ah since they are not real, cash ah ah prepare, and uh actually you there's a lot of like uh those app store right a lot of this kind of stocks app ah


download the app and then look at it lor, yeah but I know like, thus usually if you wanna earn a lot and then like less risky one right like it's a bank but I know that bank because it's like such it's like less less risk but also like high


return is kind something ah something like that , that's why bank right one share will be higher that like charge higher lah the costs will be higher than other other than other, companies yeah that's why no


yeah , actually how I are you saving now, yeah do you do you like work out a plan


uh yeah yeah that's a yeah that's a good thing about that lah actually I try to calculate like imagine one day you eat five dollars


I mean if they give us lunch right, if we go out eat ourselves let's say one meal is like five dollars so five dollar times twenty two days right there will be extra like hundred dollar plus ah, like, I mean you save a you save hundred dollar plus so


I mean <mandarin>我们:wo men</mandarin> like the, actual amount of salary we are earning right is the base salary plus hundred dollar plus ten, yeah it's not okay lah not that bad


yeah actually I trying trying to save now cause like recently I read a post right like, how there's there's this kind of like thumb of rule lah like fifty percent, you use, fifty okay you allocate fifty percent of your salary right


to what you uh what you need then, twenty percent is our saving to your saving and then, then, thirty percent is, what you want, so three categories oh so at least you won't overspend


or some yeah, yeah actually I uh past few day I started like


creating a google sheet, and then like try, to yeah excel try, yeah, try to like keep track how much I spent then like I should like save and yeah save accordingly and spend accordingly not overspend yeah


yeah like uh yeah, then cause, like for transportation ah food this kind right, it's like very hard to I mean, more <mandarin>麻烦:ma fan</mandarin> ah more lazy to go into the excel sheet and then you key every time you you like


spend so, yeah that's why I want to like download an app just like specifically for transport and food then after that at the end of the month I accumulate everything and then put it inside excel sheet, yeah


actually I was talk


penalty or anything eh, oh, cause I was I think last week or last last week I was talking to joanna then after that, like, I thought credit card is a bad thing but the way she say right sounds like a good thing


better that's why, like at the end of month yeah cause like credit card I feel it's a black hole then you can just spend at wherever you want cause like


there's you, can't really see the money being spent only until at the end of the month ah, yeah so if you like spend a lot already then you will receive the statement at the end of, month then like a bit too late ah already I spend so much already you have to find some way to pay, right yeah they were saying like


for credit card right you can have rebates ah, like something like cashback so it's, I uh big amount yeah I think joanna tell me like credit card is like I don't know who tell me like use for big amount like housing or like car furnitures sofa yeah


you also must see what kind credit like which company credit card ah there are many types ah, like, most common I see adults always use citibank


can consider when we are like older yeah, have one debit card now right, so, like I think one debit one credit is okay like not that much some adult like have


two three or four five yeah credit card, I only have one debit card I don't have credit I think credit, must be at least twenty one years old then you can apply yeah, then my, yeah but cause my debit card started like eighteen or nineteen or something yeah so


so, just continue from there lah I didn't sign up for a credit card yeah, can apply you can tell me ah let me know also


, yeah no, , this kind I have a lot know how but like, savings those kind I need more yeah like how to save how to earn more how to earn more my


yeah actually I was, I mean unless got incentive lah, then I, I I don't mind ah but, sometimes is, good to hear this kind of thing like once in a while ah so like make you think and like plan out like how much you should really save and


yeah like know what you are actually what do you need to buy in future, uh yeah, cause now currently I think what we're thinking is like very very basic very simple we didn't think that far also


have that huge sum of money in your CPF ah


is it is it insurance stuff on


there will be interest uh cash bonus then uh yeah, then it will, like at the end of an age then they will give you like a, lump sum of money ah yeah like some, people cause their CPF a lot of money right so they no need


a lot of money in their ordinary account because ordinary account the percentage of the interest rate percentage only two point five percent but for medi shield, and special account, I think these two <mandarin>他们:ta men</mandarin> the percentage is like four percent higher interest rate ah so


yeah they like some people they will shift their money from the ordinary account right to the, higher interest rate, account which is the special and uh special and uh medi save ah yeah yeah to earn more money ah to yeah cause higher interest rate


yeah, yeah they don't want to cover your hospital bill ah yeah


but it's like a gamble [lor] to buy


so I believe there's a lot of event that made you very angry because of, that Kupa right you want to you can say again yeah


, yeah what happen


they have to endure lah have to like yeah passive aggressive ah yeah they always like to say use that


yeah that's like then you were, yeah, you will be held responsibility lah if one of the mister frosty


misting missing yeah, but did you tell him that you are actually busy today, I mean like just that at that time


like he why he can't do it himself


ya lah how like how cheryl always make me angry lah like many many events ah during your internship period ah


yeah because I never talk to her like now lah never interact with her lah but last time like, , initially she still ask me to do like some of her stuff ah like do buffer exchange


like it's part of her stuff then I don't know why like what what is she busy in like why she can't do it herself then she ask me like am I free then can help her do buffer exchange and all that okay lah since I'm free then I just close one eye and help her do ah yeah but I just like how you don't get uh Kuba I also don't get her lah like


but, actually buffer exchange sometimes is very fast, but, sometimes she say until it's like such a very, long and tedious process like take hours to finish it lah but, sometime, if that antibodies that that buffer is cooperative in a sense right it's actually going down quite fast lah like maybe within one hour you can finish it already


ya lor then after that like, !aiya! last time, yeah I'll say again like


during like the internship like I already reminded her that like whatever she, used or like she use finish then must throw or like keep it somewhere or like put it somewhere lah like, I don't think, until today right I don't think lah she register that in her mind cause level two oh every time the tip boxes use finish right they always stacks like into towers you know I think is cheryl who did it eh like she use finish already she don't go and


put it like inside their box then later bring into level five to like give uncle Ofa to refill the tips eh but just, like, stack it on the table and then like what what is she actually try to stack like a tower tower of buildings leh yeah, then it's like very


it's like very <mandarin>占位:zhan wei ah very #jor deng# ah like level two you see the table how cramp is it how like packed it like no space to even do your work already eh then she still like stack those, tip boxes empty tip boxes there for what leh, no use ah


yeah then like the dustbin also I like those small dustbin, like, they she will always like throw all the paper towels ah squeeze all the glove ah she don't want like squeeze until very full at that those small dustbin, by has the bin and then she like I don't know why she can't clear that bin


like, of empty then people can use ah then she just like to squeeze until like filled the brim


yeah she only care about herself, yeah, very self-centre then she she always don't want to take responsibility oh did I tell you something like there was, the VPE machine solar VPE that measures the concentration of the antibodies right very accurately so that time chermaine and debbie right wanted to ask her to help them measure that sample


yeah then after that, she was busy at that time so only she and Hidayah know how to use the machine and, because Hidayah uh attend to that training session but then cheryl, I


don't know whether she got attend but then she keeps using the machine after that lah so she and Hidayah will know how to operate that machine then that time, debbie and since cheryl inside production in a way like but cause bionetics haven't come out yet what then uh chermaine and debbie asked her like can help them to measure this sample using solar VPE and then she say right she very busy cannot help them to can ask Hidayah or not


like maybe, as as a more professional person then like, in a bad like she can phrase her sentence better in a sense that oh she can say yeah yeah do you need now but then, she's, she like immediately reject without even thinking eh like say no she's busy now


cannot help them do can ask another person which is Hidayah to do or not like she shouldn't, do like ah like she should say like she's busy now like can help you, do maybe after lunch or something ah yeah not like push the thing to somebody else, then, such that she no need to do anymore ah like no need to help them


like don't want to help other people lah and then another time yeah the solar VPE I VPE machine right I think have problem, and then


because that machine they ship it from, america I think US actually from US so, the contact number on that machine right it's a US number, but usually, this kind of machine like there's a trainer or like uh contract uh engineer that comes down it's should be in singapore right singapore what like located in singapore so there should be a singapore number but then I don't know why she didn't think of that then after that right she thought must call that us uh US number then


she told chermaine this that chermaine the VPE machine got problem eh can you call this number because if I call oh need to charge money eh, then like see what like, you don't want to you don't want to call this number because it will charge your phone bill and you need to pay money but what about another person


yeah that's, then she can okay if she don't want to pay the the phone bill right she can ask michelle what ask michelle whether got singapore number or like use the company phone to call what but why does she pushed this calling like responsibility to another person who is actually not using this machine or like don't really know how to use the machine or what where is a problem like the


what what problem is she facing what it's cheryl that is facing a problem so she should she should call the person and then like explain the problem like describe what what is she facing and then yeah so that the uh engineer that company person can help her to solve the issue what


if she ask chermaine to call then chermaine don't even know what is happening then how does she describe that issues, cause like seriously I don't know what she's thinking ah, yeah


yeah because I no need to like talk to her and then like deal with all her shit ah, that cheryl and that cuba ah


oh fire yeah uh I'm scared of cockroach and


so you need a guy , but so fly random flying things like, bees, warps those kinds


housefly those kind, are you scared ah, oh okay yeah but I'm scared of yeah cockroach and lizards ah yeah oh yeah scared of beetles


do you have any phobias


like scared of heights scared of, uh quest claustrophobic is it is it what you call the very cramped, I think I I think, I have eh claustrophobic I cannot stand like very small places like small spaces I feel very suffocated


lift still okay something, where I, can't really move like I think MRI machine those kind where you have to be like very still and then, I never


try before but I see a picture and then like people like one of the disadvantage of MRI right it's, because , if people have claustrophobic right they will feel very very uh <mandarin>辛苦:xin ku</mandarin> ah very yeah, very suffocated right


yeah and then they would, they couldn't take the MRI so yeah yeah like that kind of space very small then yeah I think I cannot stand it also ah


oh like anti-social ah are you


then you have to make new, yeah, , but I think your this fear right is not only you experience that I think it's quite common like like many people also experience that like I also like don't know really


like to, like make new meet new people and talk have to like talk to them those kind ah yeah


like stab your back ah yeah I mean I also don't like that lah yeah but, if people don't talk to me right I feel lonely in a sense but then I also like don't know how to


talk to people ah yeah I don't know what topic to bring needed to talk on ah yeah, I think you can talk about anything


currently actually she's quite, I think she's still very nice to us, yeah basic courtesy ah


actually sometimes yeah, and ralph ah I think she still talks to ralph sometimes yeah


and, telling how about the betty thing ah, oh yeah I think nothing to talk about then quiet [loh] if not I think is like just talking about work stuff [loh] yeah like betty that kind that that thing ah


yeah I know some people don't like to talk about work stuff but to me is, to me still okay lah can ah, those kind just sharing session okay [loh]


oh then I'll just just don't listen lor I mean I just one year in one year our ah I mean it doesn't really it doesn't involve, you what right I mean it's those topics that yeah involve the big bosses


ya lah like you cannot like you can't really eat loudly or munch loudly that kind, yeah


try to try to contain hold the laughter in uh yeah , actually to be honest I don't like people like saying that I look like sixteen years old like like, just uh, not not now I mean if I'm thirty years old and people say I look young then yeah forty years old people say I look young yeah go ahead I feel happier about it but


now like, I don't want to look like a secondary school kid or poly school kid I want to look like how I'm supposed to look at my age ah, uh yeah I will slowly slowly change yeah yeah, but it's a, do it properly I think it's okay lah you look like twenty twenty five that kind


twenty twenty-five to twenty-nine eh, yeah just like how yesterday I took the Grab, then that uncle asked me am I a secondary school student cause I look very young then I'm, like I got look so young meh like, why is it like everybody is telling me that I look like a like a a kid like a student ah yeah


yeah it's like ah internally like I am like again this don't know to treat this as a compliment or like, a bad thing ah yeah


yeah good and bad lor, oh yeah but oh yeah there's something like there's, a bad thing, that I witness before and then I keep quiet about it, I mean after, that I keep thinking thinking thinking that I should actually have stand up for the person


yeah regret ah so there was one like on a bus ride mah to, to the MRT station then , there was this like a bit mentally disabled girl lah with her mom that boarded a bus and then that girl like was playing with some soft toy and soft bears ah so I think she's very attracted to this kind of like soft toy key chains then after that just nice she was sitting at those like


seats that, you know those like priority seats right she was sitting there then after that when the bus goes to the next stop right so there was this student that board the bus and then there was this teddy bear key chain on her back and then that


that, a bit mentally disabled girl right, she saw that teddy bear and then she just like, reach out her hand right and then just pull that teddy bear key chain off that student back eh then that student was like damn shocked like that ah, what, is pulling her and then like that teddy bear broke just broke off then


after that like that, mentally disabled girl like ask her like can you please give me that teddy bear then then after that her mum right instead of saying like no don't do this don't do this she asked that girl can or not please eh, then I'm like there yeah that


every, like then other people was also looking at at them ah this commotion ah then I was I was also looking eh then cause I was sitting just beside that mentally disabled girl right then I was like, I I really feel the urge like saying telling that that student right that victim right like don't be afraid ah like if you don't want to give that bear right just say no it's okay cause technically who is wrong is that that that mentally disabled girl lah like she shouldn't


like, suddenly like so sudden it's very sudden out of nowhere she just pull and break that bear then, after that like , yeah yeah I should say no and stuff ah return that bear but their parent didn't ah and just like ask that girl please give her can or not


yeah I mean the victim will feel very


(ppc) yeah (ppc), so okay one thing I look forward the most when this pandemic ends right is travelling like ah yes I want to travel overseas


where do you want to travel, yeah sia I think


yeah I think you probably have to go for all these COVID testing and get your vaccination yeah, yeah then and I think yeah, ah jason ah


yeah uh oh yeah


, yeah but different people like


experience different thing when getting swabbed ah some people they say like they tear then some people say they feel like vomiting yeah then some ya lor some feel like yeah vomiting those kind ah


and then michelle described their swabbing process like imagine that one is like those bottle scrubber yeah, that one is like very Chu like that, thick eh and like very hard leh that, bristle but the swab they do for you it's like soft and like thinner yeah I saw the video


youtube video then cause my brother also went for the swab test, yeah so, ah my brother also yeah cause he had some sore throat then after that he went then after that said if you have sore throat fever those kind then like confirm will need to do swab one yeah


but it's not as, uh yeah of course five days quarantine lah and then you cannot actually, you, during your quarantine right and then waiting for the test result right you when the test result is out right you cannot go to the


like clinic or like polyclinic to get the test result you have to ask someone on behalf of you to go and get it eh, yeah it's like very troublesome ah and then you can't take public transport you have to take like grab or something eh, taxi but what about those yeah yeah


if you that's why, yeah that's why there're oh I think they was saying like you are supposed to wear masks at all times at home also, yeah and then you don't try to minimize contact oh like best stay inside the room


yeah yeah so oh yeah back to the travelling thing , like yeah we were saying, cause during lunch right joanna like was also saying like very bored in singapore ah want to travel overseas ah cause usually she will travel like once a year


then now this year she can't travel mah then like yeah we were saying that if want travel maybe have to wait until next year or like the vaccination is out ah then we must maybe most likely we need to get vaccination in singapore and also like the other country yeah the other country also must have the vaccination


if don't have vaccination maybe not under control also quite risky ah, yeah but I think if the vaccination is available maybe no need fourteen days


yeah but what country you want to go, (mmhmm)


is it korean taiwan and japan it's all nearby, I think japan seven hundred plus korea six hundred plus, yeah air ticket right


yeah (uh huh), then I think it will be like damn quiet


like without three of us, !huh!, !aiya! actually her her voice, is very loud eh then yeah


I think oh she's also another joanna I don't think she can go hungry like yeah accompany yeah her


uh actually any country also, okay yeah because, I mean I don't get to travel a lot so like, any new country I I don't mind of course


like that like more developed ah or developing countries lah not like less developed like india those kind, lah, yeah but, I mean, africa those kind is quite a very like uh unique country to go to where you can like see the animal


and yeah grass land those kind korea, I don't mind also cause like of the food and then shopping experience ah japan also the, food yeah and then uh, taiwan also yeah taiwan bubble tea all the street street food yeah


and then I think yes and then shopping also lah I think they got a lot of stuff to buy like there also, yeah and then actually I also want to travel to those #ang moh# country yeah like europe those kind


honeymoon ah honeymoon yeah, ah , yeah it's very an uh very expensive ah travelling to such country,


yeah exercising ,


yeah it's very troublesome to wear mask and then yeah check in check out, yeah same a lot a lot of time, yeah


like uh last month right I went junction eight, then, when you enter the mall you check in, so there, there are two route that you can choose one is to go NTUC uh cold storage which is at the basement ah another one is go to the other floors of the shopping mall so I went to the NTUC and cold storage first suddenly I shop shop and buy my stuff already then I want to go to the other floors of mall right


I cannot use, like I cannot find the escalator to go to other malls I have to like come out of the shopping mall check out okay I don't need check out but then when I want to enter into the another lane for the other malls right the person ask me to, check in show the check in thing then I no choice I have to check in again then like enter the route to the other


other floors of the mall right and then like yeah do my shopping and stuff and then have to check in lah those, individual store, yeah it's like damn troublesome ah, also must do a lot of check in check out


oh, yeah it's like all restricted access ah, then ya lor meeting friends lor cause some of my one of my friends like, her parents is like


yes very strict lah because like scared that, if her if my friend like, touch wood lah have COVID or something because like contracted from outside meeting people right then like bring home then after that like affect all the family members then very Jialat lah yeah


uh got go go uh you know, jen right yeah she's the one ah her mom like, bus, oh yeah her mom quite strict ah like cause actually when the phase two came right then after that like they say can gather or something right but restricted people lah then after that like we were saying like want to meet at someone's


house or like go out for ah go out for lunch one day or dinner but then her mum don't allow because just started phase two and still quite risky, yeah but, then, but then going out to buy something is quite fast right then like having lunch and then chit chatting which


, yeah but , yeah, right I don't know but she quite she quite <mandarin>乖:guai</mandarin> lah she won't like


defy like, her mum's, ya lor like I mean <mandarin>不好:bu hao</mandarin> ah if you like, somehow you, like spread the virus to your family member then yeah it's very troublesome then cannot work also all the income like stops


in some way


but during COVID we are working what, not really entire,


yeah at least we have at least we have something to do and then yeah, cause yeah, true ya lor yeah that's why like some people they use zoom to like exercise together use zoom like eat together


kind kind's like, , a very different experience ah, it's still better yeah still better to meet real life I I still feel that ah yeah, yeah so,


like need to open up the app you have to open the computer to connect and then zoom very laggy also eh, if want to watch like a video or movie together with your friends right you can't, do that, really on zoom ah cause like it will lag, yeah


very hard yeah, but some people yeah but some people right have their wedding through Zoom eh like those crash gate right through Zoom yeah


!huh! really so cute sia , , yeah it's , but I think they cannot postpone the thing ah cause, like imagine you already arrange everything plan everything then all your sister all these yeah


not really do you have anything to share with me can like remind remind me or something


oh okay how much was the, yeah


maybe you can send me the link later oh yeah this yeah this reminds me of the #dim sum# buffet I had, skate the korean barbecue that one, the I'm Kimlee that that one right yeah I think it's closed eh


I think that one is closed, currently yeah but yeah this remind me of the #dim sum# buffet I had last, sunday or last last sunday, yeah cause like my dad's birthday ah so I treated the family like #dim sum# buffet at


farrer park ah yeah a chinese restaurant !huh!, yeah farrer park got this chinese restaurant but is quite Ulu ah is quite, is, hidden behind like buildings ah it's a bit hard to find that place then like we were walking around


here and there then trying to find the place but, yeah thank god like god I saw the signage ah then after that I I I went yeah went to have that buffet thing then, not bad cause it's, free flow over in a sense like you but you must have a huge big appetite ah then can eat every single thing ah but except for their


that one only once a week, but other, than that you can like keep on order it, oh no no one serving for one table, yeah, uh half a peking duck


then there's this I think eggs eggs, skin or something ah then with the sauce and cucumber then you wrap your own self a bit like hands on one person was twenty dollar eighty cents plus plus, yeah oh


half a peking duck and one <mandarin>一笼的那个小笼包:yi long de na ge xiao long bao</mandarin> yeah, then uh the like #char so# uh #char siew bao# then those got custard bun, then uh


yeah those like steam like chicken feet ah chicken wings those kind yeah, , eh yeah not bad ah yeah can try then try, then got those #siew mai# yeah #siew mai# #har kow# those kind and fried dumpling yeah those standard


#dim sum# yeah, but the thing is right, they I think they earn their money through drinks cause that buffet right don't include drinks and then you have to if you want like a pot of tea right that one is like, I can't remember how much ah I think, eleven dollar I think eleven dollar one pot of tea or something


yeah refillable, yeah, no no no for one table somehow cause for one table you order a pot of tea right then that pot of tea I think it's like eleven dollar plus or something ah, yeah then you can refill lah


yeah, but that one is expensive right like a pot of tea eleven dollar plus I think they earn from, there oh yeah but it's okay ah not bad ah really eat until you quite full ah cannot finish it ah yeah I like uh there's only it's only for lunch slash brunch yeah cause there are three timing one timing is uh eleven thirty


ten, ten thirty ah two hours ten thirty ten, ten to ten ten, ten eleven twelve ten to twelve thirty another one is I think one to three, then three to six or something, eh three to, four to six I think there's another timing yeah


yeah then like eat a eat a lot order a lot yeah they


yeah yeah , , should have yeah but, I cannot like, she don't really talk to me anymore ah cheryl like yeah


actually I don't really make eye contact with her anymore I just like pretend I didn't, yeah, yeah if not like okay I don't really talk to her but she still talk to trudy, oh because wherever I saw her right is like I'm already on the inside the bus then after that she like faster faster board the bus then


yeah, ya lor yeah but when Hidayah like try to mimic people ah like Kruba those kind yeah also laugh very hard ah yeah that's, the thing about yeah , ,


yeah , and then yeah, when he, yeah when he laugh he always cry one, those somehow Hidayah laugh until he cry Hidayah yeah got a few time I saw like he laugh then he always cry ah laugh until he cry I don't know why


(ppl) yeah, (mm) (ppl), yeah (ppl) kay [ah] yeah, (mm)


part one financial related topic, , I was just wondering how did you actually invest I mean what did you do did you just put it in a bank or


yeah , eh fixed deposit is also for bank


I know your starting amount must be quite high like Maybank or something like, I can't remember but I know that that one I tried to because the the interest was quite high then when I saw that like how much you must put inside then


super a lot, yeah, , actually I would actually right I'm actually very lazy so I usually just put my bank but then I mean recently my auntie helped me to you know buy shares


so I just I mean I don't know how to buy so I just put a sum there then she will just play with it lah she will buy and sell I mean next time maybe it's better for me to learn lah but, ah stock but then you don't buy those well don't buy those like uh


risky ones in a sense at least buy those that will give you the is it annually they'll give you, some returns ah but actually I don't know how to go about it lor ah


, actually I don't see the returns that much because you know sometimes it's like a few dollars or few hundred dollars but then according to them they say that is higher I mean maybe a higher than putting it in the bank


no lah a few hundred ya lah,


my dad also say that invest in buying a flat and then rent it out


but the main problem is buying it what


I also know of some people buying is it gold bar or something, then in the future cause it won't it won't depreciate or something so in the future then you go and sell it


, yeah I think that is also like I think what we say like some people also can use it to, buy stuff


start a family no I mean those things they say like invest, ah fixed deposit I think like people also can use it to buy their new car or something or house, because I don't I don't believe in just leaving in a bank and then waiting for your salary to come because you also need to buy whatever you need what


oh yeah there's these savings insurance also but I always scope their call like I think sometimes for students also they have it's like you they ask you to


put in that means give them certain uh money they will accumulate accumulate accumulate then I think when you hit a certain certain age then they will give you part of it


ya [loh] , actually she is also quite blur then my cousin say just go and read


but I don't know like yeah maybe, then sometimes when they say this company and that company I also don't even know which company they talking about what I actually rarely read


reads reads company


SRX


Sotongs will decide how to invest their money , true


oh that means you buy everything from that app


oh it's for you to prepare to buy stocks and oh


well and then according to that right like if you want to save money, I'm saving ah because our our company sponsor food lah


uh yeah yeah actually I was actually if they give me the remainder it's actually okay


actually maybe next time I should like log or or write a log like what do I, spend on and how much do I spend because I usually don't do that so I don't know it's just like on a whim like that if I want to buy this eh oh


!huh! excel eh actually it works eh actually I should do that


!wah! but luckily ah luckily right, luckily I don't own credit card also


, but actually right actually that one is worth it leh cause my auntie also said that if you apply sometimes they got all this promotion when you apply, then you get free this free that but you don't maybe you don't really use then you just cancel it


don't have what usually if you want, yeah sometimes they say it's a good thing and then sometimes they say that it's necessary then I'm thinking myself but I think debit card is


better for me lah cause I can feel the burn like, I don't need to like accumulate accumulate accumulate then after that I pay one shot yeah


I think maybe okay lah you don't always use your credit card oh so only, when when there's this rebate thing yeah


!aiya! but that one cannot confirm cannot use debit card what because you can't swipe yeah oh yeah


yeah and I also see a lot of Bank of China because I heard my auntie say got a lot of promotion, uh, but then right I don't believe in having so many cards and then you don't use then after that I forget to cancel what if I forget to cancel


let's see ah maybe next time if got very like good good


freebie Lobang maybe maybe it will change my mind, I think you got more Lobang than me ,


but savings even though if it's really Lobang right I usually don't entertain their call, cause every time they say that, oh we will like to discuss can we meet somewhere I'm so lazy to even meet people to discuss


yeah I mean for now because it's like I just want my money I don't even like I don't even need CPF I mean for me I don't know for you cause I don't intend to buy a house anytime soon I don't need CPF I don't need anything can you just give me the full pay


full salary instead of you deducting my salary and putting inside there I mean yeah uh I see my parents also say that I mean in the future is very good lah your CPF and all this thing but then to me is like, for now I will just like


the entire sum and then to be put directly in my bank account ,


oh there's another one I think my my mum did like every year she pay then after that at the end of don't know how many, years they just give you the whole the whole sum back plus insurance ah I don't know what's that call


is it insurance I think it's insurance but I don't know what kind it's like she pay for many many years then it will accumulate then they also have interest then after that when you hit a certain age or is it like don't know how many years already you started paying then they'll just give you back every thing plus the interest


I also do know to save like hospital bills I know my dad like buys insurance for us cause when you are still young and healthy then yeah I should buy because if you are sick I think the insurance, company also don't want to like sponsor you yeah


but I mean like a bit Sian [lah] it's like you healthy then you pay pay pay pay but then I mean in case you are sick [loh]


angry oh yeah, today I wanted to slap him actually like, it's so supposed to be angry and you are supposed to be annoyed but then in front of people when you're working you just cannot


like show show you're angry lah I mean you're not a boss right you're just like under them so you just end up laughing and smiling, and like okay


I mean but okay I can close one eye because they will still help you I mean in times of need he still helps you, but it's just some times that is quite irritating ah like to ya lor like, today when he asked me to can you help me uh


put the cells I need the mister frosty can you help me put the cells in liquid nitrogen and then I was doing you know the other things other prep already, yeah then I said oh you need it now now now then he was like yeah I need now then I was like oh okay can I put yours in minus eighty first then when I have time then I put inside oh no my cells are very sensitive can you put it now then I say oh okay now then after that


he was like oh down there I see a empty one which is another department one you can just take it and then put propanol inside I'm like uh no, to me I'm thinking as well if I take I mean maybe for yours okay you all take but then I very scared that I take then someone need then who take it


so I'm thinking myself you want you want to pass it to me yeah so I'm okay lor, ya lor but I really don't know why he cannot own self go and put inside


okay lah I mean I can pause what I'm doing it's not say I can still finish by six in a sense you know


he was busy freezing cells but he could have done it before that I mean I mean I really don't understand how they think lah, yeah you know lah him and then sometimes you know that cheryl also like that


you know I mean but so far now when you work under I mean when you started working it's okay is it


I mean but the difference within she and uh Cuba at least Cuba like even though he ask you this kind of thing right but when you ask him for help or like oh can you help me do these can you help me do this he will still say okay lah then he'll help you do lah, but for her is a bit


know


you can also ask them like do you need it now


but I realised that she only does her own work like she doesn't help people do


, use the company's number lah ,


oh well but I think your life is slightly better now compared to, yeah but so far all those people else all those other people you're working with okay lah


actually [orh] besides that right you know ah I very scared of like flying cockroach lah


lizard not so bad but I'm scared of all those like random things that fly ah, so that's why I don't know how am I gonna like have my own house I need someone to help me catch all the nonsense !huh! what if he more scared


bees okay not oh wasps wasps yeah because they look very ugly bee at least not not so ugly lah but I mean if it sting you then very pain


ah beetles ya lah uh, as in like I'm it's not say scared I find it very disgusting is like when you smash it right the shell is so hard then sometimes doesn't even smash, yeah


oh not really do you


as in can you what's the give example of what's small let's say what do you consider small like lift


oh but oh maybe my phobia is not say like your phobia like this kind of claustrophobic kind think my phobia is mainly I don't know whether you can consider as phobia but


it's like, phobia to like, be in a new environment, and meet new like new environment and meet new people


I very scared of people like you know like for example before we, oh shit I'm so doomed like I don't even know a single one like down there but then I heard that oh okay another like student coming okay not so bad lah not so bad like same same level okay lah but then to me it's like can you imagine like I start working in another company


I have this like phobia is like I don't want to start like I can't wait to start but I don't want to start because I don't want to see a lot of people's face


ah I mean for me right it's like even if you totally ignore me right I'm fine you just don't Sabo me can


already I mean my thinking is like that it's like, if no one talk to me it's okay anything but you just don't Sabo me and like go and spread something then I'm fine lah


I mean like for example ah actually depends lah like some people can talk about anything but you know like, no can you see like sometimes kumara's face a bit scary


like you don't know what to say like if you say like maybe she angry or not or something that kind of face ah yeah , but you don't know when you're going to cross that that line


ah oh she said this I'm very nice to everyone except for cheryl that one is called polite I'm just being polite


but she also don't really talk much what they maybe to Hidayah only ah, yeah but sometimes at the pantry she and ralph also very quiet,


oh yeah, yeah oh I don't like to talk about work stuff leh I mean unless I'm really desperate


I mean ya lah, but you know sometimes like those <mandarin>大老板:da lao ban</mandarin> go there and discuss stuff then I really cannot


it's just that I feel very uncomfortable sitting , , because it's so silent sometimes it's so silent it's like Sian, , oh but I remember that time then I mean made me laugh inwardly not outwardly is like that time where you know michelle keep teasing


was it us or us then she oh said some coconut thing, and then she say that what we all look like uh how can I uh ask you to drink with me right when you all look like, sixteen year old only you know this this <mandarin>大老板:da lao ban</mandarin> this jerome was sitting there you know I can see him like laughing inwardly he was like


, suppressed his laughter I'm like oh shit , I mean to me I'm happy lah like oh okay thank you lah I look very young lah but ,


that's why you wanted to curl your hair or something right, that one you really look very old


that's why they can never get our age right one lah,


good lah it's a good thing in a sense that because you can make more mistakes nah


oh usually I'm also like that then it's like I just regret like after that


I mean even if you are mentally disabled right I think the parents should just stop them also [lah] you can't yeah


part two positive experience ,


oh yes oh no actually I don't know when it will stop I don't even think that next year it will it will be lifted, eh can you imagine that okay even though the travelling is lifted but they're still scared right maybe right I mean my dad was saying maybe they will ask you like oh before you set foot in this country uh show me your negative COVID test report


oh, oh yeah oh yeah I was talking to who ah what what's his name ah I keep forgetting his name, ah jason just now he was talking about getting swabbed


and then I say that no lah he say his mother then he say it's quite painful then he say that uh when he was talking about, you know if someone here gets uh COVID then all of us will be quarantined at home then I said that no the main issue here is I will get swabbed I keep on emphasizing the fact I will get swabbed swabbing is painful then he was like


you are very bad eh everyone thinks about their family and everything but you only think about getting swabbed then I'm like yeah so painful


bottle scrubber


oh is it you saw before, !huh! oh so what did he say


but I find it quite stupid cause you quarantine at home then after that uh, your family also there then what if you are positive then your family also Kena what cause


overseas also yeah


but if they still hold their their fourteen days thing right I don't think anyone will travel overseas cause you use up your leave already


if I got all the money in the world is it, korea I just wanna eat korean food uh maybe one two days can already then I go japan one week then after that I go taiwan to eat taiwanese food one two days


can already because all nearby ah so


eh actually right I just realise eh that for example right we are all in a different department eh so ah if we if we even if we want to travel together I think it's also okay eh


true yeah I'm mean thinking about it cause I was thinking three of us right we all all different department, uh you take leave everyone will say uh the three idiots okay take leave already ,


no eh it's only her that she she's making a lot of noise is only trudy making a lot of noise what but I don't know how she can concentrate doing work and doing that


but she always seem to always end like twelve o'clock, to eat, yeah and she she need people to accompany her one cause she keep waiting waiting waiting just now then I'm like oh okay oh side track a bit just now right


when my one was cause I was the last person to go out I think two plus nearly three then the auntie was like I got a feeling that it was you uh this one because when I saw the the china, lady the hand like that like that it means I know it's you already yeah so where do you want to go after


oh yeah that one is heaven junk food


I don't think I have the chance in my entire life because going back to the savings going back to the savings I don't think I have enough ,


okay lah you find a rich uh guy maybe yeah , but I mean besides travelling right I really look forward to like you know like even in singapore right you go shopping right you don't need to check in check out and then don't need to wear mask that one is the one that as yeah that one is actually deterring me from getting out of my house


and the safe entries like can you imagine you go into one shopping centre you safe entry then you go in one shop another safe entry you come out then you check out then you go into another one again


oh that sounds like me in Bugis junction, yeah, and then like I think certain entrance will lead you to certain certain floors that means if you wanna go the connection here you must take this escalator here


and then the usual way that I always go like coming out from the MRT right is, you know the usual way that I usually enter it's usually the MRT I don't usually enter from the outside so it's like very <mandarin>麻烦:ma fan</mandarin> like very hard ah


yeah


, so up to now haven't go out yet she can't go out ah


!huh! really oh oh I heard you and her talking about the bus what cannot take bus or something,


but what if she say something like I'm going out to buy something


you can go to her house there then you all have lunch nearby, then you just pretend lah like eh,


so coincidental I saw you


actually because of this COVID right then we always get stuck at home right you know it's like !huh! not good, I mean ya lah I also feel that way I feel very like suffocated and then yeah !huh!


ah yeah you know I was very actually very thankful for that because like yeah I'm actually very thankful that we're we were going out to work during that COVID thing I mean ah you know everyone were rejoicing like, oh !hey! you can stay at home uh better to work from home all this thing but to me right before that right I just realised that staying at home right will make me even more depressed everyone is at


home and then like cannot do this cannot do that so you end up fighting also cause it's like always at home, so I'm thinking that's why !wah! thankfully man like half a day I'm out , yeah as in I don't want to work but I don't want to stay at home if must stay I want to stay at home but I I'm very bored at home


, ya lor even on the


true yeah I'm very lazy to meet people over Zoom, whenever they saying can we zoom uh no


oh yeah I saw I saw this yeah then some of them use the there's this switch what animal crossing to get married or to propose to someone yeah I I saw it on Facebook from somewhere


but then actually quite cool ah but they cannot wait meh maybe it's a experience over Zoom, but restaurant confirm cannot what uh


do you have any fond memory since since we were stuck at home, fond memory ah don't have eh


but then oh the best meal I've ever had right was like, you know the Tteokbokki Tteokbokki buffet the korean one, as in like carbo overload lah but then is like different different segments like Tteokbokki then rice then noodle


yeah Dokki Dokki DOKKI, and it's not that expensive also eighteen dollar, oh yeah sure


no the best one is the SCAPE the SCAPE uh the korean one the one that I show you last time like what I'm Kim yeah I mean it's not that fantastic but I think it's okay


!huh! there is there is ah farrer park,


oh , once a week per person oh that means they give you the whole peking duck


eh not bad eh for peking duck and everything


oh but the rest is just normal #dim sum#


okay eh eh later after this you better send it to me sounds seems not bad


!huh! wait what twenty dollar but is refillable oh okay lah for oh wait per person no


oh okay lah not bad ah


oh then dinner don't need eat ah


okay eh should be four to six then you eat light then after that you four to six then , , , oh yeah you know I saw this very interesting thing you know when we laugh too hard I think is when uh Hidayah make fun of someone


no he made fun of the that cheryl and then you also ah you're like , yeah she doesn't like when I see her on the bus also she just ignore me last time she will like eh but now she don't


yeah I mean like if we have to then okay lah but if not, but last time on the bus stop she will still smile but now she doesn't smile


I think it's only him when when he imitates Cuba and cheryl then I will laugh super hard


, okay ah fabian one also I will laugh


[oh] well (uh) nice thing for post-COVID (ppl) laughter


okay, financial related topic part one part one financial related topic


okay maybe I can go first so what is my investment strategy , I try to buy more safe things, and, how do you plan your investment portfolio I usually I usually do some research do some googling read some financial reports


before I move into investing into, uh particular stocks but before that I think it's about, knowing your risk appetite and knowing how much you're willing to how much you are willing to invest so after you've come up with your own like


allocation of resources that you want then after that I would put my money into , different different types of asset classes so uh like bonds and stocks and and all that


so how long is my investment horizon usually about right now I'm thinking about about a few years ya, what about you


okay very cool so what is your risk appetite when it comes to investing and trading


go go for me it's I would say that my risk appetite is rather high right now because I still have a long, I have a long horizon ahead of me and I believe that if I invest a certain amount right now


uh it doesn't really matter whether the stock market goes up or down because in the long run it uh in the long run it always goes up anyway so I would say that right now my risk appetite is rather high because I think that it's a time whereby I'm able to spend my money and


I I'm able to put my money there for a longer period of time and so therefore with a longer, uh investment horizon then uh my risk appetite is a bit higher as well and also because I think I'm a generally quite a


a risk seeking person so, so ya that's uh that's one of the reasons why I'm also, a bit more willing to invest more when when it comes to investment and trading so ya


so next question do you do trading and what's your trading strategy, ya I think I think it's a it's a very interesting question ah cause


I don't really, believe in the whole idea of trading because trading itself entails a very, like, you're you're usually investing for the short run and then you are thinking of how you can maximise your how you can earn money through investing uh in a in a short period of time and that usually requires you to look at the financials of a company


do some do some valuation of the company, and at the end of the day you have to really trust in your own uh valuation of the company before you even, think of how you want to you wanna you wanna buy or you wanna you wanna short the market so


so ya I think that trading in general is is very is very risky because you're you yourself you might not, exactly know how to trade especially when uh fund managers themselves don't really perform very well relative to the market and and it's only the top few percents that that actually perform well when it comes to trading so I don't I don't really trade very much and


so I I would say I I'm more of a investor not really a not really a trader ya what about you


okay okay cool, for options I think the first thing that comes to my mind is something that's very like you can earn quick money right I think there's a lot of youtube commercials out there which allow


people to trade in options on phone apps and stuff like that but I I do think that options are a rather more complex form of, asset class so when it comes to, options they usually


you're usually having the option to to buy something at a particular price in the future so you you so I I don't really I don't really believe in in trading to begin with so in terms of


coming up with a proper valuation and price for a company at the moment for a short run, and then even having to expect that, you you you will be able to get that price at a certain time, like I think I think it's very complicated when it comes to like investing in options and I I do think that it's it's very risky when whenever people talk about options especially as a quick way of cash right because the thing about investing is that


usually people people end up losing losing more than they, than they earn and and it's not really it's not really a form of it shouldn't be a form of income, unless you are like so so professional and you've already done it your whole life and you enjoy looking at markets and and understanding the global economy if not I would I would usually advise away from uh investing in stuff such as like options ya what about you


ya about the stock market I definitely invest in the stock market I think that basically these are your public your public companies or your funds that you are able to buy on on the on trading platforms so


I think I think this refers to like a lot of things right when we talk about stock market you can buy, I mean even if you buy a ETF I , ya I mean that's also investing in the stock market, but but the second question about what do you look out when picking a stock


uh when I'm picking stocks, I I usually look out for the I usually look out for the ratios that I need to that I need to , be aware of such as like PE ratio or


or, equity to debt ratio and and stuff like that which enables me to uh at least understand how how that company is doing relative to, other companies and and I think it's very important to, compare this company itself to similar companies in the same industry right because uh we wouldn't be very fair to


do that for do you compare uh like a tech company to a, F and B company I mean that that's gonna be very different when you think about this kind of ratio so , so ya that's what I look out for what about you


(ppc) excuse me


ya I think that's true that's true , so the next question is about fundamental analysis and technical analysis so do I perform fundamental analysis and technical analysis in investing uh I am


I usually do more fundamental analysis when I'm looking at the company's financial reports and understanding what's driving their revenues what's causing things what's causing their cost to rise or, so understanding the revenue and cost drivers is is like uh one of the key things that I need to understand


before I can actually know what the business is about, because of uh sometimes it's not always obvious to how a company earns its money right so I usually look at ratios as well as I mentioned just now and, uh for technical analysis that's when I I'm ya I don't really do a lot of technical analysis like I I'm not very proficient with excel and learning how to value companies so right now not really but


but I'm I'm more of a person who looks at the company itself and and decides from from the ratios so, ya so that's my experience how about you


nice nice okay okay cool so the next question is what do you think of automating, your investment and invest passively, ya I think that's a very good question


I've been in I've been thinking about, uh robo-advisors because uh they automatically rebalance your portfolio according to the risk that you're willing to take, so I think it's always good because I think oftentimes we are too busy with our own things and and to rebalance your portfolio requires you to understand understand your current


but you have to calculate your own risk uh appetite and stuff like that before you think of how rebalance and, and when you're rebalancing it's quite it's quite tedious because you have to calculate things and then you have to go on and buy uh different stocks and if you have a lot of different asset classes then that's gonna be very time consuming right so so I think that it's really


good to automate your investment and and investing passively is definitely a way to go if you, if you want to have long term growth in the future ya what about you


I stop it now is it


oh part three negative experiences, okay


ya I think a time when I was forced to change plans against my will was when I was, thinking of going to eat at, uh this place near Bedok but then my friends wanted to eat at another place


near Sentosa so, , that was the time whereby I really felt like it was ya it was a change of plans and I didn't really want that because Sentosa is very far away from my place so but I think that ya you know life is about it's about give and take lah so


ya ya I think that ya that's a very valid thing so describe a moment when you felt like the world is against you so uh for me I think a time when I felt like that was when, I when I was trying to


when I was trying to do my exam and then that's when, uh I felt like I couldn't study very well and and that's when I felt like the whole world was against me because , you know sometimes life just doesn't go


as as well as you plan it to go right and and despite , despite putting in the effort like sometimes it's just not, ya it is not always ideal and and that's when we have to we have to learn how to accept things of that that we don't really like lah ya


[orh] ya, alright


ya lor , ya so ya describe a time when you were looked down by your friends or relatives I think, that's probably when I got my PSLE results uh it's very bad and


I think that's when I, , that's when I I had to even appeal into another school and, and I think at that point of time it was like as if, ya my grades were not good enough and


ya I think that was the time whereby I was really, uh looked down upon but I think that uh, ya as long as you look forward it's it's gonna be, all all good all good ya what about you


ya that's, okay , a time when I felt betrayed was when I did something and then, my friends kind of


like it was something that was meant to be very secretive but then, my friends said some uh they they basically leaked out the information and, I think that was that was a time whereby I felt very betrayed because I gave them my trust and and that's when you know the trust is broken so uh that that was definitely a time when I felt betrayed


but I think that ya ya, okay what about you


that's ya, ya if ya if I were to lose my life tomorrow I would tell my loved ones that I love them because


it's something that I seldom say to them and I think that it's always good to express how you feel to the people around you so that so that they they know lah you know, ya, what about you


that's good to hear, so describe a time when you felt like giving up uh maybe I can go first so a time that I felt like giving up was, definitely when I was


doing my exams and then very busy with all the different things so, that's when I that's when I realised that, you know uh, life is really not easy sometimes and you just have to you just have to uh grind through lah even even though you have a lot of different


things to juggle I think that at the end of the day it's, finding that motivation and and that purpose from within ya what about you


ya, ya I think one of the injustice of the world is that right now lah I mean, it's very sad how a lot of people


especially the least the least advantaged those people are the ones that are, suffering the most from COVID and even though people are trying to help them out but I think that, oftentimes we will only, go towards uh just doing the minimum that you can do to ensure these people are out of uh whatever suffering that they have so I think it's it's yeah it's very sad because these people


are people who, were born into it they didn't choose to they didn't choose to be there but I think that it's it's always , it's always very sad and not very fair when you see people who are


just born into that kind of situations ya


ya my most embarrassing moment oh okay sure


[orh] ya, so the next question is oh we are still talking about ya what's my most embarrassing moment I think it was when I was , very young when I was on a holiday that was when I


I accidentally pee on my pants when when I was , ya when I was very young and then, , my parents had to clean it up, ya so, ya that was quite embarrassing ya


I think for me when I was treated unfairly, definitely when I was, going for different interviews and


and stuff I think that there was a time whereby, I was rejected from my, interview even without without any reason and so I thought that was very


that was very unfair and, I spoke to the interviewers after that and, and reached out to them and and to talk to them about about their processes not being very fair, so ya what about you


ya that's true that's true, , so sorry to hear that ya so , ya let's move on to the next question so what dreams of yours die a little, with each passing day


if I were to just go first a dream of mine is to stay young, so I think each passing day, it's just by the nature of how time works, I'm getting older so that's something that


that's quite that's quite sad because my dreams of staying young, it, it literally, (um) you know it fades away, (um) as time passes by what about you


recording, part two positive experiences, alright okay sure


that's good that's good so a time when I was helped by someone, in my time of need was when I uh needed to ya I think it was during army also when I was ya we were all being uh tekan and and it's a very bad experience you know just doing


random random stuff like exercises and very strenuous things but I think a time when I was helped was when, ya a buddy of mine also encouraged, me and and during that time it was very it was comforting because we we knew that we were going through it together and it was a very new experience for for all of us so I think yeah that's how I was helped by someone in my time of need also


so what's the best meal you've ever had maybe, I I'll go first so (ppc), I think one of the, best meals that I've ever had would be a place in uh near my house so I I really like this place that sells western food


and and ya so it was I mean I think that a lot of times the, the best meals is about the the people right that you eat with so so I I I really enjoyed eating with my with my family and


because it's a a very meaningful time that we have together ya what about you


nice nice, ya I think so about the best surprise it was during my friend's birthday so uh a group of people and I we we prepared a cake for my friend


and then uh when my friend was coming out of the house then we we surprised uh my friend with a with a cake so it was a very it was a very nice surprise lah


ya and ya what about you


nice nice , very nice story , ya describe a time when, uh sorry uh when you can't wait to attend a special event or concert, ya so for myself


a time that I really couldn't wait to attend a event was my, my prize giving ceremony in JC ya because it was a it's a very nice event whereby we all came down after after booking our


and then uh ya we we were there talking to one another after a long time of not uh meeting one another and being able to , share the experience of receiving like prizes for the effort that you have I think that's a very meaningful event and ya what about you


nice nice, alright so a time that I laughed very hard was , uh recently when I was I said something really stupid and then I


realised that that I said something really stupid so uh my friend pointed it out and then uh ya we we all laughed very hard because it was a, it was a very funny it's a very funny


occasion that we had and I think that, ya sometimes you know you just say random things and I I think it's always good to have a have a good time or fun ya


alright sure sure


nice nice ya great to hear that I think a time when I, took a risk and was rewarded with success uh was when I was I think ya the whole, whole the whole idea of


coming to uni and, and choosing to stay in in in this uh course that I have uh was very ya I think it was rewarded with success cause, uh I think I think I've I'm learning a lot and I think it's it's always a risk right we are taking risk every day so


ya so I think a lot of times also, it's about the way that we the way that we feel success and, ya a lot of times it's about just, uh not necessarily being like super rich and


and stuff but just achieving what what you wanted to achieve in the first place, so, ya okay so, what makes you persevere , for me it's about, about constantly being aware of the reason why I'm doing something


I think that, oftentimes I'm I'm quite a I'm quite a lazy person so if if I don't need to do something I I I generally wouldn't do it, ah so , so having a clear reason for why I do thing I think that that really helps when it comes to


persevering in in things especially when it comes to something that's oftentimes hard too, understand why you're why you're doing something right like sometimes school itself also might seem, uh like like very long and very tedious and you you might question whether it's necessary but I think when you come to understand the reason why you're in school and and you you understand the the purpose behind it I think that really helps ya


nice nice okay, yeah I think in COVID I'm very grateful for the when the post COVID world I think we're still


we are still currently undergoing it still lah but what I'm very thankful about, is is like being able to spend time on my own and with my family because it's always nice to


take a break from the the hectic schedules of of life and and I think that it's always good to spend time with family because, I mean what's what's better than that right so I'm quite yeah I'm very thankful about that


and also just having the time to do the things that I enjoy and I think that despite it being a summer whereby it's quite trapping but at the same time I think it's yeah it's quite good it's quite good what about you


nice nice


okay


part one financial related topic


okay so the first question is uh what is your investment strategy how do you plan your investment portfolio and how long is your investment horizon, uh ya


okay, uh I don't really have an investment strategy cause I'm not very proficient in investing but I know a bit of the fundamentals and the basics and I've used uh personally I've used a few apps uh to


help, myself learn in the various way of investing and I feel that the best way, for me uh is to do more research and to know more about the few uh companies that I will be investing in before I really uh put my money in into them so that I will know my risk


and like the benefits I will get and stuff like that so it's a form of like uh research and to know that like that company is safe enough for and that I trust the company enough lah and how do I plan my investment portfolio


is (hmm) , like what I said uh through researching and knowing what are the companies which are really the few which I really trust, the most and like I will do a something like a ranking system so like if this doesn't work then I'll move on to the next one if that doesn't work then I'll move on to the next one and so on and so forth so uh but of course I will definitely start with the safest one and the most trustable one to me


so that I will not you know fall into any like uh hole or stuff like that lah so and how long is your investment horizon I would say as long as possible cause uh


it's really a very good uh kind of, like way of earning some income and I feel that it's really something which it's a type of skill which uh is beneficial in the near future too ah so how long I would say like at least in the next thirty to forty years


yup, my risk appetite probably uh I wouldn't take risk if that uh most of the time I will take a look at their trends the stock trends so uh I used to uh


research on FOREX a lot so I went to find out about the different uh trends in the FOREX and like comparing each of the trends I will know like, which will have a lower risk compared to the others which might have a higher risk so uh by observing the trends and stuff like that I think it would it would limit me to


the type of FOREX that I will be investing in, so it's a type of, like uh risk assessment like yup


(hmm) whether I do trading is (hmm) how about eric you go first let me give some thought into the question


okay understand for me uh if I were to, I haven't done any trading yet uh more of like uh investing is more of my uh, part of like what I've done so far uh but


my views on trading similarly to similar to yours uh but I feel that if I research on a company enough uh if I have enough confidence in it like what I've said just now about my investment strategy that I must trust and research and have confidence in the company to know whether the company


uh whether I would be able to put in my money to uh like buy part of their company ah and after that uh uh then I'll it will be I will, then after evaluate the whole company's like situation and stuff like that so but uh somehow I agree with you also that uh it's it's a very risky business uh it's a very risky uh action to take lah cause uh you won't know when it will


when the company will be doing well when it might not be doing well and stuff like that so trading uh it's really involves quite a huge risk in it and I don't think I'm ready to take up such a risk at this point of time yup


okay so uh next question would be have you invested in options before what is your options strategy


okay for me uh I've never invested in options before and uh I think it's a area which I can research more on as I'm not very proficient in knowing uh what


how does options work and stuff like that but I think all kinds of investment comes with a risk and also uh option has its own risks uh and, I think with enough research and knowing how it works like with proper evaluation of it probably someone could uh benefit from it uh definitely also like uh


what you said it's a risk which similarly to me I, wouldn't want to take currently right now cause there's too many, uh unknowns there's too many question marks within the options ah to me there's too many question marks in options like in investing in options lah so I don't think it's a very uh I don't think it's a area which I will be like going into anytime soon


ya, K so next uh do you invest in the stock market uh what do you look out for when picking a stock for investment


yup, yup for me uh I did invest in stock markets before but I no longer invest in it because of


some uh reasons uh however uh I think stock market is a really good way uh uh to invest uh to start off if you want to learn investment uh I think it's a, a rather safer way uh as compared to all the options that we were talking about just now about trading about your options and stuff like that if you have done enough research and enough uh and have known and evaluate enough uh on the different stocks that you uh


they investing on so , what do I look out for when picking a stock for investment , like what uh eric said lah was that, uh stock market is something which uh can be done very easily may it can be done through online platforms it can be done through apps and stuff like that lah and you can even uh hire a like investment planner to help you to invest in


to help you in such investment, uh type of strategies uh however uh a personal preference in picking a stock, uh I would say is for me I will take a look at their trends and how like the stock is rising and like how it's decreasing and stuff like that so by knowing their trends I would like


uh sort of uh figure out like how well the company might be doing and what is the popular type of stock market nowadays so that like uh, to me I preferably like to follow the vast majority on what they invest on and then after that I'll do more research on that stock market and then after doing some research about it then I will take a look


at uh how they are doing and how the stock is rising how is it falling then uh and also I will check on it like every like few, like hours and stuff like that lah, uh so it's quite a tedious way to me uh in


when I invest in stock market which also partly is one of the reason why I didn't why I stop investing in it already cause it takes up too much energy in doing it, yup but uh I would say that overall investing in stock market is actually a very good way to start off uh building your fundamentals in investment


uh for me I don't really do all this type of analysis cause not really uh I don't really study or like go and do so much research to the point where I know like [orh] what are the fundamentals and what are the technical technicalities of


uh investment and stuff like that lah so I think but it's a it's something which I want to look into in the near future so that I can uh improve myself on my investment skills and stuff like that lah yup


for me I think uh investing automatic uh using automatic investment is, a a rather good way to go about investing but also I think uh investing is also a type of like uh knowledge which uh and skill which


like it's a good skill to have so , I wouldn't mind doing a automatic investment but also at the same time uh knowing the skills behind it knowing the knowledge behind it like what you've said all the technical knowing all the technical terms knowing how to calculate uh all the like liquidity and stuff like that of of that uh particular uh company or the stock


uh would really help in the near future when we really go deep into the investment so I think automating investment is actually a, like rather good way for beginners uh while they are still researching on the type of investment yup


part three negative experiences, K uh so recall a situation where you were forced to change your plans against your will


okay uh eric you want to start first on this


yup agree uh for me similarly to similar to yours ah but uh during that uh time we me and my friends we were supposed to go drinking at a like at this drinking, place ah uh and then after that we were supposed to uh go and you know sing karaoke and stuff like that however uh they decided that they wanted to go clubbing and to me uh I'm


at that period of time I wasn't uh able to accept the concept of clubbing lah so I was very uh receptive to like, I was actually not willing to go with them and uh I was forced to change my plan lah uh but in the end I didn't go with them I instead I went home so I guess it was I was quite disappointed uh cause they


didn't like consult the opinions of the vast majority lah cause I know of a few of them who didn't wanted to go but uh they succumb to peer pressure and went for clubbing instead uh of like


instead of other options lah yup


yup yup definitely so for me also the same as you uh it was actually the O levels exam lah so uh, like a lot of people know that uh I'm not very good with my english and definitely my english language isn't the best isn't the most proficient of course and


during that period of time I had uh tuition for english for at least ten years ah ever since primary school, I started uh getting tutors for my english to like brush up on it lah uh but when I received my O level results for my english it I didn't do very well I got D seven and I it was it limited to my


choice of courses which I could go in poly lah which to me I felt that, uh the world was against me lah I studied very hard for english I practiced a lot I went for tuition for ten years however I wasn't able to do as well as what I expected and instead I did worse than what I would think I would have done lah


yup, K so describe a time when you were heartbroken K I think for me during that time was actually during, BMT when uh just now I shared about


how my buddy encouraged me uh it was during at that same period of time cause, I was very close to my grandma uh my grandma lived with me for quite a few weeks uh and a few months ah during her period the period where she wasn't uh feeling the best where she was uh quite sick lah


and the other family members uh were not able to take care of her at that period of time, so she was placed in my house under our care lah, and uh when I went for my field camp and I realised that she was hospitalised uh I thought it was just a normal hospitalisation lah it's very common for her to be in and out of the hospital during that period of time but uh after receiving the news that she has passed on uh it really like broke my heart lah


cause I wanted to go back, home after my field camp to like at least see her and talk to her again and uh I didn't even get a last chance to like, uh see her one last time lah ya which was very heartbreaking during that period of time


yup uh for me would be my the appearance ah of me last time so, uh last time I was very uh severely obese uh weighing like hundred plus KG at that time and a lot of people laugh at me at how I look and stuff like that but I took it as a pinch of salt ah with a pinch of salt cause didn't want to let it affect me but instead I joined in the humour so that


uh it makes me who it makes me feel more extroverted someone who is willing to take in jokes and, stuff like that till now I'm still able to accept such joke but till a certain extent ah till a certain limit, but uh as I recall back the times now uh I feel that like that period of time was the period where I was the least confident and the


I'm most vulnerable to personal attacks at the same time so and also like a lot of people were very, like uh look down on me in a way where they know that I won't be able to sustain all my weight loss and that I'll gain back my weight at the same time but uh I strongly believe and I strongly feel that uh I would want to prove them wrong and not


to return back to my original state like before, okay so describe a time which you felt betrayed


ya same ah same so , I think I met up met with this situation quite a few times in NS uh cause we cause I meet a lot of different type of people during uh my army period and uh I think


like a time where I really felt very betrayed was uh during the period where I'm supposed to do some work lah, in my army camp and like I got, uh to, my friend like went to betray me by leaking out some information which is not supposed to be told uh and then uh I didn't really get into trouble but I was called in to like uh ask and questioned upon why was such information like told to others lah


ya, K so if you are going to die tomorrow what are your last words to your loved ones eric would you like to start first


okay I think for me firstly I would like to apologise to them uh for how I am as a person lah like I'm sure I have my own like, uh shortcomings and I would like to apologise to them of how that has affected their lives uh like how like my presence has been like


isn't a very good influence if to them lah and also lastly to tell them that I love them and that uh, that they have been a great blessing in my life lah to all my friends who are still with me till now


yup yup uh for me similarly uh honestly it was during army lah that uh I felt like I was giving up soon cause uh in army I'll I faced a lot of like uh


different situations which really made me think twice about the action that I've done like was it really worth it like , uh is the action worth doing it like if I put in this much of effort will it would it be recognised like my effort would be recognised and stuff like that lah but during that period of time was also like


the lowest point of my life where like really I don't think that uh pushing myself any further would do me any good also so, uh I just felt like giving up lah and like just quit


so what are the injustice in of the world that makes you angry, okay


yup agree uh to me uh the injustice of the world would be, those who got away with any like uh like indecent acts and like they didn't get punished lah so I feel like indecent acts such as like any like sexual assault and stuff like that uh or like


any type of physical assault and ya so like, I've seen some newspaper article some reports about how such indecent acts have, been like just sweeped off under a mat and like forgotten after such a long time and they didn't went to further pursue it I think that uh such


things are are actually like unacceptable no matter what kind of what race what religion or what education level you are specifically or like what kind of like, uh lifestyle you lead even should uh be a determine point of whether you should be punished or not


but uh there should be some form of equality within uh the how people should act as a person lah, and I feel that such uh like uh indecent actions or indecent indecent acts uh should be punished no matter uh who you are


so what is your most embarrassing moment how about I go first ah yup uh so my most embarrassing moment, would be during the time where I


was in school uh I was studying food, uh science so I, have to deal with food a lot deal with uh kitchen work a lot and stuff like that so there was a time where I actually was given an assignment to uh deep fry bread crumbs


and during that time it was actually like I was quite tired and stuff like that so after I deep frying my bread crumbs with the hot oil still in my pot I actually poured the hot oil into a a, plastic bag and immediately the plastic bag melted and all the hot oil are splattered on the floor lah like it was splashed on the floor and I made a huge mess in it that like there was quite a commotion within my group cause like


uh everybody was scared to like get close to the hot oil cause they are scared that they will get scald and stuff like that lah which to me that period of that day was, quite embarrassing it was a very embarrassing moment cause it was quite a small mistake but it led on to a huge commotion lah


okay okay understood okay yup, so describe a moment when you felt that you were treated unfairly


for me it would be, during a test lah so I felt that I was treated unfairly cause uh the test result when it came out uh, I didn't do very well and I felt that there was a question which


I've answered it correctly but not in the form where the teacher wants to see but it was the exact same answer and the exact same pointers which was given but my teacher wasn't like fancy of giving me the points lah


to improve my grade I was like very close to jumping by one other grade, so uh during that day uh I felt that uh it was unfair for me cause the answer itself uh my answer


contains all the pointers which was in her answer sheet however uh it didn't like the teacher didn't see the few keywords that she wants to and she decided to like uh give me a bad grade


which uh I don't think is something which I'm fair I'm happy about cause should be more flexible with such thing mah, yup


for me I think a dream which uh die a little with each passing day is I dream that the world will become a peaceful place lah but seeing the news nowadays where there's a lot of like uh stuff happening I don't think that uh we are anywhere close to that dream


part two positive experiences, K uh I start first ah so describe a time when you were helped by someone in your


time of need for this I think uh I remember it was during army in NS uh during my BMT period when there were a lot of instances where we needed to help each other


to build each other up lah so uh it's really a lot of effort uh and really you need a lot of good friends around you to know like to know how


in which point you will need help so actually I have my buddy who was very very uh he's a very extroverted guy he's someone who uh is willing to go out of his way to help you and to encourage you so I remember during this time when I was uh


in field camp and uh it was a four days three night field camp lah and I, was out in the jungle I was about to uh finish up all my activities and then I got a call from


uh my officer in command uh my OC telling me that uh my uh he has received a call from my family member and that uh my grandma has uh passed away during that period of time when I was in field camp, ya so it was quite a tough like time for me cause it was only the second day and I had like two more days to go


and uh I wasn't able to leave the field camp site yet because I need to finish up my tests before I can go uh but they but my buddy was there for me ah throughout the whole field camp and like he, helped me in my various like activity so that I wouldn't need to feel so uh burdened by it and he managed to like


make time pass relatively faster during that past two days and it was and I was really really grateful for him lah, that during that time of uh where I needed someone to be there with me to like uh talk to and stuff like that that I know that uh I have uh my buddy to be there with me to help me yup


yup, for me it will be a


buffet place uh near Geylang area so actually this buffet place has been there for quite a few years and I've only got to know about it recently, so that buffet place is actually uh great it's amazing there's like many different type of like type of ways where you can cook your food they have grills they have hotpot they have they have done it in Mala style they have like


like #lok lok# they have really a lot a lot of varieties of food to choose from and the different ways to of cooking it it actually like makes it, makes a uh variety expand even more, so not only you can grill it but you also can do it in a way where you can make it in hotpot you can make it into Mala you can make it into like skewers and uh like and stuff like that lah so to me that food was amazing it's not uh not only that there's a


large variety but also uh the customer service that they had there that they provided there was uh was great man they, could uh serve food like within a short uh a few minutes of time I didn't need to wait for so for a very long period of time and also the


environment there was very cosy the aircon temperature was just perfect and they have a really great uh seats which was comforting enough for us to enjoy a good meal together lah and also like what you've said uh like


I think the best meal is to have it together with people who you enjoy it with so, I brought my family members my close friends there and like indeed I truly enjoyed having meals with them and especially uh enjoy it in when I'm having it at a


place which serves uh really good uh quality food yup, K next question is what is the best surprise or gift you have ever given someone eric would you like to start first


okay okay, I see okay so the best surprise I will give I've given to someone will probably be, to this friend of ours who it was also a birthday celebration but uh it's like one or two days before uh after the birthday celebration uh after the real his real birthday already so what we did was that uh we actually like


uh brought him like we didn't tell him where we were gonna bring him and we actually brought him all the way to woodlands checkpoint so we were gonna bring him to JB lah during that day, but he sort of figured it out when uh we told him to bring along his passport so uh


ya but I think it's a quite a good gift lah he did mention like at the end of the day how he really enjoyed uh and really appreciate our effort of bringing him all the way to JB knowing that most of us are staying actually staying in the east side which is like


and JB is all the way all the way like literally all the way at the other side of Singapore ah so uh it was a good it was the best gift I've like ever given to someone lah honestly yup


alright uh for me describe a time uh when I went can't wait, to attend a concert lah uh for me it's a concert which I truly remember uh all the way would be in


three actually three years ago where like, uh it was a concert where I attended, cause that band is actually my childhood band so I was really really very excited to attend that concert during that time and I was going with two of my friends and that concert was truly amazing lah that concert was uh so good that like


a lot of people tried to like uh, you know fidget their way through and tried to get the first few rows and stuff like that lah and also, uh the moment that concert was announced I immediately bought the tickets without like hesitating or like thinking twice about the price and stuff like that lah which till now to me is still the best concert and the most worth it


yup, so uh next question is describe a time when you laughed too hard, eric would you like to start first


yup agree so a time when I laughed too hard was, uh definitely a joke lah which uh actually it was a joke made during a game, uh so like


I remember there was a time where me and my friends we had a game of I believe is monopoly deal and like uh we were playing so like uh, competitively and vigorously that like uh we actually like laughed so hard and then we messed up the whole game lah so like all our cards were falling everywhere and things like that so we had to restart the whole game again which uh in


turn makes uh the situation even funnier, yup okay so uh describe a time when you took a risk and was rewarded with success okay how about I go first yup so uh a time when I took a risk uh was actually during uh poly


where like uh, after poly lah so I wanted to go for uni, and I didn't know what course I wanted to like apply for like but I actually have a course in mind uh but I was but with my GPA current GPA right now uh I was like hesitating whether I should apply for uni


cause I didn't want to waste my time to go and prepare for all my uh, interviews and all the portfolios and stuff like that so I won't say that uh it was a very risky thing but actually uh during that period of time I was supposed to go on an overseas trip so like I was taking the risk on whether I should go for the interview


with uh I should go and apply for it so that I would get an interview date and then uh like so that I can go for the uni interview lah, but then uh at that period of time I was was I was supposed to be having a uh overseas trip so I didn't you know I didn't want to take the risk of like uh cancelling all the interview if I really got into it and stuff like that uh so


I decided to take the risk lah and thankfully I got it I got the interview cause uh I was really very very shocked at that period of time cause I didn't expect myself to even get an interview uh and


that it was really, uh the the interview date was very timely lah so it the interview date was actually two days after my overseas trip, which uh thankfully it was really just nice ah the time, yup


yup, yup I agree


yup okay so for me uh what makes me persevere is uh probably my determination of like wanting to get something done so a lot of people will know me as someone who, uh will not like rest unless I got all my stuff done like for example if I have


work on that day like uh if I have some things that I want to complete on that day I will not, like uh I will take short breaks in between but I will make sure that I finish all my stuff before I really go and rest which uh to me is a good and bad thing uh depends on how you see it but uh


to me why I would want to do such a thing is cause I didn't want to give it's a form of discipline lah honestly to me that uh to get something done uh like when you say you want get something done you get something done on that day and you won't procrastinate and you won't uh


like go and postpone all your stuff and things like that and also , what makes me persevere is also uh to preserve my pride uh to know to when I tell people that I'm gonna do this and I really would go all out to get it done so that I could preserve my pride and like tell them that you know uh when I say I wanna do something I would get it done lah


yup, in the post COVID world so who or what are you newly thankful of or appreciative towards, yup


yup yup


for me it's the same it's the same as you lah honestly ya honestly I'm very thankful for my family members who uh I've I've, been spending time with lah cause you know during the uh circuit breaker period uh it was like uh we were stuck together lah in the same house and stuff like that and also very thankful for the rest that I've got


cause to me uh during the circuit breaker period I was isolated in my camp for one month so during that one month uh it really gave me a lot of time to go and rest to go and uh learn new skills such as


I've learnt some like coding uh here and there some basic coding skills javascripts and stuff like that which like, it's a type of like uh new skill which I've been wanting to learn but didn't manage to find time lah and also uh I've also managed to


squeeze in some workouts and also to be determined lah in trying to get my work done and also tried to revise for my coming uni uh and, it was actually a very great uh an experience ah that I've had and also knowing that


uh during this period of time my parents at home are actually safe uh they know that they uh won't go out that I know that they won't go out unnecessarily to get uh to go and like, to go and defy the laws ah so it also it's also a time where like I'm grateful for all the


like things the government has been doing for us [lah], yup, yup twenty twenty-four


part one financial-related topic, okay uh maybe I'll begin first


okay uh so, what are my thoughts, on uh sorry, uh do you think investing or trading is similar to gambling


so uh regarding my personal opinion I find that, uh investing and gambling both are different, different matters lah gambling is more of purely luck and then investing is, you can uh have a higher chance of profiting your investment if you have enough uh knowledge or experience through reading books or have a mentor to guide you


ya so what about you uh Fangchi


okay so which one do you prefer


uh ya same lah I will I will find that ya investment is is better than gambling lah, so if you invest in the right company definitely you will make money in the long run, ya, so maybe we can talk about our next thoughts on uh singapore saving bonds


so uh okay I will just say first ah for singapore saving bonds is actually a very uh affordable and easy to start out with lah so basically you can just put in the lump sum, at your affordable amount maybe like one thousand or two thousand depending on your time


frame so that is so-called no no penalty on, from early withdrawal so as long you save maybe five years or ten years ah the interest would increase gradually throughout the periods lah


uh ya I mean is is uh I would say is quite similar to uh singapore like those fixed deposits lah, ya so if you, like bank fixed deposit lor


ya so if you example like currently if the bank like one year give about one percent, so so it's about there lor, uh so if you for singapore bond you put for like maybe ten years, the interest maybe uh around three percent lor


ya will gradually increases, !huh!, ya you'll you have a time frame lor, yes yes okay, so uh anything you want to share regarding uh investment or finances


ya I have uh I have more in, I have more experience in investments and finances lah so personally , I have a account with insurance and also with uh investment like stocks account lah, okay so for me I also uh open a CDP account in singapore


and I personally I prefer CDP so that I can gain ownership, of the shares and also able to attend the company AGM lah so every year, they have this uh AGM to know about the company, directions or what's the


profit and loss, of the year of the company lor, ya whereas for insurance is more purely of uh diversify, your portfolio lor, ya so, you also have another tools, for for it to


to let your money work harder for you lah, ya, so maybe you want to, discuss on the recent performance of the stock market have you heard of any news


maybe maybe it's like can can can be like you know the the, , a lot of uh retrenchment job losses or company restructuring so, so do you think the stock market is is it going to be good or or bad


ya uh like you say can be right or wrong lah so of course there will be certain sectors of the industry will be affected, by our uh current uh COVID situations lah so example like tourism definitely will be, hit


by this uh this thing lah, so there also will be another sector like uh technology, uh E-commerce that the the companies or the industries lah which are doing well lah, so example like maybe


like Amazon, or Alibaba all these companies lah, or maybe even those, people staying at home to play games or even Zoom, ya, so all these company which, uh a lot of people are using it so there is a


demand in the company lah


ya it will be stable or even doing, better lah ya, ya correct I mean compared to other industries lah, ya so if you example currently also like, like the


the hospital or the medicines, ya they also, uh need a lot of manpower to, to, to treat all those uh infections, people and also they also race, racing against the time to find the vaccines for the for the world lor to to solve these uh COVID


it'll it'll definitely will have some impacts lah so, currently why is it the market is still up is because of the government agency they're pumping money into the market lah so that, it will not have so much uh impact lah, ya so if you you can imagine if the like singapore government in the case ah if the government do not introduce those uh package or whatever to save companies et cetera


so definitely there'll be will even more, uh so-called more worse lah because company definitely won't have enough uh liquidity or cash flow to to pay for the, for the employees or even the rental expenses et cetera so


definitely more even more company will be closing down lah but because of government introduced all these uh packages and all these things, that's why they are still able to sustain lah, ya so that's why it's it's not, singapore alone lah it's around the world lor


no problem so next one maybe you want to talk about


if let's say you have uh CPF money do you want to invest


okay your your a bit is uh, how much example maybe you have uh, fifty thousand lah example, and then the CPF, fifty fifty five zero ah, ya so it's it's


and then the CPF, government they are also uh uh limit lah so, they will they have to lock up the first twenty thousand lor so you only have balance thirty thousand ah, okay, so the balance thirty thousand so how how how much portion you want to invest


around ten thousand lor example lah


so if you given the choice ah do you think like if you use this money to invest in those like, maybe like book blue-chip company like uh, like DBS bank et cetera do you think is risky or not


ya so so talk about DBS bank lah so do you think they are they are safe or is is the company good or what


ah it doesn't linked to the interest rate leh, , ah you invest you invest on their company uh overall performance, ah, not not the not the normal, saving interests you put in lah


okay so what you think is a is a good company to invest in leh, I mean what, which company do you feel is a is a good, company like in your opinion lah


anywhere lah can be local or overseas lah


ya so what is the big and well-known company that you know of


like like the one currently the laptop you use lor