Abel Chin Nian Phong

Abel Chin Nian Phong Financial Advisory Services:

Not your average advisor. Finance is always evolving, and we strive to

⚫️ new frame day 🔴•so 2025 i got my first mtb from the good folks at believe it or not, it was my first bike bought f...
10/06/2026

⚫️ new frame day 🔴
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so 2025 i got my first mtb from the good folks at believe it or not, it was my first bike bought from a local bike store brand new. on hindsight, it turned out to be one of my best decisions.
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the bike was a blast⚡️every ride brought me beautiful memories. it was this bike that truly opened my eyes to the pure joy and happiness of riding free, and with the best crew . no roads, no rules, go wherever you want, whenever you want.
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in 2026, there was a crash in the trails 🌳 and fortunately or unfortunately, the bike sustained more lasting injuries than me. the top tube cracked, but my heart was broken into pieces. all things considered it could have been worse, but somehow it still felt like i had lost something forever.
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it was under warranty from but exact frame in the same color and size was not available, and boy, was it a pleasant surprise to see the replacement, in its full candy gloss red, 3 days later after i handed in the damaged bike. of course it started 🌧️ , almost beckoning me to “baptize” it, so i rode it home, grinning like a kid who just got his first bike.
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thank you for giving it a new lease of life, have been nothing but excellent in their service from the beginning. here’s to more adventures in the trails, overseas, wherever, and whenever🍎
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i cried in front of our daughter for the first time, on mother’s day.•pictures and words can tell a story as contrasting...
10/05/2026

i cried in front of our daughter for the first time, on mother’s day.
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pictures and words can tell a story as contrasting as night and day. the past week have been extra long and trying, even with family support. work has been busier with admin/logistics in the day, and online/physical meetings at night, in between chores, meals, and finding whatever available time left for workouts/rides.
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after went overseas last week, suddenly there are 1001 things that needed my attention, with varying levels of urgency. even after having the blessings to rely on the strong support of my parents and her mum, i realised there is still not enough time to finish everything.
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last night was the breaking point. waking up 3 times to attend to a screaming and crying 3yo girl who is so emotionally attached to her mother, just built up the boiler pot of stress and frustration that finally exploded at 7am in the morning. she screamed, i yelled. she cried, i still yelled. she ran out of tears, and mine just opened up.
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every time when she has been by my side, i have been well-shielded from this tsunami of chores, responsibilities, and stress. yes i get the glam part; the sunday bondings with our daughter, the familiar face before and after her school, our candid on-bike interactions. the late night ironings and laundry, keeping on top of household finances, supplies and groceries, and the mental and physical demands on top of running her own financial consultancy service serving 500+ clients and families.
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the full picture is unseen by anyone except me. with her around, the 1001 things becomes just 1: whatever she asks me to help her with. this mother’s day i again have 1 job: to put down all my recognition and gratefulness into something worth reading and looking back upon, in the non-mothers’ days of the year.
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happy mothers’ day to the mother of a dragon, ❤️

31/03/2026

🚴‍♀️cycling buddy series (CBS): episode 2 ⭐️
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a bit more prodding to hold a proper 2 way convo amidst her munching on fruits 🍓and me navigating Punggol’s narrow cycling pathways. watch till the end for a not-so-subtle roast from the little one🥴
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caption edits from my biggest supporter as usual

24/03/2026

🚴‍♀️ cycling buddy series (CBS): episode 1 ⭐️
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so if y’all know, we’ve been sending and fetching our daughter to and from school on our bike for almost 2 years now. at first it was just to save time (her school is a good 20+ mins walk), but more often than not these days we’ve found she loves these little moments on the bike. be it singing, telling me about her day, or simply just quietly enjoying the wind in her face (“its so windy”before radio silence until reach school/home)
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before she outgrows the bike seat and the bike, here’s the start of documenting something we both hope we can look back on, to the simple joy of riding a bike and spending precious time and interactions with our (not-so-baby) baby girl.
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special thanks to le wifey for the caption edits, the constant support (and naggings sometimes) and for making this out of our chats 🥰

Postcards from visiting.
23/02/2026

Postcards from visiting.



一月八号，2026，又过了一年，又大了一岁，辛苦了一时，努力了一刻，就是为了这些留意，这些照片，这个家庭。。其它364天，就照着去生活，就这一天要特别，再次重拾童年时光，再次爱上你内心的小孩。。2026 marks the 8th year...
07/01/2026

一月八号，
2026，
又过了一年，
又大了一岁，
辛苦了一时，
努力了一刻，
就是为了这些留意，
这些照片，
这个家庭。
。
其它364天，
就照着去生活，
就这一天要特别，
再次重拾童年时光，
再次爱上你内心的小孩。
。
2026 marks the 8th year of celebrating your birthday, and doing life with you. the more we understand each other, the more differences we uncover, and also the many surprising similarities we share. we do our best for each other, support each other, and always want the best for each other. there’s nothing more i can ask for from someone i have chosen to walk my life’s journey with.
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looking ahead for 2026, i wish for you many things, but one stands above all: for you to stay healthy. with that i know all the good things in the world would bless you and bring you success and happiness, in your career, with our little family, and all your loved ones.
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happy birthday ao pi ❤️

二人世界🇨🇳•前年我们两人非常自发的去🇹🇭旅游也顺便庆祝周年纪念日今年我们决定好，每年都会计划一个新的国家去庆祝周年纪念日。今天是我们的月份，有山有海，有瀑布有彩池。最重要的是，有你❤️•迟来的周年纪念日快乐, 奥皮
23/11/2025

二人世界🇨🇳
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前年我们两人非常自发的去🇹🇭旅游也顺便庆祝周年纪念日
今年我们决定好，每年都会计划一个新的国家去庆祝周年纪念日。
今天是我们的月份，有山有海，有瀑布有彩池。
最重要的是，有你❤️
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迟来的周年纪念日快乐, 奥皮

💎MINI KULAI EPIC💎📅 15/11/25📍 Kulai🛤️ 110km•documenting down one of the most fun rides I’ve had. this ride had everything...
18/11/2025

💎MINI KULAI EPIC💎

📅 15/11/25
📍 Kulai
🛤️ 110km
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documenting down one of the most fun rides I’ve had. this ride had everything, from grassy climbs, peanut butter mud, shin-deep mudpools, and long stretches of rockgardens, champagne gravel and everything in between.
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also the first time bringing the MTB rig overseas, and it brought SO much fun on every gravel and downhill sections. no mechanicals, no incidents, only fun banter and these beautiful pics to mark this epic recce ride with the brave souls
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10/10 would do it again, just not anytime soon🙂
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Bike: Scalpel HT from
Fork: SID SL
Tyres: 2.25” Thunder Burts
Wheels: .road XC Race Alloy
Groupset: SLX/XT
Handlebar:
Stem:
Grips:
Dropper:
Saddle:
Pedals:

📌GRAVEL REBELS RACE POST📌•“it never gets easier, you just get better.”•this, and many gels and hydration mixes, kept me ...
08/09/2025

📌GRAVEL REBELS RACE POST📌
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“it never gets easier, you just get better.”
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this, and many gels and hydration mixes, kept me going the entire 4hrs+ of the race. it was brutal; i’d say this was easily my 2nd hardest race (nothing beats the 100miles of yet), but i was not unprepared, just underprepared.
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here are my 3 🔑 takeaways from my 3rd race 🚵:
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1) preparation works only if done in the right context:
in the 2 months+ leading up to this, i only rode smooth tarmac. this gave me “easy miles” but did not prepare me physically and mentally for the demands of the broken and varied terrains in a gravel race. in life, sometimes you can do all the prep work, but if the context is different, the results may turn out differently too.
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2) push yourself, but know your plan and stick to it.
in the adrenaline of the race, HR was ~190bpm 📈for the first hour, and the legs felt great for the first half, but dropped off sharply after📉. all plans to go steady went out of the window right after the neutral start where i got a good position and a pack to follow, and it was all good and fun until it wasnt. in life, sometimes its good to push out of your comfort zones, but always remember your end goals and not burn yourself out 🔥
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3) the journey matters more than the destination:
in this short 1.5days spent riding up to 🇲🇾, bunking in, racing and going back together with the boys .ling we came to share many things, but one thing brought us all together: our love of riding 🚲 in life, sometimes we focus so much on reaching where we want to be, so much so that we lose sight of the beautiful things that we gain, on the way there.
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here are 20 of the many beautiful memories of our .rebels southern gravel race experience:
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ps: swipe to end to see our post-race recovery activity
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📸 credits:

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