ya so I do not I don't tend to remember such hurtful words, yourself or maybe I'll think but you can say


I see I feel that sometimes, some people, or, or our close one or our loved one should, uh use hurtful words like uh calling you useless or


or good for nothing, this this kind of demeaning words or sentences they they they would think that it's a it's a negative it's a negative reinforcement but then they are trying to push you to do better


in life yeah because sometimes some people feel that when you use negative reinforcement it will drive the person to do much better, but in fact it's actually quite sensitive to to a lot of people so I feel that


ya it will not drive someone to do bad thing fact you will only make the person question their self uh esteem you affect their self esteem and emotionally mentally it'll be, difficult on them


because they'll question their their doubt yeah they will question their worth their doubt , ya useless good for nothing yeah these are the ones I will forget yup yourself uh describe the saddest scene you ever witnessed


for me I think it would be when I was, fourteen or fifteen in my secondary school


uh when, one of my classmates actually committed suicide yeah and and she was one of my close friends , and she decided to end her life and the the very


funny thing was that her mom was a counsellor a teacher , ya her, parents were working in the social service line so and and she ended her life in the place where, all all her family members were at home and she ended it in in the house


ya so that was a very it it's a very sad scene to watch when during her funeral lah, yeah, I felt that yeah there was so much more than we could have done, yourself


I see, uncertain anyway yeah uh


I think for me uh I can relate to this certain farewell, because I I feel that whatever I do there's a there's the like there's a benchmark in life but you can always , go beyond that benchmark


and do more than what you do so , uh it can be anything like studying and education your career uh anything


no way ya I also can hear


okay, it's okay, okay ya so, I think a time when I felt I wasn't good enough is probably uh


during my studying period when I was studying preparing for O levels ya, ya I felt that uh I could have done better than that yourself


yourself


mine will be very simple , whenever we are outstation in another country and you're left alone, ya and for many days can go up to a week but usually I'm very preoccupied with the things I'll do overseas and the people that I'm with


but there will definitely be a time when you're going to sleep when you feel you very far away from your parents your loved ones from you from my siblings, so I'll feel like uh what happens if the world's suddenly yeah and then nobody cares yeah


I won't because we are grounded which I'm enjoying, yeah you


of course not yes yes, (mmhmm)


yes,


yes, I see okay


that's good, so what do you often worry about, , money yeah


for me will be financial stability lah yes, yeah


, of course yes it have it have, yes


, saddest moment of, ah uh


what's your saddest moment of your life charen, , okay , , okay my saddest moment of of my life would probably be


be, will probably we, actually I don't have one yeah


yourself,


yeah agree, , yes and part of the yeah


stage anymore yeah period of time, yeah, I think for me because like, depending on funerals or like the stages in life that you go through I've always


like, reassure myself whenever like I'm reaching the end of it like for example if like I'm at a funeral I'll just think that okay this is part of life and you will go through that so I don't see as a sad moment I I take it as a reincarnation and then like for school


I just see it as a progression ah so I never ever see it something to that sad yeah, I feel like everything they do is always a progression like a moving on in life so ya, so is there one thing you wish you could change but will never be able to


so what what would that be shall I go first, or you like you or you


, I see, for me because I am very much about like global politics and everything and changing the world so I would be more inclined in helping


everyone, so one thing I could I wish I could change would be because you know why how everyone see there should be a balance of like good and the bad, ya so I fear that I wish everything can just be positive and not yeah for


example uh , , like all the war that's going on in the world lah I wish that nothing of that of that all will happen I wish everything can be done through civil civil manner instead of ya you get what you mean yes ya


there's something I wish to change lah just happiness in the world, okay so for me like I said am in for


during funerals or anyone who goes through a loss or I would think that it is a part of life and there will be a reincarnated and , ya it's a part of it it's just a part of life lah like so it's moving on like progression so I would not see it as a sad moment instead I would feel like


yeah, it's happy for the person I would feel sad because of my journey with the person, because of my relationship with the person but I will just wish, happiness lah


for the person in his next life but uh I am probably saying this because uh, I never ya, never truly felt, that emotion yourself


yes ,


what makes me stress uh, not being able to lead the lifestyle that I would want for my future, I am for future plans lah ya


be realistic lah ya , okay so what is the most traumatic incident you've ever experienced in your life


well


mine is similar but mine is on board and yaah very uh senior citizen elderly couldn't even breathe after take off , I had to give and this this didn't happen once it occurred like several time like I have to give the oxygen inhaler and everything so that was quite dramatic but I learnt to do it with grit yes


what's the biggest thing holding you back from your goal , maybe right now we will both say COVID nineteen, COVID nineteen yeah (mmhmm)


yeah


positive experiences, okay B so tell me when described a travel experience that left you in awe


oh that's great mine would be with you, when we got uha rostered for Paris and we unintentionally without planning we watched the sid sriram concert, concert yeah we had a crazy time there yeah that one we we didn't even buy the ticket till the last minute


yeah we had, that one was a very nice experience yeah so what was the biggest reward you had had ever received after doing an awesome good deed,


for me for me I don't see reward as incentives like ya like physical incentive so I think the biggest reward I've ever gotten was uh, I think helping someone on board because we work on board right and then there was this person


I was helping his mum it was a flight to india and then we were helping the I was helping the mother she was quite old and then the I think the the son who's who's in his forties he actually wanted me to work in his company so he emailed me


, ya so I feel that that's sort of a reward because maybe I was helping the grandmother I mean his mother who was having difficulties, , yes and


uh, you can go first


oh yes yeah I remember this


mine ah, uh, generally I always see people in good faith so I don't really see bad renewed unless like uh, maybe when I feel like even in selfish situations people still do the kindest deeds so maybe that's when I'll feel renewed but I can't really recall a situation scenario right now yeah


but generally I always feel people , are always good natured yes, hold on ah ah you can go first


a dread or a dread


yes, I think anything that I do for the first time when I feel super excited ya anything that the first time


describe the moment when you felt the luckiest , the the moment that I felt the luckiest


I think I think uh, when I see someone in, in a very unfortunate seat or you know like whenever you scroll Facebook or twitter and then there's a lot of like


war going on around the world, and you take things for granted like a shelter over your head and you have food in the table and you have your loved ones with you this like this three thing I'm like very basic , but so underrated like people take it for granted so


that's when whenever ah that's when I feel the luckiest lah you


proudest moment, I think currently uh , it will when I pass my driving test that would be my proudest moment of my life ya


yeah yeah, clutch ,


what amazes me hands down, what amazes me , I think


I think that uh not a lot of people can cook very well like home cook so if you can actually cook, it's a very good thing ya because not everyone can cook but if you can cook well that that's a different thing


ya because everyone can cook ya you yourself


good buy


my future my my future makes me want to be alive ya my future with you with ya our plans yeah that makes me want to be it yeah


so what is a skill or yes yes, , , okay


oh I was thinking about this what about you do you have any skill that I don't know


with your instinct


that's good ah , I being I'm secretly proud of swimming better than you, yes so that's a ability I mean a skill that I can I'm proud of that I can same ya


I think for me will be last night because you gave me a box, or, yeah things a lot of sweet things in thing ya


so that would be the most recent yours , oh and the flowers really


okay describe your favourite activities to unwind and would like I think our favourite both of our favourite is swimming


, playing that playing, yeah true


yeah yeah, Ideal , mine would be like in a in the beach setting like somewhere with no buildings


I don't like urban , ya like away from the urban yeah, yes,


describe a time okay, can't wait that I will shut everyone up, , I wrote this down my would be when you know like when a group of people you're hanging out with a group people like, with guys and then they will make a casual remark that everyone makes and talking about like a female body part where where they make fun of were already think it's amusing


sometime like you just like shut them off like just one sentence about disrespecting , such talking about such issues like there should be a bit of sensitivity to that yeah, so that's that's a good comeback


yeah, you yourself B


, , yeah, yeah yeah


my best surprise, uh the most recent one will be last night, yeah the basket uh the ah another best surprise uh, you how about yourself


ya I'm I'm still thinking maybe, probably


, yea , yes


mine was I think I think there was so many incidents but there was one where you always do this like whenever we were go out with our I would plan to go out with, my friends and then all said no I'll you we will plan out as you go out somewhere and then suddenly you'll bring you will just surprised me with a friend I have not


met for like two three months like we've been never yeah there there was there was a creates create surprise like ya, like ya like I has not met her for like three four months yeah that was a damn good surprise


, okay so despite global uncertainty what makes you optimistic about the future


of course yeah


of course,


ya of course I feel that everyone should be optimistic and staying positive especially during such a time because it's very easy to fall back, and be negative so


I would say that, uh, it's very important to realign your goals and your for the future so that you have something to look forward to , yeah especially in terms of your career path or like anything like a new sport a new hobby something to keep you feeling alive


that that makes me optimistic something to look forward to because there's another never ending, list of activities that we can do in the world that would make you feel happy ya, yup yes


so that's all , what is the nicest what is the nicest thing someone has ever told you yourself B


yeah you have a lot of compliments yeah you have a lot of compliments but ya that's just one


, oh I think the most recent was uh when we when we were when I was helping uh this lady and she was crying like nonstop like profusely and then uh she didn't even look up at me because she's


too engross crying until like five minutes ten minutes later she looked up at me and then she's like she's complimented on my eyes lah so I was like oh and then she told me that yeah that's why I felt nice


okay describe your perfect day,


insurance, I mean I do have insurance ah I have three plans that I've taken uh the three plans uh under AIA the first plan is uh the AIA


healthshield gold max plan so this plan basically uh , is covered in via MediSave uh man, it covers hospitalisation bills in private hospitals and and public hospitals in up to A to B one plus wards


and also like uh this, this uh insurance plan right benefits like has life benefits retire and more comprehensive medical coverage the second one is the uh AIA, critical cover the critical illness planned so basically uh if you have any serious illness it covers you for a hundred thousand and and this for example this hundred thousand twelve months later


can be uh that would be a reset in this plan so you can use the hundred thousand again so that's why yeah I took this plan the third one as the AIA solitaire uh personal accident plan so, personal accident plan is like you know, for in case like you meet with an accident


or uh maybe you you you natural disasters you know you are, given like a a lump sum uh if you if there is dead caused to you your loved ones would get a reimbursement so , these are my three uh insurance plan so what about you reina


okay, oh, okay okay


alright, okay, oh I see okay sure sure sure


endowment plan yeah I have one baby ah have ones which is from prudential lah, pruflexicash, ya uh so that is under like you know you you you, it's a agreement for


twenty years sorry fifteen years , uh so in the fifteen years there'll be a monthly , monthly, prorated uh a money or five hundred dollars which I agree to, uh put in , this plan so


there would be a three percent additional income no there will be a three per cent uh what do you say bonus after the second year ya correct after the second year so basically of two years later, every subsequent year will have a three percent bonus


there will have a three percent bonus ya it's it's like a guaranteed return so but in case uh I will I will touch on the guaranteed returns , uh later uh regarding the what term life insurance or uh no sorry investment linked policies and stuff but for now to keep it simple lah ya took the prudential uh pruflexicash endowment plan


and it feature is basically it has a more, stable return and and you have a it's for it's it's for those who want to just put aside some of for a savings and and to just see it where it goes from there lah yeah what about you


why yes, okay what are the features can I know, okay okay


, but it's, oh so but but


okay, okay okay, yeah


okay so, oh I see is it is it is it is is guaranteed the, okay so will


we'll go with the third question by term, and, and vest the rest do you mix insurance and investments or do you keep them apart reina,


okay, yes


yeah


ah ya correct, correct correct, ah okay okay so you, okay ya I mean same like for me I I always had the


I always had the thought I think I've also mention to you right where prior to this that I would never mix mix a investment and insurance so I I, do not I will never mix because I think, if you the only reason okay one of the main reasons is because


uh when when anything happens right you you wouldn't want to, have a very messy structure like you don't know where which were under which company you have investments or you have medical benefits or , insurance so for me it was clearly because of that so fact I know I'm not


that much I'm not a very very super, plan, yeah I'm not a plan person so like okay you talk about insurance AIA AIA is any medical insurance for me so like I guess that's also why I would stick to a normal uh you know I will never mix insurance and investment


yeah so yeah do you have an ILP ha, do you have an investment link uh sorry it term life insurance uh or whole life insurance, what do you think is better for you


, oh, okay, yeah same same


correct correct correct, but but yeah yeah exactly but that's the whole point where you just want it to be like a security safety net right, ya alright right I mean same I would agree you know like with the ya correct correct for sure


you know , how about ILP's but but do you have investment linked policies which I don't know


okay okay, uh okay I mean, for me ya I made the smart choice ah we no but I I I


I think I just didn't have a more I wasn't super exposed to ILP's and then I never favourite ILP's like because like I said I was, yeah so you know for me I'm more for like I believe in endowment like a stable saving plan compared to ILP because there might be a


yeah there might be a high, a rise or like you know when it ya high risk and then if it, if it's if it's if it's good returns you know, you those maybe maybe those who have, a more and then they are willing to take that risk can pump in for ILP's but for me


you know because I notice so what if it if the company makes, a a loss it will eat into your principal account right so so you wouldn't want that I mean for me yeah I guess I don't have any ILP's and I don't believe in it but uh I don't disagree with people who believe in it yeah then yeah


so about it, , , my thought uh


okay I mean I think it is I think it is, it is all right but like if you can afford to take personal insurance you should like maybe in lower income families they do not, they they they put in two hundred dollars or three hundred dollars from their monthly income is a lot of money but maybe for some was first we can we can afford to put it aside


but like I I I I think C CPF insurance coverage is not enough if you ask me, uh it's always better to take uh like you know a P personal accident plan P, you know it's very important and critical illness plans


but of course uh the what what do you say I think I I think yeah the, ya it the first plan which I mentioned the max A, uh it it it is deducted via MediSave anyway so, that is one way where where they could they could just use insurance coverage but


but no I don't I don't really believe in just taking a CPF insurance coverage what about you reina, yeah


, yup yup correct correct, oh okay okay


I see I see uh !wow!, interesting, but so basically you don't really believe in just having insurance coverage right, so basically you don't believe in in in just having a CPF insurance insurance coverage


okay what are your thoughts on MediSave though like, you do you think it's it's, it's a lot that the government is setting aside for us or it should have it should just go like she should just be part of our CPF


okay ya ya ya


ya I see true true


uh, ya ya ya of course of course I mean yeah I think insurance


I think to plan own insurance and all like it it's always loved ones right your family and your loved ones who they say, who they recommend because, ya trusted agents because there are so many of them who are there for the sake of you know just being there and and may not doing a good job so


I think trusted agent to I would wouldn't approach any agent but I would always hear trusted, you know reviews and, recommendations ya correct correct, yeah yeah yeah yeah


ya correct correct, yeah who have yeah exactly what do you, what do you look out for when buying influence policy do you see insurance as an essential expenditure


yeah, what age what age will you more aware what age will you that super aware about like you know you must take an insurance and and all that


ah okay okay interesting, yeah I mean I feel what I mean when


buying an insurance policy I think, first of all it it is essential but I'll be very uh I mean uh very honest answer is like, you know when we are twenty twenty one twenty two we don't even care right like what's insurance and and stuff so


it only hit me when I was twenty four ya twenty five when when you know , I I started to realise !hey! like, there are you have to always safeguard yourself your future and, and I think insurance is all about


choosing the right insurance agent right, because you never know you never know what may happen or, when you might need it so having a very trusted agent who constantly checks up on you is very very very important for me like that's what I would personally personally looked at


in any insurance because, ya, it is essential ya ya ya, uh essential I think


I think, the most essential will be personal accident, personal accident uh insurance which they have to take as early as possible which is which was under the solid


no you know PA P no think about it PA right person accident rights fall under accidents and and while driving also you know, so like, teenagers who are nineteen twenty are are driving so like, it is useful it is very useful and


high risk jobs they do have their own separate insurances in their own company so like if you tell me what a super central then I think that would be one of it lah what about you


so okay, okay okay, so you so


income I think ten ten percent ya I guess, I put aside ten ten percent for for, for my insurance like uh MediSave excluding MediSave but


I think on a monthly and nett deduction like I would always prefer like a ten to fifty percent yeah how about you


I see I see, so do you do do you get insurance when you're buying a car when you're travelling when you're getting a property having children domestic helper


okay so I think, I mean when I'm travelling definitely I don't pay the airline for insurance lah I mean I I I guess but, right now no I don't own a property I don't own a car and


clearly don't have children so nah I just on my own, I own health you know ya same same, ya same correct correct so what do you look out in an insurance agent


okay okay, okay, okay, yes


correct, correct correct, yup yup yup, yup


okay


negative experiences, come reina describe a time when you felt trapped or helpless, yeah


alright


ya for me would be when, when, I was sent abroad to school I was super helpless I was nine years old , uh without my family my parents uh ya, very helpless you just don't know why you're there


at that age you are very young you you have no reason, no explanation you just you just yearning for like your parents but you don't really, have them and they you were away for months so very very very trapped and helpless


yeah what else uh what are some, hurtful words, you would wish to forget you know I mean I yeah


okay, okay, uh hurtful words, I mean, same mine at work uh, when


one of the supervisory role, a lady right she was super harsh uh, and she was pretty much, targeting like my whole upbringing and the way I do things and


and everything every little thing to how I lift the spoon up, yeah she had something to say, which was uh which was not nice and you kind of question why you working there and all but


of course you know it was just one of the, most, hurtful moments ya during work, uh what are some she said you know she said, things like, you are the more slowest person I've ever met you are the most


uh unorganised person I've ever met uh yeah those kind of words which is, which may not be too, too severe but I think it was, worst for me it was more than that which I would not want to


disclosed because of the profanities you use but, but yeah that was one, do you do you do you have do you remember


, yeah, nothing right, oh !wow! I see


yeah


so, okay, so some so some hurtful words, so some


so for you some hurtful words would be useless uh you good for nothing, okay okay okay describe yeah, you want to go first reina


oh mine was with my grandmother passed away at fifty nine years old due to cancer it was pretty bad yeah she was pretty much a mother to me, I and and we we love her a lot so when she passed on


at such a young age it was shocker, for everyone in the family and then given the fact, given the fact you know, , yeah it was it was it was very sad moment I went to the hospital at twelve, saw my grandmother at such as state it was very very hard to see like the person who took care of you so much is


so unwell and you cannot help them you know, ya very very affected during then yeah, describe a time where you feel that nothing you do is good enough


!huh!, describe a time where you feel that nothing is good enough, yeah I mean


yeah when, okay okay now describe a time for you, like for you, it's not generally like describe a time when where you feel that nothing is you do is good enough it's okay


sorry


no, no, mine ah


no nothing nothing nothing you can never I always like muted my computer, uh volume is that okay, okay, alright


can can sorry sorry joan


okay okay so, okay I see I see, for me was, didn't feel good enough uh


I mean usual when, when you don't know why you why you away from your, from my family, when you were sent to a school to study alone ya that's how I questioning what did I do wrong and I felt maybe not good enough


correct correct describe okay up next question, describe a time, where you feel that nobody cares about you


okay, okay


wait but I hope you don't think like that anymore, yeah, yeah kind of, but I mean even if you do like you shouldn't think that way because yeah true lah I feel that way


ah nobody cares about you no I I've never felt that nobody, cares about you I'm sure like, no matter what at the end of the day like their families of your absolute bedrock so like I'm sure they always think about you


there was no time but I I'm sure like there will be people who, of course you know you should be , people have it way more difficult you know but like for me personally I I don't have a time where I feel nobody cares about you , uh it was only during my ya it was only during one of my flights where I felt that way


early early this year but other than that no no not not at all yeah, (mmhmm)


money, no no no, ya not not not not I mean of course like yeah, apart from just that, correct correct that would be something that, scares me a lot being a


singaporean and and you know in such a very, a fast paced economical rising, ya country you have to constantly strive , and also uh my parents ageing that scares me a lot really


it's scared me a lot alright next one, saddest moment of your life, saddest moment of your yeah


uh, when you got to go first I've been going first for most questions, right you can't push negative experiences to me come on you got to go first


what, yeah I mean mine oh mine would be


I miss I miss my school like like I missed school like , after you attain that age saddest moment will be when when I realised, when reality check me you know like home miss home miss here


you know what I mean like when I was eighteen years old before going to national service I realised uh, wait a minute you know your you actually belong here like, it's just it's just a so that's was, one of my saddest because you just can't go back to that


that whether that that that, that that environment yeah kind of that oh but not very extreme saddest


yeah


yeah, yup yup, yeah, oh !wow!


ah uh joining, no I I've always have you ever, oh yeah I would I would I would never it will never happen but


I always wonder like what if I join another company of the similar industry where would I be like that were something that I in crossed my mind yeah what about you


okay okay, okay


okay but yeah alright alright alright, okay okay


any okay any question have you gone through any lost in life how do you deal with loss


oh okay, okay, but you will feel sad right I'm sure you feel sad


uh yeah I mean grandma passing on I think I mentioned this earlier like then that I mean seeing seeing oh no no no no no I know I know when, it was last year I had I had to take no pay leave to go to uh


to go to malaysia for funeral and, and the second time like experience like that that whole whole feeling again you know like, it wasn't easy and then this lady was my uh granddad sister so we were relate relatively quite close so when I went there


it was it was a big scene and like you would never want to be part of there and you will never want to meet all your relatives in a funeral so, so I I that that's something second second time I felt the same feelings so it was pretty bad


yeah, what makes you stress reina,


stress okay correct correct correct I mean I'm sure, I'm sure like ninety nine percent of the people like would would would would never achieve like exactly what they want but, think we should that that also stresses yeah that also stresses me out like you know but oh well like you said it's it's always part of life right


yeah what is the, I was during national service when I had to draw my revolver and to point at a subject, that was the most traumatic incident for me like it was


pivotal lah because it scares you you have so many things to face after that if things went wrong but thank god I don't have to do anything and and yeah for you


I see I see, okay okay


uh because thing holding you back from your goal oh I can answer you this okay and you can go ahead


sorry what what's the biggest thing oh ya ya ya, correct correct this pandemic yeah ah how do I say because thing holding you back yeah


yeah we need to be more, I feel like I feel like, and not just me but those those who are, not willing to work harder ya , biggest the biggest thing like you got to always know how to work like be willing to work way hard


you know if it if if if you have to so, so that is one apart from COVID like this whole thing really really hold holding us back, anyways yeah


positive experience, yeah, a travel experience that left me no attempt I I'm sure I told you this but I'll just keep it very quick you know my flight


after I met you in the briefing room went to London and and, and, and and I watched the Liverpool game in London , it was a champions league second leg against Barcelona it was great atmosphere , you know ah english people and spanish all of us in one bar two level bars and


we had a good game and then after that I went to the bridge and and had, hot chocolate that was a good one, what about you !ee!, okay


oh ya ya ya ya ya correct correct correct correct correct, ya ya ya, ya ya ya correct correct correct


oh what , oh so grungy man and wet reward it uh you have ever had received


a good deed , I really don't remember getting a, reward reward by like, yearly yearly helping out in in in one of the uh ashrams like, what do you say orphanages in india like uh was was something I really very keep close to my heart


you know when I was young so we do it every year because I was in school and then that was that was something I will take take back you B, yeah exactly


ah ah ah okay okay, I see I see I see, ya ya ya that's nice, describe an experience when your fate in man kind was renewed !wow!


fate in man kind fate in mankind uh ya I mean , I mean instead of talking about the most far fetched , incidents I would I would I think just last week right I was cycling to #Bukit Panjang# plaza


and this old man almost tripped and he fell uh off to near to the road so , before I reach there were already like two of them and one of them were , ya one of them was an indian nationaloh definitely she's an indian national with her child but she was there park and she was willing she was helping him you know with another


uh singaporean , uh individual ya so I think, I think and then I stop, I stopped and then you know you do you realise we are not still we are not not everyone a selfish we are here to help I, ya to keep it short and sweet ya that was


one of my incidents you B, , very very, ah yeah I'm sure


okay but I I see alright alright alright, (uh huh) (uh huh), , uh what lead you to experience an adrenaline rush


uh you mean extra game my experience, my experience, what leads experience in adrenaline rush would be high in density workouts or high density activities like skydiving or jumping off


high altitude buildings yeah I I love I'm a adrenalin junkie so I I love I love such uh sports what about you, ah


okay okay this one is pretty pretty uh, interesting describe moment you felt the luckiest, you know I think you should go first go come on


yeah, a quick one I mean


yup yup yup, correct


yup yup yup for me uh of course like, uh my family I'm really thankful for my family so the way, they treat me at home and for my loved ones very lucky I mean touch wood and I do feel lucky


proudest moment of your life, proudest moment of your life


oh ya ya ya okay okay okay I mean mine mine mine would be same too like you know the one I just did , to to and I hold this back pretty clutch hor, yeah yeah that was that was uh most recent proudest moment


uh what amazes you like hands down hands down what amazes you, yeah, I'm sorry, yeah


oh okay , , okay I work I work on it, soup yeah, I'm sure yeah of course


uh, , you know I I think what amazes me would be like, when you're just, when people are positive you know when I mean positive people when when , and the moment they step in it's just positivity it's just positivity and it's good energy and


no, you know yeah they don't talk, things that are not relevant, you know , very very different, positive energy which make allows you to look at life , in a very different perspective so that amazes me like you know that factor amazes me when I look at people


and and in every aspect of my life lah ya what makes you want to be alive next one, yeah right, yeah correct correct


ya I think yeah in singapore you know like, we are quite fortunate so , future ya futures is a is a so long road a ahead who but, but ya same same same same thing you know future with us and and


and this whole process, yeah really look forward to, wait ah yeah, and and ya one more one more one more what makes me feel alive dogs dogs


yes yes dogs okay okay, yeah let's let's go okay next one, , yeah what is a skill or inability that you are secretly proud of having


no yeah ah, what is a skill or an ability, , uh I'm okay I'm not, very proud but I'm very confident that that I can identify people


and the word yeah the minds things body language the what they see what they talk how they talk how they present themselves like , uh yeah I think that's just a secret skill of mine men like be a hands down you know I goes to a setting easily I think like I can just take five seconds I can spot people who are just there to make things worse for certain people ya that's my secret skill


, ya because they said secret skills right so ya it's a secret skill, , {ah] please,


okay okay, yeah alright alright, oh when did when did you blushed the most oh my god


!ow!, okay okay, mine mine ah, when did you blushed the most most would be


when we are what when, I saw you in the briefing room for the first time, ya of course ah yeah yeah of course of course hands down man like one of the uh defining moments I would say, when I blushed yeah, for sure okay come let's not uh stay in there too long when describe


yeah I mean no swimming I would say it depends no my favourite activity just unwind is you know okay this is what I would one


my dog, you in in like in a very chill spot, you know just chilling yeah that that would be, a very very ideal thing to do ya what about you but of course swimming


you know ya actually walking is a very underrated right yeah walk walking in countries sides yeah


chilling in lavender fields ya, that's that's correct correct, , oh and described a time oh my god when you made a comeback and shut everyone come on come on


ah, correct correct correct yes yes yes, okay


okay, ya I mean no there has to be a lot a lot of sensitivity not a bit but there has to be a a decent amount of sensitivity for me come back ah, uh that shut everyone up would be


uh honestly I don't remember because maybe I do it all the time just kidding just kidding just kidding wait, uh, come back that shut everyone up would be when I


oh yeah when I play basketball right in singapore because no one , no you can only count the number of indians who play I mean no pun intended but like it's just majority just the interest right so, when you go to the when I first first went to the basketball court you know you can see everyone just there judging me and like thinking what is he doing here and ah we are not going to let him play


but but you know when when I when I played and and they saw it was different and it was really very good feeling you can then you can see they all felt bad yeah so that was that was one what is the best surprise


maybe no okay other other than laugh no, come on I asked you come come you go first, best surprise


uh, my best surprise was uh, my, my birthday right the video you made like the video plus the cake which you bake was super awesome


yeah and it was circuit breaker so like it was something the cake right it was a big surprise because , staying CB period yeah what about you


yes, yeah yeah yeah yeah I'm sure, oh ya ya ya I remember that morning in the gym right


okay okay oh yeah yup yup alright come, despite all the ongoing , ya, future optimistic about the future at uh


and I mean first of all can't wait for the vaccine to be an official vaccine to be out being super optimistic about you know just travelling all over again and this time like you know going to be doing it with so much of of of greed and passion


uh future, maybe we do have a bright future but we also should never take things for granted given what happened, and and we should be patient ya for things to slowly just take its cost and and just rejuvenate again yeah with and with this applies to everything


uh in in in in the world right now you know with US with racism there you know with with with asians facing racism in in london with you know with the suffering in the middle eastern countries and


yeah the amount of plastic being disposed in in the ocean yeah so I hope everything slowly just just there then I hope there'll be measures for all of this what about you


be yeah yup yup yup ya, yeah


yeah of course of course, yeah, yeah


right alright, okay okay darling alright, oh this is a good one, yeah


so, a nicest thing someone has shown me this is ah I think would be


I speak well yeah, I speak well uh , you know it's weird but like oh you speak well I'm just like okay so how do I have to speak, and yeah and that one of one of the few thing


oh what what, and I no no no I mean, cannot compare to you nah what about you mean I can tell you I can name the number of compliments you've got


okay okay oh yes with the mask on lah and and plus with the mask on, !wow!, alright alright alright this this is nice okay okay


perfect day perfect day, my describe my perfect day okay perfect day for me would be you know morning breakfast, along with my cocker spaniel and you


uh then and then you know evening chill and then uh go for uh evening activity you know maybe just swimming or cycling, uh very underrated but I think this is pretty awesome and then come back cook dinner


have a good meal and then you know calling it a day that that's super, super, that's not bad what about you


financial related topics


my thoughts uh firstly I think investment is actually a good thing to do because, err I think now err during, this COVID period of time where people lose their jobs and they like


get err want to find job which is hard that is where if they were to have investment back then they can still have the money, that's my point of view err sec ya oh carry on okay there


basically for investments you need to know your net worth and err what other thing what another one net worth and your, I forget an another part where you need to spend on lah ya so ya as in


that as in okay net , net worth is how much you you have in the end and how much you need to spend on so basically if you were to like want to invest on something you need to know


what's err what are the things that you need to pay like how much you earn and what's the remaining balance so that is your net worth


how much at the end after you paid everything lah, include include okay ya first is your salary right so you need to pay off your let's say your bills and then err your maybe credit card payment loan or everything once it's minus everything that balance is your net worth ya from my knowledge lah


nope because that is the balance what


save err it's not save it's the balance of the money that you have already paid


err I used to tried err the endowment plan for NTUC err that one was for five, years where they covered insurance and at the same time err that's like a savings plan


ya something like that but you're also insured by that, nope ya there's a span of err a few years lah as in five ten you can choose


then err I did that, then currently err, from what I see there are a lot of investments err parties or companies going on so basically uh I'm part of I I I joined StashAway is under monetary authority of singapore


where you put in err a few of your your money how much you want to put in and it will invest grow grow in at at a certain fixed amount of percentage where if the economy drops your money won't go down also


there is that there it there are both there are low and high so if you want high you can earn more but if there are losses so you will lose high ah if low ya


ya I went for the low one lah definitely, no no no stash no no the stash the StashAway is err I can withdraw anytime I want and I can deposit anytime I want ya is a easy easy app ya


there are a few percents ah because there are a lot of options you can choose from, cannot tell you lah how can tell you my returns like that you know how much I earn what


err then wait wait wait there's one more I forget , oh yah there's there's also SRS do you know about SRS


ya you can you also invest on that you know that using your CPF money to invest


that's what you thought lah, ya you can also invest on that on your SRS so that means uh that is for your retirement scheme fund is not what you said just now the meaning SRS so what are your thoughts on investments


fixed deposit [orh] so you will get returns after that lah, that's like the the one that I said lah the one with insurance ah uh uh ya okay


so you're family man lah okay alright (mmhmm) ya


I didn't say is not so good about that that is for your that is err for your retirement scheme, fund where you use your CPF money money


that SRS funds will give you more lah because you invested it, way earlier we put in put in money you deducted away ya every month


ya correct, from my knowledge lah ya that is the SRS ya


think that's about it lah other than I tried err POSB because I I this this kind of thing you really need, to google and really err


really see differentiate ya everyone would differentiate all the different schemes lah ya POSB also have, err I did engage a a financial advisor


because I even actually tried to uh join the finance department lah


no need to know lah , okay next err share financial err, what do you know about forex what what what uh what solution


buy and sell stocks okay okay what [orh] [orh] your, okay okay okay I know I know so that means you must like keep keep


when I on the like app or what whether that stock is up or down then you sell launch or buy right okay


is it auto or manual, sell so you made a lot lor


I mean every everyone wants it to go up and who wants it to go down am I right, I think that's a different kind of err subject as in


then might as well Tikam you just wait for the shares to go up and then you sell


I can't say that I can agree with you but if you say like that that means investments are like that also what


ya lah because you you you will invest money monthly what so monthly the


don't know ah because I I I don't know about forex much so ya


no not really not into forex ah I wanted to try but it was it was damn difficult, as in like you said lah we like manually we need to see the the the the graph where you need to know the patterns and everything ya it's quite a hassle lah but I have friends who do that full time and I think they earn quite a lot


ah through that forex trading ya, do you say that's gambling then he is a gambler


err not too sure but I would invest definitely invest ah uh maybe uh oil oil trading


can also same thing oil gold, not really uh, ya not not going up but it's it's not going down


either oil or gold lah I will see which one is better obviously like people would want to earn more what


of course lah I will definitely normal, normal normal savings plans because err they have their own uh bank once they are born government will open a CDA account


for them ya so if, yes into the account because if we were to put uh let's say I were to put hundred dollars the government will put double so you'll put another hundred into it


ah ya for the newborns lah ya correct, you can try ah I don't know whether it applies for now ah


robo do you you use a robo-advisor to invest my robo-advisor you not you didn't, oh so how was it


the one that I invested in at the StashAway that is considered a robo-advisor what, they will advise me on like okay they err like let's say uh why do I want to invest money err like as if uh would I like want to


buy a house or a car or am I saving up for future retirement plan or do I like want to just, save and invest and and, ya, so I just put choose the options and then I will just put money monthly and


it will do automatically, no whatever you want to deposit one dollar also can but no difference lah if you deposit one dollar


it won't the okay the more you invest the more you get returns ya ya


not that much if if, I earn much I won't I wouldn't be working, ya fine eh no no no I'll never never no lah not ready yet lah


my my in-law my in-law did it did that she started when err she was thirty five, now she's fifty-four she invested ya err now she's


retired because of her investment money, ya ya half a million, ya ah


twenty years is a lot what but depending on how much you put in money also, err depends uh on how much I want to put in because mine is no fix, oh


I didn't ask her, they tell me how much they get they never tell me how much they put in, no no no they didn't lah because they they they they change car buy new


car change house so I saw lah that's how the money gets ya, change what no no no out of topic next do you invest do you invest in


cryptocurrency cryptocurrency, but that's good what bitcoin is rising what


are you sure or not, because is it's online it's not traceable money that is err black market money ya it's it's online you cannot see it what


exactly ya, err cryptocurrency I, wanted to try but at the current rate now with per bitcoin is expensive ah


ya back then when it started it was err it was cheap lah but now it now it's expensive, ya now is thousand you know ya


err I'm trying this err called Pi PI, no it's an app is like err cryptocurrency it's how bitcoin started


I mean this this this app called Pi ya since last year actually I join err but err the thing is it's like bitcoin lah it's how bitcoin started


ya exactly like the same ways [lah] they are doing it and it's many ya okay


putting one two three, negative experiences


I can uh I can I can answer the second question, err hurtful word was someone that said that I was fat lah, ya lah I what during that time but I it wasn't what I was still fat then uh then I slim down then but then by then we were all


in different secondary schools already what so we didn't meet until like we met each others eh !wah! is totally different lah then I was like in my heart upset ah like you uh how go can you know, like that lah okay uh describe saddest scene you have ever witness let me see


no because I eat a lot


it's just hurtful lah because it's is is it's a it's not it's a hurtful hurtful thing to say what, you try saying to a to a girl eh you're you're fat you see what happen


for a primary school kid I wouldn't think like that lah, not really that lah other than that lah okay skip what ya [orh] you have ah


my grandparents passing away, ya because they stayed with me


that was my saddest scene lah then I like cried like hell, quite long because I was the only one err closest to them ya other than


my cousins they were crying also but we actually I I I couldn't stop crying lah


ya (mmhmm) ya of course lah , I was err seventeen


okay ya lah sad lah this is a sad negative experience what


especially our jobs lah


if now no lah of course not I'm matured enough already what uh, describe a time when you feel that nobody cares about you number five


I had uh I also don't have okay I don't have err what do you often worry about, !wah! a lot I


I worry about my son my familys well err well-beings and financial wise lah


because err, back then wasn't supportive ah then until after marriage then


a lot of a lot ya a lot of a lot of arguments about that lah ya, no now no more that's why I can get I can buy ya but I often worry about


my my my my sons lah my sons well well-being ah ya especially the first one in in school you know then the second one just born


I will still worry ah they are my flesh and blood why would I stop worrying


oh ah of course lah obviously, ya lah, ya you can say so they're still kids what still toddlers and babies


three ya still toddler, ya uh obviously I will teach him I will say the good thing and the bad thing, ya I will explain why no no no I I'm not like you ya


I mean if you were later okay what do you often worry about it's a is a negative experience so please don't be funny about this


nah I'm saying later in the future not now okay what do you often worry about


don't know I think because she she she maybe she she think I good-looking never mind this, this is off topic err never mind later you can talk about this err what is the saddest moment of your life so so that means that is your saddest moment of your life lah knowing that she's married


I know ya but so that will be saddest lah ya lah that will be the saddest moment lah


I think saddest moment and saddest scene would be the same for me ah, ya okay is there one thing you wish you could change but will never be able to


back err back time, as in go where back to the past


err ya I answered already (uh huh) but what makes you stress


which question are you referring to !wah! really ah


bucket list which I want to do if I were to be single lah, because uh when it okay err


be single lah that's not that's much easier to say right, I don't regret having a family


I know know I understand your question err no I don't have ya and uh no, can do also what while getting married why not they can look what at can bring them they can look ya


I do have a easy life but there isn't a question about that so next, err have you gone through, got any loss err why what makes you stressed err what is the most rewarding


oh I think number ten ah I would say err, the new the the new roster schedule for our work


ya ya it's nonsense what, considered lah can it's part of stress also what as in ya lah four days work, !wah! okay what is the most okay lah then ya'll share lah the stress what is the most


traumatic is big incident you've ever experience your life, mine was is is, mine was the bike incident I had two years ago


ya mine motorbike accident also but I didn't stop ah ya, it is traumatic event because because I will


always go through that road and I will always see that particular place where I fell, and got into the accident because it's at PIE so ya


what's the biggest thing holding you back from your goal


goal ah, oh, that's your biggest thing that holding you back, ego is something which is natural for people to say about man what


it is it is natural to for people to say oh man has huge ego ya


man man I'm talking about man, ya but they keep on saying that man has bigger egos than ladies ya


biggest holding me back, ya I don't think so there's holding ya nothing holding me back


there is an african proverb that goes the child who is not embraced by the village will burn it, down to feel the warmth has there been a time in your life where you've, come close to starting a fight


ya okay don't share this, describe a time when things turn out let me think not let me think is


my bike ah harley davidson I want to buys until now I still haven't get it, ya ASAP lah


ya I have already had that way before marriage


why is it shitty but you can work well with others what, [orh] okay but is there a there is a reason why your colleagues didn't up right good reason


positive experiences okay wincy


what's the nicest thing


yes correct ya ya I agree I agree ya okay, nicest thing I think people said that I'm


eh you cannot you cannot answer back what , ya lah ya lah correct lah that's the nicest thing lah as in ya


you you too ah I also the guy also ran into you


how you experience how can you, eh happiest moment you're born you don't know you're still a baby what infant


okay okay okay continue continue


I I I ask her yesterday a few questions so that that could be your part of your happiest moment lah


I have I have three happiest moment err one was getting married, on my marriage day err


my first-born son and my second-born son which was on the first august


that's normal what that's a normal thing ya okay describe , happiest moment what describe what your most memorable uh ah describe one of your most memorable travel okay I have most memorable


err will it be, good thing or bad thing, good ya eh let say okay ya lah forget ah okay okay most memorable would be at err london old trafford because that was part of my checklist to go there so when I was there I was like damn happy uh


and watch a match lah what else you do in a soccer field ya it's a stadium what the uh in a stadium you watch what


cannot even go to the field lah, no no no watching the players and then and the match was ya memorable, ya how about you


from a far distance lah not in


oh greece nice nice place


(mmhmm) ya ya I had that experience too also what actually but I was riding


cameron highland at one AM !wah! didn't have that no lah with with a group of, friends riding to Phuket ya where it's considered one of the travelled experience the cameron highland was a negative one lah because only gear one gear two then it was one AM and we were really tired we were from Phuket ya


ya and it was like no no there's light uh will less light would die already what like you can, like literally see a lorry just, suddenly come ya so ya we like gear one gear two gear one gear two it was uh raining then foggy helmet and ya sleepy tired ya okay


next what is the oddest or most, unique compliment on both all, ya is good


I cannot say correct or wrong what this is not a correct or wrong answer non-debate


err I used to hate because I was a fat kid, I was in the TAF club, so I hated it ah ya but when I I was in secondary school I slim down like a lot


now I'm a father I got this uh uh I uh got an excuse ya no I was like I I was like really damn fat when I was in ya


at least big this is this is a, okay you imagine a primary school kid which is fat but joy ya uh ya like joy's I think ya like joy but smaller lah primary school joy is an adult come on lah


not that big lah not that big but it's considered fat lah if you join TAF club means you're fat what, so I hated TAF club lah it's nonsense, no lah I mean like I'm an I'm an I I'm answering the first part of the question


now now I love because no ah as in I'm safe already what so I pass my IPPT ya I got, silver when I was fat lah that was the only reason lah


but I have friends I've got lots of friends when I even though I was fat, ya ) eh answer lah how about you


you have tuning all the ways towards is it no ah uh ya me too ya correct Taugeh and cucumber


Taufizi what's your what was your best birthday present


no no I mean err it's best birthday present as in didn't you buy yourself anything for your present oh you didn't so you didn't buy any good stuff that you like what


okay can my best birthday present err I bought a BMW bike uh that was my but I bought it myself lah ya


ya lah wait lah, it's gonna be in few weeks time ya sure okay next question what was your biggest blessing blessing in disguise


okay no I mean I'm just reading what is uh my comfort food that you can always relied on to that you can always relied on to cheer you up


then don't answer lah (hmm) what what is what is a comfort food I think comfort food err I would order from grab, I will be say western food


ya I would I would order western food ya, what it's comfort what for me it's comforting


depends ah what kind I never say I never say any type of western there's a lot of varieties, okay okay that's good that's good it's a it's a comfort food ya


the comfort food lah land how can you buy a steak that is not comfort food what, ya lah at home lah you what buy steak at home ah no right steak is expensive come on lah


you don't you you don't answer with nonsense non non-debate non-debate what's your comfort food, maggi mee ah maggi comfort maggi, chocolate lava cake


okay ya you told me before, ya okay okay oh what do you love most about yourself well I do I love about myself


ah err !wah! this is a hard question what do I love about myself, ya, I would be grateful lah I'm grateful for everything ah ya life as in


okay you answer for me first so I know, no lah I want to listen to your answers ah what do you love about yourself


are you sure or not, it you have that B face, okay continue B B B bravo


I think for my part love about myself err I'm the how to say I'm the water to the fire


but you understand can you understand uh moderator, oh cannot sir okay but I think ya people would understand that lah I'm I'm the water to the fire lah so I'm I'm I'm much more calm and I don't even if I'm not at fault but there's an argument I would be the water to the fire


no that wasn't that isn't a pick up line and it's not nice uh it's not a nice pick up line also


okay next who who in your life !wah! hard eh a lot


can be anybody as in a lot also what, no lah I'm I'm still thinking because got a lot what so


okay for me most I will say one will be my mother, the typical question lah and the typical answer lah ya lah but but but it's okay because you say you say most what


why because err my mum like literally tolerate all my nonsense since I was young, of course lah err what about you


okay okay okay I listening I'm listening I'm listening


so that means your father is the water your mother is the fire lah


but fire extinguisher cannot cannot put out some of the stuff lah


oil oil fire he will put out the fire but not the oil lah, okay later we try okay other than other than parents


I'm still thinking wait ah


true true correct if you say like that ya I'll say if you're not say ya, Wong lily is older what why you nonsense


come on lah, love eh life do you look up to most of all you're talking about celebrity you look up to her ah no right


plus celebrity uh I don't think so but I think, Mandela is a uh is a good guy, Mandela ya Mandela ya


because he was he was the one who err made south africa from the white supremacists to, merge the african american together while in prison


we need to know what basic what he was in prison for a very long time you know, and he became president ya and ya #muhammad ali# came there also


financial related topics, I want to know your thoughts lah brother on this financial stuff lah


what you mean wait what is, what what is , what is brother brother brother what is what is net worth


oh so your net worth is just how much you save, not your, so it does not include my expenses ah or my salary basically


ya lah so my expenses is not part of my net worth, right so, so it's just my balance lah so I'm only worth how much I have saved


whatever I spend that's not part of my worth or net worth, ah okay, so what kind of shares shares investment do you do


[orh] like fixed deposit, no wait so you're not allowed to withdraw any amount for the five years


[orh] so this is is it considered, uh low risk, or is it a high risk investment, you incur loss ah


[orh] so you went for the low one, oh so it has been five years, so that means you got a lot of money ah now man


ya lah so for you what what are your returns, I don't know your net worth what Min come on lah brother no one will know lah just you me and the MRC host


oh so you're avoiding the question lah, oh thanks ah man, singapore rhetorical society


oh wait you can touch your CPF money, I thought that is all done by government


err for me I think investments is quite a volatile, market lah, you know you gotta do your homework, cause the shares will all, fluctuate and then the market will also just following the NASDAQ, and since the US


the situation in the US is quite bad, and then not really that , I don't know much about stock so, I don't really do any investments lah but I do the the fixed deposit


for ten ya ten years so so, ya but I'm not allowed to touch the amount until the end of ten years, like the one you said lah ya


the yes, ya that's the only one lah other than that it's just my, insurance ya, I guess ya lah I don't invest lah, Min, the money I have I spend on my family lah brother


I guess so lah, wait then you were saying about the CPF, the SRS thing right, what is what's so good about that, (uh huh) ya ya (uh huh)


oh but you you cannot you, you cannot separately top up the amount, as in you can only take from CPF


then what other investments do you do


ya but do you engage do you engage a financial advisor


oh be a financial planner, uh for which company great eastern, I just want to know lah brother, what else you wanna talk about man oh ha okay wait wait I have


oh forex, there's a there's a forex app that I use before I can't remember the name, but all you need to do is, just, create create an account then you deposit some money and then with the money in account


all you need to do is just, buy and sell stocks, or is it shares no stocks, stocks lah


forex trading ya stocks, they will inform you when it is


you are making a profit or when you are making a loss I can't remember the terminology that they use, but basically [orh], what I did was manual so every time I see it's in the green


I make enough lah I make enough lah, aides, no because to me I find that that is some sort of gambling, cause you don't really know whether it's going up or down you just hope that it's going up then when it goes up then you buy I mean you sell when it goes down then you buy that's


ya lah that's that's gambling ah, you put money in the casino then you want it to hit twenty-one hit twenty-one then you win what don't hit twenty-one you lose what


I think that's that's gambling lah brother, the singapore term is you #tikam tikam# ah, ya okay if the shares does not go up and it keeps going down and you are in the red zone and then you just bleeding money and then end of the day you still gotta sell it cause if not


you'll make a huge loss, to the negative in which case you need to pay them, so, I think is gambling ah friend I mean


investments are different and you invest in a company to watch the company grow when the company grows you earn a profit, that means you are actually ya that's don't, that's donate it that's some sort of your money is helping the company grow


but forex trading is, you are not really helping anything grow what, you buying the stocks have no impact on the on the company's


so you saying you you play with this stock market


ya but you earn big money ah if you are a gambler ah, okay so if you have one million dollars Min, would you put the money in in in stocks


to see if it grows, or would you rather keep the money, or invest in, ya what would you invest it in


then might as well you just invest in gold, I thought the the market for oil is quite bad now


it's not going up it's going down what it's not going down, oh so you bought oil but not gold, uh that's true ah that's actually true lah Min


so do you have any saving plans for your kids, ya what what kind of saving plans


so every month you put money, oh for every hundred they put a hundred


and this is only for, so it doesn't doesn't apply for adults


I didn't understand it so my friend say might as well don't, if you don't understand what you doing don't, ya, so what robo-advisor you did you use, Amin [orh]


so what did the robo-advisor advised you


oh they will do it for you, but you have to deposit a fixed amount, or whatever they tell you to deposit, ya but you can invest the one dollar become ten dollars what


get back ah ya of course that's true, so how much have you earn from this robo-advisor


but five digit have lah Min, five digit have lah right, probably thirty forty thousand lah


wait so how much did she get in return, half a million [ho], so is not too late for us lah if you want to start now


okay then how much did your in-laws put in, no I ask your in-laws your in-laws how much did your in-laws put in every month, oh five hundred thousand you ask how much every month you don't ask


ah lah then they probably lying to you lah Min !walao! this kind of in-laws also have


no wonder lah you also changed, car , you change bike every month what you, so much money to , do you invest in cryptocurrencies ha


I invested in the in the bitcoin, there was that bitcoin miner I did that for like, no bitcoin is the most volatile nonsense currency you can have


on the web, there is no value to to cryptocurrencies what, ya, it's that's that's what makes it volatile lah, something like that lah ya no one has


no one has any control of the value is given value


ya ya now it's a bit, back then was back then was, what ten dollars one dollar, then you then you you sell it for ten thousand


oh the movie life of pi


okay recording, negative experiences, okay this one is quite a solemn subject ah Min so I don't really like to start off


on, let's not let's not follow the questions lah brother let's just think of, okay, so we think of something, that is really , traumatising ah cannot so traumatising lah


that, something you wish to share lah brother, that you wish to forget


[orh] during those times okay


wait the hurtful words don't you think that, when they call you fat it gave you the motivation to change, oh no ah, no as in when they call you fat you


it make you ya ya but, it's also, no what no what I mean is on on hindsight it became motivation lah for you to change


correct ah okay lah fair enough okay, the hurtful words that I wish to forget, no ah as in I find that one to be very impactful lah brother


there was one time , okay lah past relationship lah, the girl said the girl said okay lah let's not, let's not go there lah brother, let's go to question three


describe the saddest scene you ever witness, oh you're close to your grandparents


your maternal or paternal, but I'm not that close to my grandparents, so when my, uh how long did it take for you to recover, really ah closest ah


then the rest of your cousins, but you're part of the, of the, what is it called the burial lah


the burial lah you're, no so how how old were you


so both both your grandparents are no longer here, oh okay lah I still got one grandmother saddest scene I have ever witness


the saddest scene I have ever witness was when, my mom cried, over something, which was


over family issues lah, my mom just, cried in front of all, all her sons, and then because my, because my family, we were not taught


to console each other when we cry, as in we were brought up if someone cries, then just let him cry then he will stop, so we were not brought up to like if he's crying we'll go to him and say eh are you okay or not don't cry lah everything is going to be fine


ya my family is not like that so when my mum cried all the all my brothers, did not know what to do so we just sat down there, and then I think it made my mom, sad ya sadder


even my dad also don't know don't know what to do so he's the kind, if things are good then he's good but if like things are not good he will just be calm, but he don't know how to console so, okay lah ya for that I would say that is the saddest


scene lah where the whole family don't know how to console my crying mom, this is quite a sad conversation ah


I don't like where this is going ah brother, okay lah let's go to another one, the time when you feel that nothing you do is good enough, uh uh that's not so sad lah I mean that happens a lot lah question four, right


whatever you do people just say not good enough you can do better, ya lah that's part of life I think part of growing up, in it, to me that's motivation lah, to me ah to you, if someone say you're not good enough


fair enough so doesn't really affect us lah now lah


when you feel that nobody cares about you describe a time, when you feel that nobody cares about you, was there ever a time, don't have you have ah, ya I don't have leh, ha okay this is a good question for you man


you married man with family right ya so you, then what you always worry ah


so every time that you every time you buy okay you gonna buy the bike right you will discuss with your wife uh before, ya but she got say anything to make you not buy


then you all start to understand lah, compromise lah, [orh] wait about what buying a bike, oh really ah until now your wife, oh now [orh] your kids lah ya lah that's true ah


but when will you stop worrying about your kids, right, they're sons so once they're married you will worry less is that how it works, maybe ah no meh


no what I mean is once they're married you you worry but you worry less ah, but until then ya lah until then, so you are very this one lah doting parents lah, everything you Manja your kids lah


wait the oldest is three years old, three you you got will you scold, if he does something wrong no


or you tell him why he's wrong then correct him uh or you won't judge, you won't shout at him lah like no you stop doing it, I don't have a kids uh Min how you know not like me


eh I'm not being funny lah I'm just smiling because I just find it interesting lah you know that you think that I have a kid, that one is not negative what, okay lah okay okay got worry, for me I often worry about whether I will meet


my significant other, ya because today, I found out she, not supposed to smile lah okay today I found out that Zaqiah is already married


she told her buddy she's married with two kids, !oi! she told you know, you you're giving you're giving me hope leh, Min, I I I gave up on her yesterday


what you mean that was the thing I worry, about me being single okay so the saddest moment, the saddest moment of my life would be the saddest scene I've ever witness lah, that would me ya to me that is my saddest moment of my life


that one thing you wish you could change


ya what you want to change oh no one thing you wish you could change what will you want to change


that's not answering the can okay yup wait your answer is time, okay my answer will be me, not being too sure of myself around people


never be able to change it because, I have made myself believe that that is just how I am, so, if I if I can change it I would like


to change it lah but I don't think I can lah, shit it's not recording, have you gone through any loss in your life, okay I guess we have gone through that lah, ya lah, now is emotion already okay ya lah traumatic also the same ah


oh Min I got one I got one question for you negative experience in your bucket list right, is there a list, is there one item in the list that you wish you can do but now you cannot do it because you have a family


none of it is my own question, ya this is optional what something from your bucket list that you really want to do but because you have a family you have to give up that bucket that


if you can do ah but you cannot do because of family, is is there one


oh really ah there's, there's nothing that you wish you can do, if you had not have a family, if you had not have a family


not necessarily it is something that you deeply regret because you have a family, uh not ya not say you regret having family I'm saying do you have something that you regret not being able to do, ya lah so don't have


like bungee jumping or what, no, what you mean you cannot bring your kids lah for bungee jumping, that's true ah so I guess you got no regrets in life lah man


of course lah there isn't a question you're not supposed to answer that questions lah Rasmin


what makes you stress okay, but uh after the thirteen, uh ya the four days, four days two days four days one day


you're stress about that lah, but I'm not so stress leh


what's the most traumatic incident you have ever experienced in your life, oh okay mine will be the okay you start first go, I was also about to say bike incident


until I stopped riding ah, ya but that's not traumatic what, how was it traumatic yah how was it traumatic


and it's not as traumatic lah, my traumatic incident was the one where I head on collision with a car, on my bike, then that car just stuck, then my bike just stuck at the car then I flew over the, flew over the car


and I did a flip and then I fell, and ever since that day I just don't want to ride bikes lah, so that was how traumatic, that incident was what's the biggest thing holding you back from your goal what's the biggest thing holding you back from your goal


you have any answer for that Min, no answer for that I'm going to go with my ego uh brother, ya my ego, my big my ego is the biggest thing holding you back from


my goal, not necessarily if your, if your ego is


ya I know lah everyone has egos but not everyone has a big ego ah some people are just humble lah men men can also be humble what


that's when you are having an argument with a girl that one doesn't count, of course the girl is gonna say eh you got big ego ah, why you cannot listen to me ah, so you don't have ah there's nothing holding you back ah Min


looks like there isn't leh you are enjoying your life, ya lah that's true ah [orh] you know what it means


it means you will do something crazy to get attention, you never done that before really oh I have uh but


I don't want I don't want to share it here ah, it's a bit it's a bit too personal lah, describe a time when things turn out not meeting expectations okay Min that's number fourteen


not meeting your expectations, let's make it a long one lah brother, what you mean oh so you expected to have it what, this way, eh brother you need to have patience lah this kind of thing


this correct uh time okay the time was today ah, this morning when I woke up I saw this message from my friend, he said he talk to the to our supervisor alright that he would pair us all up this the three of us ah


work together uh so when I woke up I saw the message I was like eh, this is like a big moment in my life leh today I get to work with my two of my best, colleagues at work, happening ah so when I came to work you know I was so happy, so I went out took a break with some of the people there


so I message my friend I said eh bro where are you ah, he didn't reply lah, so I got worried then the next message came from the supervisor then the message was oh the other guy on MC, I was like !alamak! one guy on MC and then another guy


don't reply my SMS, then I know, that the day was gonna be quite a shitty day lah, cause my friend, cause my friend Paitao, I know lah I can but I was looking forward to working with my best colleagues


fair enough lah there was a good reason lah, but you know give me like false M


err not not not high expectation lah just like hope and then the hope was just extinguished but that's life lah ha


what the, positive experiences, let's start with the first question lah bro what is the nicest thing someone has ever told you


I, I will say the nicest thing someone has ever told me is that, I am a I am a calm person, I'll say that's the nicest thing lah because I have what you call a a resting B face lah un


just scare people away lah eh thanks lah Amin, thanks ah brother, you just shut the hell up lah, I would say that's the nicest thing lah sound nice to me lah what about you Min


how you know I cannot answer back this is a non-debate brother, I can say what I want, ya I I don't I don't I don't that guy was probably lying to you ah wait guy or girl


happiest moment in my life , the best answer one should give is when I was born lah, you know since err !huh! what you mean ya


they they never say what was the happiest moment that you remember in your life, right alright oh, okay lah the happiest moment was today at work right I saw Zaqiah


I saw I saw Zaqiah looking at me lah when I was working like up and down all the way for a good , nobody knows who is who what so at work ya so I guess she was checking me out so one of the


one of the other guys told me ah eh Mizi you know uh just now uh Zaqiah was checking you out leh, ya that was one of the happiest moments of my life ah


what about you Min what's your happiest moment


shaving thing that's not one of the, oh so you you were not happy ah that they were shaving your son's head


describe uh your most memorable ah okay Min you have any okay go, these are positive experience lah brother you can read or not


before you die then what what did you do there, no as in you go to the field you run in the field or you kick a ball in the field


ya then that's a lousy bucket list ah Min, david did you get to meet them in person


from afar not counted lah then you waste your money lah correct or not, most memorable travel experience was when I went to greece


so in greece this place called Santorini, right there was this ya you been there before meh, err then you just shut up and listen lah, so I went so I went to Santorini


alright so we rented a car and we drove up this mountain so this mountain trek the width was, just nice the width of the car so every time you drive


ya and in the morning it was very misty and hazy so we just had to as we were driving we had to constantly horn


just so people know that we are coming, ya that to me uh ya uh, but it's scary ah is, oh riding also is I tried riding also but over there is very cold


that's a positive or negative, all the landslides all lah got landslides


ya that's that's scary uh, luckily you're still alive ah Min ah, what is the oddest don't have lah let's not answer that question lah I also don't understand


what are you thankful for I think we know what you are thankful for lah right your wife and your kids correct or not, typical husband father answer lah, I'm thankful for typical bachelor answer lah for my family


right what else can we say for that question, ya non debate lah but we can still argue what


what did you used to hate as a kid but now love as an adult


but you but you but you still fat what now, no difference ah [orh], so I guess you got the dad bod lah, oh where, like like eddie like that


ya lah as in that kind of that kind of round that kind of round figure ah


wait you hate TAF club so now you love TAF club as an adult, then what you talking about


ya the the the whole question is but now love as an adult so you're saying you love the TAF club, oh so you hate, so you hated yourself as a kid


and, so now you love yourself as an adult that's, that's a beautiful answer lah Min, I wouldn't have thought I I wouldn't have thought of that leh I were hated myself as a kid but now I love myself as an adult


the only thing I can say is I hate vegetables lah as a kid, but now I starting to eat all the broccoli the celery the tomato the cucumber, last time as a kid uh all the veggie not all lah I don't like Taugeh ah


Taugeh shouldn't even exist uh, it it, they should eh cucumber you , no wonder lah you fat, what was your best birthday present


oh my family don't believe in err giving presents, ya so all my life we don't celebrate birthday so there's no such thing as a birthday present, that's that's just sad lah so I don't lah


some more it's it's it's Shirik, to celebrate birthday


outside of my of my birthday yes I'll buy for myself ah but not a birthday present lah, what about you Min !huh!


but where is the oh is the one that you sold the one you told you told me you sold that time ah, but now you gonna get a better birthday present right your harley


why you go to blessings what is a comfort food, oh okay ya what is your [orh] okay okay biggest blessing, what is your biggest blessing


okay I'm sorry ah I don't I don't understand question eight, so we go on to nine, ya lah okay lah we go to nine lah, ah comfort food comfort you can always rely on to cheer you up to cheer me up, ya lah what food what food


oh western food, Min how did uh is you fat lah like this, you supposed to, what is a


okay so if you are sad I just buy you western then you okay already, okay chicken, okay so chicken chop chicken cutlet that one no ah, or you more of a steak steak ah


so any western you're okay with it, comfort food is any food that makes you comfortable lah brother means if western food, Min


you you bought a BM and you're gonna buy a harley you cannot buy steak, come on lah Min, comfort food my comfort food I will say will be no chocolate lava cake


Fuh brother you put your fork into the cake and then everything just melt in the plate, oh then you just scoop the thing with your fork put inside your mouth


the one from dominos dominos Nya Sedap, just in front of my house, that one I like that will be the best comfort food, what do you love most about yourself


okay Min, what you love most about yourself, why you love everything uh !huh! you're chauvinist ah


the question is not grateful is what you love most about yourself grateful the thankful for we answer already, what do you by I answer for you you answer for yourself lah Min


what I love most about myself is the fact that I can get to anybody's level to have a conversation with them, so if I target if I'm if I'm talking to an intellectual I can probably, put up airs and then you know be intellectual with the person and talking to like uh Apa B face


what's a B face what's a, what's a [orh] you you lah B Manja, ya that's about it lah so if someone is someone is not as intellectual then I guess I can dump myself down to their level lah


on a more relatable, level to the person I'm talking to, I guess that's what I love most about myself uh


that one is a malay proverb right, moderator cannot answer lah what you talking about


[orh] so that was your pick up line to your now wife, I can be your water to your fire, such such a nice


who in your life do you look up to most, who ah means one uh


okay lah fair enough so you've a lot lah okay then you start lor, oh you're still thinking, who you in your life do you look up to most, most know Min most ah lah


ya lah typical answer lah more interesting answer lah min


the person I look up to most, in my life I would say is my dad cause my dad, is someone who has the, patience of a you ya shut up and listen lah Min, can you listen or not I'm trying I'm trying to pour my heart out here right you are just


I got no mood lah to talk about my positive experience in life, okay okay so it's my dad why because he's very, patient my mom is very , she is beyond fire so when she gets angry she will you know how malay mothers are lah they will bring your


siblings in they bring your cousins in they bring the broom in, they call you, they call you all the utensils in the kitchen, ya err, my father is the fire extinguisher brother


water cannot water cannot put out, water cannot put out oil fire you know, so you water not good enough you know brother, ya oil spill in flames on top of water you know now water do nothing eh min


but fire no, the fire will keep burning as long as there's oil, so your [orh] okay okay, okay other than parents ah, okay how about a famous person Min


person in my life I look up to a famous person, maybe uh I will go for #wong li lin# you know


ya so I look up to her ah, cause back then triple nine, she was the hottest actress in channel five uh on channel five, fiona Xie aunties ah me


oh wait oh fiona Xie I thought you meant the other one what's zoe zoe zoe Tay uh


so I guess we we don't look up to any celebrity ya is that what you're saying


oh nelson Mandela, okay ya so what did he do, you anyhow come out name you tell me what he did


guess you know your , you know your politicians uh brother, history uh history, ya I know lah and he did all that behind bars, maybe maybe muhammad ali oh muhammad oh ya oh ya that's true uh min uh


yes, prompt


okay, so we go for the point number one, yeah, do you have a savings account yeah, if so share your experience and details, of your accounts if not why do you choose not to put your money in the bank


ya I do have savings account uh DBS OCBC and I've my experience is that with the bank the interest is very low and sometimes the customer's service is pretty bad as well


and they do not offer much perks, for their customer as well yeah that's my view


okay for myself ah same I do not have a debit card, uh it's no use to me so basically a credit card for local and overseas use, and personally I have Amex platinum cards and DBS uh HSBC cash back card and then Citibank miles card


and among these I prefer Amex customer service and this uh, they have very interesting perks for their customers, and their rewards is no expiry dates, and as for HSBC I enjoy their cash rebates


(hmm) customer service wise not as good as Amex, and Citibank's I would find that their customer service the support is pretty good as well , but overall Amex is still the best, yeah so we go to point number three


some may argue sorry, okay some may argue that banks' interest, rates are unattractive whereas others may feel that their money is safe and accessible in banks, in light of these would you save your money in a bank or invest it elsewhere


yin you go first, hello okay I go first I


I think yeah okay I go first , err I think money deposit in the bank is mainly for daily usage payment transactions yeah grocery shopping so all these things but


I will not use banks as a long term investment, if for long term investment I think, the interest is pretty low so it's not wise to put bank as a long term interest I mean investment for investment I rather go for


insurance bonds or stocks yeah, yeah


okay so we go to point number four, what okay


okay, for me personally I do not have any loans with banks at all till now, not at all, so we go to point number five, do you think couple should combine their finances and open a joint account, if you have a joint account with your partner share your experience and details name of accounts and features of your joint account okay personally I do not have a joint account with a partner at the moment uh yes I have a joint account with my mum


okay if you ask me do I think couple should combine their finances, and have a joint account I think yes they should, especially for married couples uh mainly for payment of the bills the household bills and groceries everything they can draw from the the joint account


yeah that's my view


okay


yeah same here I do not have a child so based on the experience with my nieces I think at the age of thirteen onwards it will be good because they start meeting friends having lunch together and it's good to that they have they can manage their own finances from their monthly allowance ya


that's all, okay err the next one will be number seven cash back points or miles which type of credit cards do you think people should be using


okay I have, all these three types of cards I have cash back rewards points and miles cards previously , I love miles cards because I travel a lot so I accumulate my miles and then I just use it for my tickets all these things but due to COVID


things have changed, I prefer cash back now so it works better for me so I stop using my miles card and I switched to cash back as for rewards points I don't think there's much use of it because sometimes the rewards the the banks offer is not that attractive or doesn't meet your needs


so I find that err, for me personally I think that cash back and miles still it's the best but due to COVID I think miles now is a bit redundant because we can't travel at all so cash back still the best yeah


cash directly prefer cash directly yeah


but, yeah but in a sense that you are saying that you buy from, great eastern great eastern and OCBC are like parents and companies, yeah don't you want to get it directly from OCBC the Great Eastern product


from OCBC yeah, reason being support


okay okay okay, yeah same here I I don't buy products bank insurance products from banks because I need someone to follow up my, and and for insurance I think you need someone to follow up closely because banks they they might


you you today the this person serving you next day this person might not be here all this thing so I prefer to have the person that is reliable and I'm comfortable with, and normally insurance products I find it's a bit long term so, uh comfort wise I prefer to get from my insurance agent yeah


not directly from the bank, okay come to uh point number nine do you have a high yield bank account or fixed deposit if so share your experience and details name and features of the products, and of yeah name and features of the products


okay err I do not know the high yield over here is how high is the yield so for me ya I previously to have ICBC fixed deposit because they offer about two percent


for a year so to at that time I find it's pretty high so I enjoy that, and long time ago I have OCBC monthly savings account which they pay, about two two point five percent I think that that that was many many years ago so I have to commit a monthly step monthly pay I mean savings for like minimum five hundred or so


and for a year so I enjoy that err and currently I'm have DBS multiplier account, I think the interests they have been restructure a couple of times so currently I do not know what is the interest rate but uh compared to other banks interest I think it's the highest it's it's pretty high yeah


yeah


but normally for fixed D err how long is the duration that is comfortable for you, the maximum, okay, okay


and your better interest rate what are you looking at, not likely happening during this this period of time, , okay let's move on to the last questions what is your experience of purchasing investment products example unit trust EFT from banks


if you have such experience share the details example name and features of the products of the insurance product that you have bought from bank bank yeah yeah bank


okay for myself no nothing from the banks as I mentions earlier on I don't buy investment products from the bank , and moreover I do not know what is unit trust ETF all these things so, very straightforward just some insurance policies investment policies that is proposed by my agents and that's all


and so basically totally no experience in this area okay


okay done, part three negative experience


okay well, yeah


goose bump ah watch yeah


what show is that ah, haunting of the hill house, haunting on the hill's house yeah, ya Netflix that one's really goose bump it's really creepy I watch that I have goose bump, when the scenario gets a bit intense yeah the story get a bit intense and then the atmosphere these things yeah


because you are anticipating something and then you you really feel that, okay, and read I don't read at all so I don't read novels or this so I don't have reading experience for getting goosebumps


yeah listening good music yes at times yeah, (mmhmm)


describe a time describe a time when you feel that you have committed something gravely wrong and there is no way that you can get back up back up yeah, committed something gravely wrong ah


(hmm), yeah


okay for me no I cannot think of anything at the moment nothing gravely wrong and


uh yeah at this moment not at all , okay describe an event that made you very angry, yeah


yeah basically when you are maybe when you meet angry when you meet with very , unreasonable my my nature of work is customer service at times so it make you very angry is when you deal with very unreasonable customers


so no matter what you explain no matter what you say and they are not listening and they are not accepting , and actually sometimes it's their fault not ours but they will turn it around and push it over to us and it really makes you really very pissed off


but customer is always right so there's nothing much we can do we can just only be angry internally without showing it out yeah


okay for me uh what disgust me the most that I can think of is


I really can't take the sight of two guys, kissing in public I I can't take that I find it disgusting I saw that a lot in London and I find it's very very disgusting I don't judge LGBT but in a sense that not not in the public I would say that


but do you tell them off


but if you tell them off is there any backfire, (mmhmm)


okay, let's move on to the next one what is an issue that you feel upset over because you feel the world needs to do more about it, the world


yeah same here I think mainly it's the COVID situations because I don't really see the cooperations between countries but pointing fingers at each other


when things happen yeah that's really upset , okay, yeah job security definitely


yeah


it's very bad, yeah and I think that it worries me in the cause I'll think of it is travelling you you need to wear a mask to travel long haul I think it's no joke


throughout the journey yeah so I think that that is quite, yeah it's a chore


exactly it usually you used to be a very happy, yeah the experience is nice and then people look forward to a holiday but now when I think of going for a long haul


like going to europe all this I think of wearing the mask going through this I think it's really a pain eh, yeah


yeah, describe a time when you hurt someone's feeling, yeah I did that by, saying something insensitive to a colleague uh but I catch myself immediately and I apologise then I buy her Makan


yeah need to be more careful, yeah


(mmhmm) what frustrates you


(mmhmm)


yeah same, okay what's the worst thing you witness and keep quiet about


no, no I don't witness any worst thing then I keep quiet because I'm very outspoken if I see anything worst thing I'll I'm the first one to report feedback so it's not me so yeah


let's move on to the other questions recall a scenes from a movie that make you too angry to watch, [orh] getting emotional, that you are too anguish


(mmhmm), angry eh angry to watch eh


for me it's mainly those Hong-Kong drama I watched I find too angry is that you stab me I stab you I try to kill you all this sometimes it get too angry I just skip and and watch the last episode and see uh everything uh


the ending of every the whole show yeah I just skip the whole show, okay uh describe a time when you were unable to help someone in need you were unable


(hmm), cannot think of anything at the moment someone in need, yeah I would say that yeah I have friends borrowed money from me, I were unable to do so because my I do not have the I I'm don't feel comfortable borrowing monies to friends that's that's my


yeah I I


yeah same for stranger asking for money I will not help yeah but if they ask for meals all this I will rather buy a meal for the stranger but not in terms of


cash yeah okay what is your greatest fear


for myself it's that (hmm) my greatest fear is loss of your loved ones because I experience that, with my mom and it's very very painful to go through it so come to think of it yeah I I'm very very fearful of losing the loved ones that I have yeah


okay do you, sorry sorry ah I'm going to the next question, yeah do you have phobias, and how do you overcome them


yeah I've phobias with lizard and, yeah I don't know it's fear of lizard or phobia I don't know because I've very bad experience with lizards when I was young so when I see lizard I will just scream and run and how I overcome them there's no way just to avoid them either


Siam or I just kill them if I see them I just don't want to have anything to do with lizard yeah, phobias


that okay, giving up you go first on


(hmm) yeah same here, yeah when I'm exhausted and with work every everything come all together at the same times yeah I think a good massage helps yeah


so not really as giving up maybe just the energy bar is getting low and just go for a recharge, okay this which one are we now uh what are the injustice of the world that made you angry


made you angry eh, but you were born after the world war leh, COVID doesn't make you angry ah


COVID is someone that spread the virus all over the world causing everyone have to suffer together


ah yeah, so what is your most embarrassing moment


okay, time's up


done


yeah sure, uh positive experience


okay describe a time when I was helped by someone okay in my time of need okay good uh, once long time ago I have a very bad food poisonings vomiting, and diarrhoea running uh down a fever all these things !wah!


I was totally lembik eh then I call out my best friend she was at work very pretty much very very busy and she without hesitation she just took a urgent leave and then rush down to my place fetch me to A and E


and, yeah spent the whole afternoon there with me because I was on drip yeah I think I appreciate that a lot


extra duty as in what, [orh] okay, okay


, try to cover up for you, very nice


so, , so you spend how many hours there, non-stop eating


okay for me is japanese Omakase at forum, and it was a lunch yeah, and it was a business lunch and, I told the chef to surprise me indeed he did surprise me and that was the first time I have a sea urchin and I find that fantastic and it was awesome yeah


yeah I don't pay for the bill so I won't know , Omakase, yeah I think it's cost, uh, hundred over dollars for just a five-course lunch yeah


and after that you are not full you might you might must like you'll you'll crave for McDonald's fries all this because it's very very fine dining so fine that it's just very very small portions


okay what is the best surprise or gift you've ever given someone


yeah yeah, , it's not like it's not working it's too noisy yeah it's too noisy and yeah it hurts because the the heat is too high and it hurts and it's too noisy so yeah that is pretty a surprise


and for myself yeah you should know what I give you a surprise that Epson projector that you long wanted for


okay so let's go to the next question describe a time when you can't wait to attend a special event or concert definitely for me it's the madonna rebel concert, I waited for her, !huh! I cannot remember