correct, so but if you look closely right you also have the guaranteed and non guaranteed, so in that sense right you're also putting your money with Prudential and Prudential are, helping, okay how okay let's say ah you think you are okay you think the point of


Prudential's shoes lah people give you money let's say people give you ten K but you assure people hundred K, how how they get this ninety K remaining leh, ah investment lah so although you, uh so although you buy life insurance right but the money you give them right they go buy they go invest they let it grow


yah so so going back to your point right how is this covered right so, uh my point is whatever you give to buy like this all these insurance company right they're putting in investment, they have this pool of money then they go invest themselves


that's how they make their money grow, then, one out of ten cases maybe will claim, ah ah correct ya so


going back to the point life uh insurance in bank right is not okay we do sell health and we do sell life but the thing is we focus more on endowment, endowment is should slowly and, objective is help people to save the only only a bit of


coverage is the death benefit, so okay another good thing about err, endowment is than putting in bank account ah other than like the three percent interest right uh, you also covers let's say anything to happen ah let's say customer a lah he puts hundred K into the bank


okay uh, customer uh pass away in three years' time, the interest rate he grow is, the bank's rate right which is like let's say now it's not doing anything zero point zero five percent, so it's very low but, let's say customer uh buy this, and normal plan with hundred K


and he were to pass away three years later, he'll get hundred and five K cause he'll get this five percent, returns due to this death benefit yah yah normal plan yah, so so one good thing about endowment is you force yourself to save the interest is higher and also cover a bit of death benefit but uh yah


okay this one I will tell customers as comfortable as you think you can save per month


nah no no honestly I'm your friend right honestly I'm your friend right I will tell you, okay the more you put in the more I earn lah, but but, I have to think for customer's shoe what, I ask you put two K a month, it's eat shit right


ah then how then how to how to answer your question of course okay as low as as low as two hundred a month


[orh] your cause I thought you ask me telling you but the thing is, I, okay so I will normally when the customer come in I will tell them how much you save, then they tell me they save this amount then I ask you where do they put they tell me they put in bank account so I just tell them, don't put in bank account lah put in this endowment plan lor


so so answering your question you if you say you were to do this endowment plan right I will tell you honestly as a friend do a comfortable amount, cause, there is lock in period, you, you will have to commit to let's say to five to ten years, are you comfortable are you comfortable, putting this amount right now let's say okay let's say I tell you do one thousand you may find it difficult for the first few years but as you grow older your income higher mah


so that's why I say you must do a comfortable amount so maybe you can if you were want you can put like three four hundred, interest rate in five years time maybe like Supsupsui


I feel if you were to want to put in endowment plan ah first you must build your don't build your wealth build your health first, you know there's this pyramid I don't whether you see before, you must build your base first, base is, there are three important things in life, term, and all these critical illness all these shit lah


okay after you got these right you got spare one then you go buy endowment, oh you covered already lah so your base is covered lah


ah that's good not many people actually, cover at this age lah


ya lah but you must ya some like <P2>feline</P2> <P2>feline</P2> don't have at all eh, like my girlfriend don't have at all eh


one minute and thirty second lah


let's ask one more last question lah, okay what age your child be given an ATM card to manage their own bank account okay so let's say you have a child right what age you'll give your child, the ATM card your


your parents give you one or you


I I go Geikiang cause last time primary school you got see our friends got like got this card ah then you will see why you get pocket money I go apply myself bro, then I, oh I go to POSB then I tell them I want bank account then


no [lah] after that I go work [mah] I go work then slowly put inside


part three negative experiences, err never I'm in a meeting don't disturb me lah


err by right it's nine o'clock lah half an hour half an hour


my negative experience ah okay, okay okay I think my negative experiences, is going to casino and, and losing a lot of money in there it was quite a toxic place like legit I feel it's it's it's it's it's a place that


once you never go once you've discipline to stay, but, at the same time it's very fun I feel is, I like the risk and excitement but but it feels, it feels very shitty after losing a huge amount, K one negative experience I feel that


err, people look down on you I don't like it when people look down on you, like, you like people right, tsk no lah


I okay maybe sometimes you do things right people will Kansuay you one, like, like say bad things say, I like I I wants to


prove to people and and show to people a mirror of myself lah cause, that's I feel like young that time I don't know leh just, that's my always have these negative thought, but I think overall I'm not always negative lah I'm quite a happy person


so I, what makes you stress hor I think stress, I think I quite okay lah with stress stress is when I have to do this twenty minute talking like, for my brain twist the brain juice out of, myself to talk about


why ah why I have to be so negative, but actually I very positive one, eh I thought three minutes already leh bro


no I think what he's saying is, this person feel left out he have to go he have to go all the way out, like maybe here to to, to make people uh something like that like for example


like this guy he needs to act who's, who's the tall who's the one eight nine CM in our classmate ah, the the guy that you don't like, no no no no no the malay filipino indian guy the


no the, what's the name the say he's a basketballer, no you know one our classmate one the one follow a lot of girls instagram one


okay no wait I must say out the name then you will know who what he's doing, it's the, cook okay who open restaurant ah, okay <P2>delvin</P2>'s good friend, last time, you know this guy smoke


no <P2>delvin</P2>'s ah you see he have to like, go all out ah to make us to make people to to make the class to, feel that he's there but in fact actually we are don't care him we don't like him that's what they meant lah


what what what what is it happened ah you mind sharing


forget already I don't know


I I don't take that as a that was leh, as in like I don't need to have, no why one day you do something you apologise like what the heck this guy this guy emo nemo leh


but as long as they can you can share with me more about it


don't think I will someone that will, [orh] what what I don't like I don't like when someone has no drive or no, tsk like I hate it, yup bro drive bro


drive B drive BMW, eh finally okay better better life for us, wait sorry sorry the blinds as in no okay I I feel like someone when they don't have, a goal ah or like or like they want a free they want


I I hate it okay like so for example like you go eat let's say at roadside ah, then, those people you've got no hand or leg ask you for money, I don't I don't think I don't I hate it the most lah it's like, they have hand they have legs they can do many things, don't I


no it's not it's not about the age okay like talk about those let's say come out from those jail lah like got kids to feed lah, I mean I feel like


I don't like it when people, K don't that's not the point lah I feel people should, work for themselves not ask, people to eh I'm useless help me you know, that's something I've learnt lah since young


I don't know leh what about you ah you share first


you chase your ex back, you will regret chasing your ex back but but okay


so you oh you should have let her go earlier instead of asking her to


no it's like ya really don't waste time, why just go straight to the point ya


I I I guess my one same similar like never do well for PSLE never do well for o level, I regretted not okay I know already my regretted my worst biggest regret is, not going to JC ya bro JC so fun bro JC


actually my mother my mother JC mah, JC, compared to the poly life the quality lah, the, the quantity of the vegetables, uh


like the the canteen the the canteen food he eat the canteen food he eat and I eat, different bro I mean that's one point ya


ya I regretted not going, I know but but the thing is


no eh remember just now my first points I'm like like got drive one got motivation one different lah it's like I compare poly girls ah they Chincai Chincai Ailemaisua no no no goals


[orh] ya I want to say !wah! it's my K K I want to share with you K previously I have one dog lah


now I've I've one dog before ah, during army that was during army, my first dog was during army, my, this dog it's like me and my sister during national day we got nothing to do so my cousin came over so we just say we go the dog farmhouse so I drove them to changi I think changi


so we go into this farmhouse then my sister fall in love with this dog so we just brought this dog home without our parents knowing so so suddenly we bring the dog home my parents they all my whole family scared of dogs one last time then then we don't know what to do but after that we build our relationship


I, I like my not over the period right we don't know how to care lah then this dog, finally have illness and all this we spent a lot of money, then that was during army I couldn't I couldn't take care of the dog also partly is because I, was I'm not a dog lover lah


but I have this feeling for this dog, then, suddenly my sister say she cannot take it already she have to give this dog away, then all agree, I as I am not someone in position as her because I never take care of this dog I have to, let it go lah then


on the day then on the day like okay let's say on the let's say, twentieth lah on this special moment then decide to give away uh the night before that I I I purposely spend time with this dog because I don't want to feel uh sad about it then err I bring this I bring this dog okay the dog call milky lah I bring milky for a walk I bring milky


I hug milky to sleep all these then the day he go right, !wah! my when the day the dog left my house ah my heart sank sia, like I come back home ah I come back home, usually the dog will come I come home the dog will like at the door looking at you like want to pounce on you then when I come back home ah


feel something very empty I feel something like, !wah! no no it's it's not as what I it's ya something that I , something that I think I should put in effort before something I should like go and take care go and play a bit !wah! then


!wah! I cried in camp bro, I cry I cry I I ah, ya bro I cry in camp I I stay in highest floor so I go to staircase and go cry, I and then I I I fucking emo bro I go look at my, I go look at my the pictures


I purposely go take a lot of pictures with him selfie, then I think for a while shih tzu shih tzu, not very small lah err it's like a lot of fur uh ya something like #koh#'s marcus #koh#'s


dog you see his photo if you got ya then, !wah! that's the most feline feline, feline don't know ya ya then I


ya ya ya a lot of people don't know lah but that was the that was, that was something I feel !wah! that was my toughest moment ah, ya I remember, that time I was still riding bike, so I took my bike I go for a spin


it was was, I this one actually when I was sad I will, go and, go for a spin lor then I I remember that time I was riding but then, imagine this this this what's that ah, atmosphere but right now quite cold right the weather


ah then I listen my earpiece, go go for a spin lah I think it's damn, damn shiok lah it it makes me clear off my mind lor


bro now my dog bite you lah bite your, bird bird ah bro, my dog is a mini light you know


standard what everyone needs money what tell me what


I got car accident I thought I told you before, I screamed like ah sorry sorry sorry, ya ya ya I got I got I got I got accident I got bike accident last time ride bike then I got car accident car accident I spin, my car spin three sixty like


ah ya ya this part this is how I this is how I flip, that's right that's ya ya ya eh but that was quite fun leh I feel like I van diesel leh I spin spin


spin like fast five bro you know fast and furious five right I remember


okay I've one friend ah <P2>yi dun</P2> K so it's one of my good friend lah that time then, err, that time I just started learning bike only after poly year three then I remember, I went to the go hang out with my friends lah like a few of us got bike together so <P2>yi dun</P2> is the one that don't have bike lah so <P2>yi dun</P2> first time sitting on bike also so <P2>yi dun</P2> <P2>yi dun</P2> ask how to sit on a bike I tell him you can sit on your ya stupid question right so I ask him you sit on a bike I open your leg big big open your hand like that


so, then he really go do leh so when I start off my bike ah, he like that leh, bro we both fell bro then, okay uh cause, when you move off ah then the centre of gravity is not align together with the bike cause he like that mah it affects the whole bike


bro, bro we both skip then the bike land on top of us so I I <P2>yi dun</P2> then on top of us, then bro injury bro, we we like go Baika like six month ah


no we were like hanging down hanging out at the H_D_B like block then riding bike [lah], then we were just Lepaking there chilling, then the other day from far can see us [lah] we were sitting at the staircase there


part two, positive experiences, part my heart connected to heart already, but I think I think my heart connected to rachel's one


my biggest positive present ah I think, !wah! I can't think of anything leh (hmm), maybe my parents plan for me, like when I was younger my parents plan for me to you know laser quest


you know they ah ya ya ya so my parents book a when I was damn young lah primary school, then they they book they booked this err how to say err, the the place for me for like a few hours, why you keep laughing


ya so I went to invited my friends and like we have fun and I think was a that's my last memory eh


okay when I was younger I I had many parties like they planned for me everything, but as I grow older eighteen twenty twenty one I started myself lah eighteen I don't celebrate, eighteen what did I do I went to the club lah but that's not celebration lah that's like, like your friends bring you go then, eighteen


my eighteenth birthday was on a club lah, then, twenty one I went to celebrate myself, uh now as I grow older I don't


no but as in like from young to now you don't receive any birthday oh okay not say best lah, what is the no birthday gift you, it's not demand lah like do they expect this gift but then like !wah! someone actually buy for you this gift


but she preempt you ah


because the thing is guys actually, I think I quite, I'm quite lucky in a lot of ways that, mostly like you know you know like for secondary school uh must, I almost drop to NA I from express what I didn't tell you lah ya I from express then I I almost drop eh doesn't matter I I almost drop to NA


basically I okay I I think throughout my life I was quite lucky lah like for example PSLE I din do very well then I managed to go a school, I feel that I'm lucky cause a lot of things right I I couldn't get in but eventually I get in


ya so so, joining like, like usually joining a bank I didn't expect I join also lah but I lucky I got this job lor, oh ya


forget to tell you just now hor about the financial related topic ah cole today text me ah about, uh okay okay later we talk about it, K so


Gannina you ask me eat maggie mee I also okay one, oh sorry sorry sorry forget forget forget, I really for me food is just, eat into your stomach then Pangsai Nia


I think it's my Jiao Liao, Jiao, I think it's my !aiya! don't say place lah I think it's my Jiaowei lah, like I'm I'm, I I quite uh I feel like I quite like I don't I don't mind to be a fool in front of people lah, that's not playful leh


I did what just now just now I did what, as in, as in as in I don't mind, !aiya! you you


I don't mind ya as in like that's that's something I, I, I feel lah I'm this is my strength lah, uh like so I was, what about you


eh brother the question ask what do you love most about yourself not what you love most about your friend


[orh] like treating your friends is oh a point [orh] okay


don't think so meh I don't think I don't think people take advantage of you, I don't know about your outside friend but then I don't think, I don't think in, like the friends I have with you, use that leh but


as in you felt that you are you felt that people take advantage of your


why lah, as in rich so you


okay why it's cause, I feel the, it's like ya it's like double but I but I think about it it's actually my dad lah because, err no no no like I see that okay because firstly ah firstly


he okay the good side actually why is my dad is cause he started from poor what he wasn't come from a rich family mah, but he can brought up our my family into like that so I think he's quite he's quite a successful in some sense lah but secondly is since young


err he always thinks that I not capable enough so, I wants to prove to him that, I'm not that stupid lah so so so, I look up to him and I want to prove to him that, I also can make a name for myself lah


cause, like my dad like I go see his friend that time right I meet his friend his friend will say, eric <mandarin>是:shi</mandarin> blah blah blah I want people to say, [orh] <P2>marcus</P2> ah <P2>marcus</P2> <P2>marcus</P2> <mandarin>是:shi</mandarin> you know I want to make a name for myself lah ya so okay


he think you masters bro finish one master take his second master already, now he, did I tell you he change job he now, Facebook leh some data analyst also up and coming ah ya I know eh


like coding what like <P2>rachel</P2> <P2>rachel</P2> also now doing like that what, no I'm saying I I'm saying, like now is coding is the up and coming I'm ya it's like <P2>rachel</P2>


no it's like the moderated it, , , , who ah


who want in, can lah I also think ya but we need to have time lor


K I will have a school trip, school trip uni uni school trip with, my classmates at Glasgow, we had a we had a drinking session in a in a in a in a hostel


so, he push me into the room, and get some people to pin me down, force, don't know how many bottles of alcohol into my mouth, then I after that went to casino with them


instead of going casino to gamble I go there I go casino to vomit, !wah! the next day I have, a bad headache man


but Glasgow was quite fun, Glasgow was quite fun lah Glasgow everyday we just after school five pound grab five pound remember five pound, five pound six days


sadly I'm not your level lah


uh so, I I one one mistake I made in uni is joining a wrong group of friends too quickly, ya


give and take lah ya they put, no your group better your group also but I


I think if I were to join your group I think we met ah, my grades would be lousier, cause I will go casino with you every day, ya so it's like ya, I I realized my my grades dropped ah ya


I think you told me before ya ya you say you want to use government money to go right, [orh] twenty first birthday


what do you hate as a kid but, love as a adult now har my my answer okay I say first ah, freedom freedom lah, bro


kid last time got curfew got, got, timing cannot go out here cannot go there cannot go a lot of places watch movies NC sixteen M eighteen R twenty one, now now you can go so many place, and you know priority what you hate as a kid lah like I remember last time when I used to go theme park then then theme park


err, they have like height limit all these, err, now as you grow older you grow taller then, then, last time you go Genting you cannot go casino now you go genting you go casino


I think yes she said she said, so what do you hate as a kid but now love as a adult


so now you can kiss people lah, now you can K people lah


now you'll wake people ah you'll wake people, uh, so now you can


go [orh] you can like spend on whatever things you like lah, you eat dinner already a not


Kannina you eat yourself eh what you eat ah what did you eat nice a not


you got you got comfort food or not, so how did, if you sad how you comfort like what


how about do you have any comfort thing to comfort yourself like do you have, comfort uh, how do you comfort yourself in okay let's say let's say one day you realised that you what's the one thing we'll do to, to okay okay but how how about let's say you have one day feeling stressed at work okay is it so you like the building lah you think you can do very well don't lie do you think you can do better than me terrible okay


!wah! like one whole day Liao leh, I feel good right to sit in my toilet bowl ah


ah ya ya no like you eat already ah let's say you come back from work ah then you eat already then you want to shower, you take your cigarette then !wah! then you go shit and, I think I, as as word I already tell you I very Qingcai one I can eat any food do what ah maybe if I'm sad or what I will try to go for a run lah


but no, really really really I will try to not say run lah or I'll try to go somewhere alone myself maybe I drive, walk lah or drive out ya, but sometimes I will run lah


ya oh part one financial related topic


okay, so who go first, err yes how about you, err mine is under OCBC OCBC, ya


ya three sixty the one where the one where you every graduate will, err every graduate who go job, or go for their first job will apply for that what, not meh, which one you apply which one you apply, jump start jump start jump start is Standard Chartered lah


[orh] ya lah different mah you work at the bank there of course you apply the bank lah, oh you told me before right what's the interest rate, [orh] first twenty K is it [orh] !aiya! never mind lah no


eh ah can you keep it can you ya can you keep it professional ah can you keep it professional, okay okay okay okay okay so, eh uh if not why do you choose not to put your money in the bank okay if not why would if you don't put your money in the bank then where would you put your money


okay which stock do you put your money in


oh okay ya so uh, the the question also mentioned uh do you like do you have a fixed deposit, in the bank, uh no lah just follow lor what they in this just talk lor


[orh] I can't remember leh I I don't really I don't really go and see what interest rate they I don't, have, eh no


ya ya but but I think their their interest rate is not the same I think the other time I show you I did the calculation and show you right, I showed you that the calculation that I the interest I got from OCBC is, higher than a few other banks, don't you think so


err ya lah you must spend you must spend five hundred dollars lor, legit one ah legit one ah legit one ah


okay means what okay means what, ya lah ya they cannot have one bank's having more than the other I think it's just that the the the requirement to hit lah I think, if I'm not wrong


two percent of what first twenty ah, [orh], I didn't I didn't !aiya! I din go and think about it cause, I saw OCBC was quite good then I did a calculation like like how much I'm going to spend within a month then I just okay lor just try OCBC lor


it's okay mah, I thought of putting fixed deposit lah the the other time you know I met my FYP lecturer then uh she was telling me like uh cause she's different lah she different financial status so


she put her money into fixed deposit then, tell her, you put money in fixed deposit then you will have like two three years you cannot take out your money, she's okay with it then okay lor as in it's not volatile mah your money don't go up your money don't go down, it's just fixed mah, so but she told me if let's say you have really really like uh


uh amount of cash you, don't spend then just put into fixed d lah because fixed d gives you a very good interest rate mah but I don't know what do you think, what do you think nonsense right nonsense right, ya lah


very little because now the banks not doing very well they dipped the interest rate what, they !wah! what what the F ya lah no lah different


ya lah no different, no, no lah not eat shit lah as in it's different because because now got COVID mah different mah you cannot you you must put it in the long run like maybe uh chuck for five years you compare now COVID of course it's not


of course it's not uh, it's not fair mah it's biased mah, ya so I don't think you should say eat shit lah, must err, be more be more uh


factual with your discussion, shouldn't be give like false, err tidbit, or false uh information to me, okay next, okay do you have a credit or debit card, Ang you go first for what it's okay


[orh] [orh] , [orh] oh , (ppc) well it's okay , okay I ask you if you have credit or debit card you tell me it's okay okay never mind can you answer my question now ya, ya okay you cannot multitask I know ya okay


, unlimited cashback [orh] stand chartered Standard Chartered, eh you know you know right the other time I applied this uh uh Standard Chartered unlimited cashback then I receive this three hundred and, nine dollars worth AirPod Pro


then ya I receive already took damn long actually took damn long then I thought I thought, I thought I won't win you know so I okay lah I I won then after that I uh I went because I I don't want to use the AirPod mah I already got AirPod so I went to sell on carousell !walao! bloody cannot sell one leh like everyone knows that everyone knows that


the Standard Chartered everyone knows that Standard Chartered is giving out, free AirPod I don't get to sell the AirPods at all then got this guy low ball me like two sixty I think !aiya! just take it as birthday gift lor, #bo liao#, ya then then I might as get cash right I might as well just get the Citibank cash right


I !aiya! shit I didn't know, I I didn't know I didn't, I think very long ago lah very very long


no lah you know wait next year lor wait next year lor, now, [orh] okay okay as in ya I not use I'm not using it


I I think I would I think I'll go cancel lah as in but I don't use also because I think now I'm using, you only using you only using unlimited meh you not using anything else, yup it's bro I told you already apply miles go and apply miles I


no no they have the they have the cash they have the cash PayNow what, they have the cash PayNow, different now different mah as in I got the cash I think two fifty or three hundred dollars PayNow from Citibank leh


rebel okay lor, okay lor you don't want set up now up to you lah then it's the same thing what from now till december the amount you spend right you use your unlimited cashback then at the end of the year then you just sign up then you lose out the the the miles what


same ah ya lah true lah true true true true oh is it, can can you can drink from six thirty to ten thirty


ah I mean to ten thirty , okay sorry err, eh I don't leh, I don't I don't buy any insurance from bank leh


maybe you can you maybe you can share me more actually take this time share with me more like you what insurance do you know for the bank or what insurance you think I should buy, sure yes sir yes my banker, okay okay


sure share with me ten minutes let's go, okay


ya they go and invest right they take the money go and invest right


ya but I'll okay the question is, eh, then how how is this related to, to to, how is savings plan related to insurance as in insurance they cover you in terms of it's not in terms of health lah if they cover in terms of wealth lah, it's two different portions right uh okay fine okay


life life life life ah whatever lah


ya ya ya that's the that's how insurance they earn mah you buy because, you, you think that you might need in future but maybe you will not need mah you will not need in future mah


endowment plan right so okay uh, so eh wait wait wait let's say wait let's say let's say if I were to invest in endowment plan right then how much I got to put in one month


let's say if you you you let's say you prospect me for example then how much you approach I got to, put in one month, eh I'm not your customer right, okay okay okay okay okay ya ya ya okay


Jialat eat shit lah, [orh] okay


uh no maybe no maybe you maybe you like look at the customer's uh income then after that you from there you gauge mah like [orh] like how many percentage you ask the customer to you advise customers to invest so that's my point ya


, err true lah true, no lah because I was thinking eh I never invest in any I never put money money into an into insurance or endowment plan also lah I I just put all my money you also know lah I also put all into


ya no but the thing no the thing is cause health is already it's already it's already taken care of mah, that's why I as in ya lah I cover already mah, ya I covered already so, no lah because sometimes your parents will buy for you your insurance what then you just need to you just need to take over the life insurance mah


as in like hospital plan or like life insurance they eventually will they will buy it for you mah, they l I mean maybe some lah some lah ya some some some some, (hmm), different lah different different different because they ya different you cannot bring different different is


ya you , she's not brought up that way ah ah okay whatever next, uh okay I think we got to sum up our discussion so actually I think thank you for sharing with me, ya thank you for sharing with me because I eh !aiya! I didn't get a chance to ask you also lah we don't have always only just play the damn computer game then then never get the chance to ask you also so at least today I get to know a bit lah but of course I will ask you


again more lah about the endowment plan, then uh, ya, the loans all these I think not our, uh sure what do you want to ask me, uh


eh I got I gotten mine at uh, thirteen I think thirteen, parents give me lah as in no as in for my own as in they save money for me from the bursaries et cetera then after that they just uh give me a a card lah small last time damn cute one lah the card it's like not even card I think I think it's a bank book and then I carry my bank book around I think then until something some turning fifteen then I get a card


ya okay faster what's yours thirty seconds, I didn't know I didn't know I didn't know you got apply


, but it but inside but then inside you are funny as in your parents put in money for you already lah, [orh] okay, err I think uh time's almost up thank you for sharing ya okay


, part three negative bloody discussion


okay Ang Ang back okay so, negative experiences in your life, share with me come, share with me your negative I don't want talk for three minutes already tired, you talk you talk ah


okay okay


you continue continue continue, okay why, why people look down on you cause you lose money at casino


[orh] [orh] okay


[orh] okay okay okay okay okay, no lah it's very subjective mah stress, okay okay my turn my turn okay, so eh, err, there's this this question very funny very cute


it says there is an african proverb that goes the child who is not embraced by the village will burn will burn it down to feel the warmth Ang can you just share with me right has there been a time where your life where you have come so close you have come the closest to set to start the fire


do you even understand the proverb like, the child who is not embraced by the village will burn it down to feel the warmth, ah come elaborate, nonsense question right okay next


to burn to burn to burn the to burn the tree to feel warm, [orh], do something to be inside the to be in, err


uh Caifan is it Cai Caixin Caixin, okay wait let's not talk about race okay uh, I don't know okay bobo bobo whatever his name, I don't know I don't know which guy


okay never mind next okay next next next as in just there's this question just very funny so the question that says like


[orh] [orh] [orh] okay okay okay I know, I know okay okay ya why


!oi! I tell you I know I what to talk about already for maybe one minute what was what is some hurtful words did someone said to you when you wish, to forget I would say , I'm sorry that I got angry at you the other time, I'm <EX2>fucking</EX2> sorry ya the other time


uh maybe not in detail lah okay so uh, I just want to apologise lah as in I think looking back right looking back I think uh I was I I was very bad friend lah because I think because , err, uh it was a build up of certain things lah like I I think I waited for quite some time then after that the weather was very hot


then err, you guys took your time to do to dilly dally then, err, I was really there like waiting for you guys for like one hour plus already then you know the incident you know right, don't act like you don't know ya cause you want because you want rachel to hear


to listen to the to the story, I'm not gonna say it, but you know what you know what I'm so I you know what I apologetic about, you know I okay that makes me sad I think, think this is a this is a this is a very good negative debate or no the negative composition ya so


err I think I hope I hope right that would not make, us err, we not good friends lah or best friends, or or bros whatever that's oh is it


ya I I suddenly thought about I suddenly thought about it then like I like, !aiya! it's just, [orh] that that thing, no lah thinking back mah me meh like, such a good friend then like you know got angry for nothing


like angry for the wrong reasons, maybe for the stupidest reasons lah, and oh is it maybe after this lor eh, I don't think I don't think you are a kind of person that


that, feel that nobody cares for you lah I also don't think that uh, (hmm) , I don't think ya I don't think we are the the very negative kind of person or negative people in the society but never mind lah just talk about negative stuff lor


like what makes you so what makes you what makes you angry what makes you sad what makes you been so like negative or criticise or critical about others maybe you just share lor you just share like , like what like what you don't like about someone like what you don't


what you hate about someone, so do you have a drive do you have a drive do you have a drive okay what drive you what drive you have, okay lame not funny whatever


funny ha ha ha this this not time for you to ha ha ha okay funny let's go


true lah true lah sometimes ya lah true lah, true but but must see their age also mah must be must be sympathetic mah, [orh], eh very sensitive hor this kind of topic you might you might never know if if another person is what what


okay no wait let me let me rephrase the question we shouldn't, we should not talk about others we talk about, what eh, what was the biggest regret you had you have in your life like err, like, in terms of like investment or or relationship


or friendship or studies, maybe then that would be like related relatable lah to the topic, (hmm) I think uh very sad lah last time last time got this girlfriend then


!aiya! it's damn lame !aiya! just for okay for the sake of this uh whatever ten minutes lah I just share so, I think, err the biggest regret was to chase her back, ya I that was what what sec five sec four


that kind ya , ya like no regret asking her to stay when she has already left, as in left err and have heart for someone else, no lah it's just young mah so, like you


you really really like this girl a lot so, err, one day she tell you [orh], you know, she don't like you anymore then, err you, you confused lah you are thinking like what the <EX2>fuck</EX2> what have I done so,


after that she as in she left telling me telling me that she had a lot of feelings et cetera but after like after awhile I knew that, err she's like talking to this army guy lah, this army dude, so, ya I should have just like not begged her to stay


ya, so rare for a guy right Ang something you don't know right, ya, but that's love lah err that's when we are young lah, now I think if the girl want to leave I think just ask her <EX2>fuck off</EX2> ah, don't waste time lah correct, ya don't waste time ya don't waste my time


ya so ya, ya don't waste my damn time okay so uh in life ah, I think err, was not doing well for my O levels, I think the biggest regret was not doing well for o levels because in secondary school err never really study hard lor so ya lor never really do well for Os


but okay lah I I mean we are here finish uni whatever


I don't I don't think so eh, really meh, uh why uh, the quality of what of what,


[orh] okay okay okay oh so the quality of the quality of vegetables lah okay okay, [orh] so you mean you mean the girls lah the girls is it, the quality of girls different [orh], [orh] sorry sorry different context as in I thought you were trying to say like uh JC girls are better than uh poly girls


[orh] okay okay so judgmental, okay, but back but different leh but different I think poly girls are better, than JC girls ya, they they hold your hand to go party one for JC you hold their hand to go party


you get what I mean, [orh] but in terms of quality lah ya lah ya lah you know you trying to say like those that go to clubs are not


okay okay then my next question to you is like what is some, like err err how should I put it err, or maybe what is your sadness like, time in your life like, something that really really really like makes you


ya makes you very very sad, uh eh oh, oh is it oh I didn't know okay, I thought, [orh] army okay okay okay okay


you lost something lah you lost you lost ya you lost err uh ya


oh you cry in camp ah what the <EX2>fuck</EX2> really ah


what dog was that what dog was that what what what breed, shih tzu all the japanese the small small one ah the the no lah not very small one lah very handsome one right the dog, very handsome one right [orh] okay okay oh I din know interesting


[orh] ya I didn't know also what the hell I didn't know I didn't know you cried over a dog, I don't see you as that kind of person lah that's why I don't see you as that kind of person


that's it ya !wah! I din know okay something sad, something sad about you that I can disturb you next time, ya okay okay whatever okay,


okay what what what what do you often uh worried the most don't tell me money, okay, ya okay don't say money ya actually it's actually it's irrelevant lah if you ask a girl a question maybe the girl will say like weight err like pimple maybe you ask guy like ya oh it's about money uh ya boring okay


err what else make you sad ah !wah! very difficult actually hor, you know to make to to, to (hmm) like err, okay [orh] I know I want to ask you you have you got into like any accident before


or incident !wah! okay, for solid solid bird bird ah you, I know lah I know lah it's just for the sake of conversation right


no wonder you tell you tell me you are very lucky to be here lah !walao! eh, !walao! eh no wonder lah if not we won't have this conversation already maybe I maybe I talking to another marcus already, maybe another don't you fun ah what the


okay okay tell me tell me what's the incident you regretted the most, like like out of these three incidents, why what happen


okay stupid question, stupid question , okay, he he fell ah he fell off ah


why leh as in how why would you fall, oh ya ya ya ya ya ya, oh ya ya ya !wah! shag


!wah! then you all no injury meh, [orh] okay okay sorry cannot laugh oh it's


oh before before you all before you all you all like left for like, like, your destination lah you all fell already lah


okay can thank you thank you [ah] for your for your sharing


eh you know ang they say you must have heart to heart chat leh, you must your heart must be on my heart ah, ya okay Onz


, so eh okay what's your biggest birthday present


uh Batok one ah Gombak one ah Gombak one ah, ah


okay continue, continue, eh your parents eh your parents , really very like like let's say like make it like your birthday right like a very big thing to you like !wah! eh <P2>marcus</P2> is like


like, twenty one then they'll throw a party for you that kind of thing are they that kind of person I don't know eh I never get to ask you also


same same ya because my parents I think they're very traditional so eh they think that birthday is just another another day like example same for mother day father day, err, it's just another day so very different lah like for us like you know like anniversary like uh uh birthday be twenty twenty twenty one years old we like to go to the club we like to throw chalet you know like hotel staycation et cetera


but uh I think, I don't have really best birthday present leh I think maybe best birthday present is like to myself lah like you know, we now so old already then like [orh] okay lor birthday then just buy something for yourself so


I don't think so eh like, like I don't demand err I can't, I can't remember what gift my parents give me or anyone, or maybe like material like materials wallet lor like


but I I knew I knew I knew already I knew already before I knew, should ask mah should ask mah should ask mah ya so, I think I think your biggest uh uh blessing in disguise is joining your bank right


do you think so, it is right I talk to you about jobs later I want to debate with you about jobs okay never mind we talk about this first, is it is it lucky in what way uh uh


err ya doesn't matter actually, ya doesn't matter [orh] ya uh, eh we we don't eh don't talk about don't talk about age we should talk about something else lah like like something more fun like why are you lucky


ya lor ya lor I also think so because, because all of us uh got into similar like like what we study in in uni lah but, you you what you say what did you say, [orh] ya he we saw him mah that day uh clarke quay on friday


we saw him with his girlfriend, ya okay sure err, I think uh what you like to eat ah I think you are a very Qingcai person leh I always go eat with you you always ask me to choose !walao! like girl like that,


eh be professional Ang you don't be professional be professional, be professional ya okay, okay okay okay fine food !aiya! food you'll always okay, so uh what do you


love most about, let's say yourself, don't say face don't say face cannot say face ya, [orh] okay lah oh is it


try try be a fool in front of like us lah, try Ang try try try be a fool, [orh] ya ya ya you made us laugh lah actually it's good one good one good one good one ya ya ya, I understand understand ya maybe, I know I know I know I know ya like uh


ah ya lah those those fun times lah, okay sorry, eh I think


, very, err, I think I treat my friends well lah I think I I don't I don't know if you think so, like a very I don't have bad intention, ya I think so


ya lah ya ya eh about myself right about myself right as in I I, I'm like, ya as in, ya as in being nice lah being nice being nice as in don't have ill intentions of people like be kind be caring ya lor I think so I think that's that's my character lah so


ya lor so people hit on the soft spot of that lah, ya, oh is it I don't know I don't know sometimes right, ya


ya lah I hope I hope not lah as in at least you know mah you know what kind of person I am so that's what I love of myself lor, no no no no no I'm saying I'm saying I'm saying I hope people don't take don't don't don't take advantage of that


okay whatever boring let's go next, uh who in your life you look up to the most, tsk boring leh me ah err my uncle I think my uncle standard ya my uncle why


he's damn bloody rich lah damn <EX2>fuck</EX2> why he's damn rich, he's that as in okay okay err ya, rich as in terms of he is also in the same trade as us engineering, and uh he also like us started off like with a few friends err


uni grad then uh start a business, then after that manage to sell off business and uh make money from that so it's something that I look up to lah and something that I want to, to to be lah, as in then he invested in property that's why I told you right he invested in property already then he got the capital mah to invest in property then


that's where he started, becoming richer and richer lor so something that I look up to lah, what about you , I


cannot be eh, look up to ah your dad ah, your dad right ya ya your dad, no eh actually you told me that the other time was it was a double edged sword leh as in you it's double edged sword leh


, he brought you to fun places right


okay, okay, that's good that's good eh your sister still doing uh masters in programming now ah, !huh!, !wah! good that's why the power of girl ah don't need to don't need to hold responsibility of like finance like don't need that money


then she but she then, !wah! not bad what what she doing in Facebook, eh eh you know right you know we're talking about data analyst right I wanted to tell you like we should go take up courses of data analytics I think


is where is what, uh it's in the market they are upcoming upcoming thing so actually we should go and take because I think I saw this, hello it's about me and you it's not about your friend rachel


ya don't tell me about rachel, or like rachel lah [orh] your friend rachel is it, , [orh] [orh] okay okay [orh] [orh]


K I thought you talking about the friend rachel then okay okay jokes aside as in I really want to go and take cause it's like programming right but I saw this uh lady right uh, she was , model model and actress, then she went to take this, this one year course with NUS


because we don't know then we can ask rachel mah so at least at least we got contact ya, ya, okay Onz okay so eh, wait ah let me see what is the one, okay I know describe one of your most memorable travel experience


travel experiences I hope I hope it's , can you be more professional or not okay I even I even say vulgarities okay okay what tell me tell me share with us share with rachel


why what happen what is your most memorable travel experiences come, share what share what happened in Glasgow, okay okay, , okay okay


okay okay, ya ya, ya I think I think I think ya I think uh if you asked me right I think one of the most travel memorable one will be will be us in Glasgow lah really something that money cannot buy something that I never regretted


ya so (hmm) five pound steak five pound steak, no lah also no lah also it's it's just the staying, together kind of thing that uh that uh we enjoy lah we really enjoy lah and also cooking together mah so and also


ya ya not level lah but, err, at least we get to drink together go casino together so I think something that I look back I would do it again I'll definitely do it again I'll definitely ask you guys to go Glasgow again or maybe not Glasgow lah maybe some other countries, to to


to hang out together those days ah, so , ah ya ya that's right that's right you join the wrong group of friends so, maybe give like, err ya lah but


I think give and take trade off lah they are good in they are good in, studies mah then for my group my my group also good in studies but, not as good as err, err Ang, oh ya ya ya ya ya got the suicidal guy


oh is it oh ya that, I ya I think you will Jio me go casino if you every every every two days, ya eh talking ya talking about it right, wait talking about it right jeremy jeremy wants to go you know he he ask me


ya he he, ya the six hundred dollars government money ya he say he wanna use, we but I think I think in august lah in august we go, yup, ya or maybe not her birthday lah we see how lah see how, haven't plan yet


ya but go okay so , what is the something positive ah what what what's positive okay let me think maybe, eh what do I hate as a kid ah err


okay you answer lah I don't know what I hate, [orh] [orh] okay so, [orh] okay so that's your priority lah different mah


ah, [orh], [orh], [orh] so now you you got you often take rides is it do you often go Genting and take rides


never right, oh ya ya ya can can when wait till they open the borders lah, okay I think uh eh do we need to talk to five minutes as in as in twenty minutes we do right I just not ya okay okay okay okay okay


okay eh uh, !wah! to be I don't I don't really hate, anything as a kid eh maybe [orh] hate getting caned lor, that's all lor ya I don't think, (hmm) no


no no no no no no no I don't cane anyone no I don't win any one, no no no no no as in it's just it's just, I don't really hate anything as a kid lah, it's just I [orh] I know uh what I hate as a kid I don't have enough money, no as in no as in now I have money but it's just that I have more money to spend on myself


ya ah ya correct correct correct correct, as in we can you see you see we can invest in stuff also we can invest together we can talk about it we can talk about investing so at least you have the capital mah so if you don't have capital then you don't talk about investing already mah


eh you did eh okay !huh!, I had home-cooked food lor had home-cooked, food, as in always standard one what not nice lah


no lah okay lah nice not bad it's not bad as in my my helper cook mah, not my not my dad ya, comfort food , actually no eh I I think comfort company lah instead company instead of food lah, I think


comfort food I think no lah I think let's say like after a day of after a day, out at work probably like go eat japanese food, japanese food ya japanese food is, is good ya I love japanese food


uh I think talk it out to someone lah, I think, I think I'll talk it out to someone, ya I think I will talk it out to someone, as in talking out to someone feels so much better than bottling up inside lah, so I think talking


maybe grab drink or go for a pint of beer chit chat with friends, buy a pint of beer like with chips fries, ya I'm good, I think quite beer is the is the is the, is the is the solution mah, to like sit down with friends then after that


very chill you know have a good drink then go home lor ya, uh ya to it, err no not really ya I don't think I can drink very well ya, uh no said you are better


than me, cause nowadays I'm not very good ya nowadays I'm not very good, because that night that night when we went out right I I only drink one pint only, then after that I damn tired I damn, tired I just stayed on the chair then I just I go I go and sleep already they were talking talking talking talking I just down there sleep already


then ya, no that's good lah okay so what is your comfort or rather what is your comfort food oh okay let's say after, , after one whole long day of work, where do you want to go where what will you do or where you wanna go don't tell me come back and play computer games though bloody idiot


ya ya ya ya I I know I think I asked a few friends my few friends also tell me, is it as in you eat and you sleep then you smoke then you shit or you smoke you'll feel better right as in then you drink and you smoke also better right


okay we that maybe that that excites they lah let's say let's say uh, food or what would you do or


really meh you don't Jiaowei lah go for a run, walk lah go walk lah go jog drive around lah, drive around lah okay


thank you so much bro you are my indeed bro


part, one financial related topic, eh you never say !walao! okay so, do you have savings account


so did you do your savings account, what savings what account you have, OCBC BC three-sixty ah, !huh!


why leh why is it there leh no leh I never apply there, jump start jump start stan chart lah ha, no bro jump start interest rate higher


last time it was two lah now it drop to one, ya bro, sorry sorry sorry you you got too much money, don't scold ah don't scold ah,


no she said talk it as like friend, correct stocks [orh] put in


can put in unit trust can put in stocks, I think, right now right know I think the market can buy into this kind ah, ya [orh] oh eh


do we need to follow that okay wait ah, eh wait, your OCBC three-sixty what's your interest rate ah, bro I realise that time remmeber you ask me I realise it actually all bank have the similar, features lah OCBC three-sixty is


O OCBC OCBG sixty, eh stan chart is called bonus saver, uh UOB is called UOB one DBS is DBS multiplier


but the thing is you must put incremental balance right, ya lah actually I compare already I after after this as in like after the, that time when I asked you I just started, ya ya legit legit uh uh


DBS multiplier was the easiest to fulfill lah but then the, , the how to say the interest rate now they cap they cap at ten K, it was twenty K then now they drop to ten K I think is like, very low lah then uh


UOB one the effective interest rate, is also okay lah eh uh for, okay all their interest rate ah is about three percent ah three point eight three like that, but I


put jump start cause jump start bro two percent bro last time damn sick eh, first twenty K ah ya and and so if


so you do you put fixed deposit or not, ah


where got no bro, okay for me I feel fixed deposit is is a ridiculous place to put your money lah, bro now the fixed deposit the interest rate you know how much or not, kay kay I share with you ah the, they


deposit ah less than one percent eh the best you can find is less than one percent, then you put in, fixed deposit how to win the inflation, the highest you go ah, the highest you go ah the highest fixed deposit interest rate one !wah! less than two eh


so let's say one point nine ah one point nine also eat shit bro


oh sorry sorry I was reading a chat, do do you do you have a okay I , I sorry sorry I was reading a chat ah okay uh ah ya I have a credit card


, do you have a credit card yes I've unlimited cash back, uh cashback ah stan chartered lah uh uh you receive already ah then


ya it's not cause okay, cannot ah !wah! shag eh bro uh


I thought I tell you before every year got like a promotion thing you don't anyhow apply, eh I I I I thought I told you before, ya last year last year when I just started then I told you, about this bro you cause


all this promotion is always new to card members, so, if you apply now ah !wah! bro I think you cancel it you know you wait next year lor then you apply new one, but you must cancel bro, you apply ah you not using stan chart then you just cancel ah not, using it then you are consider then you are consider like cause new to


card only exists for one year period, so let's say today you cancel ah next year this this date lah, you apply again then you are considered new to card, ya


I I feel like apply miles leh, but, no but I want to wait for the new promotion cause I don't want to like you like that you know like apply then after that, got I uh I, think right at the end of the year right always the most one


I thought I tell before already bro, okay you go see end of year lor you don't, don't jelly jelly ah you


I mean ya lah you can say like that lah but but I don't I don't spend much mah, now now also don't spend much, we don't go drinking how to drink how to drink


okay okay I think we need focus on the topic, okay, what is your experience of purchasing insurance product also do you have any buy any insurance product from the bank, so let's say the bank oh okay okay you okay


okay usually let me share with you every bank right they partner, eh no no just a I just a small fly okay, okay every bank right they are they partner with a insurance company ah so


uh what they offer right is savings plan, so it's like endowment plan, so if you buy like insurance from like a insurance company let's say you buy uh AXA AXA AIA from or prudential from MRT station right, you are buying directly from them


so they, they do offer uh, insurance product like endowment health product life all these but the thing is why, uh it's been ten minute to off heard okay so, so if uh okay where's the oh ya so if you buy from bank right why we buy from bank is cause bank tied up with these all these savings plan


so, okay savings plan is also a good way rather than put in fixed deposit cause, savings plan right they have the guarantee portion and not guaranteed so average out ah is about three per cent, the returns, so you put fixed deposit with a shift of five years or ten years ah


you are losing out, compared to you are putting in the, endowment plan endowment plan right okay what's endowment plan endowment plan right is you put your money in let's say you lock your money in for let's say five years right then they will let it roll, then uh ya they use your money to invest that's why they give you three to four percent ya so


there's a guaranteed and non guaranteed portion ah so they see the financial market so right now, the market is not very good so they go to the lower tier one, so, is two point seven five okay average out is three per cent ah anyway so uh, right now I'm doing is I'm doing this kind ah asking people to buy the savings plan


uh another good thing why do people buy savings plan is force yourself to save lah, like if you are someone who who knows like, you got money let's say you earn like ten K example, then, you you know like you are like someone like oh I got this amount of money


I, think I will have a lot of money in the future then you will just anyhow spend you go drink you go buy food go out eat restaurant but if got savings plan ah got the insurance plan endowment plan ah you will force yourself to lock yourself immediate three K, so everytime you got ten K ah you put three K into this savings plan, so ten years later right you get one lump sum


so people get savings plan is also uh a way of planning thing life lah like say retirement plan or let's say for our age is called maybe uh we are we are planning for retirement but as we grow older we are planning for education cause we need to fund our kids education so


our one, I will say is good if you cannot know how to save your money, then you put yourself into here like, okay it's safer in the sense like let's say you buy stocks, stocks also is investment invest but then the thing is stocks they very high risk, first


you must know the market very well, but savings plan we, you just put money them they will help you invest cause they have a team of investors and team of, ya ya what you saying, okay


okay uh insurance right let's say talk about a company let's say we talk about prudential okay, you buy you buy health products ah, example okay buy life covers your covers your life right, so


they had the uh sum assured meaning anything you were to happen you receive this amount right, correct so but if you look closely right they also have the guaranteed amount guaranteed, so in that sense right you are also putting your money with prudential and prudential are helping


okay, how okay let's say ah you you think you are okay you think in the point of prudential shoe, lah people give you money let's say people give you ten K but you assured people hundred K, how how to get this ninety K remaining eh, ah investment lah so although ah so although you buy life insurance right but the money you give them right they go buy they go invest they let it grow


ah so so going back to your point right how is this covered right so uh my point is whatever you give to buy the this all this, insurance company right there are putting in investment, they have this pool of money then they go invest themselves


that's how they make their money grow, then, one out of ten cases


going back to the point life uh insurance in bank right is not okay we do sell health and do sell life but the thing is we focus more on endowment endowment is should uh slowly and, uh objective is help people to save the only only a bit of


coverage is the death benefit so, okay another good thing about uh endowment is when putting in bank account ah other than like the three percent interest right uh, it will also covers let's say anything to happen lah let's say customer A lah he puts hundred K into the bank


okay, uh customer A pass away in three years time, the interest rate he grow is, the bank's rate what which is like let's say now is not doing anything zero point zero five percent so it's very low but, let's say customer A buy this endowment plan with hundred K and he were to pass away three years later


he will get a hundred and five K cause, he will get this five percent returns due to this death benefit ya ya just endowment plan ya, so so one good thing about endowment is you force yourself to save the interest is higher and also covered a bit of death benefit but oh ya


uh oh ah, uh okay this one I will tell customer as comfortable as you think you can save per month


no honestly I'm your friend right honestly I'm your friend right I will tell you, okay the more you put in the more I earn ah, but, but I have to think for customer shoe what, I ask you put two K a month, is eat shit right


ah then how then how to uh how to answer your question of course okay as low as as low as two hundred a month, ah correct correct


or your because I thought you ask me telling you but the thing is, I, okay so I will normally the customer come in I will tell them how much you all save, then they tell me they save this amount then I say where do they put it they tell me they put bank account so I just tell them don't put in bank account ah put in this endowment plan lor


so so answering your question you if you say you were to do this endowment plan ah I will tell you honestly you as a friend do a comfortable amount cause there is lock-in period, , you will have to commit to let's say to five to ten years, are you comfortable are you comfortable putting this amount right now let's say okay let's say I tell you do one thousand you might find it difficult for the first few years but as you grow older your income higher mah


so that's why I say you must do a comfortable amount so maybe you can if you were want you can put like three four hundred, if it's three four hundred in five years time maybe like #sap sap sui#, it's like a peanut right okay I


I feel if you would want to put in endowment plan ah first you must build your uh don't build your wealth well build your health first, you know there's the this pyramind I don't know whether you see before you must build your base first, base is, the three important thing is life, term and all this critical illness all this shit lah


okay after you got this right you got you got spare one then you go buy endowment, oh you covered already lah so your base is covered lah


ah that's good not many people actually, cover at this age ah, uh


ya lah but you must ya some like <P2>ferlyn</P2> <P2>ferlyn</P2> don't have at all eh, like my girlfriend don't have at all eh, uh left


one minute and thirty second ah, okay let's


let's ask one more last question ah, okay what age should a child be given an ATM card to manage their own bank account okay so let's say you have a child what age you give your child, the ATM card


your your parents give you one or you, (uh huh)


eh I go Geh Kiang cause last time primary school where I been you got see your friends got like those card ah then you see why you get pocket money I go apply myself bro, then I , oh I go to POSB then I tell them I want bank account


no lah after that I go work mah I go work then I slowly put inside


is you meh, my negative experience ah okay, okay okay I think my negative experiences is going to casino and and losing a lot of money there it was a quite a like legit I feel is is is is is a place that


one should never go one should have discipline, to stay but, at the same time it's a very fun I feel is, , I like the risk and excitement, but but it feels it, feels very shitty after losing a huge amount, kay uh negative experience I feel that


uh, people look down on you I don't like it when people look down on, you like , you like people #kan sue# you what, no lah like


I okay maybe sometimes you do things right people will #kan sue# you one, right, like say bad things say, <P2>john</P2> say say only <P2>john</P2> I I like I I wants to prove


to people and show people a of myself lah cause, just feel like young that time I don't know eh just, that's my always you have this negative thought, but I think overall I'm not always negative lah I'm quite a happy person so like what makes you stress or I think I stress


I think I quite okay lah with stress, stress is when I have to do this twenty minute talking like for my brain squeeze the brain juice out of myself to talk why ah why ah today so negative but actually I'm very positive [one


eh I talk three minute already bro, miss no I think what he's saying is


this person feel left out he have to go, he have to go all the way out, ya maybe he have to to make people uh, uh something like right for example, like this guy he needs to uh act who's


who's the tall who's the one eight nine CM in our classmate ah, the guy that we gonna, no no no no no the malay filipino indian guy the, no the what's the name the he say he's basketballer


okay no wait I must say out that name then you will know who what he's doing , is the, okay restaurant ah, okay <P2>delvin's</P2> good friend, last time you know this guy smoke no <P2>delvin's</P2> ah you see he have to like go all out ah to make us to make people to make the class to feel that he's there but in fact actually we are we don't care we don't like him that's what they meant ah


what what what what what was it happen ah you mind sharing, why ah forget already I don't know I don't know !huh!


I I don't take that as a that was passed my mind eh, as in like I don't take it to heart no but one thing you, so suddenly you apologise I like what the heck this guy this guy, this guy emo nemo eh


, but as long as you can share with me more about it


I don't think you also that kind lah, I don't ya I think we are quite I


don't think I will someone that will, or what what don't like I don't like when someone has no drive or no, like I hate it ya bro drive bro drive B drive BMW


if I knew okay better better laugh bro, as in no okay I I feel like someone, when they don't have uh goal lah or like or like they want the they want they


I hate it okay like so for example you go eat lah, let's say at roadside ah then, those people you've got hand or leg ask you for money, I don't, I don't think I don't I hate it the most lah it's like, they have hand they have leg they can do many things, don't I


no it's not it's not about the age okay like talk talk about those uh say come out from jail lah, I will kiss your feet lah I mean I feel like I don't like it when people okay don't that's just the point lah I feel like people should


work for themselves not ask


you regret chasing your ex back, but but okay she was what happen


so you [orh] you should have let her go earlier instead of asking her to, no it's like we're already don't waste time


one just go straight to the point ya


I I I I guess my one same similar like never do well for PSLE never do well for O level, I regretted not uh I regretted my worst, biggest regret is not going to JC ya bro JC so fun bro


actually my brother my brother JC mah I see, him compared to my poly life, the quality lah, the, the quantity of the vegetables, uh well the the canteen the


the canteen food he eat, the canteen food he eat and the canteen food I eat, different bro I mean that's one point ya ya I regretted but I know but but the thing is no


you remember just now my first point I say I like, like got drive one got motivation but different ah it's like, no no no no goals


[orh] ya I wanna say


oh as in my, kay kay kay I wanna share with you kay previously I've one dog lah, now I have I have one dog before, ah during army that was during army, my first dog was during army my


this dog is like me and my sister during national day we got nothing to do so my cousin flew over then we just say we go to the dog farmhouse so I drove them to Changi I think Changi, so we go to this farmhouse, then my sister fall in love with this dog, so, we just brought this dog home without parents knowing


so so suddenly, you bring the dog home my parents Siao ah, my whole family scared of dog one last time, then, then we don't know what to do but now after that we build our relationship, I I, like my niece got over the period right, we don't know how take care lah then this dog


suddenly have like illness and all this we spend a lot money, then that was during army I couldn't, I couldn't take care of the dog also partly is because I, was I'm not a dog lover ah but I have this only for this dog then, suddenly my sister say she cannot take it already she have to give this dog away


then all agree, I as I am not someone in position as cause I never take care of this dog I have to, let it go ah then on the day then, on the day like okay let's say on the let's say twentieth lah on this specific month


then this to give away, uh the nights before that ah I I purposely spend time with this dog cause I don't want to feel, uh sad about it then, uh I bring this, I bring uh, this dog okay the dog call milky lah I bring milky


go for walk I bring milky I hug milky to sleep all this then when the day he go right, !wah! my when the day the dog left my house ah my heart sank lah, right I come back home ah I come back home, usually the dog will come I come home the dog will like


at, the door looking at you like want to pounce on you, then when I come back home ah feel something very empty I feel something like !wah! no no is not as what I is ya something that I something that I think I should put in effort before I something I should like go and take care go and play with him !wah! then !wah! I I cried in camp bro


I cry I cry I, I uh, ya bro I cried in camp I I stay highest floor so I go to staircase, I go cry I fucking emo bro I go look at my I go look at my the pictures, I purposely go take a lot of pictures with him selfie


then I bring for a walk ah shih tzu shih tzu not that small uh it's like a lot of fur ya something like


ya ya ya then I ya ya a lot of people don't know lah but that was the that was that was something I feel !wah! that was my toughest moment ah ya I I remember that time I was still riding bike


so I took my bike I go for a spin, it was it was, ah that's why you see I when I'm sad I will, go and, go for a spin [orh] then I I remember that time I was riding bike then, you imagine this this uh uh what's that ah


atmosphere but right now quite cold right the weather, ah then I listen my earpiece go go for a spin I think it's damn damn Shiok ah you it makees me clear off my mind lor ya


bro now my dog bite you ah bite your, bird bird ah bro, my dog is a mini lion [orh]


eh standard what everyone is money what tell me what, ya I got three I got I got I got three accident bro I got okay sorry


I got car accident I thought I told you before, I spin like oh sorry sorry sorry, eh I got I got I got I got accident I got bike accident last time I ride bike then I got car accident car accident I spin, my car spin three-sixty like


ah eh that's part that's one of it that's one of it, there's uh there's yeah ya eh but that was quite fun eh I feel like I vin diesel eh I spin spin like


fast five bro eh no fast and furious five I remember, is bike lor I Geh Kiang I okay that time I you know my friend <P2>yitun</P2> okay one friend ah <P2>yitun</P2> ah okay so


it's one of my good friend ah that time, then uh, then I just started learning bike only after poly year three, then I remember, I went to like go find hangout with my friends ah like a few of us got bike together, so <P2>yitun</P2> is the one that don't have bike lah, so <P2>yitun</P2> first time sitting on bike also


so <P2>yitun</P2> <P2>yitun</P2> ask how to sit on a bike, I tell him you can sit on your ya it's stupid question ah so I ask him, you sit on a bike I open your leg big big open your hand like that, so then he really go do eh, so when I start off my bike ah


he like that eh, bro we both fell bro, then okay uh cause when you move off ah then, the centre of gravity is not aligned together with the bike, cause he like that mah it affects the whole bike


Bodoh, bro we both skid then the bike land on top of us, so I, I then <P2>yitun</P2> then the bike on top of us, then bro injury bro, we we like go #bai ka# like six month ah


ya, then <P2>kojack</P2> they all <P2>kojack</P2> they all were there lah, they bring up the bike they, they help to lift off then, one regretted ya


no we were like hanging down hanging out at the HDB like block and riding bike ah, then we just Lepaking there chilling, then they they from far can see us lah they were sitting at the the staircase there like the the okay ah


part two, positive experiences, heart my heart connected to your heart already,


, okay, my biggest birthday present ah


I think ah why I can't think of anything eh , maybe my parents planned for me, like when I was younger my parents plan for me, to you know laser quest you know


ah ya ya ya ya so my parents book uh where I was damn young ah primary school, then they they book they book this uh, how to say uh the the place for me, for like a few hours, eh why you keep laughing,


ya so I went to invited my friends and like we have fun and I think was a


okay when I was younger I have many parties like they plan for me and everything, okay but as I grew older eighteen twenty, twenty one I started myself ah like eighteen I don't celebrate, eighteen I I do what I went to the club ah but that's not celebration lah that is like, like your friends bring you go then eighteen


my eighteenth birthday was on the club lah, then, thirty-one I went to plan myself, uh now as I grow older I don't


birthday or your okay don't say best lah okay, what is the no birthday gift you could as in, not demand lah like you didn't expect this gift but then !wah! someone actually buy for you this


ya it doesn't matter almost drop to okay, uh basically I okay I, think throughout my life I was quite lucky like for example PSLE I didn't do very well, then I manage to go a school


ya lah I feel that I'm lucky cause a lot of things right, I I, couldn't get in but eventually I get in, ya so so joining like, I a bank I didn't expect I join also lah but I lucky I got this job, lor oh ya


forgot to tell you just now about the financial related topic ah <P2>ko</P2> today text me eh, ah okay wait later we talk about that, okay so <EX2>kanina</EX2> I I


you ask me eat maggi Mee I also okay one, oh sorry sorry sorry okay forget forget, eh I, I really for me food is just


I think is my ya don't say face lah I think is my <mandarin>角位:jiao wei</mandarin> ya, like I I I I quite uh I feel like I quite I don't that I don't mind to be a, fool in front of people ah is not play fool what I did what just now just now I did what I did


as in I as in I don't mind, uh ya you I don't mind ya as in like that that's something I I I feel like I'm this is my strength ah like so what about yourself what about you


eh brother the question is so what do you love most about yourself not what you love most about your, friend [orh] like treating your friend is, [orh] a point [orh] okay okay


don't think so meh I don't think I don't think, people take advantage of you, I don't know about your outside friend but then I don't think, I don't think in like the friends I have with you use that leh but as in you felt that you are


you felt that people take advantage of


(mmhmm)


okay do you want to guess ya lor okay why is cause I feel the


it's like ya it's like double edge but I, but I think about it it's actually, like that lah because uh no no no like I I see that okay cause firstly ah firstly he, okay the good side I see why I say my dad is cause


he started from poor what he wasn't come from a rich family mah, but he can brought up our my family into like that so I think he's quite he's quite uh successful in some sense lah but secondly is since young uh I he always thinks that I not capable enough so I wants to prove to him that I'm not that stupid lah so so I look up to him and I want to prove to him that


I also can make a name for myself lah, cause like, my dad like I go see his friends that time I go meet his friends


like <P2>rachel</P2> <P2>rachel</P2> also no doing like that what


can lah I also thinking about but we need like find more, oh ya ya eh later get number <EX2>kanina</EX2> the fucking Glasgow at the fucking room and the cast the kay I will had a school trip school trip uni uni school trip with my classmates at our school got this guy name <P2>ng jerong</P2> we had a we had drinking session in a in the


in a in a hostel, so he pushed me into the room and get some people to pin me down force, don't know how many bottles of alcohol in my mouth, then I after that went to casino with them instead of going to casino gamble I go there go to casino to vomit !wah! the next day I had a bad headache man yes sia it was like Glasgow was quite fun


Glasgow was quite fun lah Glasgow eh we just, after school, five pound five pound eh remember five pound


sadly I'm not your level ah


no you group better your group also, but I think if I were to join your group I think bet ah my grades will be lousier, cause I will go casino with them everyday, ya so it's like ya I I realise my my grades dropped uh ya I think you told me before


ya ya you say you want to use government money to go right, [orh] <P2>matilda's</P2> birthday okay what can can what do you hate as a kid but love as an adult now !huh! bro my okay my


kid last time got curfew got, got timing cannot go out here cannot go there cannot go a lot of places watch movie N sixtenn M eighteen R twenty-one now now we can go so many place, as in not priority what do you hate as a kid lah like I remember last time where I used to go theme park


then then theme park uh, they had like height limit all these, uh, now as you grow older you grow taller, then then , last time you go Genting you cannot go casino now you go Genting can go casino


ya lah I think yes she said she said, so what do you hate as a kid but now love as a adult


[orh], so now you can cane people lah, now you can cane people lah


now you can whip people lah, can whip people [orh] so now you can go


[orh] you can like spend whatever things you like ah


to to okay okay but how how how about let's say you have whole one whole stress at work okay is it so you like to drink lah you think you can drink very well don't do you think you can drink better than me terrible okay


the uh everyday, !wah! like one whole day at work ah I feel good right to sit in my toilet bowl ah then take one one stick of cigarette ah !wah! !wah! !wah! you shit and you smoke !wah! that's the best that that !wah!


I uh know like you eat already ah let's say you come back from work ah then eat, already then you went to shower then you you take your cigarette then you !wah! then you go shit man I think I uh as


as food I already tell you I very #chin cai# one I can eat any, any food ah do I will maybe, if I'm sad or what I will try to go for a run ah like no really really really I will try to not say run lah I will like try to go somewhere alone myself maybe I drive walk lah or drive lah ya ya ya but sometimes will run lah eh what time to do what


ya oh part one financial related topic, okay so who go first uh yes how about you


uh mine's under OCDC OCBC, ya, ya three-sixty the one where the one where you every graduate will, every graduate will go, or go for the first job apply for that one, no meh


which one you apply which one you apply, jump start jump start jump start is standard chartered lah, oh ya lah different mah you work at the bank there of course will apply the bank lah, oh you told me before right what's the interest rate, what interest rate oh first twenty K is it [orh] !aiya! never mind lah I said no no


okay okay okay okay okay okay so, eh uh if not why do you choose not to put your money in the bank okay if not why would if you don't put your money in bank then where will you put your money


okay which stock you will put your money in, oh okay


ya so uh, the the question also mentioned uh do you like do you have a fixed deposit, in the bank, uh no lah just follow [orh] what they scene just talk lor


uh I can't remember eh I I don't really I don't really go and see what interest rate there, I do have, eh, no


ya ya but but I think their their interest rate is not the same I think the other time I show you right I do I did a calculation I show you right, I showed you that the calculation that I the interest I got from OCBC is, higher than a few of other banks, don't you think so


uh ya lah you must spend you must spend five hundred dollars lor, legit one ah legit one ah legit one ah, legit one ah okay okay can you tell me


okay means what okay means what, ya lah I I they are like they cannot have one banks having more than the other I think it's just that the the the requirement to hit lah I think if I'm not wrong


two percent of what first twenty ah, [orh], I didn't I didn't !aiya! I didn't go and think about it cause, I saw OCBC was quite good then I did the calculation like like how much I'm going to spend within a month then I just okay lor just try OCBC lor


it's okay mah, I thought of putting fixed deposit lah there the other time you know I met my FYP lecturer then uh she was telling me like uh cause she different lah he different financial status so


she put her money into fixed deposit, then I tell her you put money in fixed deposit then you have like two three years you cannot take out your money, she's okay with it then okay lor as in it's not volatile mah you don't your money don't go up your money don't go down, is just fixed mah, so but she told me if let's say you have really really like uh


uh uh amount of cash to, don't spend, then just put you fixed D lah because fixed D gives you a very good interest rate mah but I don't know what do you think, what do you think nonsense right, nonesense right ya lah


it's very little because now the banks not doing very well they they did the interest rate what, they uh [orh] what the what the F ya lah no lah different ya lah no different no


no lah not eat shit lah as in it's different because because now got COVID mah different mah, you cannot, you cannot you must put it in a long run like maybe a chart of five years you you compare now COVID of course is, not of course is not uh uh


it's not fair mah is biased mah, ya so I don't think you should say eat shit lah, must uh, be more be more uh, factual with your discussion, shouldn't be give like force


uh debate, or force uh information to me, okay next, okay do you have a credit or debit card


what it's okay [orh], okay I ask you if you have credit or debit card you tell me it's okay okay never mind can you answer my question now, ya, ya okay you cannot multitask I know ya okay,


unlimited cashback [orh] standard chartered, standard chartered, eh you know you know right the other time I applied this uh uh uh standard chartered unlimited cashback then I receive this three hundred and seventy, nine dollars worth of airpod pro, then, ya receive already took damn long actually took damn long then I thought I thought


I thought I won't win you know so I okay lah I I won then after that I uh I went because I I don't want to use the airpod mah I already got aipord so I went to sell on carousell !walao! bloody [orh] cannot sell leh like everyone knows that everyone knows that, the standard chartered everyone knows that standard chartered is the


giving out free airpod I don't get to sell the airpods at all then got this guy lowball me like two sixty I think !aiya! just give it as a day gift [orh], #bo liao# ya then then wait then might as well I just get a cash right I mean I might as well just to get the citibank cash right


I !aiya! I shit I didn't know, I I I didn't know I didn't know, I think very long ago lah very very long, ago ya very long ago I correct correct


no lah ya lor wait next year lor wait next year lor, now, [orh] okay okay as in ya I don't want not use, I'm not using it


like I think I will I think I think I will go cancel lah as in but I I don't use also, because I think now I'm using, , you only using you only using unlimited meh you not using anything else, yup it's bro I told you already apply miles go and apply miles I, no


no they have the they have the cash they have the cash pay now what, they have the cash pay now , different now different mah as in I got the cash, I think, two fifty or three hundred dollars pay now from citibank ah


okay lor you don't want sign up now up to you ah then it's the same thing what from now till december the amount you spend right you use your unlimited cashback then at the end of the year then you just sign up then you lose out the the the miles what


same same ah ya lah true lah true true true true oh is it !huh! can, can you can drink from six-thirty to ten-thirty


ah I mean to ten-thirty , okay sorry uh, eh I don't eh, I don't I don't buy any insurance from bank eh


maybe you can you maybe can share with me more actually take this time share with me more like, you do what insurance do you know for a bank or what insurance do you think I should buy, sure yes sir yes by banker, okay okay


sure share with me ten minutes let's go, okay okay okay ah ya you don't need to repeat (mmhmm) okay


ya they go invest right they take the money and go and invest right, ya (hmm) ya okay okay


ya but ah okay the my question is, eh then, how how is this related to, to, how is saving plan related to insurance as in insurance they cover you in terms of its not in terms of health lah it they cover in terms of wealth lah, it two different portion right ah okay fine carry on


life life life life lah or whatever lah, ah ah ya ya okay ah for the investment lah investment lah invest lah ya lah okay


ya ya ya ya that's the that's the how that's how the insurance should be earn mah, you buy because you, you think that you might need in future but maybe you will not need mah, you will not need in future mah correct so ya okay okay that's endowment plan right


endowment plan right so, okay uh, so eh wait wait wait let's say wait let's say let's say if I were to invest in endowment plan right then how much I got put in one month


let's say if you you you let's say you prospect me for example then how much you will prospect I will, put in one month, eh I'm not your customer right, okay okay okay okay okay ya ya ya okay


okay okay ya, ya lah eat shit lah, [orh] okay


uh no maybe no maybe you maybe you like look at the customer's uh income then after that you from there you gauge mah like or like how many percentage you ask the customer to you advise customers to invest so that's my point ya, okay uh okay okay understand right ya ya


, uh true lah true no lah because I was thinking , eh I never invest in any I never put any money into an into insurance or endowment plan also lah I I just put all the my money into you also know lah I also put all into, into into stocks so I never really go and ah ya I think I heard before ya ya ya ya ya correct correct


ya no but the thing is no the thing is because health it's already it's already it's already taken care of mah that's why I, as in ya lah cover already mah, ya covered already so, no lah because sometimes your parents will buy for you your insurance what then you just need to you just you take over the life insurance mah


as in like hospital plan or like life insurance they eventually they will buy for you mah, the I mean maybe some lah some lah ya some some some, some (hmm), different lah different different, different


because they're different you cannot bring different different, is ya you, , she's not brought up that way ah I okay, whatever okay next , uh okay I think we got to sum up our discussion, so actually I think thank you for sharing with me


ya thank you for sharing with me cause I eh !aiya! I didn't get a chance to ask you also lah we don't have we always only just play the damn computer game never never get a chance to ask you also, so at least today I get to know a bit lah but of course I will ask you, again more lah talking about it in endowment plan, then uh ya


the loans all this I think not our, uh sure what do you want ask me, ah eh I got I


negative experiences in your life, share with me come, share with me your negative I don't want talk for three minutes already just tired, you talk you talk (uh huh)


okay okay, ah okay okay ah


you continue continue continue, okay why, why people look donw on you cause you lose money casino, ah ah ah


[orh] [orh] okay, [orh] [orh] hor hor


[orh] okay okay okay okay okay, no lah it's just it's just subjective mah stress, okay okay my turn my turn okay, so eh, , there's this this question very funny very cute


it says there is an african proverb that goes the child who is not embraced by the village, will burn, will burn it down to feel the warm, has there been a time when your life where you have come so close you come the closest to set, to start the fire do you even understand the proverb like


the child who is not embraced by the village will burn it down to feel the warmth, ah come elaborate, nonsense question right okay next, ah to burn to burn


to burn the to burn the tree to feel warm, [orh], do something to be inside the to be in, uh, uh #cai fan# is it #cai cing# #cai cing#


okay wait let's not talk about race okay, uh, I don't know okay <P2>bobo</P2> <P2>bobo</P2> whatever, his name I don't know I don't know I don't which guy okay never mind next okay next next next


as in you just trying as in this question is just very funny


[orh] [orh] [orh] okay okay okay I know, I know okay okay ya why,


!oi! I tell you I know I know what to talk about already for me, what was what are some hurtful words someone said to you when you wish, to forget I would say uh, I'm sorry that I got angry at you the other time, I'm fucking sorry ya the other time


uh maybe not in detail lah okay so uh I just want to apologise lah as in I think looking back right looking back I think, uh I was a I was a very bad friend lah, because I think because uh, uh it was a build up of certain things lah like I I think I waited for quite some time then after that the weather was very hot


then, uh you guys took your time, to do to dilly dally then uh , I was already there like waiting for you guys for like one hour plus already then, you know the incident you know right don't act like you don't know, ya because you want because you want <P2>rachel</P2> to


hear, to listen to the to the story, I'm not gonna say it, but you know what you know what I'm you know I apologetic about, you know I just ha okay that makes me sad I think, think this is a this is a this is a very good negative debate oh no the negative conversation


ya so uh I think I hope, I hope right that will not make, us uh, be not good friends lah or best friends or, or bros or whatver there's oh is it


ya I I suddenly thought about I suddenly thought about it then like I like, !aiya! it's just, [orh] that that thingy, no lah thinking back mah thinking back like, such a good friend then like you know got angry for nothing get angry for the wrong reasons angry for the stupidest reasons lah and [orh] is it maybe after this [orh] okay eh I don't think


I don't think you are kind of person that, that, feel that nobody cares about you lah I also don't think that uh, (hmm) I don't think, ya I don't think we are the the very negative kind of person or negative people in the society but never mind lah just talk about negative stuff lor


like what makes you so what makes you what makes you angry what makes you sad, what makes you think so like negative or criticise or critical about others, maybe you just share lor you just share like , like like what you don't like about someone like what you


don't why you hate about someone so do you have a drive do you have a drive do you have a drive okay what drives you what ah what drives do you have okay lame not funny whatever funny ha ha ha this is


this not time for you to laugh ha ha ha okay funny let's go why, [orh]


true lah true lah sometimes ya lah true lah, true but must see their age also mah must be, must be sympathetic mah [orh], eh very sensitive hor this kind of topic, you you might never know if if another person is what what


okay no wait I let me let me rephrase the question, we shouldn't we should not talk about others we talk about what eh, what was the biggest regret you had you have in your, life like uh (hmm) like, in terms of like investment or or relationship or friendship


or studies, ya maybe then that will be like related relatable lah to the, topic I think uh very sad ah last time, last time got this girlfriend then


ah ya it's damn lame, !aiya! just okay for the sake of this uh whatever ten minutes I just, share so I think, uh the biggest regret was to chase her back, ya I that was what I what sec five sec four


that kind ya, ya like no regret asking her to stay when she has already left, as in left uh and have heart for someone else, no lah it's just younger mah so, like you really really like this girl a lot so uh


one day she tell you [orh], you know you don't like you anymore then uh you, confused lah you're thinking like what the fuck like, what have I done so , after that she as in she left


telling me, telling me that she had lost feelings et cetera but after like after awhile I knew that uh, she's like talking to this uh army guy lah this army dude so, ya should have just like not begged her to stay


ya, right ya, uh but that's love lah uh that's when we're young lah now I think if the girl leave I think just ask her fuck, off lah don't waste time ah correct, ya don't waste time ya don't waste my time


ya so ya , ya don't waste my damn time okay so uh in life ah, I think uh, was not doing well for my O levels, I think, the biggest regret was not doing well for my O levels, because in secondary school uh never really study hard lor so you know never really do well for O's


but okay lah I mean we are here, finish uni whatever oh is it is it


I don't I don't think so eh, really eh uh why uh, the quality of what of what,


[orh] okay okay okay also the quality of the quality of vegetables lah okay okay okay, [orh] so you mean you mean the girls lah the girls is it, the quality of girls different [orh], oh sorry sorry different context as in I thought you were trying to say like uh JC girls are better than uh poly girls


[orh] okay okay so judgemental, okay, but back but different eh but different I think poly girls are, better than JC girls ya, they they hold your hand to go party one for JC you hold their hand to go party


you get what I mean, [orh] but in terms of quality lah ya lah ya lah you so you trying to say like those that go to clubs are not, of that quality lah ah ah


okay okay then my next question to you is like what is some, like uh uh uh, okay maybe what's was like saddest like, time in your life, something that really really really like make


you, ya makes you very very sad, ah eh oh, oh is it oh I didn't know okay, I thought [orh] army okay okay okay


you lost something lah you lost you lost ya your uh uh uh ya, oh you cry in camp ah what the fuck really ah really ah ah dog picture ah


what dog was that what dog was that what what breed, shih tzu [orh] the japanese the small small one ah the the the no lah not very small lah very handsome one right the dog, very handsome one right [orh] okay okay !wah! I didn't know interesting


oh ya they know also what the hell I didn't know I didn't know you cried over a dog, I don't you as this kind of person lah that's why, I don't see you this kind of person, okay okay


that's ya !wah! I didn't know okay something sad, something sad about you that I can disturb you next time, ya okay okay whatever okay,


okay what what what what what do you often uh, like worry the most don't tell me money okay , ya okay don't say money don't ya is actually is actually irrelevant lah if you ask a girl the question maybe the girl will say like weight uh like pimple like make you ask guy like ya always


about money ya boring okay, uh, what else make you sad ah, oh very difficult actually hor, you know to make to to to like uh, okay [orh] I know I wanna ask you you have you got into like any accident before


or incident !wah!, for solid solid bird bird ah you, I know lah I know lah it's just for the sake of conversation right, uh uh


no wonder you tell you tell me you are very lucky to be here lah !walao! eh, !walao! eh no wonder lah if not we won't have this conversation eh maybe I maybe I talking to another <P2>marcus</P2> eh, ya lah the don't know is fun ah fun ah what the


okay okay tell me tell me what's the incident you regretted the most, like like out of these three incident, why what happen, ya okay ah okay stupid question


stupid questions , okay, , he he fell ah he fell off ah, why eh as in how old, why were you fall


oh ya ya ya ya ya ya ya ya ya, oh ya ya ya ya !wah! shag, !wah! then you all no injury meh, [orh] okay okay sorry can't laugh oh is


oh before before you all before you all you all like left for like, like, your destination lah you all fell already lah, then don't even [orh] [orh] [orh]


okay can thank you thank you <P2>ang</P2> for your for you're sharing !wah!


okay, eh no <P2>ang</P2> they say they must have heart to heart chat eh, you must see your heart must be my heart ah, ya okay Ons okay


so eh okay what's your biggest birthday present, okay what (uh huh)


uh Batok one ah, (uh huh)


okay continue, continue , !oi! eh your parents eh your parents , really very like like let's say like make it like your birthday right like a very uh big thing to you like !wah! eh <P2>marcus</P2> is like


like, twenty one then you throw a party for you that kind of thing are they that kind of person I don't know eh I never get to ask you also,


same same ya it's because my parents they I think they're very traditional so eh they think that birthday is just another day like example say for mother day father day, uh it's just another day so very different lah like for us like you know like anniversary like uh uh birthday


we, twenty twenty one years old we like to go to the club we like to throw chalet you know like hotel staycation et cetera but uh I think, I don't have really best birthday present eh I think maybe best birthday present is, like to myself lah like you know, we now so old already then like [orh] okay lor birthday they just buy something for yourself so