ya I want to buy my own house and, and have a pet cat, to live with, before I die definitely okay I don't know about getting married, but those two I'd definitely want to have in life okay getting married is like can't even see it yet man what about you


ya travelling is one ah hopefully hopefully COVID end soon, so you know those dreams can can come true ya, wait we we do have a dream together don't we


japan yes japan, that's that we definitely hopefully we can do that soon, so ya


ya that's for sure, that's true , let's not go too much into that anyway so what you love about life bro


ya, how unfortunate it is


that nice, ya ya I know


in japan, childhood, childhood food, I don't know I guess what the thing that I I remember eating a lot that made me


grow so fat was Burger King, mushroom swiss burger yo I had that a lot, that was definitely my, my food my snack everything man, like in so, in japan like you ask me what I want to try


ah yes those stalls kind of food, like you know you watch anime like those Takoyaki so I mean I know I had that in singapore like those balls balls but I want to try in japan you know like kind of authentic ya


so ya I like this this question ah so , describe a moment when things turn out better than expected, do you have that a lot


, mostly ya


what about what ah go on


(uh huh), no so like for you know COVID COVID what it's like consider a bad thing right, so it's like an unfortunate thing so, they let us, we it was the worst possible time for us to during a pandemic


then after that did things turns out better or, was it like, is it still like it's still bad


think so


that's true we did we did struggle me, three things in life


definitely definitely I do have uh I'm grateful for, uh, lot of thing grateful for my family, I have a great family ya, well okay I want to talk about religion but


let's let's not uh, uh I'm grateful for the friends I have grateful for you obviously, like I think that's I think it's fate ah right you know some people we find, I've I've lost a lot of friend I dropped a lot of friends


and I have like little group of friends so I'm very grateful for them, and I definitely thankful lah because after ORD I didn't contact anyone, didn't contact anyone at all, like only in my company group but you're the only one that contact me reach out for me and we are still staying in contact so definitely grateful for that


family friends uh right now I'm definitely grateful for the situation I am in, could be worse but, uh like thanks to you I have a job like we doing the same job and obviously I'm


mine is in a way better, situation than yours, so ya definitely grateful for that like, ya what about you


ya unfortunately


right, that's true


ya I was actually (ppc), that was on my mind I was thinking of it like my perfect day is it's not anything complicated I guess, any days where I don't have to be stressed at all, but I think I feel like that's usually most of the day


but ya so like okay I think the perfect day is whatever I plan like last night or when I wake up in the morning, like I had I plan out everything in my head, and then I actually execute it, like I do it I have no stress like whatever is that I thought of doing


be it playing game exercising or whatever going out if like I execute it and I didn't like , I didn't think of it being like dreadful or anything and I do it happily that's a perfect day for me


oh I get that I get that, can relate can relate to that I guess


ya that's true, ya I don't like interruptions


that's right that's right, so, what are the small things that make always make you smile


like exactly that is the same as me, wait I was exactly thinking the same thing unbelievable ya


ya ya true true, ya like that I I think it's an escape for us, right ya that's right like


even even more so than gaming like, because sometime gaming makes you stress and like you can rage in gaming, ya so it's like it doesn't always like, like make you feel better but manga always like make you feel better


that's true, that's true


that's true, ya I started way before that


ya true true, a lot of life lessons in manga


personal growth, I guess it's when, I think personal growth happens when you hit your lowest, so I guess that's like when, during, second uh during poly


like, I think I went through a tough time there, so I learn a lot of things, I rely a lot of people, and, I think that's when, that I


I grew up ah that's uh the point when I actually grow up I guess, during that time what about you


that's right


that's nice


okay part one, finance


okay that means we have to just to we just share our opinion to our friend right, oh, okay interesting okay the first one I just start it okay


do you have a saving account, Roslina


okay what's your experience err having this account actually is it a good, oh it's it's you you prefer to save it at home or put it inside a bank


oh okay, (mmhmm) so you prefer to err save it in the bank ah, if let's say you urgently need cash you don't have any at home how


the the next one I think you are the one going to ask me


yes I do yes I do I do I I have two one is the the debit and the other one is just the normal credit card


oh credit card, to to many credit card are dangerous to to to have it but it's actually but it's actually depends on your discipline credit cards have a lot of


points or or or what do you call it perks if let's say you go to a hotel, buffet they have one for one it's good to have one actually mean I and, they also allowed us to buy things on instalment


if let's say you if you like something ya, but you are err, cash tight you can use credit card for a instalment plan I think


oh ya actually this debit card is auto given from the bank actually so they give it to me I just take lah, uh, credit card I apply, credit card I apply


because I see no like what I said the debit card is given to me automatically from the bank actually uh it's just, a a debit card and also uh NETS uh obviously I still need my NETS


to to withdraw money to pay for my groceries something like that ah, point number three I'm going to give it to you ya what do you think couple should combine


finances and open a joint account, what do you think, is it healthy for a err what this is called couples, to have a joint account


why, oh that means that means you don't agree to share what you earn


okay okay good next, err fixed deposit no I don't have actually because fixed deposit they want huge or


big amount of money and err they lock in err the there's a period of lock, so you cannot uh take it out you cannot used it but of what I understand that, that interest given to you will be a little bit higher


at the moment no I don't have any err fixed, deposit account I do only have I think the normal, bank saving account, apart from that uh I don't have (mmhmm)


okay then the number five my question to you at what age should a child be given an ATM card, to manage their own banking if you are


which is sec thirteen thirteen ya ya sec one secondary one, (mmhmm) (mmhmm), but but inside the ATM card the the the amount


you have it uh you you put in a lot of money, (mmhmm) (hmm) (hmm)


ya to some ya to some children ya if you give them money, they will finish it up but to some, you give this amount of money they are born to be a disciplined kid uh you uh they will they will save up you don't need to worry how much you credit in the ATM


, nowadays lah, but during my time at the age of thirteen no we don't have any ATM card


ya and then the nowadays the parents are working their financial background are very strong that's why they just give it up those days, my time you know my parents and my my parents are you know not doing that so well


I, you your you put it to me or I put it to you number six


cashback, because the more you spend the more you will get offsets


miles honestly those who can get all these miles are frequent traveller those on business I think for majority of us once a year we fly to KL how many months can we, get I don't think so much cashback I prefer cashback


okay I'm using maybank maybank , uh to me because I got no other card I got one maybank only


maybank often when I spend maybe one hundred or two hundred they will offset uh with a cashback of I think, five dollars ten dollars, something like that I feel very happy about that


and uh and uh maybank very, easy you call in to waive your annual fee they will waive it off, ya


okay my question to you what is your experience of purchasing insurance, product from banks uh if you have such example share the details, I think bank ever call you right uh hi I'm calling from blah blah blah bank you are the chosen one


right something like that


(mmhmm) (mmhmm), for me ya I I happen to get a few calls actually from the bank they are trying to so called


sell their insurance to me, but uh at the moment I have not decided to to get the, insurance because currently I have one


uh but I'm not too sure whether one is enough or not and err, basically I don't have uh extra cash to pay for the insurance


that's about all


no, I don't have any experience purchasing investment product from banks actually honestly the bank that I use is only for savings and err the other one is for my A T err no no no for my credit card that's about all


purchasing investment from banks no I have, not deal any with the banks


okay some may argue that bank interest rate are unattractive where else others, may feel that their money is safe and accessible in bank


in light of this, would you save your money in bank or invest it somewhere else , you know some people oh, I don't prefer to save in the bank especially the auntie and the uncles like my mum I think


she don't really save in a bank and I think uh uh my friend mum, she's doing a canteen hold canteen vendor, she don't trust the bank


she put all her money in a bag, and then keep it at home I ever saw , I ever saw actually inside the bank a lot of in bag a lot of money, ten dollars fifty dollars she I asked her auntie why you don't want to keep inside a bank she said no lah don't want troublesome oh sure okay lah it's up to you


and I think also uh keeping money or saving the money inside the bank is most safe, you never know if you keep it at home anything happen at home nowadays ya even the neighbour below you


if the house caught fire your house will you know catch fire too dangerous dangerous


a fraction ya uh, you know why you know why err only those honestly I I based on my err uh what do you


call it thoughts only people with lot lot of money ah they will start to, the interest rate, I think for you and me, I don't think so, I think we sometimes uh honestly if you ask singaporeans ya at this current situation ah


if you ask them whether they have four digit or five digit savings at their bank it's very hard because I I I I honestly ah sometime I see uh the slip they put on the ATM ah so sad you know the amount of money the slip


that's why, me also because we got a lot of commitment that's why we don't really think about the, the interest rate what this bank is giving what that bank is giving


ya, okay I read it to you ya what is your experience of getting a loan, as err example house home loan car loan student loan from the bank


if you have get any of this loan, please share your details


younger younger generation meh, your house your house is from uh bank loan or HDB loan


HDB loan oh HDB loan, ya ya no no if you your house is actually with HDB loan, but


everybody everybody were saying err HDB loan is, the the interest rate is much more higher actually right


ya what is your experience, is it easy, your renovation, your renovation loan


what do you need to do to get the loan actually, bank bank slip or your payslip payslip, okay


oh, then they err process and they give you the loan, what then you never compare interest rates between banks


ya like what I said usually small amount we don't really look into the rates actually because plus minus there's not much different


a bit here and there lah, err how about car loan have you ever take car loan


ya ya ya I ever I ever took car loan from uh, OCBC bank uh correct can name the bank , ya OCBC bank also very simple I submit my IC I submit my what you call it uh driving licence and also my payslip to the car dealer


the car dealer submit it in the morning somewhere in the evening the car dealer call me the loan approved, and then err uh they they do the what they call it transaction something like that that is my experience


ya mine also negative experience, you are right


lateness, about pet or about annoys uh never mind I think I put I take it as what annoys you the most lateness


I don't like people to be late for example no lah I think, biggest pet peeve I do not know lah never mind lah I just take take this annoys you most lateness I don't like people to be late if let's say we promised to meet up


at twelve o'clock, twelve o'clock meet up at the place not twelve o'clock leave from the, home or house no no no, I have a few friend like that a few times, he he behave that way we struck him off


the list how about you, what annoys you the most


lizard lizard are harmful what they'll they just , they don't they they they don't bite you


oh ya some people don't like lizard some people, don't like err what do you call it cockroach flying cockroach ya agree lah okay lah this is it up this is individual we have to respect, how who they are okay the next one


no actually I, I oh you cried, oh that means that means the movie that you watched touched you, right at the spot


is it, okay for me honestly I can't remember I cried during a movie, I cried when I fail my exam because I do not know what to tell my mother


okay the next one describe what you dislike about the younger or the older generation I think the young, you what what do you dislike


okay, for me what I dislike, you know every morning I have to take the feeder bus to the MRT station my timing there's a lot of school children I describe or label them as the younger generation


they are too engrossed, with their mobile phone, and that hour, there's a lot of people they don't want to go move in, they are just engrossed with their I do not know instagram, games chat


know that is what I dislike about them you just imagine ya our days, our days there is no phone ah, we don't behave this way what see nowadays


meaning meaning to say the gadget, oh it's not old or young ah it's the gadget ah, okay okay


my world my worst, travel experience my worst, travel experience, uh I do not know, you you yourself yourself


okay why uh why


okay okay the next one describe a time, when you feel that nothing, you do is, good enough !wow! this one ah describe a time when you feel that nothing you do


testing, ya can hear me, okay risk describe the this this one I think we skip lah I cannot answer to that question okay maybe you


maybe you want to read out the next question, embarrassing uh moment, okay I have one uh


previously I'm working as a service engineer okay my job we need to service a, machine actually on that particular day I was wearing a working pants not a jeans ya a pants you know lah pants are meant to


do walking sitting, down on the there on a on on a chair you know what I happen to me, I wore a pants, then I need to squat down, I need to squat down and repair the machine you just imagine once I squat down


my pant the back part of my pants torn , really really embarrassing you know I really cover with my shirt and go down to get a new pants luckily it was at harbourfront uh ya harbourfront


below there is uh some err retail shop selling, pants that is the most embarrassing moment, okay my question to you describe the moment, when you feel the world is against you


also quite difficult ah world against you , the world nothing to do with you or you got nothing to do with the world


okay then we go to the next one ah !wah! this question also to you eh I think


traumatic one


what happened, I think the brain hemorrhage right


okay


okay for me the most traumatic incident I think uh I ever went on a airplane actually and then , it was raining when we took off


and err we hit a lot of turbulence you just imagine the the the vessel just go, down and down and down, !wow! the feeling I tell you it was so traumatic anything can happen


you know you don't believe me you know or not one of the flight, one of the flight from Jakarta I think indonesia to singapore, they went in a hurricane and they did not manage to make it alive, that's why very traumatic that one is very traumatic okay then the next thing the have you experience any loss in in your life experience any loss


maybe you lost your money you lost your job


okay for me err I put it one experience ya lost, okay oh err I used to work uh in a company then I was quite young I just started working, so I managed to cover the the mistake because that mistake was done by my friend the


company it's not it's not about money it's it's about the water the water pump it does not, uh what you call it uh pump in water in to one of the tank then it it it, it makes a big chaos in the building the management came there's no ventilation in the building for I think half a day or


uh, but then I covered up the story and I told, the management I'm the one who never check but it's actually my friend, who did not check because, I don't want him to get fired because he has a


family for me I don't have a family at the moment but with that loss ya, it's it's, it's really painful for me lah because I need to support, my family not not not really support lah


I need to give a little bit to my mum you know, support myself then on the spot the company fired me I think that's the loss actually but uh I take it calmly I err sit, down and uh managed to get a new job


I think after a month that's how I deal and overcome it lah, okay the next one, okay then okay never mind we go to the next one ya can what disgust you


like , even though even though he's so good looking if he eat like that disgust, oh okay okay


for me rude rude, err I don't it it it it really disgust me if you have a rude behaviour, a rude character rude do not respect never show respect


disgust me K next one, my greatest fear , I am a claustrophobic I cannot be in a very small space


dark ah that one uh I I I fear I fear claustrophobic ya ya they call it yourself


what happened, but you must be you must you must know what you are living in public housing, your ceiling is their flooring


your flooring is somebody else ceiling, kids are kids kids have to play what, people like uh kids are active what at night


okay so that is your greatest fear, okay the next question what are the what are some injustice of the world that


make you angry, no I think we skip on this okay share


okay for me it's about promotion actually, it's not my okay it's a it's a friend but it's not that is best friend lah it's a friend


he backstab me, in order for him to get a promotion actually uh this was not told, to me directly I heard it from somebody else, but by by if you heard from somebody else actually you don't take it hundred percent you need to get to the source actually I did manage to get to the source


err actually my boss, told me what have happened, but never mind if is it meant for him, he can take it but at the end of the day he does not get the promotion even though he backstabbed me uh that is what I encounter before


yourself


(mmhmm) how you react


okay so that is how you react ya okay the next one, describe a time, when you feel trapped or helpless trapped or helpless


okay helpless yes actually the other day I was inside a bus and then uh I happened to, see a, uh an accident actually, but the thing is that the bus was travelling


I I I wanted to go down I wanted to go down I want I wanted to ask the, bus driver to just open up the door but it was not at the bus stop so the driver would not want to open the door because of safety issue, but I feel so helpless actually I cannot help I wanted to help to that accident that is a time when I feel helpless next one


this is this question is, to you ah what always bring tears and sorrow to your eyes being scolded


(mmhmm)


oh okay, ya err one thing I could change because right now I'm staying in singapore


err but I know it won't happen, you know our, society are ageing society if you happen to walk at old estates ya you can see old people you know, living by themselves uh uh working as a cleaner you know somebody


can help them like other country giving them pension giving them money so that they no need to work, but I know I would not able to do it but if I could, one wish I want to do


that uh you know give money somebody can give money to the old people, my father especially he's at seventy four, and he's still working, honestly seventy four you shouldn't be working


but he's working okay the next one, you question to you ya, have you been looked down upon by people in your life Ina you're so useless lah something like that


oh really never no nobody


alright ya very good okay


okay number, two positive experience okay I start first err, you missed the prompt bit okay what are the small what's your name Roslinda okay uh what are small things that made you smile


small little thing not cars not bungalows just small little thing that don't use much money


what , no small little things that means some people offer you a, seat in the MRT other other people


maybe your boss says that uh your earring today looks very, cute small small little thing


that means they are trying to get to know you, (mmhmm) (mmhmm)


okay K for me ah, let me be very honest with you okay honestly the uh, at the moment my work at home eh sorry my work at, office it's too tedious too difficult


you know you need a lot of concentration you need a lot of thinking, what makes me smile right, I, finish today, go back home, had a uh have a good dinner and


rest on my sofa really really make me smile, you know enjoy that is what everyday I looking forward to also, K I think the next one


what are are the sacrifices you made that worth everything you you ever make what sacrifices you ever make


that to you that it's really worth it


okay honestly uh, for me the sacrifices that makes worth everything okay uh I just sign up internet and err telephone, line for my mum's place


you can call her everyday even though I have to pay extra you know it it, it it it it it really is worth it, paying that money I can err let my mother to be uh online uh shopping


she will err browse through facebook with all this wi-fi thing I feel very uh, that is the sacrifices that I make and uh it's worth everything


okay uh the next one, well number, three describe, the best, movie or TV show you ever seen and what do you like about it


what Tokyo thing no, oh I cannot remember also, oh I think the the bank heist thing, ya ya ya ya


ya okay oh that is the best TV show you ever seen, okay and why, is it the err hero very handsome or the plot


twist, err what it's all about,


okay for me err describe a best movie okay honestly I last sunday sunday or monday ah sunday I think uh I


browsed through netflix trying to find a good movie or a good what do you call it err series but then I happen to just play on a, hindi movie hindi movie is, from india lah but it's very beautiful with song beautiful actress


and err, beautiful storyline it's all about a man, who has a sickness but, he really love, to make couples fell in love or fall in love and he did manage to make two couples


fall in love, at the end of the day at the end of the story he uh passed on, uh quite a sad story, I tried to I tried to lah put myself


in the movie but I can't lah, but but but but but the director the director and err uh producer, err they should be getting, a tap on their a pat on their back lah good job good storyline


what are the three things you have in common okay your best friend your best friend


ya your best friend


(mmhmm)


oh okay great great, good, uh for me three things you have common with your best friend it's actually all about understanding err


actually if you have a lot of friends but they are not a good friends pointless there is always a saying from one of the comedian in singapore, if you have a roof over your head a few, good friends food on the table you are a bless you are a blessed man


I I I agree with him, okay then the next one, uh let's not be draggy ah okay the next one err, what, place ah


yeah, don't know, if I know already you no need to tell me, arab street where is it


then Bugis is near arab street, one what is one place you love to visit okay lah okay lah okay lah, why


overrated food expensive food


for me, uh, place I love to visit Mustafa centre, seriously you know why, let's be practical you can go there there's food


there's a lot of place to see there's a lot of things to touch, honestly if you go Mustafa centre you can see people hand ah they cannot keep to themselves they touch this they touch that, ah and it's twenty four hours used to be but right now during this pandemic I don't think so


it's twenty four hours it's I think maybe, seven to eleven for me Mustafa centre, twenty four hours, okay the next one, what are the three things you are most


grateful eh sorry grateful for in life three things you, about what you have about err your parrot ah


okay then number for me three things


health, family and err health family, and happiness that's the three thing, (mmhmm)


your best friend, your best friend three things


(mmhmm) (mmhmm), so just now you were saying kids one okay number two


you admire three things you admire about your best friend, okay for me, sorry I have to cut to you err for me my best friend


he has the patient uh err what I admire about him, even though how busy he is one once his mum will call he will pick up the phone talk to his mum video call his mum like how he video called or talk to his girlfriend


I really admire him that things that he do compile already the three things that I'm I I admire him, as a best friend okay the next one describe your favourite activity to unwind and relax


okay for me err what do you call it unwind, rest eh sorry eat sleep, and rest that is the best activity for me to unwind and relax okay next what do you love most about yourself


okay for me discipline I love about myself is discipline, not bragging but err I'm, a disciplined man okay next one uh describe a time you laugh too hard


yesterday or day before yesterday when you meet your friend, describe a time when you laughed


for me usually when err me and my colleague impersonate my boss that is when


we laugh and laugh and laugh ya every everyday be and not everyday lah, once in a while we gossip about our boss, ah then we impersonate how he talk and that makes us laugh really hard


okay next, what is the proudest moment, of your life, (mmhmm)


rental house why


okay, okay, okay then err what was the best meal I ever had ah because I skip to this question I take this question the best


meal I ever had last year, before christmas, my company we had a christmas party and the food they serve, fantastic, those finest kind of food


no no when it comes to free I think that one will be the best meal no no no it's actually the the, the environment the hotel environment, with the finest food they serve, that is the best meal I ever had okay next one uh the the question to you describe a time


when you got appreciated for your work, oh


(mmhmm), okay okay then the next one okay that I uh I take this question eh, what are some memorable moments


from your younger days I just tell this thing to my family actually the other day you know what, err secondary school time, you know my friends the guy will have a a girlfriend


after school they will go mcdonald, but for me ah, that younger days of mine I don't have the chance to do it I I each time I after, school I see !wah! boyfriend girlfriend go mcdonald I envy them but for me I don't have that experience lah


ah that is the most memorable moment, from my younger days ya what to do okay next one uh question to you, ah there got, talk about the fond memory of a pet have you ever have a pet before


dinosaur tiger or T-rex, no you don't you don't have, okay uh then, next one, eh I think I think we skip the describe one of your most


memorable travel experiences, sorry ya that one, describe, one of the most memorable, experience travel experience


oh okay


okay never mind you answer to that question I go to another question, uh what what are the, dreams and goal okay oh this one very sensitive ah no I don't want uh describe, an experience when


your faith in mankind is renewed, based on these questions ah I think if let's say you are reborn ya, describe experience when your faith in mankind, ya I think so lah I I I I take it like if let's say you are reborn


what you want to be or what you want to have, oh okay okay


okay next next one last one what is your favourite, childhood food, or snack mine, will be the colourful the the the very thin thin slices colourful one it taste like, uh waffle alright that's all


uh yes I have I have a


for a saving account ya saving account those, normal local POSB saving account


oh uh definitely I'll put inside the bank because usually our monthly payment uh salary is always credit to our bank so my saving accounts uh will be directly into the to the POSB bank account


yes I prefer to be saving in a bank, uh usually I will I will withdraw cash down for myself daily


okay so number two do you have a credit or debit card


okay so share share with us what's your experience like with the credit card's detailed features lah what's the difference of a credit card or or debit card what's the difference


so what was the the debit card's helps is is debit card also uh be uh is it good, usage for you


ya but why you need both uh debit card and and credit card, since you said credit card is, ya but why you need a debit card


uh I find it's okay it's quite quite healthy things to do but I think not many couples would like to have err sharing account, I think certain things that


probably the savings needs to be in separated lah, (uh huh), ya lah for for me like for us we are couple err definitely I'm I'm very okay to have joining account with you but I think if if let's say for example we put it at another if another couple's probably they don't like it because it's a bit personal


okay point number four so do you have a high yield yield bank account or a fixed deposit


I think I okay if for myself I think thirteen years old and above like uh secondary one those uh ya ya probably in secondary


school can start giving them the ATM card, and then, err no lah definitely uh won't be giving a lot of money ya it's


succinctly enough for for for their uh probably weekly or monthly


ya okay because I think it depends on individually like probably those certain kids at a probably in the younger days like our younger days also we spend , uh quite a lot you know it it it will be responsible to have your your own saving like for example we give fifty dollars uh in a account then it depends how long the the kid's going to finish up that fifty dollars it depends ya so I think at age of thirteen can be given ya


because nowadays thirteen years old I think kids they are more like uh you know be eat they always eat outside and stuff like that


ya okay so and then , oh ya that's the card also okay then the bank account lah okay so it's the same thing same same question ah so now number six right


number six I will ask you cashback, points or miles, which type of credit cards do you think people should be using, why cashback


okay so what uh credit cards do you think that , the the banks are giving a lot of uh cashback rebates


okay because you got only one one credit card okay so point number seven


err so far I only, purchase from a bank which is err


if I'm not mistaken it's Etiqa so, far I don't have any bad experience, and I think it's quite it's quite straightforward lor the insurance, ya


okay so question number eight what is your experience of purchasing investment products, from the bank if you have such experience


okay for me also I don't have any, purchasing of investment


so number nine


ah maybe because I think there is older generation will thinks that err keeping in the bank is a bit hassle because last time going to the bank is a bit, a bit uh hassle for them so not but nowadays the bank is quite convenient like it's everywhere we can deposit we can we can withdraw the money at anytime at any moment like we when as and when we need the money


ya but it's quite true but anyway the question says that the bank's interest rates lah, but so far I think all banks , uh given a more or less the same rates err probably probably like us we only save


uh only uh like a few a fraction ya uh not so much right I think


ya they will start to think about the err interest rate I think like normal ya correct


ya so it's it's not that not not really important to us ah because maybe we actually save quite a fraction only lah


okay so point number ten


yup err of course because for, us like we are you are younger generation we just started working, we don't have any saving we are we don't come from a rich family so we have


to definitely get the loan from the bank , you know what I mean , we need to buy the house or renovation right so


oh HDB loan ya but for example, we need a car we need we need we need a loan for the car


your house is my house also , ya uh ya


I'm not sure about that lah but anyway the question is say getting a loan for home car or students right from a bank , so I think err I, ya easy


ya quite okay right, uh we just need a bank slip to prove that we actually working, payslip, to to to prove that we are working working


ya, yes, for for that yes we did but but uh we I don't remember that the rates are uh competitive with others lah but I think more or less all banks about the same same uh rates


err for I don't have the experience lah but I I think you do right


negative, experience


okay, what the first point will be what is your biggest pet, peeve, or what annoys you the most


but it's says it's about pet what, who's pet is late


pet, I think it's not a pet lah it's more to insect or, , most that I hate is uh lizard


yes it really annoys, I don't like that sound can you stop it the noise, no the lizard uh it's so disgusting


so the second one will be recall a scene from a movie that made you cry in sadness, uh the recent one I, we watched the other day the hindi movie remember the, that movie that we watched #nako nako# something


ya that recent one I actually the movie made me cry because of the guy that you you you you, ya, because of the


yes, yes


okay we go to the younger one


okay for me I think nowadays younger younger generation they I think they have, how how should I say that , probably nowadays I think that I saw many is like no respect uh to to elderly


err ya no respect to the elderly and stuff like that lah, I think they they doing their own their they are in their own world


ya that's the thing that's why I say probably we we are actually brought up maybe and the younger generation is a bit, the gadget


ya I think the gadget, okay the next part will be talk about your worst travel experience


I think the worst travel experience we had was uh we went to vietnam, quite difficult for us to get food err I mean for us lah for for us it's not uh easy easy access to get food


okay (hmm)


describe the embarrassing moments, how to pronounce embarrassing moments that make you, cringe


I mean I I just do my own business ah but nothing that for now I don't have anything, that I feel so so down I don't have anything ya


yup, K what is the most traumatic incident you ever experience in your life,


oh ya okay maybe maybe when I uh when when my dad when my dad got uh the big operate uh surgery, during that incident I'm afraid to lose him at that time


ya that's the the experience that I cannot I cannot uh forget lah that time ya, uh because of my dad err


yes correct so he going to open skull surgery and then he went coma for a few days and then he did not wake up for a few days we waited for him like almost like uh


a week or so so ya that's the the most experience I actually had, , okay


well I was in the I was in the plane with


err, no I I think, for you that's your question lah I mean that's you have to answer


okay, the next one I'm not sure what's the what is that have you been ostracised


, okay I think I think uh whenever someone munch, their food or chew their food very noisy with, that sound uh oh will really annoys me or felt disgusted lah I think ya


whenever someone, someone eating with like that kind of sound ah, ya it's it's I feel so uh turned off and disgusting, yourself how about you


what is your greatest fear


okay for me I think my recent great greatest fear is, uh the kids on top of me the neighbour, keep on running, my neighbour's kids running on top


ya but I cannot, ya I know but it's just that they uh they, play all long like at night also they play like eleven plus people need to sleep you know I need to sleep eleven PM


eleven thirty PM still playing I cannot take it ya I know but I don't I'm not active at night they have, to they have to play a part also poor thing you know I cannot sleep at night, ya recently I having that I'm facing that problem now


, I think uh but the government thing is it


share, about a time when your best friend backstab you how did you feel and how did you react to it


okay, for me I think my my own best friend, talk back about bad about me behind my back where he she in front of me she's nice but then behind she


keep on bad mouthing about my myself with other friends so I think I feel backstabbed lah by her so I think my my reaction is I I I just don't bother about her I don't I stopped seeing her I stopped err going out with her and stuff like that


to prevent any any any more, uh things that hatred lah so I think stop seeing her will be better, yup


, describe a time where you felt trapped or helpless, ah, I don't know you can think about it


(mmhmm)


, bring tears to my eyes ah maybe, maybe my parents to make to see my both parents are happy especially my father, he uh ya after is after the incident that he had a a a a a a


big surgery and then now she now he is actually healthy healthier so and and happier now so that's make me uh, bring tears every time when I see them


is there one thing you wish you could change but will never be able to


like what


ya, ya


I, I'm blessed, to have uh good family good friends, good colleagues I'm so far I don't have any experience like people having looking down at me lah, ya


nobody


, small little things that, err it depends like probably your joke


oh other people okay err, ya like, make my make my my make me smile will be probably


probably maybe , maybe maybe, uh uh those uh like


passerby who smile to me and say hello to me, no no it's it's it's it's it's our you know like daily common things that we do it's like being very positive we going to work


ya it's like a happy go lucky kind ah


for me okay to for me is err number two what are the sacrifices you made that worth everything


, I sacrifices like I don't know , , what is K I don't know I'm asking you right question so you have to answer right


okay


, okay I think I I actually like err movie from netflix, the one we watched, , what ah the the title I forgot


wait the Tokyo thing , I cannot remember suddenly I forgot I need coffee now


ya money heist okay, so far that's the best I


uh the plot twist uh it's the plot twist movie uh, ya it's like how they going to they rob the bank the they rob the museum, uh it's like a a challenging thing lah but


by robbing the the bank and then they sacrifices people who like you know like there's, there's like a death on the, in the movie


sacrifices life people's life


so the next uh point will be what are the three things you have in common with your best friend or partner


err my three commons err common thing with my friends ah


probably we think alike both of us think alike, ah that's why we can uh be best friend we can we have our we have , same same mindset like


don't have to trouble people you know like make people happy be positive, and then we do have jogging , uh probably running running hobby together


and then we can go for yoga class together, ya so it that's common lah


what is the what is one place you love to visit and why, okay err the only place I


like to go my favourite place you know where, you want to guess , okay arab street arab street or Bugis arab street is near Bugis


ya okay, ya because err


ya I like to go there because I think there's uh a lot of food that I can find uh nice food nice place to chill nice place to go for a uh cafe hopping


okay uh grateful three things that I am been grateful


I'm blessed to have uh both, parents-in-law they are lovable, , my house my my husband


okay so the next one will be what are the three things you admire about your best


or partner, three things I admire my okay first, I admire because they have err probably ya they have children, kids


to juggle with work because I don't think I can do the same thing like how she did, like how how they can okay number two is about


about my best friend okay, I don't I admire I think nothing much I don't have anything I think they're just that for you


err for that I think I'll prefer to have, uh relax at home with you, , ya right, watching movie watching watching movie going jogging with you together over the weekend going for walks


that's it


okay I think I just love myself for being myself


yes, describe a time ya when whenever whenever I have meeting my friends we had a good joke and really we make fun of each other together that's the the the time that I actually had a good laugh


okay I think the the proudest moment that I made in my life is actually to get, a my my parents a a a house a rental house whenever I


rented house, which I think that she just sold off their their property but end up you know they get the rental house for a uh from HDB a quick one without without me knowing that eh suddenly got the


rental house for her ya I think that's a the time that I'm proud of myself of doing that lah, to get them


for the cause I thought you, you don't like the the the the duck , but you didn't


describe a time when okay uh during during my my, previous office I think, when I got when ya I got appreciate uh appreciation from my from my boss, for my hard work


hardworking ah think, last year


!wah! so sad ah, no more already


no, I don't have any pet


ya, the most the most travel experience is the recent one in january we just


uh went for the, trip like going we went to Istanbul that's the most experience , ever, travel memory with err with you


what you think, what question


maybe I want I want to have kid, ya


part one finance, I don't think I have any insurance policies from now but ya I have come across uh people coming after me for a lot of insurances lah


basically uh, a very important I would say personal insurance is important


but there are also many different types of personal insurance like want to protect your family and yourself one might be required by a law lah by right it actually based on the person itself, like uh when I was in the army and I was during my BMT they approached us to have a person insurance because you know in camp training and outfield training there might be a lot of dangerous you know


situations where we encounter so they did encouraged us to have a insurance were at that but at that point of time where NSS lah so we only have like five hundred per month and you have to pay for this thing so, not many of us were keen on keen on getting insurance that's because at that's it cause we weren't given enough allowance due to our situation in the army and our rank at that point of time but after coming out I think it's really important


uh you mean you mean the one I was offered in NS is it, I'll say health is the most important health health and accident insurance


ya, because nowadays singapore is very very, when you have should have seen the news, a lot of accidents happening


I I I don't know if I should be saying this but we all know that government policies there are always some kind of a loophole which is gonna backfire on us, and I believe that private policy yeah insurance policy companies they are usually identifying these loopholes and knows


giving us the gains, so at at in that in that situation you will see that, the uh insurance policy company also gain we also get just that they gain more, we can't if you really want to know the exact specifics then we really have to sit down and


weigh the options yes you have to weigh the options ya, sorry (uh huh)


I agree, like government policies all are very generalised in the sense like everyone


they try to give equal amount of care and support to age income families, but if you go to the private companies which sells insurance there's a if there're a lot of tiers are to mention


yes , yes so that is the drawback I would say to get insurance from private entities, ah yes we did


ah ha yes, I recently my friend also got to accidents she was in a very bad shape her bill came out the total of eleven K she was in hospital for four to five days maybe per a week a week or two around that but uh insurance covered most of it she just had a for pending of two to three K


but there also says that you will be having that means you might have or you would have paid a considerable amount of money before know got insurance has come out to that that level of a cover, so I was say that cause would


I mean if people in our, yes I mean if people in our age group or to get a bypass surgery now, I thought it's pretty difficult for us to afford it a insurance most probably right now, let's be honest our parents are the one that might have been or would have been paying for insurance


if they bother to get a insurance for us which they would have if ya so, I would say that, insurance I mean we to be honest, people from our age group are aren't really aware of the types of insurance out there all we know is that we got we got to orchard we got to know somerset or anywhere here will see insurance of uh office uh people just standing around


and when they explain at that moment like they want us starting is already, you're not absorbing all the information they're giving us, like maybe like because to a lady's pretty or the man is he good looking let us be honest I I, I mean I have walked around you have run around and as you know that I'm always the only indian among my group of friends


ya so you talk I I, I'm able to understand chinese right now that's how that's how bad it is that's how bad my friends are influenced me to learn so when you walk around, tend they'll be talking in chinese then you know, at first I was lucky you know they're talking in chinese because maybe he's really really are trying to get to know the policy but after years you go by right you know that actually he's flirting with the woman so it's like so a totally different thing


true


yes I totally, yes I totally agree like I would be getting a general insurance instead of a life insurance because we young people we like to travel a lot I don't want my luggage end up missing, and I have ended up my luggage all missing so it is


so I would get a general insurance, and then people of our age I think there will be more into getting insurance for their vehicle like I'm I'm getting a bike soon so I'm getting an insurance for my bike well it's a mandatory thing but I think it's also important


ya uh I'm gonna I'm getting I'm getting a car soon too so, so basically I'm getting two vehicles so I have to get I have to fork out money for both so I think it's really really important I would rather get insurance for a vehicle cause I wouldn't that that that even though it's metal is they'll be my baby at the at the end of the day so I don't want any scratches on those those beautiful things I rather I rather have scratches on myself


and those, ya so it really depends I think more of our older generation they would be, more keen on getting insurance for themselves for their family if they have a family or kids they would own a invest insurance for their kids and their and their spouse


uh I'm more concerned of my car we have different priorities right now


I mean I have also two different types of insurance I'm not so sure of the name but one is where, both parties like either I bang into someone or someone bang into me it's pick totally cleared but , but uh there's another insurance where if whatever damages I have done to the other party it's all cleared but then I have to take care of my own vehicle I'm not so sure what I've not


ya there are, yup, they have distinguishes they have distinguish two different yeah I think these uh two insurance purchased of insurance for vehicles, yeah


ya I mean ya before before you get the insurance, uh yes


me it's nice to stay if it's nice to stay if one particularly insurance policy you would know company, like as well of their policy but then you can't do that for everything you know some other companies might have better options or better, criteria which suit you so I think it's really difficult to do that


so if it were to you if were to me to go get the insurance I'll be more focused on what they offer, and to their name and their fame, ya like most people would be, and you told them insurance they only know one or two insurance companies the most popular one the most famous one but their options ya correct


yes yes definitely definitely, as long as it


yes definitely, ya so so what do you think you should look up for insurance agent, ya sorry, ya what do you look up in the insurance agent maybe


uh I hope they're sensitive cause there was this one time where I was ah still in army and then, had to go for a date and I did but due to some operations in camp, I want late so have to wear smart four and go for a date which was already a bit upsetting my all my friends were like how can you how are you going to say or see a date in a smart four


but it doesn't matter where you're from but you gonna see a a woman for the first time and then you're going as long about what's like the what let's stop talk about it so I met the lady and I was walking, walking her to our spot, uh real uh then there was this insurance lady she just came out popped by


then, she was talking and talking and talking and I was like no whisper I I need to go, the outer pirates are talking so was like oh are you guys together are you guys out for a date or something yes we are so insurance agents sometimes you need to be sensitive I mean like it's their job I don't blame them for being like that


but I just feel that insurance agents like out there in the roads surveying they should be a bit more sensitive, oh I also have friends where where cosmo insurance agency of when they're doing their roadwork there's not always one company a spot


squish two to three they're always competitive, so there was this when my friend he was generally generally looking for insurance at the at the time, ya I think this was in uh Hougang Hougang mall I think it's Hougang mall I think Hougang ya around


three to four he was there and then , so there're three or four people so he went to each one of them, so when you went to cause he generally want generally wanted a insurance so when you went to each one of them they were like the insurance agents were like eh why this fellow


like this one ah Rojak is it go here go there so the comment was speak in front of him right in front of him, so I don't think that was nice I mean yes I mean I mean, they were all are who worked, no you have working experience but and we definitely and we definitely would have made comments service but I just feel that it's not nice to make in front of the person or the customer or client that you just ah


help or just uh, but you get what I mean lah just handled ya so, so ya I just feel that, insurance agent should be, sensitive, to the surroundings


ya I mean I think it's a very singaporean thing at the at the at the moment we are all really like uh eh why you do this why you do that then after


a few days we like oh you know I should have done that I should be nice you know ya I think that's just a singaporean thing you see in the western influenced countries they're just like the jerry like that, like I I would I would I would not want to compare but


that's what it is you know you see Angmoh on the street imagine if he's gonna be Angmoh insurance was the agent, it's just gonna come really go and talk to you nicely, what is gonna happen, like it's gonna happen ah if it's gonna happen abruptly like that


they wouldn't abruptly disturb us or they will come in ask they will they will ask your permission really, I've seen insurance agent yes


ya and trust me most most most of us entertaining the insurance agent because the person is on your move trust me they're not wouldn't be talking to the woman at all, this a fact this is a fact in singapore, I've seen I've seen secondary school kids with shorts right no lower they were be talking to one pretty lady right and I will be like ha


then my friends will be like what you're doing and you see that lah they go also go that like ha, everybody want to grow long pants still want to talk to woman okay never mind it's okay, then if you want to talk to the women we wouldn't be able to talk to the woman, ya so


I mean at the end of the day we are told we really really understand that that's that's what's you gonna bring food on the table, so that's what are trained to do that's what you are supposed to do that's what your that's why your expertise lies in but I just feel that you should also give your customers especially those doing road surveys road works you should give us a space to to kindly reject


we're not that mean to reject but our priorities at that point of time is really different, you maybe right ya


yes uh, yes I agree


oh, okay I was forced to do this, I was forced to do this for my parents they were like you know, so when I came back I remember I told that when I was I in army the approached us


so I told my parents at this there's this thing so watch right they will like they will like doesn't matter you wanna do it or not but I want you and think when they force me to do it, like if you were to get insurance or if you were to cause insurance doesn't only means insurance like uh you mentioned it can investments it can be uh you know they're so they're so really different ah aspects in finance so uh do you all like how are you going to balance


so I was like are you giving me a hypothetical question are you give me a real life situation you know take a real situation or you getting five fifty what are you what are you gonna be doing with the five fifty , ya so my, ya so but at that point of time I didn't have a girlfriend lah so it's okay so the five fifty with me it didn't go to her or anyone else


so it was I was able to so I apportioned around twenty percent to savings, then twenty percent to the insurance or whatever like how much the insurance ask me to fork out and the rest is for my expenditure and that's how I did it


yes, yes everything depends


negative experience, oh there was this ah


and there's this you wanna go first, there was this movie in uh september of way it's autistic father trying to raise his child, uh it was really so the way they interact is really cute but it's really sad because in that storyline uh the autistic father spouse's family tries to take over their child so he had to goes he had to go to court


and fight for fight for the his daughter, so it was very upset seeing all those like it's even more upset he won the case but it was even more upset when he himself carried the child to return I I won't say return lah to pass on to the spouse's family


he didn't doubt he's he realised that I don't I won't say he doubt but I will say he realise that they will do a much better job cause they were very uh wealthy, so that movie really make me cry out I just tearing up and they they will know I was tearing up and


I've seen some real life people with those kind of I have uh friends who are autistic and for you like I I I grow up in neighbour where well it's like a Kampung right I do have uh


autistic friends are also also a volunteer when I was younger and beyond social services so I have seen any, that how they took care of me I took care of my uh Kampung lawsuits so it was really upsetting for to see them like that


(mmhmm)


so really it's a vicious cycle, just cycle and no one, has uh so far done anything to break the cycle cause if you I myself I put through the cycle cycle I've been bullied when I was younger


I was uh left alone the middle of road to survive when I was back in India I mean you would have known, I


still it's still just feels like it happened, and just like yesterday, it just feels like it just happened yesterday so uh


like those for the moment I felt like a world was against, where almost when I was just left alone and thought anything moment everyone was against me the people who I had uh tried to support and uplift were against me I was just felt like more everything these were against you


especially when your parents at the desperate when at the at the desperate, moment you need your parents but uh sad your parents are against you it's just the worst feeling, like anyone will will have, because you can't expect uh friends or family or friends not family sorry your friends and acquaintances to support you but you can always expect your family to back you up


that's were how I was raised in us how I was stopped uh but at that moment when to to see uh, to see them, like that I know


do the same thing get what I mean, hello, ya I mean ya so uh at the point of time


I I said I was uh raised to always remember in like prepare a heart that your family are gonna be there during desperate time but at that moment they were not there they were the ones against me, and that's very very upsetting just left there to fend for yourself


in the country with no experience or expertise with no money, uh no basic communications


have you had a time like maybe when your any of your friends back stab or be and bad, ah


maybe that's something I failed to do back then but I had a very big friend circle like you know everyone I knew of my friends so there's this time ah uh there was a this friend is his best friend was interested in me and at the at the time I wasn't very


good with girls cause I had a very uptight straightforward attitude you know girls like to we we like to be you know sayang here sayang there you need to tell sweet sweet nice nice things to them and you need to buy gifts for them I'm like you know what meh I'm just gonna give you the money you wanna buy your yourself


so I was that type of person the bad at that point of time that was I think that was the time when I was trying to change for the better I was struggling with minor battles at that time uh social issues so I had a talk with best friend ah you will also my business I have a talk with him he wasn't my best friend I would say he was one of my closest friend


and I yours oh you also have been in army like all of things happen in the army army was the you sorry it's the school for me ya whatever I didn't learn in a primary school secondary school I learnt it in army, so I learnt those things in army so ah I told him that you know your friend is interested she's trying to get to know me and I'm trying my best lah to avoid her her but she isn't buying it so what am I supposed to do are you okay if I talk to her give it a shot and he said sure it's fine go ahead


and then I told her that you know in one week we got attached, so was that fast, and then uh I told him the moment we got I told I told him but what he did was he went behind my back and then he uh, conversation with the lady the the with my ex my ex so you gonna have conversation saying that uh like how dare you will do that how how how going I've done that if you know what kind of person he is you still know about his past and all those I was like oh I didn't know any of this


like I'm not proud of my past but uh, but I felt was ya but ya I I but of course the fact that even though my past was this I was trying to make a change and I was generally making a change and ya and


if I feel that if you are really if you a best friend if you really uh concern more of us we should have had a conversation in us, like conversation ya I found about it or when I approached you I asked you about it you should have told me you know I'm not gonna take no for I'm not gonna take you know I'm not gonna if you say that I'm not gonna not just not not just gonna be upset about it you know I'm very practical person and so I was pretty upset so uh


I went to talk to him and tell him what he did isn't nice and isn't isn't you know you supposed to be doing just went behind my back and did something that like so how can you do that and I was very upset and piss I think I might have threatened him


I don't know if this is legal in this conversation but I might have threatened him it might be I've been threatening and then after that, he did something else after that conversation he basically cut his entire, access our friend and then break the friend cycle he didn't even contact her


and then, ya and then that became my fault then she was I was in camp I was on ops was during trump I was the escort for trump when he came to singapore like that like that so I was I was during that period and I was busy in planning detailing and execution of stuffs that's when ah


ah she she's calling me she just let me know what do you do I'm like not not what what I didn't do anything what I just had a talk a man to man talk with him none of my friends are talking to me like then I was like cause like you know what I don't have time for this nonsensical things, I have better things to do in life so if you wanna be free you can be free but then don't bring your friends or friends problem to me I think you can choose either me or your friend


so if she had chosen, uh I wouldn't like felt bad but what she said was like I didn't uh understand what I didn't understand what she like she's coming from because before I talk to him I was already telling her telling my ex that I want to talk to him for like a month or two


it was it was you know reach to a point where I couldn't take it that's that's why I marched to talk to him, uh I was patient for a month then she told me that so I was like you know what I don't want to be a who doesn't understand what I'm trying to do like I'm not a perfect man right I am I might not do the best of things but


to me to my conscience whatever I'm doing I'm putting my best ya if you fail to see that then sorry you're not the one for me and then I instantly broke out with her, then after six months she came back she wanted to get together so I was like nope, so I'm I'm I'm so


things negative things which happen I have a lot of negative things which had happened in my life made me who I am right now, that's what I would say it really mould me into a person to be sensitive sensitive to people so that I won't offend or hurt people I take criticism and many more


so it's just very, saddening to see people like this, know when you feel that you know they are the ones are gonna stick up to you, in time of crisis but they end up being the crisis


so that's the most unexpected turn, in life, ya, what's your greatest fear ah


sorry I can't hear you say


ya I I think that happened to me once uh I was back in india I was playing for the uh state team my dad uh and uh, husband soccer ah soccer so uh we were on the final final were playing that uh I was the captain back then


I was the captain and then uh, one of my uh players he got uh, got he got tackled and then he suffered a bump to his head a very bad, bump and where he get collision and uh it wasn't it wasn't bad he just had the the they called it here so it's just a bump just a bump just a swelling so I asked him are you good to go are you good to go


then uh with this motto we have back there we like uh if you are good to go you go, ya ya ya so good to go so ya just get up and play ya so I cannot get up play ya but he


ya and so we played we won we got the trophy then while receiving the trophy he just collapsed, then we have to rush apparently he was, here the collision was really hard the start cause we played professional right so we had so it was matter of so


I think he was of bleeding internally so he was in uh the hospital for two to three months but yes thank god he recovered, I got back but that brought a lot of backlash on my judgemental skills and my captaincy back then like even though many


at at at age sixteen it was a, pretty bad things happen I wasn't able to judge confidently ya


positive experience , sorry sorry come again you're saying, did you say something, what's my what sorry I can't hear you


oh my comfort food okay my comfort food okay there're lots of comfort food ah I would say Briyani I'm indian so let's go for Briyani, Briyani is always my comfort food, oh, I am I am a male a indian male with really strong south indian influence


so so you know uh no we we are just you know, indians indians eat a lot you know eat a lot so, it depends it really really depends if it's gonna be a very rainy you know a cool city


it's gonna be so cold I'll go for a chicken, because you can make really spicy food, eat chicken mutton is just gonna be really savoury, you know so that would be safe who are very how say uh really mild not not sunny not not


ya ya if the Briyani is good lah basically I'm a Briyani connoisseur also if it's not gonna be good I'm going to be even upset


the rice, the rice and the meat, well there's always a misconception in singapore rating Briyani right they they can't differentiate between dum Briyani and normal Briyani


ah it also depends have certain restaurants in singapore where I like dum rather than normal Briyanis usually the normal Briyanis are nicer you go to hawker, hawker Briyanis only certain dum Briyani places in hawkers right they're good


ah ya so you're saying like what kind of places I like right I'll say uh Gayatri'S is good at race course road, are just good uh Samy'S curry is good at dempsey hill, there are really really good I mean they're there for many many years right so we always go there my friends somehow are always going there my parents go there my parents are friends with the owner so they talk you know


ya so it just happens, so what are dreams and goals that you wish, to achieve and what do you want


oh russia, is it is it for the vodka


I want to go to brazil, like I'm a uh you know I play professional soccer used to play professional soccer I grew up watching I grew up watching ronaldinho the brazilian players , ronaldinho ah cafu all these legendary players caca you know I so it's just a childhood thing know you see your players that would therefore favourite players from childhood from this particular country you want to go there like you know I want to go there


I want to go and see, I also want to go to south africa, ya I think we should I think I don't think many of us will consider south africa as a, as a as a


honeymoon right I will if I will to go our break I would bring I'll, I'll bring my future wife there I will definitely bring her to south africa for honeymoon, ya so uh that's how ya so and then what else do I wanna achieve you know I have a lot of things to achieve


I think this is I think I just started on life do you want a ya a lot of self realisation and a lot of uh thinking, and that's definitely helped me to do that if really definitely helped me a lot to that have a lot of time to vet through


uh get my degree uh my master's and if I can, and if my brain were to allow it I'll go for PHD but there's no rush there's no rush, cause no rush ya so there's no rush so what's the nicest thing someone has told you


yes, sorry what you're saying, when you don't know


you have a sweet face uh if not, uh I have known you for awhile I don't think I have a sweet face but okay yup, they haven't seen your alter ego yet I think that's why they are not yet so I think you get to see the alter ego and then they will okay or what maybe


it ya, ya, else ya, assisting ah


assisting some of that told me is that oh you play soccer were very good, I ask him when I was in secondary school I had this scout from, had scout from uh, singapore football association that came down then coach Sundramoorthy he came down, to scout


I have never told anyone this but uh yeah so they came to scout so when he saw, he wanted to recruit me but my dad at the point of time you know, you know seriously yeah, because I was supposed to go to sports school I didn't ah because there's


ya that's why I was doing back then I didn't study like even though I did well for all my exams I didn't study I never studied, I was never home


or I didn't uh, I never thought of that at all, I always felt that no studies didn't even was it even a problem for me back then but I didn't even think about it no it's not it's not that it's just that for me at that


at the point of time I like everything was soccer I wake up six in the morning automatic wake up I go brush my teeth watch a bit of cartoons or TV, it will just soccer so I will just leave the house at eight o'clock , and you know back then uh that's about two thousand five six seven no you know the void decks they we still we still we still call those places Kampung and I was youngest one around there I was the youngest kid there I was the best among them and I'm proud to say that I'm the best among them but but there but all the kids taught me they taught me well


so I'll be ya so they were they they were like my kaki my elder brothers you know, and my #kor kor# and all those uh so they will be they will be teaching me, ya cause it's a very old estate so uh in the estate right it's really like a Kampung


the every family knows each other that means that means trust me you cannot do anything illegal there, if some other unidentical parties spots you right you're gone they must know, so if you want do anything illegal there, ya so you ya cause ya so they were really helpful


they very nice so to to me I feel that that is the best memory I had to go there play barefooted, eh a place a place that you see all your neighbourhood all the children come and sit down watching you play soccer, uh that you will shine that's why you shine


uh that's why you shine it's either you shine or you do badly and then you embarrass yourself, ya, ya so a lot of a lot of uh childhood recognising, everything revolving soccer for me it's just soccer now it was until


as children I think army army was the one that just open my eyes you know, yes


a perfect day now now, now for my age I really can't go play soccer and go there's can I like I I used to play in fields or run like everyday, but now I think it's very difficult for for me now to go and start back on soccer professionally


but now so I can't do that, so I had to, so now since I have school I have work I have my own business to take care of I'm running a business with my app I will playing my poker in the woodlands


coming soon like you know I've told you so now a perfect date will just be me sitting down like drink a nice cup of coffee and relaxing, that does it the just take just taking a break just taking a break and go no one telling me harping at and me know eh you got to do this when or you have to follow this you have to follow that you've been going meeting and this and that


or you all or, uh or, ya that would be nice to but I have friends who would not let that happen


if they not you you come and join me a bit then I will just be my friends have that I've really nice friends who do that they're black, I or I just I just Netflix I'm watching grey's anatomy right now it's really good just watching it


it's really good so my free times I just watch that uh something else to do now I think if you are reaching your I won't say I'm at the stage where I'm a adult okay maybe I'm transitioning adult, I mean, I mean that's life you got to wake up you got to wake up


I took a very long time when I took around seven to six years to wake up so I think this really lead enough for me so, I mean there are a lot of things in life which brings happiness think small small things really small tokens of appreciation and friends calling out


friends know that you are having really tired the or really stressed out life you know he call you, they're just send me over food, and my friends all chefs so they sent me food over, ya they just send me food uh so what about you


ya for me opening hawker they are the one who are actually teaching me and doing stuff like I'm trying it's a western indian influenced stall, so the western aspect they're trying to handle it teach me whereas the indian part I'm doing it lah so our end goal is to open up a bistro bar


uh ya so we just working towards that, and it's even though it's tiring it's really happy cause it's something that we like and we love and we want it to, to do to blossom, so I just


ya so whatever it is I think in I think you have to do it if your heart and soul


ya ya , sorry you were saying come again


ya I mean when I die I mean when I die I don't want people to talk really highly you know !wah! this fellow !wah! really good earn ten K twenty K I just wants people to say he's a nice chap he's a very nice person, I think that's I think that's enough


that's more than enough I think that is a very difficult thing to do in this coming modern society for people to just, yes yeah I don't know if you heard this know but people always say people change that's really corn face we use, everywhere I mean man so I think just at the end of the day and people just will ask me how's how's how's this person this person is very nice person I think that's the best compliment that's the best thing happen to you


uh okay maybe a bit, and I was younger you know I was the devil when I was younger getting there slowly slowly baby steps baby steps, so what about you what are you thankful for what do you ya what are you thankful for


ya I have this friend too he's called his name is lesley


he stuck with me for how many years the first thing he does was when I'm sick and tired of, but then he was but then he like and then I still love it from like ya, that's what he says, ya those that's what we want that's what I think is the best


to uh ya then uh


oh okay so ah, if alex is all in camp based because nothing outside of camp is proper and legal so I wouldn't want to say that this is recording or whatever happened and I'll like we would uh, there was this we went for our first outfield uh alex was in my section we are same section so we were in uh Tekong the first one we were in Tekong and uh


first day first day when we were like yes you know first day and no rain no nothing no push ups no punishment and then when my OC was giving us a brief at around six started drizzling a lot then we're like not a slight drizzle you know is this gonna go off like we didn't have a tent site didn't have a basher didn't have anything up


all we did all we had did was we just put up a field pack there our rifles with us and then we just sitting down there talking to each other and then after five minutes pass and then it's just raining heavily, anyway you know what is then we were helping each other in the rain it was really damn badly so we are setting up our basher and stuff thing like you know what guys this will pass


and after five it's still raining, so after it was raining nonstop that that was the worst worst or the best thing which happened in my life it was raining non-stop so we dig our shell scrape in the rain we helped more we dig the more sand is just sliding into cause it's wet it's really uh muddy


so uh basically what we did was twenty of us was just digging one shell scrape so we basic practically we help each other digging shell scrape, it was really fun we'll just laughing around pushing around and stuff like that and then uh but towards the last few days the eight day or ninth day was too cold for us what we so what we really was we took our


what we did we didn't cuddle we couldn't because because it's not because we cannot it's because our uniform are wet or everything is wet if you wanna be cuddling together you just gonna get uh what's that cold symptom called hypothermia is it


ya let's say you gonna have hypothermia so you can't do that so what we really was we are in our shell scrape there is a really, hole we put in all our fuel so we were given fuel to make a fire, so what we did was uh twenty of us sat around the trench then we put the fuel there then we burn we let the refills the fuel


and then you made maggie so we just non-stop maggie the day so twenty of us twenty packets of maggie and a very small mess tin so one packet going or it then the next packet goes in and goes in and goes in and goes in , ya we just bitching about our sergeants and our OCs and some of them were bitching about girlfriend


they were like they will like ya ya ya, so uh ya till today I'm still very close with all of them, and, ya just because of this COVID, ya it's a very nice experience


and it's very nice happen to be there's a female platoon or female company right beside our camps our campsite then we then we could see them then you were like !hey! hi, no when ya we're in there for ten days right then they were like, no they came towards the end so the last day stop so the last day when they came it stopped already


and then they will just like you know it is not fair how come the ladies are here and it's not raining anymore , I was here for eight days and it's just raining and raining and raining how ah ladies are here it's not raining how is it fair that was nice it was really nice my company was very well known for the five months


ya ya ya each, uh both ways I guess like good way and a bad way the whole Tekong whole BMTC, if you were to say our names you know recruit Kartik or recruit down there the whole the whole BMTC will be like still till now they would remember us that's the kind of people we were


we're very fun people like we'll get into trouble but we wouldn't uh get any punishment cause just that's how lighthearted we try to do things cause we were stuck we were stuck there for five months our of which batch back then, so normal EMT just for two months only


ya I mean right after army we're really really peace, like many of them went on to study many of them went on, focus on the goals and, cause you make the pact we were we told ourselves that you know cause all these discussions we did together and we're like you know after army let's go focus on the goals and one day


we will meet and then we wait we have must have a story to tell, so ya focus on that, ya, like we don't have boundaries we don't have lines so if I were to mess up I can expect a twenty nineteen people will come to us and just hang me upside down and wait me so it's


it's a very nice it's a very nice bonding, with them, ya they love doing that especially they love scolding me


that's it


part one finance, right, so do you have any insurance policies right now


okay okay, oh okay but what what is one that you think that you really really a very important insurance policy that you take when type of insurance


yeah


what kind of coverage like do you want health coverage or income, you know like security against jobless, that kind of thing, no lah like generally in like


okay ya same okay, so, so we agree that CPF and all your MediSave MediShield all that is not enough lah to cover health health cost health care cost


okay, oh okay


look at the policy terms lah ya, ya okay as it I think health is health insurance so it's important I think it's one of the things health insurance these are the things that definitely we should have, cause ya health care costs in singapore is really high and MediSave all that I feel they cover the bare minimum


you know like it doesn't entitle you to a class A treatment or even ward B one in that kind of ward treatment so obviously the the the medical care you get is also very very different, you know like as a person in the ward A you you really get nurses and doctors looking after you like in some hotel and you you are VIP but then if you are in ward B two or C


there's a difference in the care lah the standard of care is different so yeah so I mean against a personal choice I guess you can be content with just whatever the government gives out but ya


yeah yeah


and because you can afford it you have the this capital to spend on this, ya, I think I mean I broke my arm this year right so our ya so our accident in in insurance actually covered everything so I got to stay in ward A one and everything but it was fully covered


you know and the billed came out to quite high ah it was more than five K, for I think two or three days only, so definitely the insurance help ya definitely


okay, ya


you're talking about the monthly payment for the insurance is it, oh ya ya ya I think that's another thing I feel like there's another caveat you know if I were to take insurance policy I probably weigh like how much I spend monthly paying for the insurance, you know versus if I were to just save that money on my own without the insurance policy


get it yeah I think there's a, but I feel for health care, you probably can't I mean if you need a bypass surgery I I I don't think like an average working class person can save up you'll be quite hard lah to save up enough money for a bypass surgery you know to like tens of thousands


true


that's you lah


ya but I think when it comes to the type of insurance policy you would get it also depends on where you are like which stage of life you're at I mean I guess when you are young, you probably would maybe you won't be so concerned about retirement or or like or I know you have insurance policies that are for


in case you get retrenched right so you get some payments for your family and all that so I guess if you are young and you're single it's not something that you would worry about compared to if you were married with children and family to support, you know so even investing they have all these investment linked policies I guess when you're younger you might be more willing to take risks then when you're older you you have people dependent on you you are less likely so I guess when you say the type of insurance policy really really depends on where you are


and and what your priorities are in life at that point in time ya, ya, ya ya, , ya ya ya


vehicles uh ya


ya actually ya you have to (mmhmm)


I think when you talk about vehicle insurance like cars and all that I have not concerned about my car, getting dented I just concerned about the payouts I only to make if I get into an accident


ya so for me getting an insurance is is to, you know to make sure that I don't have to fork out money from my own pocket you know everything's covered by the insurance provide, but then and the interesting thing is that I think your insurance the premium or whatever monthly you have to pay it kept kind of goes up if you get into accidents a lot ya so there's another thing that you need to watch out for lah it's not just a fee right in that sense ya


uh I think really depends on the insurance terms and conditions ah the policy that you take that that particular one lah ya, ya I think, everything is like that health care also what like they have the general scheme but then sometimes accidents are not always included and then if you have pre-existing conditions also it's a bit iffy I mean a lot of insurance probably don't cover that so evenly ya then you must like add on you know like top up to the to the basis of your insurance


ya so I know like my accident claimed was actually a top up to our general insurance policy, ya yes okay, okay I think the one interesting one is would you,


when you choose insurance policies will you stick with the same provider, or would you like go to different, insurance agents agencies, ha


okay, ya ya


so for you you will look at everything and then you will assess based on the policy terms and conditions it doesn't matter which what provider they come from


okay but if there is a tie then you will choose a provider that you maybe have more insurance policies before the if you know the longest lah, okay okay see how that make sense, ya


it's just agent ah , uh like as a would like insurance agent like who I would want to, I think sincerity as in I don't want someone who's just going to sell me policies just for the sake of it


ya it's a bit theoretical to say insurance agents they just you know they just anyhow and sell you things but I guess they also have their own quotas to reach so for me I would really appreciate someone who's quite discerning


okay, oh


!aiyo!, ya


ya ya I think


okay, interesting, and me at the end that they they're just trying to do their job


and they also have a family to feed, but ya, ya okay okay


ya okay okay I get what you mean, yes yes


ya, ya, although the way they approach is very different lah we feel like aged asians the they kinda just


feel like they have the right to, bargain for the lack of better word ya,


okay , okay okay


okay okay so, so ya I guess insurance agent we just want someone who's sincere who's not going to oversell just for their benefit lah


ya ya okay,


understand understand ya, so there has to be a balance lah so I guess we are both hoping to find an insurance agent who, can also take care of their interest but also understand where we're coming from you know as a customer if other with other , financial obligations at the same time


ya, do you have a set, quota on how much you will spend for insurance, any rough idea or would you or are you more of okay we see what happens at that point in time and then we decide from there


ya, okay


think about what, (uh huh), correct, correct correct there's so many yes ya


ah okay, okay okay


okay, ya, okay okay, ya okay, so I think in in some ways it's it's quite fluid you don't have a fixed percentage or ratio it depends on your responsibilities at that point in time then from there you you choose lah ya actually I agree ya


cause I I I feel like you wouldn't I I don't think right now I would have the foresight to to know what kind of insurance I would want and what other responsibilities I would have yup okay cool


okay


negative experience, recall a scene from a movie that made you cry, I cry for a lot of movies


no it's okay, , is it nilla or something, yes yes yes correct correct


cause he himself I think after he doubted his capabilities as a father, really, ya


I think, yeah I think that just points the bigger picture of, acceptance, you know accepting people who are what we deem as different, which is very frustrating cause you realise people actually don't you know they don't care


they only care about themselves and how they fit in, so, things like autism, and all that it you will start to realise that once you dig deeper into you start to realise it's not that they're handicapped per se or they they're less capable


they're just a lot more capable in different ways, but somehow people don't see that, you know they have talents they genuinely are geniuses in some ways than a normal person isn't but somehow we miss it up and then we label them


and that that carries on to everything ah so you have autism you have the different types of, mental illnesses, and you realise how much ostracism that the individuals face, so I I cannot


like to me that is just is is is just too much you know it's not fair, and it's to the point that people kill themselves have over it, in ordered the rejection that they feel and they face it's not the rejection that they feel the rejection that they are subjected to


you know it just, it completely degrades you as a person, ya so that's I I think that's like personality wise or in in term and then even extend any physical appearance wise , recently I was thinking about it and I realise that


we have a lot of beauty trend so for example now you talk about the kardashians and stuff, know how they want, a very curvy and voluptuous figure, whereas maybe ten years ago the trend was to be really thin really slim


you know not so curvy, and people who tended to be curvy were made fun of like you will really pretty cute you know just I mean you have no control over how your body genetics is, but you were ridiculed for that and then ten years later you see people want to be that way you know the same people who ridicule you for being curvy and now want to be curvy


and, the same thing with freckles girls use girls and boys they used to get especially the US, they used to get bullied so much for him freckles, some kids even kill themselves because of that bullied, and today you see all these instagram videos on how to fake freckles how to get permanent freckles and they use henna or they use eyeliner they use so many techniques and it's it's annoying to see that because ten years ago


people you made you, kind of force people to the brink of killing themselves and now you want to be part of that, you know that, that yeah which


yeah


yeah yeah, ya the emotion scar definitely stays with you something you don't


ya you don't forget this kind of things very easily it imprints in you, ya


ya I just think of it


sorry sorry what what was ya ya ya ya okay now I can hear


ya I be I mean the the point about being alone, I think something that


I feel I have come to realise is that people only want to accept a reality that suits them, you know they didn't want to feel uncomfortable they don't want to believe that bad things happen to people in their lives so


there there is a degree right I mean there's a scale like maybe on a scale of one to ten they okay if accepting a seven, out of ten like being ten being really really severe traumatic event, you know they are maybe willing to accept a six or seven happening to people in a circle but


for their own comfort level they will never acknowledged that something that bad, you know that intensity of that significance to have, happen to people around them so they choose to not accept that version of reality yeah we I mean which totally is


like you say I super upsetting and it's super isolating especially when these people happen to be the ones that you will condition to believe going up that they will be the ones there for you, you know people always say that oh you can count on this person and that person but then like you said when you really needed them nobody was there


so ya that, ya that that's I feel that is one of my because lessons that you know people will only accept what they want to accept and often times it's to their comfort level


it's with it is to serve their self interest it's never going to be about you and what you need even if they're supposed to be actually supporting you, yeah


not my friends, no yeah you back stab oh ya no cause I I generally keep my friend circle really really small


oh ya ya correct


crash course in army ya


yeah,


ya, to go behind someone's back like that it's never okay


upfront about it lah


ya ya he really went behind your back about that


so he isolated her


ya ya that's what it is


(mmhmm) thinking about that to my greatest fear, I think okay I've to, one is about death one is about people dying because I have seen people die very prematurely I have have friends take their own lives


at sixteen seventeen and I have had, a thirteen year old kid, pass on I mean she didn't take her own life she just collapsed during P one of the days and then that was it you know so that that was one of


there was an experience that really really , affected me, you know she just literally drop dead for no reason I I don't know if an autopsy or anything uh had it uh cause of death but


uh you know the fact that are healthy thirteen year old could go to school and then just not come home after that it was very jarring it was very, there was a lot to take in I think cause I was fifteen when that happened and even though if we were not particularly close to their family we knew them you know we knew the kids we knew the parents we won't particularly close to them but


I think when that happened it just, it was too much to handle, ya I had a lot of difficulty processing the fact that you wake up the next day and she's not there anymore


you know the brothers wake up and you realise that !hey! I used to have a sister but she's not here anymore and for no good reason you know no one saw this coming she wasn't sick, uh nothing it was a perfectly healthy child so for me that then led to this fear of death where people will die too early and sometimes you have no say you know it's just like


you don't get to decide, uh so that's one fear the other one was, I think not being the person who the people around you need to be


oh okay not being the person the people around me need me to be, in a sense that , I think for me I pride myself in being like a really understanding friend, uh supportive, sibling and that kind of thing so I want to be able to know


what you need when you need it and to be able to give that to you so for me the fear is that what if I don't see that, you know what if someone around me actually needs help but, I'm not able to see I'm not able to react to it I'm not able to give them the support that I am able to give


so that is one of my fear, yeah


(mmhmm), ya just a swelling ah ya okay


ya ya I think we have that for my rugby team too, if you can get up and play just get up and play lah ya, oh no


ya, oh no


but there must have been so scary, ya can't imagine


(mm)


positive experience, what's your comfort food that's the most ya sorry, oh ya what's your comfort food, comfort food comfort ya


I knew that, like it's so heavy I would say chocolate that was the first thing that popped in my head


so, okay fine, you can say Thosai Idli, no just just rice okay, mutton or chicken or prawn


okay, , okay, so so so whenever you are sad or you feeling annoyed or just out of it Briyani can always cheer you up


always without fail, okay, what's considered good briyani then where where do you think is one of the best Briyani that's you had


I'm I'm anything, ha, oh okay do you prefer dum Briyani or normal Briyani


oh my god, like, okay


ya ya, (hmm) yeah yeah, okay, yup


, okay, before I die oh my god, I mean the simple answer is that I wanna be happy, like genuinely happy with myself, you know when you have that that intrinsic satisfaction


there sometimes I find it's a bit hard to achieve cause you get caught up in in expectations from others, but ya I think when I really really happy have peace with myself that that is my ultimate but materialistic wise I have always wanted to travel to russia I don't know why I don't know why but I want to go there I don't know what I want to do there


I don't know I think I wanted to go since I was eight and when I say I didn't know about it exists that so I don't know why I just want to go, ya, oh what


ya, oh ya I remember him, okay


ya ya okay, I wanna go on a safari


ya, I oh ya ya dude I want to go on the safari there, eh I don't mind ya I will bring my my my partner, yes


ya, oh, achieve before you die, okay


ya, okay okay


, ya, okay okay okay so, nicest things someone has told me


oh !wow! uh, I don't know, I don't know okay I can think of the most recent thing, I don't know if it's a nicest ever but uh cause I recently joined the new CCA in school right so when we had these get together with my sub group


, apparently I have a very nice face like I have a very sweet face, so that was people's first impression of me, ya they say my face look very nice


that was their first impression okay, it will probably change but it's okay, ya not yet not yet, this can be TC rate okay ya that's like


one of the most recent things, a nice thing peace, ya do you remember like the nicest things someone had said to you ever


oh okay, !ow!


oh no but that was such a great date okay, oh is it he scared you always complain and you don't study,


, so in natural is that is that is that something you're secretly proud of having don't study but then you still do well for exam, how does that even happen


so you smart lah basically, oh was that everything in your world just revolved around soccer


ya ya ya ya , oh !wow! okay okay


ya ah that's that's a lot of learning, ya ya ya ya I thought that's nice, that they they kind of took you under, their wing right


oh, , okay okay


ya, oh that's so nice, Shiok ah


, okay okay okay interesting


so so back then your perfect day will just be whole day soccer lah okay what were your perfect be now so how is it changed since army


, ya so what would it be now so what would you think your perfect day will entail


ah so just taking a break ya so you're saying your normal days quite hectic okay, ya, ya oh my god my perfect I feel like the perfect day when ya definitely be a hot drink


but I want it to rain, you know and then you have the cuddly weather where you can just go under your covers you just put your blanket ya, either you


ya, think either you read a book or you watch TV or you just sleep I feel there's the perfect day


okay, yep , sound so old


no no


oh oh !wow!, oh my god I wish I had friends who was chefs then get free food, oh okay


okay


!wow! ha, say your baby you all are nurturing it from


infancy all the way okay, ya so is this one of the dream say goals whatever that we talked about just now that you want to achieve before you die I mean I I guess if you're embarking on this then it's something you wanna see to completion or that you wanna see


as a success, you know you want to see this enterprise blossom right, oh like it this is something that you probably want to see become a success


okay, the personality traits and your character lah this


ya ya


has anyone ever said that about you so far, so getting there lah getting there okay okay, what am I thankful for


uh !wow! I think I thankful for my friends they've been very very very supportive yeah, you know they're the kind of people that, they know you need help even before you know you need help kind of thing and they never shy to