CUTTING LOSS

This past week, I have (finally decided to) cut loss in one of my stocks.

It was painful.

It was the biggest holding, percentage wise, in my portfolio. My small, but slowly growing, portfolio since I started investing a year and a half ago.

It was also my biggest loss to-date, and a decision I should have made months back, but didn’t.

Throughout my short time testing my knack in stock-picking, I have been fortunate enough to have made small gains (because of my small capital) in most of my investment decisions.

I’ve experienced a few minor losses but I was quick to exit and move on. So why not this?

Why didn’t I sell it sooner when I know it was already a dead stock?! (i.e. stocks rise and fall — it’s only healthy, market rebounds… but this stock has been persistently falling each day, over a period of time)

*caveat: this shouldn’t be the only reason you sell, but I am writing this for simplicity purposes

I could have saved XX% if I sold when it rebounded for a bit (in that two rare days)! I could have used that money to re-invest or to cover my holiday! 

Maybe the stock will eventually rise, in time. *alarm: unwarranted hope right here

These thoughts ran through my mind.

I mean, it feels good when you make money from something you discovered, something you thought through, analyzed, and believe in. I have my job and the little knowledge I gained from it thus far to thank for, as this comes with the privilege to meet with and interview listed companies, industry players, other investors.

This loss has sorta ‘stirred’ and woke me up, in a way, to re-evaluate how I make my investment decisions.

While painful as it may have been, surprisingly, it lasted only a short while. Almost, it was as if I knew the pain had to be bad enough for me to move on — if that makes sense?

It was a lesson I am thankful for, and happy, actually (weird feeling, but yes), that it happened. My mom has always told me since I was young that it’s good to make mistakes early on in life, well firstly, because you can (and you’re allowed to!) and you can grow and expand so much quicker after.

And while I could justify the reasons why I didn’t cut loss on this stock, and go on and on about my rationale in deciding to put my money in a company, or how the market is an amusing thing, I wanted this post to be about my reflection…

Of lessons learnt from my journey as an amateur and aspiring investor thus far:

  • Know why you got into the stock in the first place. It doesn’t matter if you came across this gem on your own, or heard it from someone. If you did your research thoroughly, and you are convicted, keep to that conviction — it will remind you of why you invested and help you through potentially volatile times.
  • Don’t chase stocks unknowingly. You know sometimes when you hear of a counter and in that morning or afternoon it surged, and you get in blindly just because you wanted to ‘ride the wave’. Why? Fear of losing out. Herd mentality. Greed.
  • Know when to get in a stock, but also know when to sell. Investing to me is about buying something I like, something that I know will do well, but at the right price. Similarly, I should also have a price on when I would like to exit.
  • To learn to cut your losses and ride your gains. This is a common mistake most make, according to a seasoned investor and who’s also a good friend of mine. I’m guilty of this as per this post, as besides not cutting loss in this stock, there were also other counters of which gains I did not ride enough, to their full potential that I know they would.
  • Be mindful and savvy enough to seep through all these noises. Because you will hear a lot of views and ideas from a lot of people, recommending this, that. You need to have a clear and rationale mind to invest.
  • If you don’t feel convicted enough yet, don’t rush. Similarly, if you missed a boat, don’t sweat too much about it. Hold your cash, wait for the next opportunity. There will always be another opportunity.
  • Sometimes, if a stock doesn’t turn out the way you expect it to, be it due to market forces, changes in company management and direction, industry landscape, etc…it’s alright. Make a decision of what you want to do with the stock and move on.
  • And finally, you can’t always win them all. In other words, you can’t always be just winning, gaining, all the time. Sometimes, you make poorer decisions. Sometimes, you lose, just because. As long as net net you’re still making money, accept it and be happy. Be wiser.

A good friend lent me Peter Lynch’s ‘One up on Wall Street’. I read Part 1 by the River Thames in London.

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“Ultimately it is not the stock market nor even the companies themselves that determine an investor’s fate. It is the investor.” — Peter Lynch

I LOVE LONDON

Before I start writing this post, I’d first like to say that my thoughts are with those affected by the London Bridge attack over the weekend, and the Manchester suicide bombing that happened two weeks back. Extremism should not be a way of life.

I love London.

I was there for two weeks (in fact, when the Manchester attack happened), mostly to visit my brother, while also to holiday on my own.

I initially wanted to spend a day trip to St Albans and Cotswolds (and stay overnight in a bed & breakfast…), but that didn’t happen in the end. I got lazy, admittedly, just taking in London.

There’s just something about London that I know I’ll come back again and again.

I’ve been to London three times: once when I was a kid (was too young to remember much then), my other bro Ken’s graduation (just for a few days in Dec 2009 and it was COLD) and Shaun’s grad (July 2016 and while it was summer we spent only one to two days there).

So this trip marked my first in seeping-in just enough of the city.

It’s so easy to fall in love with London. The old colonial buildings, vibrant streets, structured transport system and convenience of it, the huge, laid-back parks, vast choices of food (even yummy, affordable, takeaway ones) etc…

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Well, until it rains, that is… coupled with the erratic and cold weather, it could get a little messy if you aren’t prepared. I experienced that twice this trip — I was scrambling my way around (I’m always lost), while carrying my shopping (Primark) bags. I looked and felt like a mad woman, walking under the rain, under-dressed (no scarf and outer coat). I never learn after having studied three years in Melbourne, Australia.

Next time, I will remember to bring along an umbrella, find out and know the way to my final destination, and to always keep warm.

It was nice of my brother Shaun and his flatmates (Bianca and Jish) to allow me to stay with them throughout my time there. It’s such a lovely place! The few minutes walk to the bus stop, taking bus 207 or 607 (where we’ll always head right to the upper deck) to Shepherd Bush station, which gets me on the Central Line of the tube.

It’s so fun, I get to choose if I want to get off at Tottenham Court Road (Primark is just right in front of it… bad… Marble Arch station too), or Bond Street; to get onto another line and head to… wherever 🙂

Accommodation aside, it was quite a nicely budgeted trip, as I did not go on a spending spree, neither did I indulge in any fancy food. And by fancy I meant Michelin starred restaurants (it didn’t even cross my mind until a friend brought this up! I mean, I’m in London technically!? But you’ll see why below). Then again, fancy or not, is all relative.

One of my best meals in London has got to be… duck rice at Gold Mine. It was so good I had it two straight days. Didn’t even know I liked duck so much until I took a bite of this juicy piece of meat. I tried the duck at Four Seasons but nope, Gold Mine still kicked ass.

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I also thoroughly enjoyed the pizza at Homeslice.

We tried two combos: mushroom, ricotta, pumpkin seed & chilli// caramelised onions, kalamata olives & anchony. The former one was just ooh-lala in my mouth… party in my mouth, is that what you call it?

Best pizza I’ve had, hands down. 20 pounds for a huge-ass pizza that can be shared among three girls!

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Another truly memorable meal, or tea-time, is the scones at The Muffin Man cafe in Kensington.

I love scones but I haven’t had scones this crunchy-yet-soft, with the most delicious and moist-enough clotted cream. I went back twice, heee.

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Of course, not forgetting these little, quick eateries like Itsu and Wasabi where you can find almost anywhere in the city…

My highschool friend Keat and I tapao-ed Assenheims56, a South American takeaway, once and ate it by a church on Liverpool Street.

How good does its grilled marinated chicken look? Served with rice and grilled vegetables, and its homemade green sauce made from coriander, spices and cold-pressed rapeseed oil. It was about 8 pounds. Value for money, okay!

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Once, Shaun and I also tapao-ed Leon (naturally fast food, they call it) and ate it along the steps of a building facing River Thames. It was so nice.

The river is so long, and you can just about be anywhere near or facing it… it was also one of my favourite spots to read (see the bench below?).

I finished reading ‘China Rich Girlfriend’ by Kevin Kwan (loved it!) and started on Peter Lynch’s ‘One Up Wall Street’ right here.

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Another favourite spot of mine to read is at Regent’s Park:

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Sigh, days like these…. IF the weather is good :p

Not forgetting the takeaway coffee I’ve been having from Cafe Nero and Pret; it was almost a daily staple for me as I wander around the city with a cup in hand.

So thankful for my friends from all over who have reached out, and were willing to come out to meet me for a meal.

I did spend, though: on musicals and plays, something I enjoy and believe it’s worth my money spent.

Shaun and I decided on the Book of Mormon, and boy did we enjoy ourselves!

It was funny, vulgar, witty; and while it touched on religion (which can be a sensitive topic to some) and spreading the gospel of it, the play made it light-heartedly entertaining.

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On my own, I also got to catch the play of ‘The Curious Dog Incident in-the Night Time’, upon the suggestion of a friend, Alexandra.

The acting was world-class. I have not watched many plays, admittedly, but I gotta say, this was good. Great. I did not even read the book.

And why are theatres in London all so pretty?

I watched the play at Gielgud Theatre very near Piccadilly Circus and the vibe on the whole street was just amazing!

Speaking of experiences, how can I not mention Harry Potter. AM A HUGE FAN. I remember having read each of the book three times, at the very least, growing up.

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I brought the first book, Philosopher’s Stone, along with me so I can re-read and refresh my memory before entering the studio.

The making of the movie, the whole production of it… was amazing. The originally designed props, costumes, make-up, etc.

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I told Shaun I wanted to revisit Oxford (fell in love with the town the last time I went), and he of course jumped and said yes. He spent four years doing his undergrad studies there and I can see how it holds a special place in his heart.

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I was clearly under-dressed (in a skirt) as the weather was cold that day! And because of that, partially, we left the town a tad bit early.

Comfort over fashion next time, Wei Lynn.

Also got to try Malaysian food at Zheng restaurant, Oxford (after seeing DS Nazir’s instagram posts). The food was good :p

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And speaking of spending, after thinking hard, I did also pop by Bicester Village in Oxford (on another day) and got myself two bags. Yes, bags, my weak point… admittedly…

So happy I got my train ticket at a good rate for non-peak hours, at 12 pounds return! Though it came at the expense (or in this case, maybe not!) of just a 3-hour trip in the village. And guess what, I arrived the station early to miss my train (as it was delayed and I wasn’t at the platform when it came and go just like that).

That set me back by 40 minutes (thank goodness the manager allowed me to still use my ticket for the next ride), which means I only had 2 and a half hours to shop (including lunch). Thankfully, I had the 5 more-affordable brands in my mind, and so I went in, looked around, and zoomed out.

London is gorgeous when the weather is good.

Over the two Sundays I was in London, I spent the first waking up to exercising at Hyde Park…

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And the second Sunday to a nice Sunday Roast… Shaun introduced me to this idea. We had it at a neighbourhood pub.

It was lovely. The concept, the get-together, the food… I had the pork loin option with a half-pint of local beer, I think.

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Thereafter, I dropped by Portobello Road Market at Notting Hill. It was SO pretty!

I got a card holder for my dad, an inspirational book (with illustrations and sayings) for our home (I’m a sucker for things like that!), and a nice long grey skirt from a boutique store for myself.

Alas, I can’t end this post without dedicating a para (okay maybe two) to Primark.

The first time I stepped foot into this shop last year… I knew it was hell (or heaven?) for me. Because I have an eye for value. We’re talking about things we wear that cost far cheaper than anywhere else. I got staples such as spaghetti tops for 1.80 pounds, a bunch of hairbands (20 of them) for 1 pound, a set of earrings (9 pairs) for 2 pounds, sandals for 3 pounds, dresses for 6 pounds, and the list goes on…

I thought I was done after the first trip… I mean, I was, but while waiting to meet a friend one day, I stepped inside again. And did you they allowed you to exchange and refund, for cash? At one point I had to scold myself for not to step inside anymore, and in fact, I couldn’t wait to just get out of the store. When things are cheap, you sometimes tend to just buy things you do not really need. And when you change your mind and head back to change, it wastes time and effort.

Plus, I have too much clothes. But diving deeper, how much of them are actually quality, classic, ones that can last me a lifetime? It made me recall my time in Australia where I just bought and bought and now I don’t even wear any of them anymore. Cumulatively, a waste of money.

Overall, I had a great time in London. It was all so easy – traveling via tube, bus (whether you’re old or young). The app CityMapper is the coolest.

I walked, a lot… I loved wandering around on my own.

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Though I’m not sure if dining along at the top of Heron Tower is the best idea.

I made the online booking just three days before, for a table of one, and I got it.

I mean, I have no qualms dining alone and in fact enjoy that, at times (more so especially if I don’t enjoy the company). But… this could do with a company. Haha. The Duck & Waffle I had was delicious though!

HIGH HOPES

So much feels for Kodaline’s songs tonight.

The first one, ‘High Hopes’, depicts the shock, sadness, and fear I feel right now.

Broken bottles in the hotel lobby
Seems to me like I’m just scared of never feeling it again
I know it’s crazy to believe in silly things
But it’s not that easy

But I’ve got high hopes, it takes me back to when we started
High hopes, when you let it go, go out and start again
High hopes, when it all comes to an end
But the world keeps spinning around

Once in a while, we are allowed to fall, blame ourselves for being naive, silly, and cry our hearts out.

But, we have to remember to pick ourselves up; and be stronger, wiser.

Because no matter how much we prepare for something; when the unexpected comes, it hits, right down to the core. Especially if you’ve been wronged and at the receiving end.

Forgive, anyway.

Now, on a more positive note… the second song, ‘The One’, will be one of my wedding songs in the future, if I do get married.

You make my heart feel like it’s summer
When the rain is pouring down
You make my whole world feel so right when it’s wrong
That’s how I know you are the one
That’s why I know you are the one.

Life
It’s easy to be scared of
With you I am prepared for
What is yet to come.

SHUANG HOR LINGZHI

Today I’d like to blog about something that is close to my family’s heart — a set of health food that has kept my family’s health issues at bay (i.e. prevention from causing problems), to its best ability.

I say best ability because good health is not determined solely just by how much supplements you take; but it’s a whole spectrum — genetics aside, it’s your diet, lifestyle, exercise, managing of internal & external toxins, stress, etc.

These said, it’s possible for one’s body to reverse to its healthy, pre-illness state (at the cellular level); and one of the ways is via Shuang Hor’s Lingzhi and Pollen. My family and I take it when we are in health, and when we fall ill.

We have been consuming SH’s products for over 20 years now. I can still remember, I started taking its core products Lingzhi and Pollen since I was 7 or 8 years old. I still get sick from time to time (I just can’t help but to stress unnecessarily), but I always bounce back fast.

Truth be told, at times when I wake up, I’m not so much scared of the big dreams and aspirations I have to achieve; rather, I’m worried if I have enough energy and well-being to do so.

And this is why I am thankful for SH’s products, for I know it can at least help take care of most parts of my health, while I go about my daily life. My mom calls it the 80:20 rule, take just two supplements (the 20%), to manage 80% of the body functions.

I haven’t had a chance to blog about this, and would like to, now.

My mom first tried SH Lingzhi many years back and had benefited from the product. She then signed on as a distributor, and ventured into the business eventually — stepping away from her high-strung corporate life. It has since changed her life, and ours, for the better, in so many ways possible.

SH Lingzhi and Pollen has also helped my dad when he was critically ill at one point, my grandmother with balancing the side effects of the Western medicine she has taken over the years (to control her diabetes and HBP) as well as delaying her aging complications; it has too helped my brother with his asthma and sinus.

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The thing about Lingzhi is — it is not a medicine, it is a functional health food.

Thus, its effects on the body are not immediate. But, you can see the difference over a period of time.

And we see it right in our own home, my parents and the rest of the consumers who take it; where at an old(er) age, they have distinctly less health problems, most still vibrant and healthy, the natural way.

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In a nutshell, what SH Lingzhi does is it helps the body return to its normal functions, by detoxification at the core cellular level, not just at the gastro level via juicing etc. And it does to by helping the body to get rid of toxins (built up over the years), improve one’s immune system and blood circulation.

What I have found amazing & unique about the product is – it helps to scan and highlight early symptoms of illnesses (what my mom calls it as ‘Lingzhi can “speak” to you’), hence allowing us to detect and take preventive measures.

In fact, it’s expected and a positive thing if one were to experience some Vertigo Reactions or what is also known as a “Healing Crisis”, where toxins are dissolved and discharged from the body and hence causing some discomfort (be it rashes, more urination, bowel movements, heightened aches, etc).

This is because, it usually indicates a tissue or organ weakness in the body, and this is where you should up the dosage to speed up this whole cleaning process.

When I get headaches, I usually double my dosage and take 6 to 10 LZ capsules (twice a day). The pain may persist a little more for a while, but it goes away in the end and I know I have resorted to the natural way, rather than turn to pain killers.

Gotta say, I feel heartened as this is a health food which is safe, effective, and most most most importantly, has no side effects, even on high dosages. (My family has, for years now, tried to avoid taking Western medicine if we can — unless we really have to)

You may ask, what’s inside SH Lingzhi that causes it to be so potent?

It’s important to note that a good quality Lingzhi contains many active components, namely Polysaccharide (strengthens immune system), Triterpenoids (improves liver functions), Adenosine (improves blood circulation), Organic Germanium (rejuvenates cells), Lingzhi 8 Protein (enhances cells regeneration).

Especially today, when health has become such a buzz word and with so many supplements popping right and left, it’s more than crucial ever to know how to differentiate one product to another.

You’d also want something that can, and has stood, the test of time. My youngest brother, Shaun, has practically started consuming the product since he was a few years old.

And this is where SH’s long-standing record in producing good quality Lingzhi comes in.

The Company

Shuang Hor is in charge of the entire supply chain; from:

  • Research & Development (species cultivation)
  • Cultivating (in its own Lingzhi Farm in Bai Ho, Taiwan)
  • Manufacturing (where Lingzhi is processed in accordance with *GMP standards)
  • Up until distributing the product itself

*Awarded the Health Food GMP Accreditation and ISO 9001 – Version 2000

And thus, it has full control over the quality of its Lingzhi.

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Why this is important because, the species which is patented and cultivated in a controlled environment, and constantly monitored and harvested at an optimum age, is able to produce a consistent yield. (watch video)

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Via the manufacturing plant, Lingzhi is extracted using dual phase technology, where active constituents (as mentioned above) like Polysaccharide, Triterpenoids, Adenosine, LZ8 Protein and Organic Germanium are extracted.

And as always, I believe it’s equally as important, if not more, to first take a look at the company, the people behind it and their values — for these often set out the sustainability and viability of the company.

Shuang Hor Group, established in Taiwan in 1988 (turning 30 year old soon just like me… gasps… I mean, my age, that is), and still standing strong today with the same core products it started with since day one, and growing regional footprint, is testament that its business model and products work.

My mom has visited the HQ and plant in Taiwan a few times since she joined. Nothing like ‘seeing is believing’. My dad and I tagged along in May 2014 (pic below).

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SH carries the principle of honesty and integrity, and I see it through its leaders, how it goes about doing things (low-profile, humble, not boastful), the talks and conferences it holds (now organizing Di Zi Gui classes), and how it treats its distributors with fairness.

Another point to note, as with anything that we put into our body, is the recognition and acceptance that it has from certified bodies. This is to verify if one product is authentic and is safe for consumption.

In this regard, SH Lingzhi has endorsements from Japan Health Food Association, Ministry of Health in Taiwan, Malaysia and Thailand; as well as Health Science Authorities of Singapore.

Last but not least, to fully realize the benefits of SH Lingzhi, it has to be taken with Pollen. They go hand-in-hand.

Shuang Hor Pollen

This is because Pollen gives our body, the cells, in particular, the nutrients that it needs once it has been detoxed.

Usually when I take Lingzhi, I’ll take double the dosage for Pollen.

SH Yung Kien pollen contains more than 200 nutrients, including vitamins, minerals, nucleic acid, enzymes, co-enzymes, minerals etc.

In a nutshell, Pollen can help to restore the vitality of our body, and revitalized body cells and in turn respond more positively to the efficacy of Lingzhi.

This goes back to the 80:20 rule, take these two products *over a long period* to ‘gau dim’ most of our body functions.

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Lingzhi and Pollen aside, we also take SH’s other products — from its Soy Protein and High Fibre, Greenzhi toothpaste, to its CEO coffee (best coffee I’ve ever tried), Lu Chun tea, Shampoo, and Go Eco detergent.

At the risk of sounding corny, but I can’t quite imagine how our lives would have turned out without these products; and of course, the business that has changed my mom’s life.

My wish is for all of us to be mindful of our health, and to continue to keep healthy, in years to come.

For truly, health is our greatest wealth.

GOODBYE, RADIO, FOR NOW

So… my time in BFM has come to an end (for now?). I left in the first week of April.

In retrospect, 1 year 4 months seems neither too short nor too long — for my role, that is, as a news writer and producer. But I’ll get to that later.

In my farewell email to the organization, I said what BFM has is rare – it has built and embedded a family-like culture, we treat and accept each other as our own, the founder himself keeps us updated on the goings of the station (including the numbers), and we think of how to always better the station.

Don’t ever lose this, I said.

Although it has been 8 years in operations, the station still acknowledges itself, to an extent, as a start-up. And of course with that, has its perks and not, all depending on the individual.

BFM has given me the space to propose ideas, recommend guests, and provide content — and with this comes full accountability. It’s a flat structure after all, and you are own decision-maker and editor to what’s being published on air.

Though, the work you do is ultimately quite confined to your own belt/ team, i.e. if I get a Breakfast Grille guest, help out with research, the interview will still be done by a Morning Run member.

That said, I like the fact that we take charge and ownership of our own work, but I feel it’s only helpful if one has had a little prior experience before (in this case, journalism).

While monetarily (and perhaps even editorially, to a certain extent) it was a parallel move for me (from The Edge), I wanted to give myself a chance to try out radio, to see if it’s for me. And I got to try exactly that, and even had a good time there, so, thank you BFM.

With this I have dabbled in print media (writing for Edge FD, Weekly, and web), broadcast media via video (Edge TV) and now radio; somewhat sealing my experience across these main mediums.

Doing phone interviews in the phone booth. Look at those air waves? We edit them after 🙂

I am grateful for opportunities that have come my way. But I am a firm believer that opportunities don’t just come landing on your lap. It takes initiative, hard work, and people skills (i.e. sincerity in building relationships).

It truly is a circle of sorts — you land an interview, do a nice job, and you get more ideas from your interviewee, get recommended to others, and it goes on from there. The best feeling comes from something you’ve first initiated yourself.

In a nutshell, I wrote the business news bulletins, updated the hourly and half-hourly numbers, but what I really enjoyed doing was producing and presenting: evening market wrap, current affairs (CAs), local market watches (LMWs) and the property show.

Wrote more about my role here but in addition to what was mentioned in that post, I have also since started producing and presenting LMWs.

The evening market wrap segment is not podcasted, but the rest are, will be updating them in a separate page soon.

What I’ve gained

Work — my role has been elevated from just a writer to now an editorial-like one, from making decisions to what goes on top of the bulletins (at times, when no other senior team mates are around), to selecting the topic and producing the content for my shows. All onus on us and I had damn well be sure to do a good job.

Knowledge — where previously I’m limited to business and Corporate Malaysia (having spent two years at The Edge), I’ve now broadened my horizons to current affairs as my team was passionate about issues on human rights, refugees, politics, etc.

People — I’m lucky I had a team who supports and encourages one another, and backs each other up. They are a hugely understanding and chilled bunch, I definitely ought to learn this trait of ‘take it easy sikit’ from them 😉

My 28th birthday with the news team (a few has left since then)

The boys/ men I mostly talk to in the station

Contacts — I’ve had the pleasure of speaking to people from local banks, rating agencies, and on a regional scale Blackrock, Bain & Co, UBS, from my interviews. And some, whom I am able to call a friend. There is just so much to learn from these industry experts.

Some regrets

Voice — I wished I had spent time honing my voice, practicing my reads. Thinking back, I was too perturbed about content and getting the voicing bit over, that I failed to take time to enjoy training my voice.

Innovate — Not everything has to be done the way it has been done the past XX years. For instance, for my CAs, I could have gone with a Q&A style from the beginning, as I speak most naturally in a conversation, rather than reading it like a script.

(You know with the saying ‘penny wise pound foolish’, I should learn to also put more time and effort on shows that matter, rather than the minor, rolling-ones. I have been doing quite the opposite).

Don’t worry, I did not say THAT word on air!

Have a little more fun — instead of always having work on my mind, 24/7, in the office.

While I managed multiple deliverables (news, wrap, CA, etc) at one time, it was at the expense of being too hard on myself. On hindsight I should have just chilled a little more, you know, not every script has to be so heavy-loaded. I could forget perfection, and come in earlier, and had more time to hang out with my colleagues.

BFM was nice to have allowed me to freelance, and I did so for Focus Malaysia. It’s one way to keep tabs of the ‘market’ (via interviewing corporates, stocks analysis), it also enhances my knowledge and allows me to bring forth these guests onto BFM as well. Win-win for both parties.

Complementary roles; talked about this on-air (weeks after it was published), when Chairman said he was taking a backseat from the group

Not sure where the wind will next take me, or if I will come back here in the future.

I mean, I have always been keen and intrigued to join BFM since first hearing DS Nazir Razak on the BG. And to think I did end up being part of the radio station in the end! (I remember, when I last applied after leaving CIMB, I was only offered an intern role haha)

But one thing I do know for sure…

A sweet gesture from Charles & Crystal. Thank you!

… is that I will keep on improving myself, as what my parents always tell me, “keep learning, improving on your knowledge and personal development, and you don’t have to worry”.