uh I play poke with him couple of times and I met the wife before, and I heard from my


<mandarin>金矿:jin kuang</mandarin> lah but then but then <mandarin>要要:yao yao</mandarin> divorce Liao [orh] I can't find it I can't find it that then <mandarin>我:wo</mandarin> Paiseh <mandarin>问人:wen ren</mandarin> I very Paiseh to ask, but she's damn Chio is like the !wow! like you know, but


Chio then, you know, Chio <mandarin>有什么用:you shen me yong</mandarin> right, and at the end of the day, so ya lor so he's been he's in a legal tussle with <mandarin>他的:ta de</mandarin> in <mandarin>他的:ta de</mandarin> father in law who's a almost a billionaire already


then, , so <mandarin>我在讲:wo zai jiang</mandarin> !wah!, I don't care what you do I want you to drag out this negotiation over three years, I want to, the lawyer fee to bankrupt him


uh


okay <mandarin>因为因为这个:yin wei yin wei zhe ge</mandarin> [orh] <mandarin>他可以他可以玩:ta ke yi ta ke yi wan</mandarin> [orh] oh <mandarin>这个不是:zhe ge bu shi</mandarin> the uh divorce case Liao <mandarin>这个是:zhe ge shi</mandarin> [orh] during the discussion of settlement [orh] he tried to defraud me <mandarin>他可以玩这样的吗:ta ke yi wan zhe yang de ma</mandarin> he can he can sue him yes but he can he can take


I'm just saying it doesn't have to be a divorce case it can be oh during the divorce settlement he told me this thing but actually he misrepresent himself okay I'm gonna sue him for something else, that's why I say


if I'm a nasty guy, I got a billion dollars I want to play with you can, I play with you how much can you play with me <mandarin>我我:wo wo</mandarin> I just throw some to Chuhcing Kura thing to to sue you lah, you know I said oh <mandarin>我觉得:wo jue de</mandarin> you you you use slander me <mandarin>还是什么东西:hai shi shen me dong xi</mandarin> or you you try to defraud me or


you know as long as <mandarin>有一些:you yi xie</mandarin> grounds hor for <mandarin>这种东西:zhe zhong dong xi</mandarin> right then <mandarin>你对对:ni dui dui</mandarin> so <mandarin>我在讲他如果他们真的要玩你:wo zai jiang ta ru guo ta men zhen de yao wan ni</mandarin> [orh], he can play with you for as long as he want what


billionaire he doesn't have to care right, is like <mandarin>我给一个:wo gei yi ge</mandarin> lawyer eh, I'm sure the lawyer can come up with very creative way to earn that one million dollars right


uh, !hannor!, taiwan's lawyers one, they don't they don't technically they don't lie they just represent what they're


they're they're they're ah they're clients tell them ya lor is is not the lawyers is the clients he's he's speaking on behalf of the how to say lah ah because <mandarin>这个不可以:zhe ge bu ke yi</mandarin> proof <mandarin>的吗:de ma</mandarin> and oh


whose burden of proof is it on, uh who is it on the burden of improve


ya, let's get to the end point fast okay, because the endpoint of this, is the starting point of your new life, okay they that's what you should be looking after <mandarin>我都跟你讲:wo dou gen ni jiang</mandarin> liao, the day


you get your point out right all to yourself, going throw a effing big party for him I bring my daughter you know I gonna <mandarin>姨婆:yi po</mandarin> will bring his son ahead okay <mandarin>我们带礼物:wo men dai li wu</mandarin>,


we we will, we work show him that, this is how we live our live you want you know, this, be normal okay, and, I'm sure <mandarin>你的:ni de</mandarin> father mother


I, okay I'm very sure <mandarin>你的:ni de</mandarin> grandmother <mandarin>看都他的:kan dou ta de</mandarin> Kena <mandarin>孙她会很开心的:sun ta hui hen kai xin de</mandarin> okay


eh, anyway <mandarin>我吃我就要走:wo chi wo jiu yao zou</mandarin> Liao, okay lor <mandarin>去:qu</mandarin> Ayer ice eleven lor


you know which one I talking about right !walao! but <mandarin>以前是:yi qian shi</mandarin> as eleven mah <mandarin>不是:bu shi</mandarin> meh


ya <mandarin>可以:ke yi</mandarin> [orh] <mandarin>去吃:qu chi</mandarin> lor


it should be okay ah <mandarin>这种:zhe zhong</mandarin> late hour,


err <mandarin>我给她穿:wo gei ta chuan</mandarin> knee pad pad ah but <mandarin>她:ta</mandarin> okay ah


you know my helmet


when they don't know they have a choice they won't choose right


, normally eh normally that's what that's what happen with mine but I said oh, if you want to play this


you must wear helmet uh you must do this <mandarin>我试现我就跟她讲她就:wo shi xian wo jiu gen ta jiang ta jiu</mandarin> okay


lecture, geog, isn't it geography


if I'm not wrong


email, oh, will be in between the, the lecture plus, the zoom interview


(ppc), I'm a studious student okay


yea, I think this, how how how would you know, then <mandarin>没有:mei you</mandarin> lor


, but ya


forensics, but what so interesting about forensics, but you see dead body then


like,


LD fifty, oh but <mandarin>我记得:wo ji de</mandarin> NUS <mandarin>的:de</mandarin> forensic, no, but NUS one is a entire course itself


food science


specialisation in food science, biological science with food science just, double major


!wah!, <mandarin>不知道:bu zhi dao</mandarin> leh, but, !aiya!


it's maybe been till like one point five sem's, cause the previous sem was disrupted,


but then <mandarin>那个:na ge</mandarin> gym hor, uh I'm gonna go gym for this sem, what what this circuit breaker has taught me is that gym is not gonna solve my issues it's consistency


and I'm just, I'm just that lazy so, but <mandarin>我:wo</mandarin> IPPT <mandarin>都没有:dou mei you</mandarin> Liao, NS <mandarin>我打:wo da</mandarin> Liao <mandarin>我打:wo da</mandarin> Liao <mandarin>然后我问他我问他那边他们写:ran hou wo wen ta wo wen ta na bian ta men xie</mandarin> right is your IPT requirements for twelve october twenty twenty one


then <mandarin>我打电话他就讲所以我今天不用拿啦:wo da dian hua ta jiu jiang suo yi wo jin tian bu yong na la</mandarin> then <mandarin>他讲:ta jiang</mandarin> ya then I was like wait what I haven't done IPPT since two thousand seventeen leh, no this okay let's not let's not discuss this over recorded audio


but ya I haven't done like IPPT since like two thousand seventeen, eh but I still carry field pack fast march okay, the first the first three cycles also


isn't high key what


oh then then it's just rank pay, cause cause you're not employed right now mah


NSF pay lah, what's okay I ask you then what's the regular pay for men, you also don't know what, ADF <mandarin>他们的:ta men de</mandarin> pay come mostly from bonus <mandarin>的:de</mandarin> leh, ah


it's beyond beyond it's spec, NS, why


no <mandarin>已经加了:yi jing jia liao</mandarin> <mandarin>七百六:qi bai liu</mandarin>


no as I mean okay honestly right, to me I see NS more of a requirement rather than an earning opportunity, ya and once you start working NS will be a way for you to like destress


you know


first tutorial, eh but


ya <mandarin>他讲:ta jiang</mandarin> down what, eh, !wow!, eh, eh, complete down


but, I, I thought moral ethics just meant like for that mod, you know, [orh] okay lor


!aiya!, but, as in yesterday you told me if you add more choices you have higher chances what does that mean, how does that help, you know what I mean


what does this


enough okay okay okay, sure sure, okay


, !wah! <mandarin>你知道昨天我朋友:ni zhi dao zuo tian wo peng you</mandarin> hor <mandarin>他:ta</mandarin> <mandarin>他:ta</mandarin> like <mandarin>很不高兴他只有:hen bu gao xing ta zhi you</mandarin> ten AU, then <mandarin>我就跟他讲:wo jiu gen ta jiang</mandarin> is it


I don't know lah, I I don't know I honestly don't know but as in I just I just I was just saying that if you have this issue right and email and then they they don't really help much why not you just call, then she was like then call will help meh, then <mandarin>我:wo</mandarin> like <mandarin>你不打你怎么知道:ni bu da ni zen me zhi dao</mandarin> what what do you have to lose from calling them cause <mandarin>你知道我朋友:ni zhi dao wo peng you</mandarin> right <mandarin>他他没有拿到:ta ta mei you na dao</mandarin> mods <mandarin>他直接是去那个:ta zhi jie shi qu na ge</mandarin> office eh


I mean like cannot be I pay five thousand dollars per semester and I only getting ten AU can you even graduate on time, you know that's a real pressing concern what


she, don't want to call, eh <mandarin>他已经讲我:ta yi jing jiang wo</mandarin> wait list Liao leh <mandarin>还要:hai yao</mandarin> add meh, she don't want to call then I was like what what what do you have to lose can't you just call the office and


know get like a better picture of the situation rather than spending your time, know complaining, that you don't get mods and everything


<mandarin>你跟我拿:ni gen wo na</mandarin> one six lah you retake lah


!wah! one six <mandarin>很难:hen nan</mandarin> leh


like she, no she editing everything then write extra stuff, like fix support and everything, ya


welcome to my life, !hais!, so how's your, investing thing, what what course you want to know


come come invest with shoe, welcome to my investing seminar, oh, zero brokerage fee actually have eh, have lah but


oh well, err <mandarin>我其实我是:wo qi shi wo shi</mandarin>


but I planning to buy hong kong one, I don't have access to the market, ya my brokerage that one I am currently using only have hong kong US and singapore


how do I find sidley ah, and if there's no, okay there's five or three


how do I get my knowledge from, err okay so back then right is before Sidley existed <mandarin>以前没有:yi qian mei you</mandarin> like sidley <mandarin>这种东西的嘛所以有很多那些:zhe zhong dong xi de ma suo yi you hen duo nei xie</mandarin> financial blog <mandarin>没有人去读的:mei you ren qu du de</mandarin> but <mandarin>以前是这样啊:yi qian shi zhe yang a</mandarin> so it's like


there's finance dot SG there's money mustache the motley fool financial mode, the astute parent, so it's like all these websites then you just slowly read like certain articles you just start somewhere cause you must think that you everyone think that it's very hard to start


cause there's no strictly where to start it's not like know the entire education system that we are used to, ya


then <mandarin>那时候我我没有钱我那时候没有:na shi hou wo wo mei you qian wo na shi hou mei you</mandarin> NS pay then <mandarin>我就讲不用啦我看:wo jiu jiang bu yong la wo kan</mandarin> then <mandarin>我也是有一点怕因为:wo ye shi you yi dian pa yin wei</mandarin> like very skeptical about this kind of things


and then I just didn't start lah but I should have cause if I started


tesla yes during NS it was three hundred, ya it's march cause, no it dropped to two two two, ya,


[orh] actually what actually happen was that okay so, at during march right so, so elon musk <mandarin>他他在那个:ta ta zai na ge</mandarin> twitter post, tesla stocks is overvalued, so then everyone was like what then they go calculate cause like there's like certain matrices that you can count like intrinsic values and whatever


I not very sure about that also I'm a engineering student anyway so, then he so a lot of people start selling that's when the price really drop down super low and then like a lot of things happen lah like <mandarin>你知道他有那个什么:ni zhi dao ta you na ge shen me</mandarin> truck right cyber truck


but pretty much he has that truck and then it kind of failed during the exhibition


so it's not like a small caps lor tesla has been here for quite awhile already, it's not really no one notice it's more like


ya, that's that's the standard rock standard rock but honestly right how I started is


can lah can can okay I give you example ifast, when we saw it right me and aloy right it was one three nine, ya one one dollar and thirsty nine cents per stock, okay, must understand in singapore right the reason why the prices look so low because the minimum buy in is one hundred ya so at the so you technically if you convert it


it's hundred and twenty nine ya then, after that, the, the price shot up now it's I think two dollar fifty cents, the food, ya


ya you know my AMD shot up by like I don't know ten thirty dollars but it's only not even times two, man don't understand


ya a lot a lot of people do that, oh they cut off, uh


four percent is okay, !wah! ya


I mean, per month twelve dollars, you can get it from like a high interest rate ah saving account


oh oh !wow! okay now that's different, got such thing, oh


ya, but, for, actually that's the reason why I also don't want do at SGX because, !hais! <mandarin>年轻的时候就要拿:nian qing de shi hou jiu yao na</mandarin> risk, no this is not spending what I I mean I mean wait honestly right whoever who tell you that investing is not gambling is lying


this investing is gambling really, but like you know I I just, it's it's really educated gambling


ya like, so isn't this


eh so is that still gambling, so technically investing is,


I'm so confused, ya ah, technically ya, true


educated guess equals gambling ya, that's true, so when is not gambling when you produce actual value ah


so if let's say you are you are then those active fund managements, those like fund managers then they also do a lot of reading technically you are working what, but it's not fixed income, so I guess their basic pay is their income and then everything after that is a gamble cannot be what


because they are saying that income doesn't have risk but technically there's inherent risk in every company you know you'll never know that next day


so technically income you put in zero money but you get the money back so that's that's income, but I


true but then, do you do you ever thought like why why do you want to invest, but so I ask


ya but like what's your goal, so ya, so what happens when you get more money, then, so what you gonna spend it on let's say I give you a million dollars now what would you do


okay so do you expect yourself like let's say err, ten years down the road do you where you see yourself, do you do you have a car you have a car, you will own the car in your head then do you have a house would you have BTO would you have a partner you know what I mean


for for for for, I mean okay let's look at stats <mandarin>我二十二年有没有一个没有:wo er shi er nian you mei you yi ge mei you</mandarin> right


okay let's let's let's talk about, this is this is painful so let's not talk about that let's talk about like okay so cause okay I have a friend who is a financial advisor


okay but <mandarin>他他没有卖我东西他:ta ta mei you mai wo dong xi ta</mandarin> no he he very weird like he is practicing his pitch on me cause he know that I'm quite against in like insurance policies, ya but the thing is I'm not against it you know what I mean like I'm against certain products but like certain things like saving plans right I think it's quite good


okay cause okay maybe in certain savings plans has inherently like very little risk so like, but why why when there's no risk, of course you must care about the risk so as okay wait let me give you example


how would you invest it let's say you want to invest how is it, ya lah of course lah but let's say there's no professional there's no one you can trust what would you do would you obviously you obviously go for high risk or low risk


that's true that's an that's a


saving plan <mandarin>多:duo</mandarin> [loh], but then but then okay you think about it cause, okay wait wait wait you see ah that's why that's why I argue that saving plans are actually good, it's not bad it's not a bad thing because <mandarin>你:ni</mandarin> look at the interest rates right let's say it's three percent which is pretty low ah three percent is pretty


ya definitely but it's ten years compounded overtime, right so it's very low but with a very high capital right you technically making it work, because the reason why you go for higher risk is because you need more returns but why do you need more returns cause you have low capital


so <mandarin>如果我很钱:ru guo wo hen qian</mandarin> right, !whoa! oh !oops! <mandarin>如我跟他讲我有一千万然后跟他讲我一千万我放进你的:ru wo gen ta jiang wo you yi qian wan ran hou gen ta jiang wo yi qian wan wo fang jin ni de</mandarin> bank


that's why it's higher capital you can accept less risk but when you have low capital you must be like me


!huh!, ya that's true


hundred K, ya, ya, if not what rupee meh


no, nope, no, close enough lah CPF SA


SA not bad lah but, that's that's why I was thinking actually right if I were him right that's actually very smart move cause currently every year right your the RTS so you know like to draw money out from your SA you need to bid that number


ya no hundred K, just search like compound interest calculator, !huh! C O M P O U N


four ya starting first sixty start, doesn't matter lah


is is is the the percentage is annually ya,


ten years eh <mandarin>他今年他今年几岁而已他今年跟我们一样岁:ta jin nian ta jin nian ji sui er yi ta jin nian gen wo men yi yang sui</mandarin> eh, yearly <mandarin>四千块:si qian kuai</mandarin> then <mandarin>他还会在放的:ta hai hui zai fang de</mandarin> what right


uh this as the principle amount, ya it's already beat the RTS already, now like can draw out the whole thing lah SA you cannot draw out the whole thing


SA you cannot draw out of the account, SSOA account not SA account, if I'm not wrong ya I think so, OA account is two point five percent


ya, SA <mandarin>是:shi</mandarin> supplementary <mandarin>的:de</mandarin> like you know what I mean you you fill up your OA first then you if you really sure you are not gonna touch it you throw it into your SA, SA is a way for you to earn better interest rates but you confirm won't touch until you


eh ya sixty five, they're try to push it back ah they try to push it back to seventy, because you get seven percent returns after like after a certain age, what thing, sixty plus


okay, no wait wait wait, but <mandarin>你要想那时候你可能会有孩子:ni yao xiang na shi hou ni ke neng hui you hai zi</mandarin> then <mandarin>那你孩子的时候你可以:na ni hai zi de shi hou ni ke yi</mandarin> pass down


, I don't know like if if I would ever have kids, I would probably try to give them a better like you know the best that I can


okay but like education is so important like you know like I've I feel like I'm quite privileged lah like honestly I feel that, like err, I did but I take loan cause, it's more beneficial to me, can leverage


my, ya it's it's really a very good benchmark and it's like no the fact that their parents can actually pay off first, because four percent interest rates is it student loan is four percent right


!wah! pain, oh what's the diff


eh but <mandarin>比如我们拿:bi ru wo men na</mandarin> scholarship <mandarin>的话:de hua</mandarin> right then <mandarin>怎样算:zen yang suan</mandarin> ah, !aiya! <mandarin>我拿到先才讲:wo na dao xian cai jiang</mandarin> , eh <mandarin>你拿到:ni na dao</mandarin> bursary right


ya, oh <mandarin>最好是:zui hao shi</mandarin> aloy lor <mandarin>拿:na</mandarin> scholarship, ya I know


four point nine <mandarin>好像:hao xiang</mandarin> four point nine, [orh] <mandarin>他拿:ta na</mandarin> two mods <mandarin>而已:er yi</mandarin> ah


okay, pass already, leanly leanly, maverick, down wager <mandarin>算的:suan de</mandarin> what <mandarin>他不是:ta bu shi</mandarin> meh oh no <mandarin>不同不同可能是:bu tong bu tong ke neng shi</mandarin> MAT right <mandarin>我们是:wo men shi</mandarin> MET


eh, how dare you insult my prof aloysius


odia, oh ya alicia


no <mandarin>其实你们可以拿:qi shi ni men ke yi na</mandarin> double major <mandarin>的:de</mandarin> what, I don't know what's your rank point, my rank point sixty eight so, I don't know I really don't know I know alicia rank point is eighty plus


SA, ya, but she don't really have the looks of SA , actually I don't know lah I I also don't know I don't care about the JC stuff anymore,


!hais!, but then, she want join as logs


, , (ppc), then after that leh


oh <mandarin>你跟他讲:ni gen ta jiang</mandarin> face to face, oh,


I I I wouldn't want to, , join


sports meh


and then, like, just just just just beatbox and <Z> , you know the meditation hall thing then I was like okay maybe I will join, I don't know, of course not lah do you think I have the talent


no I don't, there's a difference between splitting and beatboxing, ya, , cause I was like do you know what is ETF


exchange trade funds, so it's pretty much like, you own a basket of funds so there's this huge controversy behind it there's this guy called michael burry where he thinks that the entire ETF bubble like the index funds bubble is gonna burst cause cause okay think about it you must understand that <mandarin>这世界上没有那些什么不劳而获的东西:zhe shi jie shang mei you na xie shen me bu lao er huo de dong xi</mandarin> agree agree agree or disagree


right so then <mandarin>你看那个:ni kan na ge</mandarin> ETF right, the idea behind ETF is


then then later that's why this guy is like logically speaking it doesn't really make sense so based on statistically like slight stats right


they found out that actually index funds is is gonna be huge bubble get as huge like terminology high leverage I just fast forward cause I'm too lazy, then then I'm thinking like !wah! if index fund is so good right why do I spent so much of my time, like stock taking ya


like you know on my way here, I was still reading like the investor reports, like the company I was talking about just now, like I just reading lah you know I might not really understand but you know just try it, know what I mean like I'm


it's true it's true, you know


ya he he like funds he like index funds, cause, cause it's throw your money and you don't think about it


do you do you know what funds are, technically, ya, yes


ya have to keep follow up the index, so like, technically ya, #sai kang# ya, you know, what if I wasting so much of my time to pick stock


but then I don't do as well as someone who just buy ETF, no it's like historical returns, so dividends plus capital gains minus your taxes is nine percent, cause cause in US right your tax on capital gains so if so if your stock is one dollar you bought it at one dollar then when you sell it like technically you sell it


inverted commas it's worth ten dollars so you gain nine dollars right in US you tax on that, one that nine dollars, yes dividends I'm not very sure, but in singapore we are taxed on dividends thirty per cent of the dividends for US stocks, and my brokerage has a dividend handling fee


so, ya ya so that's why I don't get dividends lah, but, that's the logic right so I'm like thinking the entire time was like !wah! <mandarin>我用我这样多的时间去读那个:wo yong wo zhe yang duo de shi jian qu du na ge</mandarin> ten <mandarin>读那个:du na ge</mandarin> ten Q


then, what if I just I'm under performing someone who just put money into an ETF, ya


that's very


okay, !wah!, no


within we but the ya but then but then we are talking about historical long returns cause it can go up it can go down, right


in a sense, in a sense yes but, ya but you wouldn't know when to to draw out when to cash out


this, cause funds can go down also, ya but okay but but but okay but historically historically right, over ten years over twenty years right over twenty years index funds have never turn a negative number


never once, it's never once, ya but you need the money meh, the whole point of index funds right it's so that you use it when you retire


<mandarin>我觉得没有这样有用了现在:wo jue de mei you zhe yang you yong liao xian zai</mandarin> there's this new thing like CQ, where you minus when you when every single year <mandarin>你拿出来:ni na chu lai</mandarin> four percent


so every year you withdraw for like four percent, ya, then cause that hundred K assuming when you're sixty right will still grow what, like it's more volatile so become like the six K will draw it out


so the returns can be as let's say three K, so by the by second year you'll get ninety nine K you minus another, four percent of that, you take out take out take out take out take out, so how this thing go that there's this thing called trinity rule it's like a new thing not really new but


it's a actual research, it's a strategy it's a strategy


ya, there's no there's no hard and concrete facts everything is base on matrix's like that's why I ask you when you invest right, what's your strategy, like what what do you want go what do you want to buy you have like must concept one that's why I say for now mine, is growth, cause I don't want buy dividend stocks cause I'm getting tax on them but if I buy capital gains I'm not getting tax on them that's where I can really makes make the most profit


ya so that's why I I took quite a big risk, but, no, , I guess, oh


okay so <mandarin>我用的:wo yong de</mandarin> brokerage <mandarin>叫:jiao</mandarin> firsthand one it's by this company called ifast so you must first take note of ah, something like that they are they are fin tech firm, okay so so hor


ya so we compare like brokerage fees okay so we talk about you know what's CBP and custodian, <mandarin>是新加坡的一个:shi xin jia po de yi ge</mandarin> like city net city net ya it's just city net okay so you must know that everywhere else in the world right there's no such thing as CDP


so there's no such thing okay I don't know if I'm pretty sure like other countries don't really have it but, it's it's is more prominent in singapore I'm not I'm I don't know about the country where got CDP


ya kind of, ya, ya is ya, ya ya, I honestly I the thinks it's a propaganda like think started out by by PAP to you know like they no okay cause okay it's not a wrong thing cause you are inspiring confidence in your citizens to throw their money into investment holdings cause as a young nation right we need a lot more money invest is the best way to get it


from the public, so, it's a good thing in a sense that CDP, is only for singaporean stocks


so once you're done with that right then you think about the brokerage firms so <mandarin>我们新加坡有四个:wo men xin jia po you si ge</mandarin> main banks like three or four lah, just just misty period ah no the rest can


okay so oh the standard chartered as well, eh no wait I think that's custodian, eh whatever whatever okay so, the minimum trades, for OCBC is twenty five dollars, back then it's quite good already cause last time is more expensive so twenty five dollars DBS recently changed their


err their cost to be ten dollars, minimum trade singapore stocks buy only, so if you sell it, yup, so that's like the beauty of it, but ya lor so if you buy so the trick is


it's like custodian account but you can connect it to your CDP, to sell your CDP stocks, it will be a bit more but still cheaper than vickers, ah


ya, in the sense <mandarin>如果你买新加坡的:ru guo ni mai xin jia po de</mandarin> stocks I think it's okay to buy from vickers because you can put inside your CDP and you are saving money


cause, err depending on the company right they have custodian fees as well which is the money to hold your stocks, that's where that's where I choose FSN cause if you use vickers right, err <mandarin>好像一年一百五十:hao xiang yi nian yi bai wu shi</mandarin> eh


(ppc), up to hundred and fifty dollars, ya to hold it for you, FSN free, I'm as in it's part of their policy where they want transparent and cheap fees


so cause ifast company right I check their returns and earnings right so most of their money most of the revenues are actually making from B to B services business to business so they're providing them with like all the transactions and everything from business to business that's where they get their most revenues from


ifast I read the investor relations and their fact sheet, no okay so <mandarin>因为昨天那个那个:yin wei zuo tian na ge na ge</mandarin> eh <mandarin>不是昨天拜二是吗那个:bu shi zuo tian bai er shi ma na ge</mandarin> two zero one six website down, then <mandarin>我就读:wo jiu du</mandarin> lor


good mindset lah <mandarin>赚钱没有:zhuan qian mei you</mandarin> right, so ya so that's why I use FSN to buy overseas stocks


because is is really is cheaper than, most of that there's cheaper ones


ya poems <mandarin>像:xiang</mandarin> but poems is


okay okay so so let's talk about fees now okay I'm comparing FSM with okay let's let's talk about saxo you heard of saxo


err it's another custodian account, so saxo <mandarin>比:bi</mandarin> FSM <mandarin>更便宜:geng pian yi</mandarin> eh <mandarin>他:ta</mandarin> minimum fee <mandarin>是:shi</mandarin> six dollars, but saxo <mandarin>很多:hen duo</mandarin> fees eh


so there's a withdrawal fees


that for saxo but there's still more fees, then there's custodian fees which is the money that you pay them to hold, your account


ya, custodian fee is very important if you're holding long term, cause less okay <mandarin>没有:mei you</mandarin> we we should talk about small capital then it doesn't really matter lah but long term wise your portfolio will get bigger and bigger what, then are you really willing to pay hundred and twenty dollars really


maximum hundred twenty, ya, then saxo right <mandarin>很麻烦:hen ma fan</mandarin> like okay there's one thing that I think most people don't really like talk about is customer service, really really really is really important especially when it comes to brokerages cause let's say you have a issue in the middle of time then you are trading halfway right I mean you know what I mean like you see what's going on


because my friend was was deciding between saxo or FSN <mandarin>他还没有:ta hai mei you</mandarin> decide lah <mandarin>他现在想要:ta xian zai xiang yao</mandarin> poem Liao !huh! FSN <mandarin>有这样难:you zhe yang nan</mandarin> meh <mandarin>做么你不要用:zuo me ni bu yao yong</mandarin> FSN I don't understand but then, err ya then so he called he called saxo right no one pick up


then he called FSN right within like I think a few seconds right <mandarin>他们:ta men</mandarin> pick up


ya and and the small details stacks you know they really stacks up, ya


(ppc), !huh!, ya


then everyone was like buying, ya, ya, you paid your, that's why that's why that's the that's why okay so we have this term there's this term for this kind of stocks it's called home run stocks so warren buffet right his he has this each analysis that


steps, there's like eighty places for you to chop, right, eh twenty twenty places for you to chop


so if you hit all twenty you'll be the richest man in the world, but, to be wealthy in life you only need to hit like four or five, okay so pretty much you just need to have like a few home run stocks like really two X five X


you think you can, of course lah, it's chance opportunity but also a lot of research, ya and see how you think about the future markets sectors, that's that's that's what I'm using right now lah but I not like I'm in any money


but do you know why I'm so desperate about like earning money, cause like, if there's one thing NS taught me right I don't want to be stuck in a toxic workplace


I'm not kidding do you know how depressed I was <mandarin>我拜五出:wo bai wu chu</mandarin> like book out right <mandarin>拜五:bai wu</mandarin> book out, that's how I felt and I was like shit I'm not gonna do that again


okay lah not really two years ah one point five lah one point five, that's how much I hated, ya, that's that's the main reason but anyway so, then then like so we we were talking about like saving plans with my friend yesterday


there's really no risk


let's say okay let's say you have a fund that you not gonna touch, right, you're not gonna touch let's say this fund we call it your car fund, #dio bo#, so <mandarin>你三十二岁要买车的时候:ni san shi er sui yao mai che de shi hou</mandarin> right


this fund will be used to purchase the car, agree, so, so <mandarin>你不可能你不可能动那个钱如果你不要动那个钱:ni bu ke neng ni bu ke neng dong na ge qian ru guo ni bu yao dong na ge qian</mandarin> right which bank account which interest rate will be higher than the saving plan


!wah! <mandarin>还有很多啦:hai you hen duo la</mandarin> but okay


that's why


because, it's a low risk vehicle, ya that's the thing, but your knowledge doesn't guarantee returns your knowledge guarantee chances of returns


ultimately ultimately it's still a gamble but saving plans is not a gamble


actually by by what I buy I got chance of losing everything, okay if you buy TX right there's a possible for the ETF to go zero dollars,


true, but <mandarin>你要想啊:ni yao xiang a</mandarin> that's me eh, that's me someone who is willing to spend, hours reading investor reports listening to conference calls, you know you know there's this company I looking SMIT is hong kong one right the conference call is in chinese


ya honestly I've been trying to improve it I I really think that chinese is is in the borderline mandarin wise


like I mean like I say if I have a million dollars, ya if I have a million dollars I can throw like I don't know two hundred K


into investment like in some saving plan you know what I mean, so that it's like same thing as education, you can only afford holistic education when you actually excel in academics, okay think about it


like okay let's say you're you're you're you're you're very smart, , as in okay let's okay you're really inclined towards the singapore academics studies their system so that you you can really excel cause you know how the system works you play it really well so technically the amount of effort okay the the amount of effort they have is


is not as like paramount you know what I mean the amount of effort that you put in, guarantees a way better returns than other people so the everyone has a finite amount of time right like we spend one third of our lives sleeping, so


if that's the case right you can then explore different options to improve yourself, so holistic education is something in my opinion, is something that you can do, if, you really have something that you excel at which is academics


because it was both ways, like if you are really talented let's say in volleyball, right people spend two hours training you spend one hour training, right, so that extra one hour can put on studies that you're not very good at, holistic education is something that people would only when you can afford it


in my opinion lah, like, no holistic means like everything ah like I'm good at sports ah climbing team


okay fine that's true that's a assumption, okay that that's that that will be a assumption then, I okay let's talk about holistic education in universities because that's where


ya lor


like, <mandarin>因为:yin wei</mandarin> that's that's the reason I work hard, for like


then <mandarin>他:ta</mandarin> eh it's true <mandarin>不要忘:bu yao wang</mandarin> leh I spent for four weeks I got seventy five, I don't know, (ppc) but, okay I I also got but then is cause


wait wait what's that, ya, uh


oh, okay, so, two, packet, less rice


two veg, each, aloy aloy say one one meat one veg can


hello, that's why it's called expired ice cream right


[orh], folk knife


Rojak like the chinese Rojak, Laksa flavour, okay true


point point point point taken, !huh!


what, say again, eh this is this is not a marketing recording we're not gonna promote the products not like it matters


but <mandarin>你没有吃那个吃那个:ni mei you chi na ge chi na ge</mandarin> pistachio, pistachio is the best


but <mandarin>很难吃:hen nan chi</mandarin> <mandarin>还有那个:hai you na ge</mandarin> japanese Shoyu, have you tried Shoyu ice cream


no but Shoyu ice cream, okay fine you win, !aiya! I can't beat that, what the


oh


[orh], okay lah make sense, that make sense make sense, that's true, I will I will do the same, but


, !hanna! !hanna!, !hais!, !wah! eh


she's she's a very peculiar character, !haiya!, eh <mandarin>怎怎么办:zen zen me ban</mandarin> sia NTU, eh <mandarin>没有啦没有:mei you la mei you</mandarin> down Liao lah


Sian right I also, is it is it even up, what what time what time does it start, oh, !huh! <mandarin>你没有:ni mei you</mandarin> meh


oh my god, let me check


, what


the important part is what, oh oh, as in wait, as in it's important for future or, oh


this week only left two days, ethics okay I think I'll do ethics first I think no <mandarin>我觉得:wo jue de</mandarin> kickstart <mandarin>不应该:bu ying gai</mandarin> Chiong, ya ya ya ya eh, what does that mean moral and ethics is very important okay


we ah, so you see, so, how does social studies relate to moral and ethics


okay okay okay I, I I agree to disagree, what what tamil what


!huh!


oh <mandarin>七步诗:qi bu shi</mandarin> meh, did I tell you that I wasn't like I didn't know I was in higher chinese, in primary school for like half a year


so, ya then no but


half half a year, then I'm like what kind of school don't know the student is suppose to be in higher chinese, then, ya now now I think about it, this school a bit weird ah, then, you know and that's the school when like the top scorer of that year come from our year


not me what you, but you get my point, okay I guess, this will be the end of the recording


, what I do yesterday, let me think, yesterday was this week is the first week of school


so is the first week, so


uh, we, I didn't have lessons yesterday, so today is just my, my first lesson of the day


I need to go to class, in in in it's a face to face so my first class of the semester


I think maybe, depends on the lesson lah because, some is, some is better face to face for some is better zoom


like you know certain things, certain lesson like you need to class participation marks, so face to face is better, whereas if you look at zoom right it's those me lecture tutorial style so like, is better


, [orh]


but like that you


you see my phone <mandarin>的:de</mandarin> application the sound wave is much, lower lor like less than height than yours


then, oh, really, maybe it's just the scale, test test test okay it's the scales, know


wait so are you talking about, oh


, oh, but you like that, cause last time we did a learning also, but, err like, don't you feel like the learning is different


it's it is not memory wise is not very sticky, then <mandarin>你可以专心:ni ke yi zhuan xin</mandarin> meh


, so it's like


(ugh)


so <mandarin>你会一百巴先的专心:ni hui yi bai ba xian de zhuan xin</mandarin> lah


have your undivided attention, mmhmm, or like


like what, well


(ugh), those administrative stuff lah is it like time table module guidelines assessment wood bricks


for, oh


oh, okay, okay


so long, (ugh), then, normally pre-recorded is power point for you


[orh], actually <mandarin>他们可以用:ta men ke yi yong</mandarin> zoom then, record lor


one lesson I took also same thing, like it's a power point then each slide they just do a voice record over each power point slide, then, to have the recording to be auto played you have to, go to full screen mode and click


next slide next slide next slide right the it will trigger the auto play right, then


oh, but you can find the, you can find the the recordings slide, like the recording button


oh, no leh I think I think it's the same, it's the same feature, but, but, but you will have to manually click each slide the recording what right, then is there any animation from the slide


oh maybe maybe it's the same feature but like mine was like, the lecturer drew on the slide so to see the animations you have to, click on full screen then trigger recording, I


get it, ya then will trigger the so call animation of the drawing


export as video MP four file, like


, then <mandarin>他们的老虎:ta men de lao hu</mandarin> leh, [orh]


, (mmhmm)


watch webcast, watch webcast, (ugh), (ugh)


but, [orh], then how your how your, classmate compile one


wait, MP three, [orh],


uh, okay


, timing wise I guess it was okay, just felt a bit harder, and felt heavier too


or eleven, no lah it's just like one half round more then two point four


then, what is KM, you know is


mile is just, the imperial, imperial unit of measurement used by only united states all the other country in the world you see CM KM meters, like they use miles inches


and I don't know what lah, ounces, ya but we use millilitres and litres use ounces, only the US stick to this archaea unit of measurement


why you call me nerd, whether they can hear it hor, the AI machine now that I ask


I don't know eh what when I, when I ran yesterday I woke up with my trapezius feeling pain, yes, I am a old man, you got that AI researcher


really, transcript, only fifteen minutes, went to brinjal road, AKA brinjal park and one only you know lah


I went there to eat, mix rice, AKA Caipng, C A I P N G, or can go to instagram search lor, C A I dot P N G


and I bought, cause my class six thirty to nine thirty later and by the time I reach home will be ten ten plus already eh and I sleep at twelve so will be too late to eat, so I have to eat dinner at five-ish


before I leave your house to go to school, so I bought dinner as well and I bought, #char siew#, in english is called


#char siew# roasted chicken rice add egg, , I went there with my mother and my maid


then they recognise me again, they're all my friends, it's a neighbourhood Kampung spirit, !wah! very hot leh, PSP three seven zero one c


strategic management, is a core module which is meant to be taken at the end of after you have taken all twelve core modules, is is, it'll be taken by all business


and accountancy students I think, where, where like you know got strategic management, how company is supposed to be structure operate I think so I don't know


but I thought it's taught by this guy, who won teaching excellence awards for furious and it's why I took his mod, so I chose for his time slot ahead of, to other people cause there are three lecturer teaching this mod, and he is director for some


err research institution, which is an affiliation of NUS business school so it's quite, it's quite Zai and, good in teaching so, ya, yes I can see you are currently bored now


[orh]


when like first you can go like, go online or


so I don't know how it works also


wait, three business modules, then one is allocate one is


OTOT, another one is I don't know yet because, there's sixty one students in a class, so safe distancing rules entails that, you have to take fifty but, but


there's only fifty capacity max and, physical capacity of around fifty also, so I don't know how


yeah, I think <mandarin>是因为我那个:shi yin wei wo na ge</mandarin> dean <mandarin>新的:xin de</mandarin> dean <mandarin>刚刚上任而已他们讲他讲要:gang gang shang ren er yi ta men jiang ta jiang yao</mandarin> like, like, like as much as possible try to be online, ya you know be physical


unlike our rivals we can deliver, err, a physical learning, cause ultimately physical is better mah, for learning and instead of convenience, so they from they extended teaching time from monday to sunday eight thirty to


ten or eleven PM, just like I have classes at eight thirty AM on saturday and that is pretty much unheard of in my past, six semesters in NUS, so you like very Siong lah, then


then, apparently there's this some protocol that we have to abide by so like, since you can be either online or zoom well you know, while the class is live, I I don't think there's pre-recordings that's ah aside from that point


it looks lah but, like how it works lah but like, after you class part then like, the class part using zoom, so like so like zoom students can hear us speak up in class also, so I don't know how, but the thing is the thing about this thursday night class is cause it's thursday night I think


there're only seventeen students <mandarin>十七个:shi qi ge</mandarin> registered in this module, like, very weird, very weird like that leh like <mandarin>很奇怪:hen qi guai</mandarin> like


then like if like all people like if they lazy or what then like maybe five people in a physical classroom that like, like <mandarin>整个:zheng ge</mandarin> auditorium, can seat two hundred people then like end up five people then like very awkward like that leh


so I don't know how also, ya, then got some is like another of my, of my module is like conducted in the lecture theatre, you know two three hundred people also so like


so I don't know how also, but all is very early morning class, so ya lor, yes I can sleep at twelve and wake up at seven


and be a early bird, unlike you, what time you been sleeping sleeping the pass few days, exactly, oh you know


(ugh), (ugh), , memoirs


then


(uh huh), you divorced her husband, oh


ya like, like


(uh huh)


why not, oh okay


like very strongly


(ugh)


uh, how do you find this book


but it's actually call a memoir meh I thought memoir is all like, from like famous people luminaries, isn't it called a autobiography instead


(ugh), okay,


why leh


(uh huh),


no lah but like, I don't know maybe you should read, (ugh), is there any other memoir you have read


(mmhmm),


okay


!yay!


, in that vain you know, why don't you read other stuff like other or read widely I say


maybe not unlike those personal recounts of experiences, in that diet vain


or weight loss vain but maybe like more nutrition fitness, entrepreneurship, social media strategy


(ugh) just cause of that girl lah, that dramatic girl, well


you read all on your ipad, hopefully, so you are a pirate, (uh huh)


, no lah but, so did you read my notes, where's my decision marking notes you throw away already, where


(ugh), why don't you read up those those very helpful, oh no shit, go and pick up later


got what


(ugh), eh


oh, read, read waiting for what, cool, so, what else


I've been sleeping like twelve thirty one I go to bed around twelve, and thoughts on lah I guess


then


that's all lor, soon <mandarin>有:you</mandarin> soon, soon <mandarin>要去上课了:yao qu shang ke liao</mandarin> lor


why ah, !ee!


, , thought you got your corner now new outdoor corner


do what


for, (mmhmm) you know I don't think you should like


you know, like use to some time to wake up lor, then like that means you way start the early lifestyle now, then you can sleep at twelve plus now


no I eat at normally two, for breakfast I eat two bun, three teaspoons of coffee


(ugh)


, what do you eat for breakfast normally, eat more, eat every six hours what seven one seven


then you fast for twelve hours, is like that one what no meh, ya fast like seven to seven the you don't eat anything lah


no you fast like you don't eat anything lah after dinner, like six twelve six, that's six hours also, I don't know, you never do snack in between one


so you hungry also never mind what <mandarin>没关系:mei guan xi</mandarin> lor, uh, you eat more lor I guess


oh never save for me, (oo)


(oo)


(oo), (ugh)


no meh, (ugh)


yes, I very good one, (ugh)


baking <mandarin>什么你煮东西有:shen me ni zhu dong xi you</mandarin> bake meh, (oo)


then seasoning leh, (oo)


(oo), (oo)


(oo) you blame me, (hmm)


then you want to try where, on notion, (hmm)


like for <mandarin>多一点人:duo yi dian ren</mandarin> then like, like like US you know economics of scale then like it's cheaper


easier cause like more ingredients, more, like easier to cook what


, better ah


, (ugh)


normally you just do everything yourself meh <mandarin>你你准备:ni ni zhun bei</mandarin> then ask, wash thing


well that's a start, why, bake then <mandarin>煮好了:zhu hao le</mandarin> then <mandarin>等等等煮好:deng deng deng zhu hao</mandarin> bake <mandarin>好顺便:hao shun bian</mandarin> just


teach her lah


, (oo)


it looks like, looks like you'll always be at home, for what


today is the fifth fourteen, fifteen, okay what, but that's your monthly budget right


oh


don't need go Gai-Gai, shopping, this week <mandarin>我没有出去:wo mei you chu qu</mandarin> mah, (oo), (mmhmm)


ya, this week tomorrow I very busy, whole day busy I think, maybe pockets of one hour I sign up like, tomorrow I have four or five meetings all core


then, saturday morning class, after that straight away got meeting, then may go back eat lunch chill a while then go training already then that will be dinner time already


then family also going out, (oo), for your new corner


don't have spare chair meh, (oo), but if raining that time <mandarin>会湿:hui shi</mandarin> mah, then like wet


(ugh) close window, cannot close meh, there got blind lor, (oo)


like that you can, uh you should, make it very cosy then you can like go there sit down or something, or like maybe can put one chair lazy chair there, your new throne, then like sit there bring your throne in


you know like put something lor clean the floor lor, then the floor dirty then how you


how you going to, you just barefoot when someone sit, (oo)


might as well clean the floor, ha got bird come in, got bird <mandarin>进去的:jin qu de</mandarin> meh, put mosquito net


(oo),


, plug


really meh, no meh


, well, twenty fourth <mandarin>是:shi</mandarin> on monday


twenty fourth <mandarin>是:shi</mandarin> on monday, (oo), online or like the computer lah


FTT VTT, but must go there meh, , , eat the Amoy, after that the Caipng nice


err, oh, actually have err


no monday twelve to three free, can meet you twelve to three lor, or you Dabao for me, !yay!


the curry Png there very nice, you say you


actually it's like a monopolies sia they, you pay so much always, ya but that's just how it works


international plaza right, then where you thinking, ya, it is #tajong pagar#,


I think it's international plaza, they used to be very hood, well I did another six months there, it's just right across, thought you went there before


(oo)


you go and do all, but when you do you got like you don't refer


then like new time conditions, what's the what's the timing what's the format, what, hundred and fifty MCQ as in three hours so that's fifty in one hour


that means five in six, which means one in, one minute and, two point two times sixty, one in


one minute, one MCQ in one minute and twelve seconds, but is it like easy, is it is there a lot of higher order thinking, just surface lah


(uh huh)


uh <mandarin>教你:jiao ni</mandarin> lah like <mandarin>教你:jiao ni</mandarin> must do this do that that A B C D


like the <mandarin>捕捉:bu zhuo</mandarin> lah, oh, your anatomy, but isn't it very is the MCQ options very hard very tricky or is it very quite clear cut


how many you do, oh !wah!, in how long


but this type of thing is just like keep doing and doing and doing see how much you can retain, isn't it, is it open book no right close book


but how confidant are you,


!whoa!, almost two more two more weeks, you need do you need me to test you


oh


!haiya!, then your tuition leh


like <mandarin>会吃:hui chi</mandarin> a lot of, does it take up a lot of time


, is it your notes


(ugh), why, you will be strip of identity anonymise


ya it's a it's quite cool eh apparently it's like a AI, training training the, the the machine on board


to like, do translation or something like that, !hannor!, I don't know how they do


and don't know if they can do speech to text though, if speech to text then like !hannor! then like if it hokkien then all the <mandarin>腔:qiang</mandarin> hor then how, then have a lot of questions marks


!hannor!, but this one can only speak english or <mandarin>华文而已:hua wen er yi</mandarin> mah, like <mandarin>如果好像:ru guo hao xiang</mandarin> <NEN> then, then how


(mmhmm), so you are going do your PT job do you think you have to give up


low commitment


oh, then you have to give up one thing what will you give up,


really, half first half of the sem lah, that was so long ago, really meh, last time also


what, really meh, (oo) why can't see you, you know one thing I want to do


but like some time you need variation what


(ugh)


!ee!, !aiya! just, just remember that, it's a marathon not a sprint, so, you always have to monitor for burnout and give yourself breaks


that's what I learn, (ugh), that's what you say now


will you, but it's a pet, is your pet project or what, your baby


no your progress will be gone your traction of working will be gone, (oo)


is that the lamp that you that we saw that day


then now


, , then you put there for what


like one more pot of plant there what


oh, one hour already, !ee!, one hour ten minutes and ten seconds, I don't know do you want to stop now


okay, need to clap, you want to clap for fun, what if we record record then like we get rejected


okay


hello long time no see, !wah! <mandarin>我们最后几时见面:wo men zui hou ji shi jian mian</mandarin> ah, oh ya chinese new year


this new year is, oh, , same old same old


ya studying leh, err, business management ya <mandarin>在:zai</mandarin> #ngee ann# <mandarin>的旁边:de pang bian</mandarin> you know ya ya ya


oh, eh then why I never see you in school ah, in school meh, oh wait oh ya now COVID hor


(ppc), , (hmm), then, what the <mandarin>为什么四百多块:wei shen me si bai duo kuai</mandarin> but is it because of your hair


ah, !aiyo!, that day that day hor my mother bring me go #toa payoh# salon right, then the aunties err


china <mandarin>中国的啦:zhong guo de la</mandarin> then she <mandarin>帮我染头发:bang wo ran tou fa</mandarin> [orh] !wah! damn <mandarin>出力:chu li</mandarin> eh like she damn <mandarin>粗鲁:cu lu</mandarin> she go and pull my hair [orh], like my head gonna come out sia, then , then after that okay lah but because it's


but, to go through <mandarin>那种痛苦:na zhong tong ku</mandarin> hor !wah!, cannot lah, okay lah I mean I rather <mandarin>还六十八块:huan liu shi ba kuai</mandarin> lah


ya, a bit <mandarin>干:gan</mandarin> leh like the ends hor, [orh], really meh can buy meh oh


I only buy hair oil, [orh] ya but like when I wash, hair [orh]


I don't dare to then some more I put the nail then !wah!, cannot leh, you know, too dry, ya but I <mandarin>掉很多头发:diao hen duo tou fa</mandarin> Liao lor ya I still dropping leh a lot


really must <mandarin>扫:sao</mandarin> sweep through, (uh huh) oh my oh ya then like don't know put fake bangs hor so long eh that one don't know how many days already


my nails, ya


then, #ngee ann# study what ah err, product design so it's like <mandarin>画画:hua hua</mandarin> one you know then I think she quite talented ah she can draw, but I also never expect her to go do this nail thing


err I think so she say she stopped ordering cause eh she gonna stop soon cause school wanna start like august, eh I think so leh


I think for other, should be [bah], ya, oh


how much she charge, gel ah, !huh!


that one outside [orh], far east plaza [orh] <mandarin>三块而已:san kuai er yi</mandarin> though <mandarin>三块:san kuai</mandarin> eh what the hell cause the non-gel one cannot last long one like that will peel off very fast !wah! <mandarin>还有人跟她做:hai you ren gen ta zuo</mandarin> ah


[orh] oh !wah!, hair salon what's the salon name sia, [orh] what the hell


OMG, same age as you, older !wah! !wah!, so


oh


!wah!, !wah! <mandarin>她:ta</mandarin> just <mandarin>开:kai</mandarin> then don't need to <mandarin>教:jiao</mandarin> one ah, then she don't need to teach


oh, oh then the rest is just she hire people to, , [orh] !wah!


!wah!, !wah! <mandarin>这么有钱:zhe me you qian</mandarin> !wah! <mandarin>三只猫:san zhi mao</mandarin> !huh!


oh my god, it's like the life that people wants eh


!huh! sell what, sorry


oven <mandarin>不是烤的:bu shi kao de</mandarin> meh


, !aiya! <mandarin>当然啦:dang ran la</mandarin> , err


oh <mandarin>有新的那个:you xin de na ge</mandarin> korean drama, it's okay not to be okay, ya I just watch ya I just watch one episode


I just <mandarin>看:kan</mandarin> <mandarin>一个:yi ge</mandarin> episode <mandarin>而已:er yi</mandarin> okay but then the first female lead right, you know like like like how to say ah, , uh, she she's a


she's a character that, and then she's a writer also, so a lot of kids think she's a


like a princess ya cause she look very pretty also mah ya then the just nice the <mandarin>男主角:nan zhu jue</mandarin> also, also same kind one like, like what's that called <mandarin>冷血:leng xue</mandarin> lor but then like they met like since young


uh no they are not technically together but like last time <mandarin>小时候:xiao shi hou</mandarin> the guy like her, then after that realise that there's this scene that she picked up the butterfly right, then she teared the butterfly ya


she she tear the butterfly into half then the small boy he got shock ah then he drop he wanted to confess like <mandarin>给她一束花:gei ta yi shu hua</mandarin> you know then after that he saw <mandarin>她吃:ta chi</mandarin> hor !wah! then he drop the flower then he run eh


then never see never see him again sia, then after that I think, they met again cause she's a very famous, I think quite nice to watch, I think it's this but then the first two nothing to cry about lah


cause (hmm), like she got a lot of stories behind that made her very cool lah like her mum her mum is also something like her like that, then, the father hor wanted to strangle her to death


ya but she didn't die lah but then ended up the father, ya, !wah! I tell you this one crazy then, she don't want to save the father mah then after that the father eh the nurses at the psychiatric hospital the <mandarin>神经病院:shen jing bing yuan</mandarin> right keep


keep like, calling her to like sign, the surgery lah to <mandarin>动手术:dong shou shu</mandarin> so that he can, can live longer lor then turned out the nurse, that, bring the what's that ah


primary school friend or something ya but since young she look damn scary and cold blooded already, you should watch ah, you give me to watch mah then I watch lor that's why the shows that you watch I never go and watch also cause later will mess up mah ya then I never


ya, nothing much to do meh, you got do your eyebrow or your, face or your eyes then ah


, really meh why numbing [orh], oh, !ouch! how much sia


uh, oh oh it's #qing qing's# mother ya but like pain eh everytime see other people do hor


!huh! then you should ask for more, how cheap is cheap sia okay ah hundred plus, !huh!


is it


phase three <mandarin>现在不是可以了:xian zai bu shi ke yi le</mandarin> meh, oh <mandarin>对:dui</mandarin> [orh]


, what's that called ha, eyelash ah then, then <mandarin>我不懂我做:wo bu dong wo zuo</mandarin> for what leh because <mandarin>都没有出去:dou mei you chu qu</mandarin> then I go and <mandarin>做:zuo</mandarin> hor !walao! <mandarin>六十八块:liu shi ba kuai</mandarin> eh <mandarin>浪费我的钱:lang fei wo de qian</mandarin> then like some more <mandarin>一直掉:yi zhi diao</mandarin> [orh]


, then I use like maybe four times, so I left two times lor then maybe like got event then I go and do again


don't know leh maybe because, it's the new one what I upgrade, mah, then it's like, the lady say is the lady say is don't know those <mandarin>比较:bi jiao</mandarin> soft <mandarin>的毛:de mao</mandarin> I don't know lah like soft soft one ah then you go and do


then after that like very full so few days later like I don't know why very easy drop mah, then when it drop then I, I see like !huh! very empty ah then I go and ask her but actually no eh it's fine it's like still got a lot, but it just looks very like


empty lor then she <mandarin>给我:gei wo</mandarin> free touch up, ya ya eh no no not that girl, she's not the <mandarin>老板娘:lao ban niang</mandarin> sia I thought she is eh, I thought she is eh


the one that help you do right <mandarin>她不是:ta bu shi</mandarin> eh she say, she say <mandarin>我不可以给你这个价钱等下:wo bu ke yi gei ni zhe ge jia qian deng xia</mandarin> [orh] <mandarin>我的老板什么:wo de lao ban shen me</mandarin> then I eh don't know sia is it


cause she ask this like , ya but she never really help me so I don't know also, plus ya the girl like quite <mandarin>听到她的话:ting dao ta de hua</mandarin> leh


!aiyo!, dare to intro that kind of shit ah, ah


oh ya then, oh ya


oh, oh ya hor


that's why I feel like doing lash leave eh, so like I do myself lah cause I thought like ya, but then you must go and lie down there, actually quite fast ah one eye


maybe like twenty minutes only, you can do also, I do one eye at a time cause you cannot see mah ya that time last time sherri do <mandarin>她的毛:ta de mao</mandarin> hor zigzag <mandarin>的:de</mandarin> leh


, then the things move, damn funny ya january also cause I intro sherri what then sherri tell them ya but they didn't know it's from me lah just thought it's sherri ya


ya lor oh my god <mandarin>讲到:jiang dao</mandarin> sherri hor <mandarin>昨天我:zuo tian wo</mandarin> dream <mandarin>到她:dao ta</mandarin> eh I don't know eh, is it ah is it her ah, dream of her don't know go


she never even say hi or what don't even have a group, three of us eh, you find for me to see, don't have lah


ya, cannot click lah, ya a bit different vibe


ya, , I cook, err <mandarin>麦片:mai pian</mandarin> uh oats, oats [orh] then I put I like to put oh ya I like to put uh <mandarin>麦片:mai pian</mandarin> with banana


cause you know <mandarin>麦片:mai pian</mandarin> no taste one then !wah! damn disgusting one time I cook hor !walao! eh <mandarin>吃了要吐:chi le yao tu</mandarin> eh not even kidding sia cause I never add sugar mah then I went to uh put, err what's that ah, err, banana ah then I put the whole banana inside and smash it and then I cook the oats eh damn good no it's damn sweet !walao! eh <mandarin>你恶心:ni e xin</mandarin> eh <mandarin>你:ni</mandarin> banana <mandarin>很健康:hen jian kang</mandarin> eh then <mandarin>你有没有吃:ni you mei you chi</mandarin> banana cake


!hanna! then banana cake <mandarin>好吃:hao chi</mandarin> what, banana ice cream, mcdonald's <mandarin>有:you</mandarin> eh that day <mandarin>我:wo</mandarin> just <mandarin>吃:chi</mandarin> eh err banana mcflurry <mandarin>好吃:hao chi</mandarin> sia


ya eh <mandarin>这里有:zhe li you</mandarin> mcdonald's mah where ah, !wah!, , okay lah <mandarin>等下:deng xia</mandarin> hor <mandarin>我的:wo de</mandarin> stomach cramp eh


ya, that thing you just come only eh, when we have orientation


oh one month already ah, , oh, what are you gonna do the next, orientation


a bit waste time though !walao!, don't know I ask, then he say, err <mandarin>二十七号:er shi qi hao</mandarin> got one then ya, err international students I think


then got, september, eight ah, don't know [orh] two weeks three days [bah]


ya I think I cannot lah you can lah I I cannot , err


touch rugby, oh that one I very long never play already eh, COVID lor, but I miss playing ah, ya lah but then now no training also because ya COVID everything also COVID lah so I cannot do


cannot train, Bo Pian ah


but circuit breaker <mandarin>两三个月你叫我怎么:liang san ge yue ni jiao wo zen me</mandarin> exercise, ah !huh!, ah


oh my god, !huh! like super skinny or


what the in how many months I also want to <mandarin>瘦:shou</mandarin> twenty KG, (ppc), twenty KG <mandarin>不会:bu hui</mandarin> lah, ya meh, what


you my friend for so long you don't know the story


, okay, so err started from poly like I was in PFP lah


secondary school <mandarin>就玩:jiu wan</mandarin> netball Liao what, but then, so sad [orh] #ngee ann# <mandarin>的:de</mandarin> netball, damn, good, like damn, damn strong like they have been, champs, for like years eh like consecutively, ya ya so, like, I went for trials lah I should've went for


trials on, during PFP, but, I never so I only go in, in year one, so technically it's from before N-level the step down period until year one [orh] I never exercise, so technically <mandarin>我的:wo de</mandarin> stamina <mandarin>已经完蛋:yi jing wan dan</mandarin> Liao


then I still go for trials you know then I cannot play lah then after that, the coach got ask, me err which secondary school you from like ask everybody, so I say like I'm from, #guang yang# lah and then back then #guang yang# netball was like trash ah, so like he give me the look lah then I was like shit lah then I know I cannot get in lah then I was like !huh! then which CCA should I join then I have a friend he join rugby mah then I didn't know there's touch rugby then he say chloe you go and join I wanna see how you play eh cause like oh that one


don't need cause I want to be in competitive team what then just nice touch rugby back then don't need to like don't need to don't have referee mah so I go and join lor then I continue until now but I wanted to quit halfway lah, cause I too stressful already, ya


well, this year, four or five, ya, ya, but <mandarin>一直打球我脚很粗:yi zhi da qiu wo jiao hen cu</mandarin> eh


four or five ya, ya, my legs still quite, strong eh cause my leg is always the strongest mah then after that like !aiyo! I rather lose it eh too big


, oh my god, !wah! fifty push up is a lot eh, I can never do fifty sia


ya because you so small,


okay lah but you, still look, you're just small, lor, easier to build strength [siol], the fitter days


, maybe I'll play for one year, ya but, then I don't know eh ya I did


third place


<mandarin>很多比较厉害的:hen duo bi jiao li hai de</mandarin> you know back then even <mandarin>我在:wo zai</mandarin> #ngee ann# we also never, podium, placing cause then when we grad then go uni then there are more potential girls


ya, ya so, like err east central and west


they combine together, into one team for all the basketball also, like all teams ya it is like that one , so like the better ones will be in a team I think, I don't know ah but the touch rugby is not good ah, they always last place ah


standard one ah, five, ya top four top four will go to play IVP with uh, uni, ya but if only top four only if


eh top four only if one of them is the host, eh, how is it ah, I forgot already sometimes only top three, if let's say if let's say unis are the one hosting then top three


ah, but if we hosting like the, polys hosting then top four, ya, ya lor


you know <mandarin>我是大角色:wo shi da jiao se</mandarin> leh, then <mandarin>去了:qu le</mandarin> uni, but okay lah, experience ah it's not that bad ah but I think I, will stop, a while cause, I don't want to, gain anymore muscle mass


too much ah, small workouts here and there it's fine but then like, if you do, just tone yourself, too lazy ah, eight forty five ah


leh, no but, like, you, need to like, meet them all over again then when you work out, I don't know like


I feel like sometimes when <mandarin>你:ni</mandarin> exercise and you do circuits right, you should, do alone because you can, focus on yourself mah,


, but I saw the Changi business park <mandarin>两个星期:liang ge xing qi</mandarin> twenty nine eh but Changi lah !wah! twenty nine so cheap


(hmm) that's quite true, so expensive eh


(mmhmm), ah, 哎, oh they, say that before I never hear that leh, sia


ya, [orh]


but <mandarin>你有球:ni you qiu</mandarin> mah, school got <mandarin>球:qiu</mandarin> meh


SRC one, oh ya oh ya ya correct


, netball's ball


korfball, K O R F what's that I never hear before also eh, just the words ah no pictures nothing


korfball actually, you know singapore got, a lot of sports that are not recognised, like they don't participate, in olympics, ya like touch rugby like if let's say no if let's say like we go and play right is all, all


err what's what's that called ah <mandarin>自己还的:zi ji huan de</mandarin> it's not, the government pay, one you know like certain schools like you go for represent school teams national team right then like sometimes err the government will sponsor but then there are


sports that, they don't recognise in singapore which is touch rugby lor, then maybe the korfball also, very very limited sports, as in like it's not very common in singapore


but in like new zealand all these right there's like they hold, tournaments ah, but when singapore, participate in those tournaments right we we pay ourself as, association ah, singapore, ya it's not like a government will subsidise kind of thing no so even if I want to go find time also cannot really go cause like ya


Bo Pian ah, because this kind of thing, the more common sports like what basketball, soccer you know


miss PE lessons ah last time you know primary school got those uh, like you stand one line then I remember I, dribble basketball, dribble damn bad !wah!, damn fast you know


then after that like primary school got a lot of like those funny funny competition, aeroplane competition, ya like, paper aeroplane you throw see then see who's the furthest you know hor err I don't know if it's PE or what but it's like a legit competition kind of thing I got first place in my class eh then I got the cert hor then I represent represent my class [orh] to fight with the other classes eh


really hor then I flew my aeroplane right, I got the I got the cert you know ya oh ya ya a lot of all these kind of primary school leh then secondary school got macritchie run cross country so girls will run three point two KM


ya, like lower sec, versus, upper sec kind of thing, then I I, one, all four years, I run, eh, ya all four years I ran then the last year I never run, very fast, lah cause already like N-level mah then you step down then


then cannot already, then after that err, ya, I've, eh the first time I got like what sixteen place, no lah sixteen place uh only top, twenty got medal mah


!walao! upper sec lower sec got so many girls, leh, girls versus guys also lah then I think sec two I got like what fourth or was it sec three, I don't know, got twelve sixteen and four medal at home last time !wah! last time hor I tell you !wah! I must really tell you


damn good I can run right, cause the, basketball court, and the netball court, is, like considered connected it's like the parade square, then, hor


like I can, continuously just run and run and run until twenty rounds lah because it's like, what's that suicide round, or some, my coach make us run lah then <mandarin>我有个朋友:wo you ge peng you</mandarin> hor she say, [orh] <mandarin>可能两三圈:ke neng liang san quan</mandarin> hor <mandarin>不见:bu jian</mandarin> Liao bye bye


, she really don't know <mandarin>跑去哪里:pao qu na li</mandarin> sia then I just own self run then I never stop then maybe that's why my calves become so big, cause like all the muscles is just there, like now


two point four, , twenty minutes okay lah


now also don't have lucky we don't have IPPT ah, if not we will die, ya lor, you know <mandarin>做兵很累:zuo bing hen lei</mandarin> leh


!wah! <mandarin>很多:hen duo</mandarin> pimple hor, ,


ya, but outfield how many days, okay lah sometimes I two days never wash hair, that's why they Botak mah Botak then nothing what they can cut again


ya short hair oh ya hor


point of time, !wah! thank god eh, it's not real eh I will die eh my father, he say, cause, must be clean, clean what then like, all damn dirty eh


post what, my god


oh like the, head there <mandarin>的:de</mandarin> cupboard ah, right, ya it's like near the ya


oh my god oh my god


then


I see, I see !huh! then how, !huh!


depends lah some people can some people, you know my my, tell he at bunk then he, his bunk is all, the Wayang king, then !wah! that day he damn angry cause, cause uh his side


and some of his friends go and peep at other people bunks at night to go and see then my like go and look at other people sleeping lah then then my <mandarin>姑姑:gu gu</mandarin> say [orh], my <mandarin>姑姑:gu gu</mandarin> say !hannor! <mandarin>难怪人家看到鬼:nan guai ren jia kan dao gui</mandarin> lah <mandarin>应该是你们几个在那边这样:ying gai shi ni men ji ge zai na bian zhe yang</mandarin> then I laugh eh cause maybe


ah, but I also don't know lah then you go and do this kind of disturb people thing you know, my brother really ah ya, then that time his hair cut really damn short already then his bunk got this, Wayang king go and ask, the platoon sergeant <mandarin>要剪头发:yao jian tou fa</mandarin> mah !wah! then he damn #du lan# eh he was like <mandarin>头发这样短:tou fa zhe yang duan</mandarin> Liao <mandarin>剪什么:jian shen me</mandarin> but ended up he go and find the


barber shop and go and cut lah means means, like want to hardcore ya yes like Wayang no no no those weak the Wayang one ah funny oh then he say that time his platoon they need to march right don't know like some competition or something lah then his platoon really damn Wayang [orh] they go and polish his boots


for my brother leh, my brother just


!wah! my brother tell me I was like oh my god but then end up they win ah cause their, nobody go and, polish when you are a fucking recruit what then he say his friends everyday polish <mandarin>每天坐在他面前:mei tian zuo zai ta mian qian</mandarin> damn Wayang eh


then his, I don't know leh maybe some want to sign on ah some want to like, I don't know, disgusting eh maybe ah they are like poly mah poly kids quite nerd-ish ah see the pictures also damn funny


still can polish, that kind of shit [orh] insane lah, [orh], then


oh, !huh!, [orh] ya ya ya ya that time my brother, got say


okay lah, some guys like army though, really meh


, oh my god what the hell


what the, , officer cadet school


!wah!, crazy sia, but like some people like army's different thing


eh my brother quite like army eh older older but he didn't sign on lah cause, when you then, if you sign on you cannot be officer, at most sergeant mah, but he don't want but he really like ah, because, he's the he quite fit mah ya then like when you do army you can like exercise that shit ya then like quite nice ah but then he didn't lor


should've ask him to sign on, , higher pay, he is not doing anything now studying


, don't know eh maybe something related to the bank cause his math very good, but mostly our math all very good lah


why sia, eh then how you gonna do APFM, you know can choose after, results out right, we gonna choose first eh


fifteen fifteen sept, never mind ah I just choose what I want lor, why sia, but you want to take POM right,


why, really meh why


oh


he always do it, student EXCO EXCO things, he only study very last minute one, everytime I see he like last minute that time prelims period, I got see him in school mah he study with who ah darryl they all


then he also like see ah I only at this chapter like know a front few chapters only, then how you gonna do well, I don't know lah but just his personal, advice ah, !wah!


russell <mandarin>真的:zhen de</mandarin> meh <mandarin>有人要他:you ren yao ta</mandarin> meh, who ah


he grad already meh, why, [orh], girlfriend


not <mandarin>我们学校的:wo men xue xiao de</mandarin> lah, [orh]


ya sia oh ya we all same OG hor, damn,


(uh huh), !huh!, then he just look at you all,


freaking <mandarin>怪胎:guai tai</mandarin> sia, he just standing there one hour leh no one looking don't say anything, or we just go, home sia, if you don't want to hang out might as well just go home FOMO ah, damn


!wah! he got he got show you picture ah, oh how old though eh !wah! it russell is twenty three is it


around around there ah, , but he got one more year what, so weird eh


oh, I find that we're, see all of them, I never talk to any of them, ya not even one


they talk to you, oh ya, they got Jio you <mandarin>打麻将:da ma jiang</mandarin> [orh], no


never, like that lor, eh, no you hear wrongly lah, just a friend


everybody, is my friend, (mmhmm), no lah


boring


!hannor! <mandarin>我想去唱:wo xiang qu chang</mandarin> K leh, ya, , right it's called <mandarin>夜店:ye dian</mandarin> right


I just don't want school to be online, I don't want I want to go school, ya, I I don't want to stay at home, at home [orh]


it's like okay maybe if you go friend's house maybe still okay but then like, if you stay at home it's like it's too comfortable, ya I think I will


if not I at home really cannot focus also, and on your laptop


oh my god, for people like you ah, no, formal got what got formal meeting meh


oh oh ya you know now meetings on mondays right that day, ya but no diff eh I feel like <mandarin>星期一:xing qi yi</mandarin> and <mandarin>星期三:xing qi san</mandarin> got difference meh


I also don't know I never go and ask, ya they also ask me I say okay lor, I think


ya they keep asking us to send the form right, then !huh! that time we got how many ah, few hundreds [orh]


twenty [bah], change it to com lor, don't know eh <mandarin>七八个七七个:qi ba ge qi qi ge</mandarin> I think, ya <mandarin>七:qi</mandarin> times twenty, !wah!


oh my god, !aiyo! how ah, one [orh], food


your freaking, , I want to eat the, well ya lor, I like the school <mandarin>麻辣:ma la</mandarin> is very different from, outside one eh, like don't know why


then you know got the what chicken the taiwan store, !wah! I love it man, I wanna go back school, if you don't want to stay, go back school still can dress up


then <mandarin>你这样:ni zhe yang</mandarin> lah


ya <mandarin>你盖住你那个:ni gai zhu ni na ge</mandarin> lips


okay lah that's true lah, ya but then now now you, you never go school you also keep going out also must , don't have meh


ya lah, you take to where Sengkang, oh Khatib, you go highway is it, [orh] opposite Khatib is it


fourteen, this call fast ah


but everytime after that you go your <mandarin>男朋友:nan peng you</mandarin> house ah, is it very very near [orh] no wonder, but wait you take eight five four from Khatib <mandarin>几个站:ji ge zhan</mandarin> sia


still thinking if I should go, are you gonna extend, that time charmaine one her one extend right, [orh] [orh]


how many more days


that time I wanted to Jio my touch rugby friends, ya I wanted to Jio some of my touch rugby friends go F Y five mah, then they ask me go and uh go and check out class pass online, !wah! damn expensive, leh one, pass is like, okay you pay, forty nine dollars but you only can go seven times eh or less ah <mandarin>很贵:hen gui</mandarin> leh


I mean is more worth it because you unlimited mah, oh is it


what's that


but you go you wear long tights right, got people wear shorts, and sports bra ah, cause I don't have long tights, insecure mah


my body, my body lah, oh, absolute ah


absolute that time my friend went, got a lot of the cycle, I think quite ex eh


, quite, why you can zoom with me


ya cause you don't have to spend, money you just do it at home, what or I can come, find you, we can stadium and do, then you don't, need to spend so much money just need to, woodlands stadium we wear sports attire


and we go and run and, do ourself or we can don't need run we can do at the STPE's there then you own self go and create your own circuit you time yourself also the same I mean okay if you do with a friend then is the same lah but if you do alone then no lah cause you will slack a bit ya


but your four point F Y five they got scream at you meh they will keep motivating you right


then, , oh shit then how then you change, back what exercise was that, [orh]


[orh] want to play cheat ah , but you just need to do certain exercises correctly


then it will work, what if you, do so many but you all do wrong then also no point mah, ya, you let know lor, if you want to do together lor, and Jio darryl ah, is it


can do at like car parks, ya she told me she say, eh I pay for, darryl we all go together then I ya


don't, oh ya that's why she say she want to pay right, Siao eh, she pay for me lah, really meh why


and that's why she says she you wanna be right ya


, which is good also, but alcohol spend more money, than all of that eh


but he willing to splurge on, what, at least he dare, which is really if he also don't, willing to splurge then


(uh huh)


eh hello long time no see ya, I think chinese new year leh, damn long already, more than half a year Liao leh


january bro, february, I also don't know leh, what have you been up to, same old <mandarin>还在读书:hai zai du shu</mandarin> ah


business management oh the Clementi one oh me also studying ah


ya, also same lor same business course lah, have what, as in now now COVID <mandarin>都看不到你:dou kan bu dao ni</mandarin> you see <mandarin>你要看到我:ni yao kan dao wo</mandarin> meh


, , eh you know recently, !wah! damn expensive leh


maybe I think my hair quite long also, you leh did you do anything to your hair your hair now also golden,


so cheap leh <mandarin>这样:zhe yang</mandarin> ah, but


eh but nice leh your hair, must do treatment lah like buy the hair treatment do yourself at home, ya


I think treatment better eh I feel like hair oil, ya ya ya ya ya ya maybe


I also don't know I understand ya ya lor ya lor, ya, but your hair so thick, really meh


ya my hair also ah you know I saw somebody on TikTok uh she collect all the hair she drop everyday then she stick onto ya I think you see before also she stick onto the scotch tape, then she'll comb her hair damn gross leh


ya, then you got eh then I see your nails your nails pretty leh, ya where you do one, (oo), !wah! <mandarin>你朋友:ni peng you</mandarin> design <mandarin>的:de</mandarin> aheh <mandarin>那你朋友很厉害:na ni peng you hen li hai</mandarin> eh


then, oh [orh]


but she do only during this circuit breaker ah, [orh] so she only do press on nails, [orh]


so they have to do on people hand one ah, , oh I have a friend, also leh I think like she, she used to do nails for people until quite successful leh


I very shook I very shock ah, that, just by doing this can become so successful she charge quite a lot ah like, for, no for what's that ah classic, non gel the normal ah


it's ten dollar if it's on sale, ya ya ya ya ya crazy eh ya lor ya lor exactly exactly so even for that <mandarin>她也是:ta ye shi</mandarin> charge <mandarin>蛮高的:man gao de</mandarin> ahlor


I don't even know ah it's my ex-boyfriend's friend, ya crazy eh then she can I think she can go local U one but she decided not


ya, crazy hor, a bit older I think maybe your age or maybe one year older than you, ya, some of them


you know I got another friend, no you know <mandarin>讲到这赚钱:jiang dao zhe zhuan qian</mandarin> mah I got another friend


cause she's the middle man or she opened a, I think musical instrument uh, agency [bah] I think music class agency she only teach the #ang moh# pay a lot kind


she teach piano one, she the middle man lah like, so, err when parents want to look for teacher hor, then she will connect them lor, ya and she earn a card lor


then ha everything branded


ya lor, you leh how's your you recently do what ah, you sell


I don't know I thought recently what did you do


[orh] [orh] <mandarin>对对对对对对对:dui dui dui dui dui dui dui</mandarin> ya


!wah! <mandarin>那么孝孝顺:na me xiao xiao shun</mandarin> ah


oh I think I hear before that a lot of people watching now, oh, eh tell me about the story


oh [orh] (uh huh),


very nice person uh uh, [orh] [orh] so it's a couple ah


(mmhmm), oh, what the fuck


what the


oh my god, is it the show I don't know ah I heard


uh, uh, oh my god, !whoa!


oh my god, !huh!, uh


ah ah ah, [orh], that


!wow! !whoa! the connections, (hmm), ya I always see you watch eh you use my netflix account to watch right ya oh ya ya ya ya ya ya ya ya ya ya


but okay lah now holiday also nothing much to do leh, uh


the cream ya, then I can feel the blade lor ya really scary, like maybe hundred plus dollar only


ya oh I think you know her ah the #qing qing# ya ya pain eh, then the, ya I think her one is I also don't know lah I just


so cheap already don't complain ah hundred plus lor, ya, I feel like, I think the colour also not what I want leh, I don't know you see you see the colour


ya lor


ya lor, [orh]


or up [orh]ah ah ah ah ah


ahah,


oh still the same girl ah that you always go to <mandarin>老板娘:lao ban niang</mandarin> ah, !huh!


uhuhuh <mandarin>讲一大堆话那个:jiang yi da dui hua na ge</mandarin> ah


, ya all the <mandarin>老板:lao ban</mandarin> you see how they act ah you know it's <mandarin>老板:lao ban</mandarin> already ya if not you think some stupid manager


, ya dare to anyhow meh that time I went, to the exact same one, then, basically <mandarin>我有:wo you</mandarin> photoshoot mah, then <mandarin>我就去:wo jiu qu</mandarin> complain lah then the glue go into my eye also then <mandarin>很痛:hen tong</mandarin> then she just help me remove everything and then redo


and then she give me like there's this special new lash then uh the YY lash ah or something then she keep asking me to, err use that one <mandarin>一下:yi xia</mandarin> cause that one fuller mah ya then <mandarin>我死都不要:wo si dou bu yao</mandarin> top up, then <mandarin>她就就给我:ta jiu jiu gei wo</mandarin> discount lor


ya lor, ya I thought you have the kit


how long ah, [orh], so must do one eye at a time ya lor ya lor I wondering ah


, I thought the early in the year you also got do oh really [orh][orh][orh]


!wah! <mandarin>很久没有看到:hen jiu mei you kan dao</mandarin> sherri Liao, !wah! so weird I very long never talk to her already leh


ya lor, have, don't have meh, I think have eh I think have eh, if I am not wrong


but I don't know eh she just like always want to be friend friend with us but I just never really click that well, she too not crazy already we are too crazy already ya lor


and then recently, everytime what you cook at home ah I always see your instagram


ah ah


you hungry Liao ah


, oh ya you on your period ha, [orh], eh I think my one also coming soon, I think so,


one month one month already what, ya, very long already leh you see so long since since that time, now always now the online zoom zoom zoom, all the zoom calls


eh I think probably not, I don't know lah see how see how if you do I do lor how many sessions


[orh] only one day ah


(oo), okay lah if it's one day one session few hours okay lor, then international student one, I think we cannot lah we are too singaporean for them, they won't understand what we say


and then recently how's your touch rugby, why, [orh] I thought that time, I thought that time you play for school


[orh], uh, [orh], <mandarin>我看得出:wo kan de chu</mandarin> , <mandarin>你没有你在家里没有:ni mei you ni zai jia li mei you</mandarin> exercise meh


, really !wah! I see the photo then his caption on instagram mah was this is what it's called a transformation


!wah! I was like


I think <mandarin>瘦了:shou le</mandarin> twenty KG eh, ya three months lor


<mandarin>是真的:shi zhen de</mandarin> mah, , eh then eh tell me how did you start start touch rugby eh I never knew the story eh


ya exactly so I ask you you say now ah,


, [orh], [orh], !wah! that means they train very hard


[orh]


[orh] then you play how many years already


!wah!, !wah! <mandarin>很多年:hen duo nian</mandarin> Liao leh, , ya lor ya lor a lot of muscle <mandarin>我也是:wo ye shi</mandarin> ya but then once you lose the muscle hor you lose a lot of muscle strength also eh


I I last time, last time hor, oh my gosh, let me tell you last time I play basketball hor then everytime we want to do we'll do squats we'll do a lot of like those strength training one lah a lot of squats a lot of


push up a lot of leg raises, and wherever and burpees hor last time I can do fifty squats I don't feel a thing eh, and fifty push up eh, then you know now I go for exercise class hor like <mandarin>做运动:zuo yun dong</mandarin> lah like just to make myself move


ya and last time last time I still thought I very weak cause my teammates are stronger mah, and then you know basketball all the girls very big size


then afterwards, I I always thought like I weak lah but I never knew what truly weak is until now ah, now is really no strength eh


ya, maybe ah ya lah I think ah I'll never ever go back to how I was, ya man the fitter days, gosh


so in uni you playing or not touch rugby, oh, you got represent school ah [orh] not bad ah


ya ya, oh, [orh], oh, wait actually now I think about it poly is play with the ITE one right for the like the ITE


oh only one ITE, east central and oh !wah! then like that super competitive leh then like that their team will be like damn strong


[orh], how many polytechnics are there in singapore ah, so that means six people fight for three spot, universities


!wah! that is so tough, ah, what do you mean, [orh]


[orh], !wah! then that's super competitive leh six people fight for three spots, or four spot


ya lor, ya lor ya lor


true ah, !hannor!, , join me ah


ya sia, maybe if you


then you will drive there to fewer money also not worth you already you can dumb ah, <mandarin>二十九块:er shi jiu kuai</mandarin> you want to drive car to Changi from woodlands, ,


ya now exercising is very expensive, !wah! you know last time in JC, then my seniors comeback as like PE teachers like as a part time job lah then <mandarin>他们每次讲:ta men mei ci jiang</mandarin> cherish your time you now because like afterwards you cannot exercise for free already


then I still remember I never, I never understood it sia because like okay maybe polytechnic like a lot of people already don't do a lot of sports cause don't have PE class and all that except for year one or something ya then like JC still have mah then we'll always play like captain's ball


!wah! <mandarin>很:hen</mandarin> fun eh I miss it eh, and then you get the adrenaline


the different sports or a particular CCA lah


unless you set up a legit, CCA, if not you also cannot get it, right, but okay lah a ball also quite cheap only I guess, the the captain's ball ball is the netball


oh my gosh talking about balls, just now on the way here I saw somebody with a shirt that says singapore korfball, ah K O R F, I never hear before one eh


just now I think uh as in like maybe her back have ah but it says singapore eh that means team singapore leh, oh is it


oh touch rugby is not in olympics ah


ya ya [orh]ah


ah, !huh! so don't have government subsidy at all ah


true true true true, !wah! but, !aiya! I just really miss


junior college days ah, ya I miss PE lessons also


ah aeroplane during PE lesson, !wah! champion eh !wah! so fun last time my school also always have the what sports day


ya ya ya, ya lor, fun ah, !aiyo! !aiyo!, secondary school


oh you can, choose not to run lah


three point two KM run like you really run all the way ah what oh sixteen [orh] I thought sixteen minutes I very shock, oh oh [orh]


not bad, four, !wah! why your stamina super good one ah


[orh] okay lah like that so healthy, I don't think I can even run two point four KM without stopping already eh ya I think so as in maybe can lah but like I don't want to put myself through that torture anymore


ya ah, twelve ah now maybe twenty minutes, comfortable ah I <mandarin>累:lei</mandarin> already I walk a bit then like we start running again


ya lor !wah! I'm so thankful I'm a girl eh, don't have to do army like do national service


then the first thing I think about is my hair cause you know if you don't wash your hair very Gao <mandarin>味:wei</mandarin> very uncomfortable lah I don't know three days or something ah I have no idea ya but imagine you sweat sweat sweat sweat sweat


then got like smelly smelly smell then you wear your helmet, ya lah but after a while they grow their hair out already mah, ya lah ya lah true lah about hor, imagine girls we won't be Botak what if we do national service


on our face for three days, maybe if they subsidise my dermatologist, fee then maybe I can consider lah,


ya, ya ,


oh recently I saw my friend post on his instagram story that he has a supernatural encounter, in his, in his err what's that ah bunk ah, ya so right <mandarin>他讲:ta jiang</mandarin> err <mandarin>你懂他们睡觉那个:ni dong ta men shui jiao na ge</mandarin> bed <mandarin>是:shi</mandarin> in the middle of two cupboard or something ah <mandarin>他们的:ta men de</mandarin> cupboard


DD, then <mandarin>他讲:ta jiang</mandarin> he suddenly feel somebody err, grabbing his shoulder like massaging that kind ah oh my god but never massage lah it's just a hand there then, like go past


then, then err, at first uh he also never, think so much lah as in <mandarin>他就以为他的朋友在:ta jiu yi wei ta de peng you zai</mandarin> prank never <mandarin>没有想到:mei you xiang dao</mandarin> like


and <mandarin>不可能:bu ke neng</mandarin> behind <mandarin>我因为:wo yin wei</mandarin> behind <mandarin>就是那个:jiu shi na ge</mandarin> wall Liao what I sleep right at the wall there mah then <mandarin>旁边就是那个:pang bian jiu shi na ge</mandarin> cupboard eh, !wah! <mandarin>很可怕:hen ke pa</mandarin> leh


I think if I really really have to go national service hor, , ya ya ya, !aiyo!


ah, see what,


younger one ah,


oh but oh Wayang means, means want to suck up [orh] I thought like those purposely want to slack that kind


, well then he say that dan, PS platoon they need too much right


!huh!, !wah! <mandarin>他很像:ta hen xiang</mandarin> king eh


!wah! !wah!


all his


go and get into officer school ah, [orh] [orh], !aiyo!, !aiyo!,


!huh!


like really must go down, all the way, because now is the machine then the machine anyhow count one ya ya ya ya ya ya ya, ya lor, !aiya!


pity them, ya ya ya all the very egoistic one lah ya you know hor that time I saw this NUS, err I think like orientation group then they have to introduce themselves


so you say like, say your name and what's your previous school at, something like that one lah then he say this is his name then you know he say his previous school is what or not, officer cadet school !wahpiang! eh !wah! then like I remember like there's something else


then I think they also got like talk about other oh is officer thing one lah because like there are a few more like ask you to, ask you to introduce yourself and then like give fun fact about yourself his is all related to army one eh


so gross eh, younger brother [orh]


oh is it, ya ya ya


ya lor then if, if sign on okay lah <mandarin>铁饭碗:tie fan wan</mandarin> lor, won't get sack even during COVID also won't get sack, ya higher pay never mind what's he doing now I guess he's not doing anything now


okay so, oh ya at where kaplan right, so he is studying diploma, [orh] then what he want to do next time


, , no bad I don't like math, pain of my existence ah, I hate math, ah


ya ya ya ya oh ya ya you gonna choose first, Sekali I can't even take leh, ya, ya I just want to take principle of marketing


ya, then for the asset pricing financial markets, think about it lah, but I think I will have to think but really somebody said, is it marcus or is it darryl


I forgot who already I think darryl, say don't take APFM I really studied oh no no no no I think that time when I went out with my, uh one of my orientation friend, then afterwards, oh no ya is russell


really meh


oh is it, ah !huh!, oh


oh ya he say it's very difficult half of the paper is not in the syllabus ah, but the I also don't know leh so I also thinking about it


oh ya <mandarin>你懂他有:ni dong ta you</mandarin> girlfriend Liao, ah, err oh and also he working full time already eh, haven't he gonna study at night


cause I also don't know eh I never ask him why ah, ya he gonna take night class then he working already ya one month already eh during COVID can find love eh <mandarin>不错:bu cuo</mandarin> hor


some girl ah, I don't know very surprise also, ya


{mmhmm), then he, but he is also really very weird, so that time we were sitting at like, downtown there the the jet like the pier near, MBS there then we were drinking lah and then we were talking like talk about uh


invest also at first we were talking like mall group, ya then after that the whole group was talking about investment like doing business like business ideas and everything lah, then he just stand there, for the last like one and a half hour he


like he just stand there as in cause it's dark mah so it's not that weird lah, like that he's just standing there, or whatever, but I don't know like why is he not saying a single word, like super weird


ya, ya exactly, ya maybe FOMO, I don't know man


but okay lah I very surprise his girl's still okay one leh like his girlfriend ah have don't really like very average girl lah but still okay one lah, ya, like the dressing style it's all the normal blogshop style kind


ya, I don't think so twenty four, I don't know ah, oh ya then now he working at a start-up, as a project manager


ya I also don't know why he rushing eh to find a job, ya millennial lor, then hor, err still got who ah, oh recently I also saw


recently I also saw, what's her name ah, uh terry terry, oh you know terry came to buy noodles from me, ya, I very surprise, ya oh really


ya ya ya, I actually okay lah I also never I never talk to them lah as in they ya they talk to me ya, I very surprise, [orh] ya ya ya have have girl did he Jio you


oh he never Jio you ah , , and then how's matthew, last time he like you right, (mmhmm), no meh <mandarin>真的:zhen de</mandarin> meh <mandarin>骗人的:pian ren de</mandarin> that's what they always say that's what they always say


then how's your love life, all the dating website eh dating dating app


boring, don't have <mandarin>帅哥:shuai ge</mandarin> meh, then, that one also cannot help you ah, oh <mandarin>是:shi</mandarin> meh, , that is true that is true ya lor true ah true ah


ya, you, !aiya! <mandarin>现在:xian zai</mandarin> very boring eh everyday, karaoke <mandarin>都还没有:dou hai mei you</mandarin> open


so sad, hopefully [orh] maybe they will open by the end of the year


really, everyday you travel one hour go school you motivated to do it, I rather have, [orh] ya lah ya lah


true lah maybe you go out lah go starbucks, ya, but I love online class ah, I'll never be late, I just have to wake up like two minutes before class start


ya, eh I love it eh especially [orh] the meetings now, I can forget about it until the last minute then somebody like text me see you later then oh my god then I change a shirt then okay can on laptop already


ya I love it eh, everything should be online from now on don't need physical meeting already like especially all the formal meeting school online, ya sia like some interview or whatever oh ya I heard I heard for for the student recreational eh no representative council ah


is it, [orh], what what do you mean by no difference, I don't know eh why they want to put <mandarin>星期一:xing qi yi</mandarin> ah, but ya they ask can or not I say


okay lor, ya but I think, don't really have a lot of applicants eh, for next year's, uh SRC, ya I I ask darryl yesterday thirty plus applicants only


I think so as in you think about it ah one community need, ten plus twenty people ah, okay juniors only need how many ah, twenty okay twenty people times, times how many com six com


[orh] <mandarin>七个:qi ge</mandarin> community ah ya then after that we, hundred and forty !wah! now is thirty applicants eh, then you say some people you don't want one


don't know man, , okay lah my gosh do you know what's one thing I miss about school, yes the food my <mandarin>麻辣汤:ma la tang</mandarin> I love it and I miss it so much


oh man ya as in no, have good ones, but not everywhere, ya, ya lor ya lor


what chicken [orh] the fried chicken ah yes the <mandarin>台湾炸鸡:tai wan zha ji</mandarin> !wah! love it eh, but ya


I don't want to dress up, so lazy to do my makeup, as in <mandarin>我要:wo yao</mandarin> dress up <mandarin>可是我很懒惰穿我的:ke shi wo hen lan duo chuan wo de</mandarin> makeup


, , !wah! <mandarin>天:tian</mandarin> ah


save so much eh, then you say you late for I got keep going out meh


I take MRT ah <mandarin>不知道:bu zhi dao</mandarin> leh my one is, no I take to Khatib take eight five four, [orh]


not bad ah quite near quite fast leh I very surprise, yesterday I reach, ya got go highway, ya ya ya, I take, err, what ah, forty minutes I reach already eh forty


no as in at first you know when you go Seletar normally it's like one hour plus, then that time I took bus interchange bus right and then it was peak hour so like super jam


then that day I reach within forty minutes, I don't know what to do so much time, ya


quite a fair bit, quite a ya it's not super near lah, but very fast cause all the bus stops are super <mandarin>偏僻:pian pi</mandarin> one, ya ya <mandarin>没有人的:mei you ren de</mandarin> so the bus just keep going ah <mandarin>没有:mei you</mandarin> stop