taking like a lot of medicines lah, then my superior want cause camp two he wanted to he wanted me to, carry stuff eh like carry tables and chairs from camp two to camp three eh, , do you know how far that is or not it's like a two it's like what two to three KM walk you know carrying stuff


ya he's he's very sadistic lah then , coupled with the fact that he sent me like, how to say I can't go home in time cause like, honestly I was only looking forward to like going out with that time I was going out with #hui min# a lot lah so I was actually going out I was looking forward to going out with her a lot lah like after camp but imagine it's like you don't know what time is supposed to go home what time your release


ya, ya so it's like imagine you go in each day without knowing what time you're going to come out that's like, quite stressful lah in my opinion, ya then like coupled with, his how to say micromanaging, err


mindset right honestly my life in there was like quite horrible lah but, honestly I I don't know lah these two people they keep like talking to me they keep like, instilling in me like this, positive mindset lah I would say


like, honestly they'll go out of their out of their way to help me one like I'm not even kidding whenever I feel very, , I can't take it anymore that kind of thing like I needed to really get out of the camp lah then, they'll really like ya


ya that's the thing like, I think without them ah I really wouldn't have survived there I'm not even kidding bro, like, ya they are they are really like they're like Shan there they are really really nice people eh, no serious man, then like if I want to carry stuff or anything they will help me they'll just shoulder the load like they will just take my stuff never mind never mind you go rest you go rest


eh same eh same eh mine also ya


no way no way !woo! shit


oh really ah dude actually same lah my army also second ya is the !wow! is the best okay to be honest I'm not even doing army but, but, but ya lah why why second year is the best dude like, really lah my ma'ams also they are very understanding they are very kind also now like they won't really like


they only like scold you if you like, if you're ya if you don't do anything like, I don't know how there's this one guy who , he claims he has a lot of problems lah but he keeps like reporting sick and stuff lah which is like I don't know why lah, like he ya he keeps oversleeping then like I feel I feel bad for the ma'ams because like


he really giving them a lot of trouble cause they are really damn nice, , ya as in I don't really feel like taking MC also cause like they are really genuinely damn nice like if I got anything out I can just text my ma'am then like a few minutes you like you can like take time off lah that kind of thing you know


ya that's, then if I get scolded by like other people who are like not my ma'ams right, cause I have to I have to liaise with a lot of people cause I'm like the finance person so I have to get a lot of like approvals and stuff from the on-top management lah


ya so like if I don't do properly or like okay if it's not my fault or some for some stuff right, then my ma'ams cover for me lah, ya they are they are really understanding cause like in Kranji they won't do that for you one like you have to you are fend to you are left to fend for yourself


ya ya eh oh my god I agree with you two ya it's either you it's you have a good, epic time or like you are like in the how to say you are in the ya that's that's me lah basically for me it's like two extreme ends I never have like a


normal experience you know ya I never had in-between for me it's either like very good or very bad lah in my opinion lah, okay lah but outside of army , like I look I'm more like


grateful to the, especially in this pandemic right, honestly I'm very grateful to it my social circle lah because for me it's like, I have people who might want who whom I can talk to about anything like for example I got a group of friends who I can talk to about let's say investing finance


that I can talk to, I can talk to uh the girls my girl friends about like relationship that kind of thing, that I can talk to like these people about let's say real estate then I can talk to like my basketball for like sports and like basketball stuff you know


is there ya that's the thing, but to be honest I I've been having like a lot of like intellectual okay not intellectual lah but I've been having like uh okay lah intellectual lah if you want to put it that way then, but ya lah I mean like


something that would better enrich both parties' lives lah, ya so, ya personal growth so honestly I have, honestly you know they say look at your friends and I'll show you who I'll tell you who you are right


birds birds of the same feather flock together bro, ya so honestly I'm very like , thankful I would thankful for my friends are good lah but then again this kind of thing right it's like, you just need to start with one friend it will slowly snowball one


because people like if you as long as you elevate yourself right people of your kind will try to find you what, because the people of the same type were like how to say prefer to hang together what so if you are like, how to say like something like your brother who was not doing shit right, then the people of the same you know like situation will hang together what


ya that's the thing that's why I'm very !wah!, ya that's the thing I mean secondary school we don't know any better what


I mean I explore a lot already lah in secondary school so , , I I only know what where am I where I want to, be in like the next five years or ten years you know or not five years lah five years I finish uni only, so ten left ten years lah ten fifteen years lor


to be honest right honestly right every meal I have right is the best I treat it such, no really really serious you know like for example like now right, I place so much emphasis on food like I'm not working so like whenever my mother, cook stuff okay I mean no offence to her lah but whenever my mother cook stuff that I don't like right I just won't eat I'll go out to eat I'll just straight tell her straight in the face like I'm not eating your food today cause I don't like it I mean


come on lah life is too short lah life is too short to waste eating, trash food , no I tell her already then she keep saying oh no no no this is healthy must eat then I'm like what what you want me to do with it ah


ya so it's like honestly really I want to be honest every meal I eat right, I'll eat what I want to eat I don't care already like I don't care whether it's like okay lah I don't care whether it's healthy or what lah like, when I whenever I, whenever like I want let's say I want to like supper yesterday but I want to eat cheese prata I'll go and eat cheese prata you know that kind of thing


for me okay lah for me exercise eh honestly I love exercise eh I mean it's damn it's damn underrated serious, ya dude it's like oxytocin lah, the ya, ya correct dude !wah! really is ah if not for basketball ah I don't know what we'll be doing honestly


part one financial related topic, you want to go first Joseph


yeah I know


sure so for me investment to mean to me is like basically, okay for me I thought I thought investing is gambling cause I thought !wah! investing you put money in the in the stock market you will like confirm lose money, but then actually I had a friend who actually invested you know like, then I read


I have friend who actually invested then from from what I hear right he is like doing quite well, he's only like, I think twenty about our age ah about twenty years old, and currently he's like he already has his own car he is like future all self for him already ace every month he is making passive income of like probably five figures


so like like !wah! I talk to myself this is the life I want to live, then like so basically I every I certain reading lah I reading uh more on investing like how, then read more on investing then like it occurred to me that, usually rich people invest and rich people invest right because basically they are like multiplying their money every


like multiplying their money quite often lah it kind of that, then it occurred to me why can't I invest also, then even with like small capital right I decided why not just try lah small small capital no no harm mah, I mean if I lose just lose that much only so, what side to lose so then I just decided to okay I invest like okay uh probably like hundred every month or so


just for my own savings lah and see how it goes, at first I thought it was also gambling whereas actually investing is nothing like gambling investing is about putting in the time and effort to like read up into the companies and like into different markets to understand like oh how can I mitigate these risks and like how why should I buy into this company and not this company instead


is all about making sure that the company has financial has sound financial statements and like sound has a sound fundamental like uh what we call that fundamental management management lah in in order to ensure that they are able to like, go in the future and not just like, like just become suddenly bankrupt when you put in all your money to it


that's why it's like investing is totally different from gambling and like it's quite a I would say it's a very interesting tool to like, probably grow your money if you are really to put your time and effort lah


okay so for me right I feel why not have both lah like , (ugh) majority of it you put it yourself then whatever like those you don't want to lose right you give to someone else ah then you okay ignore it a best way you give them half half then you see which which shall does better, then at the end of one year ah you see is the performance of you or the performance of financial adviser is better lah then at report you know !wah! that's mean ah


I basically more more capable than a financial adviser then basically just take your money and invest in yourself lah, but this kind of thing hard to say lah is it all depends on all depends on experience ah, yeah


got I tell you yeah savings okay I I tell you what ah savings bonds right don't don't buy ah singapore saving bonds no buy lah , you know the interest the interest rate every every okay cause technically a bond right is when the times are tough right then government needs to borrow money from people lah then more money from people that means the interest rate higher lah


but somehow somewhere right you see interest rate during this period uh !wah! like , at most one point, seven to like maybe one point nine percent over ten years leh !wah! is like , worse than all the bank the the so called saving plans ya honestly, then also right


the savings bond right is also like okay the money is guaranteed lah but then like, you basically you cannot touch that okay, I think you can ah but every six months then only they like so will give you your payout so you take out before that I know there's a penalty but it's like basically you you don't earn you don't earn anything if you take out in the six months


the savings bond lah basically is like you must you know, honestly you feel that ya lah, I see I see


isn't on that you said the just now you said the you very fully trust a financial adviser right, then why not you go with rover advisers yeah, you know you you know what's that or not


[orh] so okay have you heard of this company called StashAway, so really ah , yeah I agreed, yeah, invest with robot adviser is like you basically put your money into this like so called


oh hold on ah no they put your money into this so called uh, custodian account ah then basically from there right they will you will tell how much is it how much risk you will to take how long you want to like put it in for, then you say oh for example there are supposed to be goals ah like you want to retire by how how old


then how much you want to get every month, or finally save for some wedding or something lah, so then for example you will say you put like ten years ah you want to in ten years you want to save up save fifty K something then they will tell you how much you need to put in then like and then at your risk or how that's mean your risk and such then you will see like oh if you are mistaken right probably you put in like probably one K every month for ten years then you probably get around fifty K lah something like that


uh no right, for me I just stash away I go max max risks, cause why not then risky uh I, I have I take a thirty percent risk lah, that means right totally what that means right basically any part of time I could lose thirty percent of what I put in or any to part of time I could make thirty percent of what I put in lah


yeah, and basically you don't need to do anything on it, don't do anything you just put your money then they may they do everything for you so you just basically put in money hands off then you just go and do whatever shit you want to do, but the only only downside is that they charge you like probably what, uh few cents every month ah for I put in like few hundred it's charged me like I think less than fifty cents uh so that's it is quite okay ah actually for how much I'm getting in return uh is like legit nothing one just put in and then


ah take take money only, I think I have put in about roughly, because it is for for such a way right uh such a way they got


they got their investing one and they got their so called like savings plan lah, their saving plan is uh, uh one point eight percent, I think it's guaranteed or not guaranteed I think not guaranteed but one one point nine percent ah but then basically has no charges for that one point nine percent so you put in right, you put in finite amount of money you can take out any time


and then it's uh one point nine percent per annum, so that's considered not bad lah so I just put in like, uh put in like uh one quarter into that then the rest into investing lor so what it does, quite okay lah I think about fifty dollars each from like just doing nothing lah so quite okay yeah


, alright I need to tell you trust such a way right has no minimum amount, so I started with one dollar , ten dollar then I put in more I put in quite uh I want to try try mah


yeah try try try it like okay I put in more put in more put in more then then now I think about one K is in the investing side lah so fifth fifty dollars I said it's a quite decent eh for just for do not do anything


you sure or not you sure or not, !wah! definitely ah


but I mean this kind of thing it depends on whether you are like so called active or passive lah so from from what I hear about yours quite eh passive lor like you everything you all like on, all give to the not my not my problem ah all give to the whoever go and settle lah pretty much


yeah, I see I see


ah, I mean if you're starting right investing right I recommend you like, know like go and study a company first and like just


okay you know I recommend you do paper trading, so basically, paper trading so let say it means just trading with fake money lah, then you see how you ya lah cause a lot of this brokerage accounts right they have like, this virtual account really let you go and trade with lah


then if you are, ya lah so basically is real time data but with fake money lah, so then if you see how your performance is lor


ya, no no no no no is is actual real time currency like real real time data lah it's not like, it's not like real it's not like, so called like virtual market yeah them is actual market yup fake money only


so like if you ya lah so, I went for a lot of seminars they all say like oh you want to start trading right you better play in this kind of shit first and before you actually go into the before you actually go into the real like money lah, but( ppo) I mean virtual obviously you go virtual you won't feel the kick lah you won't feel the loss you won't feel the heart pain you won't feel the excitement lah


but for, but for the actual thing right you will, you will question every buy and sell order that you put in lah you but you before the move you press buy right you will think, is this, this is confirm what I going to do I got to make like, is this trade guarantee or like is it


like do I have a very high percentage that I will make money from this trade I will think like that lah, if you just suddenly go in and buy and randomly sell right you about lose money one, this kind of thing you need some prior knowledge first before and some, research lah you cannot just anyhow buy and sell company expect to make money


okay


eason then you eh you you never do any investing by yourself meh or like you never go and try meh


then okay then this is very interesting questions ah if for imagine if you got suddenly one million what will you do ah how how would you invest, eventually will you dare invest the money or not


you you don't know that financial advisers when they help you manage your funds their so called what you call that ah management fees and everything right it's crazy you know like uh it's insane


quick cash, one million ah I mean honestly this one of this one of thing I will probably like


okay I'll probably invest seventy percent, seventy percent then I will okay it depends ah six point one million right one million you already can get like uh what you call that uh hedge street fund manager not fund manager fund manager, so one fund uh fund manager basically they can like help you manage like is strictly just for your funds only yeah


so that means it's just for your funds that means ya that means they solely focused on managing to your funds and are not anybody else's one, so it's mean, basically like that guy he's putting all his funds just to manage your money is quite Shiok lah honestly, but but then again it comes the question of how experience is the guy managing your money lah


eh but then you should if you, if you were scared of that just go for the ETF oh cause ETF like you just buy, it's like buying a lot of companies and like you know that that you know I don't think it have to be five hundred yeah lah basically you buy a lot of companies into one's one's stock oh the buy a lot of companies into one fund


basically you can buy a lot of companies straight away just via by what purchase only uh so is just quite good lah, yeah yeah yeah quite cool lah


part three negative experiences, me ah, !wah!, !wah! what do I begin sia my negative experiences I got a lot


ha (hmm), you you will tell me something I should share lah I got a lot of negative experiences to share to, okay lah I think in secondary school there is always the sayings good cause everyone is like kinda


it what we call that ah super superficial lah like everyone sees you for who you are not who you are but like, as like physically lah like you see oh you will see this is very buff guy !wah! you think like !wah! he is so handsome that kind of thing then we see someone face is like !wah!, not no any attractive that kind of thing is like kinda then this kind of thing cause I don't know and you are young kid all the parents thought that oh having a young like is about fat


kid or like a fat baby is like a very good thing lah while he actually goes to primary school and secondary school right that's when he actually start to feel the pain you know like the stereotype that cause he is fat right there is a lot of things that he can't do or like he is like down downgraded lah in a sense, whereas like it's kinda like


sad lah to see how like, singapore society for like secondary school and primary school it's like that or it's like super looks these and I'm not even worried about character lah, but yeah yes, I mean there's not much you can do when it's like all the people in when most of


when there is no one to like actually guide the so called young kids nowadays lah cause everyone's parents all have different standards for them ya


you know in secondary school right there was, always this like for, for me right my so called go to escape from reality was gaming cause like, it real life in secondary school there's like nothing you can look forward to so like, the only so called escape from reality is actually like video games are for me so then there's like


so that's basically my whole like real life was shit but then my so called video game life is like my only like so called life I want to enjoy !sia! cause like, the secondary school everyone like makes fun of you for no reason just because you're just because of how you look down that kind of thing so it's like kind of


ha yeah, yeah


got,


and then for mine is like, okay ah I, I experience the passing of one of my, okay my dad's my dad's dead lah so I single parent ah, so at that time I was like super young, so then I saw everybody crying around me then I was like, you know I was unable to feel how they felt because I was like I didn't even know this person then I saw everybody crying like


I was kind of lost like what is going on that kind of thing cause you were too young to understand the like to read the room lah to like see oh what's going on that kind of thing, so when you're like, it's very hard to feel, like you know, sad for someone that you never actually properly knew lah even though


he even though you you by heart knew that he was someone, close to you but he was, like you just unable to feel lah cause you weren't close with that person uh then, then it's like really hard to like express how you feel so like I mean that's kinda , and it's kinda like in a in a way negative ah because like you can't really


feel how other's feel that kind of thing then also like, I still remember it I think it was in secondary school ah, okay because basically I was, so called, missed accused or something I didn't do, and it was quite bad ah


yes I just said it was quite quite bad then, it was it went out for quite a while, because of that right I lost quite a quite a lot of friends because of this so called accusation, then from there I was like I was start basically I used to have uh a group of friends to go home with everyday from secondary school


you know because of that right cause of that incident right or that, of that of that statement right, I lost all of them so I basically for a whole month or so right I went home alone, it's like, and you know that these people you go out you will like go home with while like quite close to you but then because because of this right they like suddenly like


just because of someone of some of your friends say say something about you you lost everything that kind of thing it's like


ya lah recently I say one of the more okay lah this kind of thing okay there's this feeling right, I appreciate you also can relate lah like, okay I really know you can relate but you know the very first few times you get rejected you know, !wah! it really hurts you know really hurts


(ppl )there's nothing that hurts more than than, than your first few initial rejections cause it's like, you really thought like oh she's the one that kind of thing then end up when you actually go for it right, then the, ya lah the the best part is they don't actually like say it straight to your face you know is that they


try the sweet like curve it here and there is to make it like sugar coated lah to make it sound nicer, but this time you know it's like it's like a straight up no that kind of thing, ya


sure sure you do , then you may do what's your greatest fears yeah


mine ah, honestly I got my greatest fear is legit like uh, actually I don't really know eh when it comes to like this type of greatest thing right I think my greatest fear is not knowing like, my strengths and weaknesses ah as weird it sounds like I actually don't even know what is why afraid of it


that's that's that's the thing you know, cause you're, cause like, okay lah one of the few things that I I fear out I will guess is say is like, ya lah fear of relation lah, ya lah or like just like, I fear of like things can things going wrong wrong cause I'm a kind of guy who like oh if things like


if things don't go my way is like, it's like kinda cause when you plan for something then like something unexpected happens, and not in not in the good way kind of things like the is the the bad kind of way you know then like, you like shit what should I do that kind of thing, so I will kind of like


stuck there lah like you haven't thought it out then you are like lost forward that kind of thing you like too, lost, to like seriously go and think about what what I should do next that kind of thing, yeah


ya that's why , what's the worst thing you witness and kept quiet about yourself, what's the worst thing you witness and kept quiet about


okay lah let's just say eh I went out to drink before lah I drive out to drink then let's just say there was a, so called fight lah in the sense and, that fight it was my very first time to go out to drink that's that's the worst part think go out to to drink and I witness a fight


and, that fight was kinda, intense ah, I was like the so called, third party the thing lah I wasn't involved in near lor, so I was just down there witnessing the thing, cause you know if you take part that will means that means you are basically like helping one of them and then against the other already so