who are the people you most cherish in your life and why, you want to start you start ah


ya ya ya ya, I think for me it's family friend family and friends I guess because they were they were there for me most of the, time lah my my my family and my friends


and, I think I cherish them because ya like I said they've been there, throughout most of my life lah since I was young and now lah still so, , my family and my friends I both treat all of them as like very close family lah and I like how to say depend on them most of the time so ya


, I mean I don't know I don't listen, to


normal songs lah usually listen like japanese or hard rock metal songs, ya, ya ya ya ya let's skip let's skip a bit embarrassing ah


how will your life be like if you're a millionaire I think if I think my life would still be the same lah, just just , uh actually I don't know I think my life will still be the same I don't think I will even move house this and that because even you have million dollar that's not going to be enough in singapore eventually in ten years I think or maybe less than ten years you died out unless you invest in that million dollars lah but


I think it would change my life lah maybe, ya maybe I'll buy a car I think ya ya, ya ya ya ya invest ah


, ya okay


, describe the moment you felt the luckiest


no I actually I don't know what moment I felt luckiest


[orh] [orh] ya ya ya ya ya okay okay okay, ya I mean that's that's the same for me I mean that happened I think last three weeks ago our last pay lah so I I I think my boss paid like two hundred more


then ya I mean that was lucky but I just kept quiet about it lah so , ya, ya,


describe a travel experience that you left that left you in awe, , I think


I think that time when I went for my father's side sibling wedding I think my whole family was there like my mum uh relative side also was there so that was the first time after so long we went on a family trip lah with all of us


so it was fun ah we do a lot like stupid things there, ya ,


france ah


, okay, ya cold weather some more ah, ya


cannot ah hot ah too hot ya , okay describe a time when you can't wait to attend a special event or concert I mean for me I think it was like four five years ago because I listen to like hard rock metal songs right so there was a gig in singapore like they


come in singapore I think that's their second time here in singapore after so long, so, I beg my mum to let me go with my friends ah so I couldn't wait we went there, it was so so great


ya, I even got the drummer's , uh uh drumsticks and the, what is that the towel, ya


I think that's the, the


oh you don't have okay, what's your best, what do you mean best surprise


(ppc), [orh], birthday party I think that's the best surprise, I mean eh I don't think birthday party eh


, !huh!, I think so far ah I guess it's birthday party lah


uh I mean not party like birthday surprise because every time my birthday it's like my parents and my girlfriend would, , surprise me lah without me knowing like my mum would bring me out to eat, like my parents ah my mum and dad would bring me out to eat but


my girlfriend would like, make me travel around singapore , eat then maybe do stuff I don't know, like what what she plan ah then we come back to my house, ya


so I mean that was I mean it happens sometimes lah so it's really a surprise for me because nobody does that lah for me, your head ,


oh birthday bash,


ya I mean once you grow older I don't think you will be able to experience that lah, ya ya


no eh I think it's too childish for us already lah, I think we get annoyed if people do that I don't know, , what is your biggest blessing in disguise, I think my parents ah parents are


my biggest blessing are my parents I think, ya I think my parents lah, what's your what's your what's your biggest blessing in disguise


ya, I think parent nothing nothing can beat parents I think because they were there before you were born and after you were born, , ya ya


I think parents are biggest blessing lah, , , err describe a time when you had someone in your your time, describe a time when you were helped by someone in your time of need


, it's it's I actually I don't know I need to think you can start first ah


what was the happiest moment in your life what was the happiest moment in your life, eh actually the describe time I still haven't say my part ah I still haven't I still don't know I okay so ya how


I think I think when I'm late lah cause like my friend will send me, like if I am I'm I really need someone to send me to certain place because I'm very very late then I ask my friend to help me send like help like fetch me to send me to the place that I need to go lah so I think that's one


ya that's someone who actually help my time in need lah cause I mean I don't always like late but when I'm late then I really am late lah like very very late


okay describe eh no what was the happiest moment in your life, ya you start ah


ya oh my god, ya


I think for me the happiest moment also secondary school ah because that's where you make your friends that's where you learn, to to grow up lah ya become men ah that's where you grow up and, ya I mean you make a lot of friend a lot memories ya even up till now I still miss my secondary school time


because that's where the fun is lah that's where you, you get to like do things like like doing stupid things like staying out late at night


ya ya ya, ya ya, secondary school time we like err we really have to cherish lah


, share a funny inside joke that you and your group of friends still laugh about until this day, uh I mean for me it's not I don't think it's a group of friends can say family ah err


, there was a malaysian seafood restaurant ya so we make fun of this one one boy lah up till till up till this day lah so it was it was a really funny inside joke lah


uh uh uh don't sensitive ah , ,


(ppb) okay, (err) (ppl)


uh yup ah [orh] uh financial-related


topics, is it the eh where's the prompt ah, [orh] financial-related topics ya ya, [orh] okay okay [orh] okay so we


we talk among him ah, oh okay okay , kay okay COVID times is it [orh]


so for your saving ah , oh so uh you done, [orh] okay ah then ah, for me ah my habit of saving is, once I get my salary like for one month, I'll keep, like forty percent for


uh spending on cloth all the things I need ah not need ah the things I want, then the other percent the sixty percent, I'll put it in my bank save it uh make sure I won't touch it ah, like okay ah like what you say uh during the COVID times


like, very hard not very hard ah , more difficult to, purchase stuff outside ah so mostly it's online, ya okay done ah trends ah like trendy stuff like ya [orh] you done ah oh okay uh for me


I I'll probably say ya, save up more don't follow, like what other people things ah what other people buys don't follow, might be trendy but, but like if it doesn't pique like your interest, like


just a trend ah like follow people by stuff if you you like follow them buy as well, I feel like it's not worth it lah ya I feel like if you, financial advice, start investing ya


when you're younger ya start investing learn more about uh the financial system ah, ya done ah !huh! !huh!


okay I think that one we skip ah we got where got we married [siol], ya [ho] [ho] you done (uh huh)


okay ah in uh post COVID world, what changes you are making to your spending saving habits uh, okay ah during uh during circuit breaker uh ya, malls not open , then from there I started saving, like


we don't go out as much as we used to ah going to the mall, see uh oh, see the app uh see the apps, like how to say, I'll go to a retail store see clothing brand


like wasn't like that so we, didn't spend as much like for movies arcades we didn't spend the money on that, then I feel we saved, then after the circuit breaker, like phase one phase two we get used to it


ya done ah [orh] ya so are we done okay uh


okay for me I do not understand fire what, if you talking about independence when young, I feel like if you , start working when you are young ah like seventeen sixteen or eighteen, how to say ah you get used to it


you get used to getting lots of money like not lots of money you get used to getting your own, salary your own money, you spend it however you like but it's your own responsibility, but since it's your responsibility you feel, like once you start working you get used to it and you feel


more embarrassed asking parents for money, ya I I from like from there I think it will start , you are becoming more independence ah, ya done ah see no I feel like


CPF saving ah how you manage, !wah! no, okay ah for us uh part-timers, if you get CPF most won't won't be happy cause


we like we don't earn as much as full-timers, ya then like you hesitate to find work that has CPF contribution, cause, it takes twenty percent of our pay, but I feel like if you start young ah


for CPF contribution like you start working you contribute to your CPF, I feel like it might help in the future ah who knows, uh for, maximise your CPF ya who knows you can maximise your CPF savings ah for retirement


ya okay ah I mean


not only our CPF contributed twenty percent but , companies uh contribution as well I think seventeen or eighteen percent ah, contributed ya it might help ah, ya


I skip ah for this question I skip, ya I'm not too sure ah nah oh you you done [orh] sorry sorry clothing ah [orh] okay ah for me


wait wait wait where's the question, hold on ah (hmm) okay ah for me like , spending too much on okay ah for youngsters ah, uh like how to say, our age our our generation


most youngsters err , spendings a lot on, cigarettes ya, ya I feel like cigarettes will, how to say, really make you lose your money ah


cause ya one pack already is, very expensive ah considered, ya and like once you get, how to say you get addicted, then like one week what three four packs or more


then like, just like that what forty dollars gone one week, ya eh yup I think I done ah yup !huh!


needs and don't ah needs and want, needs and want ya


social media ah once you see something it's like, appealing ya, you just want to buy it, ya, yes ya needs and want ah, you are done ah (oo)


okay uh , okay ah for me, full ya uh full-timers can work on the weekdays weekends I mean weekends uh doing grab but for uh for both parties ah part-timers and full-timers, they can start an


business online business ah ah like carousell, or shopee ya, like you can , sell from there create uh, how to say , a good online business like a popular one or from maybe from instagram


uh home like they sell, cookies and all that ah, ya then from there you can start, adding a little bit more money ah more cash ah, ya [ho]


no I feel like uh a car, uh how to say a family, you like you are single you buy a car I feel like, waste of money ah ya ya a family ya


kay ah okay ah for me not too much ah just, I feel like, do a saving account, so, like put all your saving in a saving account so you like, for sure you won't touch it lah, ya that's all lah for me done ah ya yup (ugh)


individual ah, ya okay ah for now we might not think ah that it's worth it but in the future might be ah ya okay ah


negative experience with your life, okay pet peeve eh ya [orh] [orh]


okay ah for me, okay ah I got I think I got, pet peeve, when someone, how to say, when you're having a conversation with them ah, then like I guess when they talk


know their saliva come out, ya ya ya ya okay ah that one a bit, ya a bit, I really don't like ah, ya uh !wah! very annoying , I cannot I cannot I can't handle lah a bit a bit disgusting ah, ya


well I feel like err I think pet peeve I guess , I guess if like, you know you your friends uh how to say no humour uh like joke like how to say like you playing along with them ah, then like one insult one another another one insult insult another then like even though if you are playing around


but if the another person who insulted you like playing around with you, can insult you but if you insult them, back then like they, ya they can't take it I feel like, ya come on lah you, you started ya


ya ah, okay uh recall a scene from a movie that made you cry in sadness , ya lah ah


(ugh) she's


ya she's deaf what ya, ya okay ah


okay ah for me same ah, silent voice ah, but I feel like the saddest moment is, when the bully and the, bully and the bullyer, ya the bullied and the bully


like, after a few when a guy ah got suicidal lah, ya then like after that like him and the, bullied and the bully, like they get along like how to say they fell in love with each other like


!wah! very sad ah ya I don't know if sad or, how to say, touching ah ya very very very touching ah, like, what happen in the past like like what they say ah, usually your enemies you marry your enemies


I don't I don't know got people tell me, ya okay ah, uh describe what you dislike about your younger ~ration, you sorry


uh uh ya same ah same same, okay ah uh done ah


okay ah for me okay I I dislike, younger ah but for older, no okay for older I'll start with older ah generation I feel like the older generation like, I would say, tends to think ah like got to thinking like, how to say you you must school you must get good grades


but like the society now I've seen a lot of people lah, drop out, they start uh their own business their own like their path ah then they get, then their life more enjoyable and more more rich ah, !wah!


there are some ya I mean depends on, yourself ah yes, ya I feel like it's not always about good grades about like okay uh older generation like, , I guess ah most asian parents are like, asian mothers ah


like they want their son to be a doctor, like I feel like, you trying to choose uh , career for your children ah like, I think so is uh, right way ah I feel like your children should choose their own career the one that that they enjoy the most ah


ya, then for younger generation ya very soft ah like, got two younger brothers , you know !wah! last time when I get when I get scolded, !wah!, I will always like !wah! shit man


oh you know ah Kena whack ah [orh] but now, okay ah not not it's not it's not a bad thing ah it a it a quite a good thing ah it's just like you got that feeling like, !wah! you know ya ya lah


ya like !wah! last time you !wah! you Kena whack ah what, !wah! now my generation ah they do a lot of, stupid things, !wah! they only Knna lecture !wah!, good thing ah I mean I guess uh good thing ah but, my points uh my point of view ah my perspective


like, why couldn't it be like when I was young then they lecture ah ya, , ya sia sad ya, uh talk about your worst travel experience


okay ah !wah! [orh] okay ah for me


every week I suffer a bad travel, experience you know why, you know we stay in central, but we are work no not about the jam way to work, okay for now I'm working at, uh what is it ah


Changi air freight, it's at the end of one of the end lah, like, you can never know when you going to be late or early sometimes if you go out your house early, what if there's a MRT breakdown what if there's a bus jam uh traffic, like okay ah I've jealous ah most people


when they leave their house they leave, very late, but for me I have to leave like at least two hours before, like ya , no ah ya six


I feel, I feel very jealous ah, like always very bad ah, no okay ah for for going to like I would say going to workplace ah, cause workplace is like, very hard to escape ah like


you still want the money but, we are going back home time ya if you're going back home then the next day you still got work, you travelled so far then you must travel back and you're very tired, ya ya that's


always a travel bad bad travel experience lah, ya okay, describe a time when you feel that nothing you do is good enough


nothing I do is good enough ya skip ah skip ah, uh describe the embarrassing moment, !wah! okay ah for me for me uh


last time when there was a trend selfie ah, ya ya ya very very, very cringy ah the way how you take your selfies all it's a trend you know everybody doing it so, you join in you take selfies, but looking a bit like looking at it now ah like very


very cringe ah ya very very very cringe eh damn, ya


ya, ya sia the emo state ah


ya last time it was quite a trend also what, no E boy ah ya describe


describe the moment when you feel like the world is against you, uh for


[orh] okay ya ya ya ya, like got curfews ah curfews you know, ya ya


ya when we start working we get it lah,


ya okay ah for me I can say same ah I mean mostly it's, going out ah curfew I guess, ya never go out, ya I set ah then go, [orh] okay


what is the most traumatic incident you've ever experienced in your life, (hmm) ya traumatic ah stealing ah stealing


is it stealing traumatic ah, ah last time uh, a bit a bit naughty ah, go steal at, uh chop uh toy shop ah was young with my brother, ya then got caught


I got caught in the toilet ah, I don't know how but, ya then then we were, brought back to the, store office uh when I was young ah they they ask me to choose uh option between going to the police station or calling your parents ya got pressured one mah traumatic ah I feel like very


regrets ah very regret ah like, cry I didn't want go police, then I called my parents, parents came slapped me in the head, !wah! ya that's why oh


know once you talk about this, I recall uh chalet, one of my friends ah got possessed ah, ya then very traumatised ah ya okay ah uh


have you experienced any loss in life if you have describe your emotions, at the point of time and how did you deal with the, loss you start first ah you start ah, I okay also I okay I can talk ah


oh, I thought I I talk first ah, uh uh I think uh, okay ah my most recent one was my grandparents ah both uh grandfather and grandmother


uh in the same year pass away, but, okay ah even though it's a loss in my life ah but, wasn't as close uh, with them ah as like compared to my other cousins ya I feel like, okay ah my grandfather we're not not really close at all so I didn't really feel like


like pain ah, but when my grandmother I feel like a slight pain ah but even though not that close but like how to say, If I'm going to a family event we will see her but rarely talk, ya but when once she passed away feel a bit pain ah but


not as much pain as the others ah like my other cousins , like their emotion towards her ah, ya and, it was okay to deal with ah since it wasn't, that big ah, done ah [orh] [orh] [orh] ah


eh we skip this question I don't understand ah, err uh what oh oh okay lah can what disgust you okay ah what disgust you, oh ya ya


ya brutality ah ya ya disgusting racism as well ah, okay ah for me I guess racism err


everyone born the same mah, right there's racism ya different skin tone, ya disgusting ah , okay ah in singapore as well what, a lot of racisms ya yeah


positive experience in your life, oh okay


ya okay lah like going #east coast# ya, ya like cycling like how to say


roller skating then you fall ya ya ya ya ya


okay lah same for me ah spending time with family ah, ya, then from there you also, as a child, whatever you want to buy you like you don't need to work hard so you can just ask your parents, ya okay ah !wah!


primary six, [orh] [orh] [orh] okay ah


for me in primary six, no ah once primary six, concentrate on PSLE I feel like very stressed ah , when I go secondary I feel like as a childhood I feel like, spending time with family ah ya, I think that's the best part of childhood, or meeting your


how to say, like how to say beyblades ah , ya ya , ya playing beyblades ya with your friends or family, ya oh eh so your one done [orh] for me


secondary school lah ya, very fun like, me and my friends experience lots and lots and lots of ups and downs ah then like, we suffer enjoy together, ya I feel like secondary school is uh one of the best time ah


ya, you start first or I start first


oh okay ah , friends and family ah ya, feel like your family were there for you since you were young, like they'll support you ah no matter what they still support you


you like err how to say you, create problems outside as well like, like how to say you in the school lah they will still support you, then like your friends are with you as well ah once like if anything happen to you like your friends are with you they'll support you


then you have fun together ya, those moments are like how to say, rascal rascal times ah, ya ya okay ah uh


what's the best song lyric you have ever heard, uh you you start first ah , !wah! hard rock ah


ya I feel like I feel like skip the question ah cause I I don't know leh , uh !wah! car driving ah oh you done ah


okay ah for me if I am a millionaire ah, probably start on, starting a business ah ya, business from there branch out, get more money become a billionaire


ya spending the things on what I want lah, need and wants I spend it ah since millionaire, like how to say, more relief your life will be more relief ah you don't have to, work hard again you know


every weekend sacrifice for work, ya, will be very helpful lah, okay ah (hmm) you start first ah oh okay ah for me


uh a recent moment ah, like , when your boss uh accidentally pay you a little bit uh extra money ya, ya ya that one that one I feel very lucky ah, ya uh ya


like it's more more the better ah I mean, not our fault , ya I think ya lah when they accidentally transfer wrong amount ah a higher amount luckiest well one of the luckiest moment ah, uh okay !wah! you start first ah you done is it


oh okay ah uh, for me when I travel, europe ya I, visit my auntie there ah, like very nice moment ah, you meet your cousins you meet your


aunties uncles, meet your eh, meet your nephew eh niece meet your niece, ya like, make me oh I feel like, if I, oh can go back there visit, ya


I feel like err it'll be a nice moment ah I mean you want go there very, very expensive ya , cold weather very nice ah, new environment new people tired of singapore ah ya too hot ah (hmm) [orh] okay ah for me


oh when I excited ah, ah I think it was, no I think I I think don't have ah, ya


what's your best surprise, I feel like , surprise birthday party err examples ah, [orh]


considered a surprise ah I feel like it's considered a surprise lah, oh surprise err like come shock or what ah something happen, to your life [ho] birthday party is it (hmm) [orh] okay ah


ah okay ah for me my surprise , I think the best surprise was, uh , okay ah like my first ever err surprise birthday not party like


not like, bash birthday bash ah, ya ya like recently eh bring me to the, mall we watch movie err big group


then after movies you know very nice feeling very cold when outdoor, suddenly one of my friend grabbed me, closed my eye like uh, ya lah like how to say really grabbed me ah, ya next thing I know flour and eggs ah ya ya but


okay ah during that point of time I thought like !wah!, !wah! like very , how to say ah !wah! troublesome leh !wah!, but like how to say when you think about it now like, those were the happy times lah the fun moments, should really cherish it ah


become part of your memory , ya ya once you grow older, feel a bit, childish I guess I mean when we young


if we experience that right, I feel like it's okay ah but for now, !wah! ya too childish ah ya uh


blessing in disguise ah, ah !huh! okay ah for me


okay I don't really understand the question ah but, what's the question, okay ah parents ah ya I guess, like ya okay ah a lot


ya a lot of times they they angry at you all what, you know, it's because they care for you in disguise ah ya, okay ah, ya ya because we're saying ah, oh


you you start first ah, oh ya uh , okay ah I think that one I can remember now, primary school I guess , primary six !wah! I was very weak in my subjects ah like maths science english


!wah! then, during that point of time PSLE coming like, I felt very nervous ah because I've seen people, uh fail then I feel, a lot more pressured, like what if I can't do it ah since I'm very weak at these subjects


ya but, like I felt like I really need help ah but you know you you don't usually go to your teacher out of nowhere you say you ask for help and that ah, then after that, they started uh


how to say like asking students if, going for who wants to go to for extra class, such and that then volunteered myself, then like, okay ah those extra class was, how to say it was not like the, useless one lah like it was like they really help you ah like one on one they help you


do this then ya during but that point in time ah like, a lot of teachers helped me a lot ah ya like I feel now without them, how to say ah, I think I wouldn't pass my PSLE ah, ya ya done ah !huh! oh ya ya that's why [orh] [orh]


, okay ah ah , what's your happiest eh, okay ah you start first ah, I start ah oh okay ah happiest moment , secondary school times


ya ya err !wah! a lot of, emotions at secondary school times lah a lot of things happened, you during that point of time you your friends mature together know like experience life together, like ya


ya I feel like during those times ah we help each other, do a lot of things for each other ya, feeling those times ah one of the happiest moments of my life, you become a man yeah


ya


okay ah like for now if we, how to say we we did stupid things like, when we were in secondary school, like most of the stupid things ah I feel like, not not so good ah like now we're all working most of us are working part-time


our weekends are all filled ah then like, very hard to meet each other ya, should really cherish those moment ah, ya you start first ah how !huh! [orh] why


[orh] [orh] okay okay okay , [orh] [orh] okay ah , I feel like that one a bit too sensitive ah ha ya lah okay lah for me I feel like


uh, okay ah one time malay class my teacher asked me in malay uh, do you want shit or rice I I I I choose shit ah, ya


[oh] okay [lah] can skip skip (ppl) can stop already is it [orh]


part one finance


(mmhmm), okay I used to okay all of us are primary users so I think all of us POSB savings account that is my first account


so back then uh I think I was in primary three so my school actually they had a bank you know the POSB will come over and they started marketing squirrel savings account which is now


ya so now they renamed it to what uh kids POSB so last time ya ya I know right last time, exactly and last time the coin deposit there's no fee, and


and they give you a monetary bonus for the uh pacific if you hit a certain quota of coins in the squirrel bank they give you stamp they give you voucher, , yes that's what I meant they gave you like a incentive like that and I think back then uh for the kid saving ah the squirrel savings ah I think POSB watch was much more lenient and


I think they have more things to throw but nowadays I think it's very hard to force a kid to save because one thing the coin deposit to find a coin deposit machine, ya, so where do you go for coin deposit actually


(mmhmm)


okay, , so linking back with this actually uh do you know at what age a child should be given a ATM card actually do you know


okay, yes means they have a dual function so the primary account holder would be your parent


and then the second owner will be the kid's name this is to uh like uh to stop the misuse of the kid or you know nowadays there's a lot of thief you know they will like smoke the it actually all this is because of case scenario when they rob the kid and they have the ATM card lah


sixteen (mmhmm)


oh I would agree with you I think uh to be age sixteen because they can manage the finances a bit better , uh not saying primary school kids can't uh they do actually but then uh maturity and yup let's not go there


ya (mmhmm), , anyway <P2>devi</P2> uh that time you were sharing sorry to cut you actually uh you were sharing actually you and your fiance is actually uh you all are having a joint account or some joint partner account right for savings for the marriage could you share more about it


it's actually under which bank I mean OCBC or POSB uh, (mmhmm) (mmhmm)


so you and your partner who is the primary I mean is it the same thing, oh then the secondary user, (hmm), so what the features actually I mean like you have cashback


oh


so would you recommend like uh like young couples who are planning for their marriage to actually open a joint account with their partner or, no no I'm not saying you're old but would you like recommend and if


(mmhmm), (hmm)


(hmm) thank uh yeah that actually is a very good point I actually uh if you remember when we were in our final year in our polytechnic I think about twenty twelve, remember we had the you know at our atrium our poly atrium where actually OCBC frank card was a hot topic or actually high five actually I'm also using that because uh in comparison to savings account the interest is actually four times higher


(mmhmm) okay , oh so what is the interest actually how many times higher, oh okay, oh it's monthly eh makes more sense eh


ya thousand and then if you don't have the minimum thousand they will uh impose a fees for that remember


, do they have a annual fee for maybank no, so actually what made you actually to go uh open maybank because maybank is not a local bank if you know it's from our partner country malaysia


okay (mmhmm) (mmhmm)


yeah exactly because maybank standard chartered ya we wont spend right ,


but <P2>devi</P2> uh sorry to cut you like uh but do you find the fixed deposits and the high yield bank account for this uh, like foreign banks in comparison to our local bank ah they actually have a actually a very distinct uh line like in the way because the fixed deposit rate actually fluctuate if we want to compare from our foreign banks


to our local POSB DBS, or ya what do you feel about that actually, ya, (mmhmm) (mmhmm)


twelve ah


(hmm)


okay the bonuses is the part which actually uh make our asset class, in the stocks market lah so let me just share a bit more about exchange traded, fund to you something which uh so uh shortly the ETF is the


abbreviation actually for exchange traded fund, so you invest a buying share of the ETF essentially only a tiny portion of the total fund, when you buy these share certain price and prices go up and you can sell the shares and make a small profit so you might be thinking why am I getting too wordy but actually I did gold investment actually


so uh I ya yup so I uh actually uh how I do my ETF is actually private actually I didn't uh find any uh pacific stock exchanger or I didn't have a party, so for this gold exchange I actually monthly from my savings I actually purchase a gold bar which is uh it's worth eight grams so eight grams is actually one pound


so one pound is actually eight sovereigns, so in that weekend actually uh see the market so mainly our market stock index are typically with the two major stock indices representing the market so S&P five hundred the dow jones industrial average for the US and


hang seng index for the hong kong market which is terribly bad now and nikkei two two five, represents the japanese market to be very honest the japanese market is actually doing good in this COVID nineteen pandemic, (mmhmm)


okay now my question to throw to you so what no I explain to you about ETF okay maybe uh do you know what is STI ETF what does STI space ETF so do you know what is SP five


, okay so STI means straits times index alright next is ETF is what I just said this now, , exchange traded fund okay this is how we complement each other right


alright, okay so can you make a guess, look can you make a guess as uh february twenty twenty, uh which is the uh current top


okay wait ah let me find yes who is the highest, I know you don't know like which our STI or local context


so currently the highest wait ah the capitalisation in the respective market would be DBS groups holding they have fifteen point thirty five percentage for the finance sector and to my surprise our competitor


overseas chinese banking corporation limited which is OCBC twelve point nine four percentage as for second february twenty twenty ya, (mmhmm), UOB yes


lemme , it's eleven point it's eleven point one seven , (mmhmm) (mmhmm) but uh


yeah as usual like what you know, high high risk loan because uh no choice lah because one thing you know our parents actually hit the age mark above fifty five by the time we join university especially in my case you know I'm the last kid of the family my folks had me late


remember I was the last kid then I had to go army at about the time I come out doomsday ya so the loan is what DBS bank loan and you need one, guarantor ya guarantor but, COVID nineteen ease all our trouble because uh they say they won't ya


(mmhmm), but it's so it's so disturbing you know whenever we open our our uh digi bank app you know our POSB digi bank app you know the loan amount just pop up


ya and our bank balance is so is much more lower than that you know,


so anyway are you like planning now to invest in the market,


ya and to be very honest uh all these investment before you see any real gain ah you actually you actually many people say that short term investment I actually don't believe in that I believe a long term investment, then only can bring back you money that you can afford to set aside what do you think about that


, (mmhmm), (mmhmm) yup (mmhmm)


(mmhmm), but what I personally feel like this hundred dollars are all are temptation to actually liquidate our individual investment


maybe I'm not sure actually, yyp yeah exactly we both are , because ah gold is something which we we actually we we can't be


we can't feel insecure one thing and ah we know that the the gold is there and we know how many pounds is it, and there uh we know how many sovereign is it worth and then I got high value exchange when the gold value goes up it's time to trade in


, exactly (mmhmm)


that's why they say it's the best time to trade in your old gold and get a new gold ya but I find that new gold is not heavy lah the weight the weight is not, pleasing me how bout you individual ah


(mm)


alright negative experience


part three negative experience


worst travel experience, ah, our worst was let me think think think think, I'm so sick and tired of malaysia actually uh


oh ya I think it will be a temple tour to a a part of malaysia, oh god that was I don't know what to say is it a traumatic incident, or tour or temple tour or


I just don't know , I have seen about uh tribal group their cult practice, their, their kind of worship a bit more different I don't know whether to define and put in the category of tantric worship or


whatever is it I respect all tribal group or any other religion you know about me I'm I'm I never criticise or question, if I don't like, I will just won't be present in that kind of practices this temple tour people just told us oh it's just going to be a a three days two night to malaysia this temple tour pacific I don't wish to mention which part of malaysia and


what kind of event it was during our holy month for the indians it were fall during the july to august period , so you know about me I just wanted a break so uh and my uncle said there's a empty seats in the bus because he takes the tour so when I went there


things just just just there, ah you know how traumatic was it for me because I'm a basically I'm actually , animal activists by nature I, I and my all time ambition I think , yes that everyone ask me distinctly I said I have only one ambition since I was young I just remember even my mum the vet doctor first then after


veterinarian when I know the proper name, because uh this practice in this temple tour was actually sacrificing a, goats and all yup, and they do it


right in front of you , oh okay let's not ya, you you know about it right you know the traumatic experience I had , for them is norm and to many others it's okay


, older generation actually wants this event to happen annually they don't want to put a stop for good I mean uh for good means instead of doing so many goats uh sacrifice sacrificing so many goats


they can limit to one because one thing they are making money out of so many in the name of donation to god, okay let me uh because ah, like what you told you because I thought I teach you things god didn't ask you to do so much in the name of money-making so I find that is what the old generations is actually stuck with


and a new generation dilemma is they don't want to even do one goat also because they they they don't find the need actually, first of all yes, I know maintaining a temple is one thing they need the profit because they all uh ya they don't want to stop a practice which they have been doing like hundred over years that's what they shared


, so what do you what do you find, uh how how what about you take, like this kind of practices and, the younger and older generation conflicting


(mmhmm) (mmhmm) you should know


okay I got very low tolerance for, people who tend to lie and not to draft their their plot properly because uh for me, every single word every single eye movement every single body gesture


I'll be telling you !aiya! the person just lying and then if they are last time I right smack on the face you know I'll just give it shut up like you know sorry I mean I mean sorry to use that word I mean it might sound a bit offensive but then I used to be like that but


but after years pass I don't see one I see many it's like their daily uh lifestyle I mean eye opener was during army to be very honest, they I think they do it in their daily basis man and what annoys you actually the most


I don't find ya what is the need, ya, ya maintaining that lie is difficult you know maintaining a


so linking back to your both your both your stance which annoys you can you actually recall an incident like, I wouldn't say best friend okay best friend or anyone who backstab you and how do you actually felt about it like you


ya because I know you are a person who don't share things very openly even to me so maybe you'd this is a good opportunity yup like backstab is it and you caught them lying actually lah basically, (mmhmm)


any pacific incident ya


but <P2>devi</P2> do you find this is actually your greatest fear already because a lot of take what even a normal person is going to talk to you you're having so much running into you, I think you are I think it’s not okay I wouldn't say fear I don't know how to put this maybe it it might be healthy for


some relationship, it might be actually your own fallback in some relationship, yup


oh ya coming to judgemental person many people think I am actually very judgmental but to be, very honest you know about me actually I'm the one who don't judge anyone maybe maybe the extrovert person lah ah they their


, (mmhmm) (mmhmm)


any embarrassing moment, like they put you like that like which you made you made a spectacle out of yourself if you remember vividly, (mmhmm), you not willing to share okay never mind never mind


I think this is a stand I think we both have to agree this is the major injustice ever we could, preach around the world ya ya


ya and another hand I have this feel , the indian community in whole the mental health and mental wellness the stigma


what do you find I just find they are not, open to the topic like , I could share to you we might be family oriented but it takes us a whole guts to actually open up


to our family member even one of them, because uh it's not that because we are rooted in our family brought up with such so uh such, yup


so I just feel there's still, so much for us to digest and in this moment a party will start coming, ostracising us in a situation or maybe I wouldn't say ostracise maybe let me use the word label they start labelling you names which you actually don't fit and you don't wish to be associated like what you said


they are the liar they are the plot creator they are the director producer of that whole production but the label they put you through the whole process I tell you, oh god it just looks like we feel I felt we feel you feel I feel we feel ostracised the word label


I think it's an toxic trait you know it's a negative trait,


they just pushing their their, yes


but but the the label they give you is daily until you make and you question you start questioning yourself oh god I think I'm really that I'm suiting the label,


then you would you will actually get , exactly


there's a big time toll to our mental wellness lah, the the insecurity is just going up lah to be very honest lah, I think


I find this is the thing is now being the biggest annoyance to me what do you think, is actually is pushing a individual actually social media is actually I wouldn't say it's a positive trait already no longer no longer used for marketing


(mmhmm)


I used to be like that during my poly days I need to get likes remember, but I think we both are done with this likes and all but now people are using uh


yup


so the media marketing media marketing basically media marketing


exactly and another thing I can't


what I feel people shouldn't do is , posting a long post and their picture of a emotic like uh in a dark you know they will take in a dark space or like their make up is like so bad and then they will write long chunk of post over how they heal their depression you know what I find I find this is pushing


a emotionally affected person to perform suicide happily what do you think, there's, ya because the person is very depressed and they open social media because you are a maybe a actor actress and then you are posting these kind of things and I think you are there motivating them to perform suicide what do you feel about that


I think it's overwhelming, too much ah


intervene that was a very good takeaway, yep yep yep (mmhmm)


positive experience


, ya I know how sugar rush you get over chocolates yeah been seeing you for the longest, (mmhmm) (mmhmm)


me you don't know meh so what uh what what what is it oh, from my mum or looking at people and always commenting , whoever walked past me whatever walk


yup, [orh] yeah my little nephew, thank you


yeah , !aww! that's a compliment big words from you big words from you !woo!


thank you so much <P2>devi</P2> that, oh my god that's a lot that's a that's big sacrifices you know how much I ,


yeah I'm actually I'm really living my childhood days so some cartoons which I like he stares blank and he gets scared so they put sesame street and he he gets so scared of over cookie monster and elmo


I just don't know what I just love both of them, he, okay because he's about one year and don't know how many months now now is september so he turned one in january this year so I find blue is my favorite okay sesame street wasn't a scary thing for us for our childhood either that oh that's cartoon


ah barney ya last time you know kids like after we grow up !ee! barney scary oh possess you know that kind of thing so I oh he loves teletubbies I hate teletubbies and when they shows that and he really like dipsy la you know the last part when they wave ya


, I think now the current craze is actually I'm following with him his paw patrol, ah then, oh I don't know what is that also but I know paw patrol is because uh one one male character he is the police like that and all his others are actually dogs bad dogs


who can talk and all ya, and you know he's somehow he got some uh he likes dogs also like me somehow, or no why not you want to share your dog uh your dog experience you brought it back home


, yeah, what's his name I've forgotten you named him something right oh whiskey ya I was remember what a name whiskey


(mmhmm), alright so let's tell the world one of the three things we both have in common


, actually wrong no we are being best friend I made her loud ya, (mmhmm)


yup, you no you became a different intense level of extrovert I think so I exposed to you many weird things ya, (mmhmm)


ya we are over forgiving , ya yup


I think another asset many people don't know actually we are purely intelligent ya both of us we are many many people think we are stupid ya, , ya


oh yup , , ya we get judged on that many times ya I do agree


because that is our favourite activity because we go dancing so we like that club ambience because of the music and the dance move the DJ but many people thinks we are like some havoc kids you know like kind of


ya you know about me me and partying is like once in a blue moon , [orh] the what that time we you laugh too hard or we both laughed too hard I was in a lecture theatre


, ah ya it's both our assets ya we both can cook, ya volunteering yes we both actually we evoke both each other like we in a sense like we have actually a lot of common interest and a lot of common debating uh topics to talk about world affairs current affairs


uh yes and we both genuinely have the gesture to volunteer it's not something which we both are forced to do, or forced to exemplify or to display, and uh the caring nature we both uphold


ah and also coming along with integrity this one many best friends actually end up in a mess or in a they they that's end off their friendship in a very toxic manner lah, (mmhmm)


ya because you should know my constraints and restraints yup ah because uh many people don't know I'm actually from a very very orthodox family oriented background where mothers queen rule queen rule my mum, I


okay I'm, my race is indian I'm a singaporean and many people ask me one question have you visited india and you also know the answer not even I have not stepped, that is


ya my dream was actually this year, I actually always wanted to go #tamil nadu#, uh which is the south india, yup so, you should know a lot of the temple history


india is very rich in their culture their divine uh how they portray their devotion to god especially the lord shiva, lord vishnu and I wanted to ya being also from a very history background me I wanted to explore lah like what you are doing now


, oh yeah tell me about it you tried you been to india a couple of times right,


(mmhmm), actually many people think I'm actually a Briyani person actually you should know I'm not really a fair ya oh


eh you my best friend is it do you know I do I do I like mutton or do I eat mutton , I can't you know something happened with me and mutton,


okay and make sure you're beside me lah so if I vomit you are gonna witness that lah , ,


india because you know I have covered uh or a country I wish I want to go back again would be sri lanka you know, yeah you know I was there for about two and a half weeks I've covered a lot of , parts of


ya but except for one part which the on top Jaffna area because they just ended the war and they were peacemaking , ya you should go sri lanka remember I keep telling you, (mmhmm)


oh golden triangle, oh we've we've been to before we we've been to ya we went to Mekong river during our vietnam trip right


oh yeah but a high risk right not high risk for you ah you're being a female, (mmhmm)


ya you you are someone who I know went a lot of trips solo you don't have a you don't have yes I know you have family restriction but not as uh restricted as mine ,


(mmhmm), alright remember our proudest moment where you were our valedictorian of our diploma cohort, you clinch you clinch the top ten in our whole cohort where with a one hundred fifty student I think that was our proudest moment where you represented the indian community our minority to be the top


ya so how do you felt I know your receive many awards you were in the director list I know you are the you are the most humble person most of the time I'll be singing your praises and you'll be like stop, stop yup


no I mean I I'm always proud of you but you are a person which uh something which I wanna learn actually from you is being so humble and really you're just at the finest at this kind of moments you never ever bragged once or


even utter a word that you are like that like that most of the time I'd be the one eh you know who is she or not you know how what is she or not yup, ya because at times I feel people take advantage of you I think maybe you wanna share about them yup


(mmhmm) okay


so did people come after you after your credential like after you became famous, uh kay okay okay


but do you feel actually your hard work is actually uh, pre-shaded in a society context or in a community context, (mmhmm)


(mmhmm)


alright that's a good takeaway man after so long we are talking about all this so do you remember the moment where you told me oh my god I got selected to year two direct you got the direct admission to NTU


ya but I couldn't sing much because I was gonna enlist at the next moment yeah, oh my god yeah


ya it's not easy, it's just (mmhmm) yep it's not easy ya


!aww! , ya because I applied because of you , !aww!


ya anyway I can't wait to hear your doctorate behind your name I can't sing that, you are a person full with different major science major engineering major and now totally arts major


can't help it ya ah


ya, !aww! okay thank you,


ah, oh that's great so actually what was the grading actually you haven't shared to me


I do agree the main reason is you should know why uh customs and traditions are actually what a day happening to them they actually getting lost because of pandemic because of work crisis people are chasing after many things where this is the primary route


a pandemic will happen you should know sorry to cut you pandemic might happen but it's just for a short time frame we need to be in acceptance to that and also not letting go of our roots which is uh holding a long long long long worth of tradition years ya


yeah,


because it was very difficult for me to uh talk uh religious things to you initially because uh you will just shut ya, so it took me time actually took me time if you notice from poly days to now at least now I could explain very detailedly because


, ya because word of mouth or hearing from elders it won't give you a concrete hundred percent believe for you to accept it so nowadays youngsters ah it's very hard to please like you you are a person it was very hard to please for me so I made it means I should give some tap on my shoulder lah


, good job hope you ace your presentation I think you will be acing it lah, oh god I'm kinda like uh hungry when you are saying about our I'm going to miss all the you know our big spread of


fiesta we are gonna have, we're gonna miss two type of serve, ya ya


best meal uh chicken nugget hotdog , , uh you know that's my meal ya, ya oh my god the one dollar #nasi lemak# I remember with two drumlets


eh okay sorry ya that is, my I'm a junk you know about me I really eat junk food yeah, oh god


[oh] my god I can't take it [lah]


part one finance


okay , hi, I do I do uh, so okay like what which are the banks that you are using so far


okay (uh huh)


(mmhmm), I remember that yes yes I remember that, ya, kinda looks ugly though , I prefer ah my our times


, yes yes true true I agree with that as well , (mmhmm)


oh yes they also had I think uh like I think the deposit as a bonus as well if I'm not wrong ya, ya true


(uh huh), oh so difficult I think they have kinda demolished all of that as well it's very difficult to find I think the nearest for me is in AMK hub, uh but of course there's a fee for that ya and I because AMK went under like a renovation and everything so not sure where is it I think it's in the level three but ya usually it's coin deposit but I think also because like most of us don't use like cash anymore


most of us are just going through cards and everything so it's kind of, difficult or very not necessary in that sense to have a coin deposit ya so that's why I guess


, , I think uh okay I think the one that they they giving now is twelve right if I'm twelve or sixteen, oh but you can get with your parents if you wanna get a joint account so you have a ATM card but you can't do transactions with it if I'm not wrong ya


true ya, yes exactly


true true true I think I think so but I think uh a good age will be sixteen I think because they get their IC, so they also get a you know the card so I think it kind of gives them that that that leeway in that sense to have, you know like a card and everything but uh also because I think sixteen is a good age to have the literarily you know uh decisions like they can make a sound decision in that sense so I think sixteen is good what do you think


yes yes agree agree, yes I think they have enough on their plate like seriously they already have like


iphone that is like so you know so savvy and everything so I think one at time lah no need to go all out ya ya, (mmhmm)


ya I think it's important because you know like singapore it's like so , [orh], ah it's OCBC we save it under OCBC uh so I my primary account it's uh it's uh DBS POSB account uh, but I prefer to save it in OCBC because uh


I guess like me , , uh it's same it's same but I'm because it's a joint account so you know we have a , like it's it's linked up to your primary account ya but uh what


I do is that actually I got my ya OCBC has like cashback and everything and if you realise I think if you go to like mcdonald's you get a cashback as well , and since most of us we do go to mcdonald's quite a bit so it's easy to to to to do that as well like it's kinda good lah in that sense I think it's about zero point four if I'm not wrong


!hey! I'm young okay what you mean what do you mean young couple , , I think it's important ya to save because I think in, singapore like it's very difficult in that sense so uh


uh it it it also gives you that that fallback in case if something happens like you know like COVID and stuff like that so unpredictable so at least you have this you know you have saved up for the rainy days in that sense so it's kinda good lah I think honestly to save


ya so I, like the fact that because I think POSB is like everywhere ATM is like everywhere because it's our primary bank right it's our local bank so it's all over the place so it makes it easier for you to just draw the money whenever you need so you kind of start to spend more so I think if you have a bank that is not like


uh so you know available everywhere the ATM is not available everywhere then it makes it easier for you to save, so I to me I feel that , you know your savings bank should be something that is not, so uh uh you know readily available lah yup what do you think


(mmhmm)


yes that's what I have that's what I have ya, ya I, I uh oh I forgot to tell you this I just went and applied for maybank yesterday so I got my card sorry it's uh it's zero point one eight seven five but it's monthly


it's monthly it's ya so it's so it's actually kinda good it's a savings account but I, like the fact that uh you know the maintenance daily maintenance is just five hundred compared to OCBC OCBC is like thousand , ya correct


the daily uh maintenance fee the fallback fee lah basically so that is about I think two dollars for local banks , ah no maybank no it depends on the card that you apply for so I applied for the one


exactly why so if you, it it's kind of interesting because right maybank allows you to draw money from uh so they have this thing called ATM five, so it's not the plus liner thing it's actually ATM five but of course you can uh withdraw money uh everywhere else as well and and you know around the world but uh the ATM five so they have partnered up with uh


uh foreign banks because you know maybank itself is a foreign bank right so they have partnered up with the standard chartered uh SBI which is I think state bank of india , HSBC and stuff like that so it's the ATM five so you can draw money out of all these different five banks but the interesting part of course is the fact that the ATMs are not readily available everywhere so I like that part because


yes exactly I like that because then it makes me feel like okay I I don't I don't have to draw that much so that bank is like you know that account is like completely just savings like you know you just save it like for you know whatever you want to save for so I I like the and I kinda like the (hmm)


(mmhmm), , , (mmhmm)


(mmhmm) , (mmhmm) I think


I think it's really on stocks for that if I'm not wrong if I if I if I'm correctly saying this I feel that because the foreign market is much more uh volatile compared to our local ones because and I I think that's where the whole you know the low interest, comes in because they can afford to give you that much you know they can it's fine because it's locals so the SGX is more stable


but in terms of like foreign it is always because it's a the global network so it's always like you know like a dependent on other stuff so I think that's the thing and also if realised fixed deposit for local banks they start off uh the plans is usually, uh seven or ten years


but for foreign banks they start off with like twelve, ya twelve like for uh I just saw maybank's one it was twelve years so it's but, of course the returns uh uh, you know like a bit higher I would say in a sense because you you only have to like contribute for like seven years and then the rest the five years you don't have to


ya but for foreign uh that's for foreign banks for local banks I doubt so I don't think that is the case I think it's uh maybe eight years or something but they have like bonuses in between I think that's a savings plus account if I'm not wrong


, , (mmhmm),


(mmhmm), (mmhmm) , (mmhmm) (mmhmm)


(uh huh) oh ya you like to do that kind of stuff why don't you tell us , (mmhmm)


(mmhmm) (mmhmm), (mmhmm) yeah (mmhmm) (mmhmm)


(mmhmm) (mmhmm) (mmhmm)


I mean I kind of expected that because you know being in the G twenty and everything of course you know US and china is, but they haven't been so badly hit as opposed to US so I think, that , kinda would have help them lah in that sense because the economy a bit more stable so yup


yes you have been throwing all the questions to me do you realise that by any chance , , !hey! , , , (uh huh), I have no idea why don't you tell me


, trade index is it straits time index ya, okay, okay something fun exchange trade fund,


yes yes yes okay but I think I think investing in gold is good, like I, I like to do that most indians like to do that , , (uh huh) what happened is it


gold I guess I don't know , I have no idea I haven't been able to keep up with that tell me tell me what's up


(mmhmm), ah okay, (uh huh) that's nice I mean okay expected, (mmhmm)


(mmhmm) (uh huh), !wah! nice you know honestly I thought, UOB is not bad as well UOB as is good


and it it's good for I think if I'm not wrong , I think businessman businessman prefer to do that and because OCBC has partnered up with UOB so you can draw money out from ATMs and stuff like that as well they have partnered up together and and I'm I'm not wrong I think maybank has good uh


good deals for online purchases stuff which is kind of good now because most people you you know they're doing online purchases so it's kind of worth it yeah, , okay have you ever taken any loans before, !huh! study loan


(uh huh), ya ya ya for me wasn't that bad yeah, wasn't that bad yeah


uh, ya, study loan lah study loan I guess ya, , yes you don't have to pay that thing right under twenty twenty one so I think that's kinda good I guess in that sense


kinda helped out ya , ah, that I know I saw it saw like you know it's like a knife hanging on top of it


, oh no let's not even go there please , such a depressing moment every time you see the thing is like oh my it's like five digits you know like shit, yes uh


my god okay (mmhmm), you know I've been wanting to look I I every time I go to DBS to to you know draw right there is this investment thing I'm not sure if you realised it there's no and I think it's part of uh nikko AM and uh that's for the bonds I think and then there's that the SGX which is the microchips


and it's it's the investments is like hundred dollars per month you know and I think that's kind of cool because it's like, I've always wanted to like kind of like get into this investment thing but I never been able to do it because you know investing you need quite a bit of money so I mean I always do the gold part


ah correct, (mmhmm),


I think that is uh, uh the savings plans if you realise most of the health uh insurance uh, uh and most of that you know that AXA and stuff like that that's the kind of plan that they have like minimum ten year twelve year kind of a plan that is what I think you are talking about but I'm talking about the ones that is the you know the banks that are offering that is the investment part


the the the shares just have to invest like hundred dollars but I'm not sure if it's like you know I mean of course they are very little amount lah like hundred dollars is like I don't think you will see that much of return but uh, uh you know I think it's a good thing to like kick start, you know like lets you like kinda have the feel of investing and stuff like that so kind of


feel it's kinda cool , I I'm not sure I mean I, I I haven't tried the only investment I've ever done is like to get gold


that's it and I think, most indians do that so you know, so I I think that's the only thing that I've done so far but I haven't done this kind of stuff , yes true true true ya


yes , you know now now is such a good time to do that because now the pricing is like, uh eighty one I just went yesterday to see it you know it was eighty one fifty


ya so when when when I bought I remember it was just I have bought it at the lowest was like forty nine, that's like half you know ya so now is a very good time to like, yes, true new one ya ya, ya because the GST will always be there


no, I think it really depends on the shop you know the the the store ya where you go and get it from I think that's that's pretty okay I like cause I just got got one yesterday it was okay you know honestly I kind of liked it it was kind of unique but the pricing was oh my god


let's not even get to the price, (ppo) (ppo) yup


negative experience, okay , since you know uh you know I like to travel, uh maybe you can tell me you know what is your worst travel experience


, since you don't like to travel that much ya, that is like a worst like you know your travel ever


I, oh I remember that yes yes yes I remember that


(mmhmm) (mmhmm) yeah (mmhmm) (mmhmm)


, ya ya ya that was


ya you wanted to be a vet remember, ya (mmhmm)


lambs and stuff I get it I get it ya, ya ya ya I I remember I I have I think I've went to ya ya


yes yes , , you know you know just just to to to link from there like so what what would you think it's your like what do you dislike about like younger or the older generation, like you know talking about (mmhmm)


(mmhmm), (mmhmm) (mmhmm) (mmhmm)


ya ya I get it, (mmhmm)


(mmhmm), (mmhmm) (mmhmm) I get it ya, (mmhmm) (mmhmm) I get it


ya so talking about like, ya in terms of, I'm not sure about practices honestly because I think uh like a lot of times there has been a conflict like in terms of how we just view the world itself like in terms of the generation because because given the fact that we are from different generations but I think uh the nineties kids they have this problem because


you know we were the we were born in the brink of like, or rather the link between the eighties or the the this the fifties and sixties and seventies and then with the two thousands you know so we are right smack in the middle so I feel like this is uh you know we we we have this problem of


peer pressure and we are constantly pressurised with a lot more things like we have to please this side we also have to understand the other side you know, so I, I really wouldn't I I wouldn't want to comment on it honestly because it's kind of difficult very subjective to individuals I guess


but , you know talking about that uh what is your biggest pet peeve like what what annoys you the most, you gotta tell that, like it's not like I should know


(mmhmm) ya I mean I mean I I, I I feel for me as well I feel that you know uh pet


peeves lying I I can't, can't stand people who lie like I really cannot because I feel like it's, I don't find the need because if you lie once you have to keep up that lie and you have to lie constantly you know what I mean and it's very frustrating when people do that it's difficult we


rather just come out clean and say that !hey! I did these and and this is this is the problem and that's it you know because I'm sure you would have a reason for it for doing something, and and for you to act in a certain way so you might as well just you know say that and I also cannot stand people who say something and they cannot keep up to it it frustrates me to the max like I just cannot handle people like it let's say they say like oh you know we're gonna do this


and then they don't end up doing it's like oh my god like why do you say things that you can't do you know it really frustrates me to the max so so lying and and and and you know not keeping up with their words that really frustrates me


, ya I think backstab, uh, !wow! no I, I always catch people when they lie like it's so obvious I don't know why but I just catch it so I I


I just kind of get very hurt by it, specific incident !wow! I I cannot think anything off hand like just on top of my head nothing is popping up right now ,


no I really can't think of anything but honestly I feel that like most of the times when people backstab or when they lie and stuff like that I'm just like in in my head I have a lot of questions running because I feel like why are you lying to me why are you doing this why are you doing it you know that kind of stuff so but after some time I realised that


okay they have their own reasons and okay let it be if they want to come and tell me the reasons I would take it but it really depends on how I like it's it's really case by case basis like if I, ya and I think I it's


not like


ya I agree because I tend to overthink sometimes because because of you know like when people like backstab or, people lie uh like for me the minute you lie to me once I am very cautious, like I don't tend to share with you things I don't tend to tell you things and stuff like that so and I'm very particular about that because I feel like if you because uh because I'm not a judgmental person


and I can take anything that you come and tell me but just don't lie to me I'm very particular on that, so , ya, I I


I think so I think so it's really how we portray ourselves like people think I'm also very judgmental but I'm like, I I don't judge you at all you know like I'm I'm fine with whatever you you are as a person but just don't uh you know , for me one thing that I really feel that people should not be doing is to put someone


else in a very difficult uh situation I really feel that that really angers me not just for myself or for anyone I feel that if you are, you are so selfish to the point where you do not realise that you're putting someone, else in difficult situation then I think


embarrassing I do, I do I do I I have one but uh, but, I, ya it's it's not something that I wanna talk about but ya but


of course there is you know like I I I it and and and I think it really uh makes you question your identity uh you really start to start a lot about yourself you like, why am I making a spectacle out of that and and you will go to great lengths to prove yourself even though you don't have to you know like you you are fine not proving it because you don't have to prove yourself to anyone but you you are stuck in situation where you feel like you have to


you know just just to to to kind of, to make yourself, feel better in that sense, yes I that's what I ya, I I really I really think you know there's there's no uh you know like uh


you you'd rather, like kill the person off you know that kind of thing in the sense like physically because when you keep hurting someone or like something I think emotional well being I think is very important, given the fact that you know we are all social beings, I think people have to understand that everyone is reliant on everyone else


uh consciously or unconsciously, so when you cannot help someone don't screw them up that's the most important thing I think people have to realise that it's okay if you can't help someone that's fine no one is asking you to go all out of your way to help someone but just don't put someone in a difficult position I think I think that's very


important like try not to to to to be bad to someone lah that that's the most important thing ya, (mmhmm)


(mmhmm) (mmhmm), (mmhmm)


(mmhmm), (mmhmm) everything everything possible


I think labelling is is it's a very


it's a very bad thing to do ya it is a very idiot exactly it's a very toxic thing to do actually I kind of agree with you on that sense because , when you start to label people it gives it you know people start to like okay let's say I label you of something you know you will start to you will start to believe that as your identity like it okay you like your name is so and so right your name is <P2>viknesh</P2> right that is your identity like and if someone


ask you who are you the first thing you will say is my name is <P2>viknesh</P2> you know but, when you someone starts to label you you start to, buy that so that becomes your name in your in in you know in the cognitive process people start to believe that is your name and and, you tend to associate yourself with the traits of a such a label which is very toxic actually because you are not that person you know you're not but people will but you will end up doing it


true, yes yes and it and it will start to attribute yourself to those traits, so you will start to do things that will will will like for example you know you might not even be depressed


you might not even be depressed but because people think that you are depressed oh you're depressed ah you are depressed ah you know that kind of thing you start to do things that actually will be depressive because you want to you want to feel that way you want to feel you want to fill in the gaps of that identity


you know so it it's very , I I think to label someone uh, and and that and sometimes the labellings might be, you know like it will put you in a group like there are other people who feel that way and then they are also that or it might make you feel like alienated like you are not in part of any groups you know


so I I think it's very , it's it's it's a pendulum lah honestly it's a real pendulum out there which is and and given a time like this especially like the pandemic and everything you know people are already having a lot more issues to deal with I don't think you actually need to deal with this kind of toxic things at all


ya so I I don't think, ya which which I really feel that it's a bit unnecessary lah honestly if you ask me because like what I said just now if you can't say something good don't say anything you know you can just keep quiet no one needs you to talk about anything you know and


and I think that also kind of shows up on social media where people are starting to like you know like ah hashtag this you know or if you can't say good things don't say you know that kind of stuff which and it shows that if there's a lot of people doing that that means there is a that avenue for you to kind of just look into that


I I I at like I, like what I said you know the nineties kids uh we we are really stuck in a in a worst times ever possible


yes I feel I really feel like now social media is becoming very negative because uh you know people start to like you you you are in like this, competition oh my photo needs to look better than yours I need to get more likes than you I need to have more followers than you and


and and I, I don't understand what people like I don't used to be like that you know okay maybe not like I need to get more likes and everything but you know yes, I I I used to think that oh why am I not getting any likes in this picture so I will archive it I will not let it be on my on my profile I will archive the the picture


you know last time and, and sometimes even now I do that if uh like without me realising and then I'm like eh no I like the picture I'm posting it for my myself so I'll just post it doesn't matter who likes it you know I'm sure there is at least five people liking it so and that's good enough but people don't realise it's the algorithm you know like if you if you like


other people's post more and then, and it will your picture will show up in their profile in their feed, so then you can you know, yes and for me I don't I don't end up liking anyone's pictures sometimes because to me I don't even I'm like I'm I'm just posting things for myself you know so I don't realise that the pictures are there or half the times is like all those like you know actor and actresses kind of the the celebrities kind of a thing so


they're not going to like my picture back you know so that everything is completely skewed in that sense if you realise but it is kind of funny because that, that kind of, uh you know like uh makes you realise that, there's how much dependent we are on other people's opinions for us


you know like we we we are seeking approval from people that if you don't even know you know and that is actually draining which is which is kind of, I don't know it's it's a at for me honestly that is the biggest fear like I feel like I don't understand where our society and our community is going really like I do not understand where our world is going because


, ah


okay I get I get where you coming at I, I don't know I feel like it's it's a bit over overly talked about ya I think it's overly talked about so I don't want to talk about it because I feel like everyone is trying to talk about it so I feel like it's just too much for for it's it's ya it's overwhelming ya I agree on that it is like it's unnecessary lah I feel like you don't have to talk about it actually


because people already know they're doing things you know so we don't have to be a constantly poking at it and telling oh you need to do this you need to do that that kinda thing like no I I think it's fine like you can intervene yes but I think it has to be in a moderate levels like when it necessary, ya yup so yes twenty


, positive experience,


okay, why, , why do you have to do that , oh my god no so embarrassing okay


okay what are the small things that makes you smile, tell the world tell the world they want you to tell it from your mouth , yes


, ya, I know that but I think I, think lately I think lately what has made you smile is mama, Sayang I really think so yes


I I think I think he has made you smile so much and , he is he has been a very uh positive, influence to you I I realise that because I think you always want to like go back home now you know just to spend time, and and and and I I, think you became more you know


more matured in that sense , you know ya, I, I really I really I , , I really think that is that is very nice honestly like he has had a very good influence on you yes and and I think you have made a lot of sacrifice as well for that


no ya , yes yes ya but okay what are the shows that you watch with him did you watch any TV shows with him, oh okay (uh huh)


why, that's because it's it's huge is it I think so, , (mmhmm) ya ya ya


(mmhmm), I love barney though , (uh huh), ya ya ya oh teletubbies do you remember teletubbies was like possessed as well


, lala po , I love it right right, oh okay it's like


oh, okay nice nice, nice okay I I've never heard of


eh I think I think everyone loves dogs you know like except for my mum somewhat she's just like you know overreacting, oh I love, oh my god don't don't even get me started on it you know seriously I mean it was so cute it's like a baby and then my mum was scared of like that like why why scared of that but oh well


ah okay but ya so it that's what he watch okay, whiskey whiskey he was so cute I tell you like he will only listen to me like you know he was, such a cute thing seriously but I had to give it away because of my mum thanks yup


oh we are loud people we are, loud , , actually you know honestly I was I was uh


an extrovert and then after that , in secondary school I became introverted which is so funny and then and then poly I became like two times extroverted thanks to you yes thanks to you that's why I am saying yes yes yes I know I think that was kinda cool yeah that and


I think we are you know it no matter what loud people we are I think we are also very nice to people in the sense like we are very forgiving, of people ya, ya yes like some mother theresa


you know we are very forgiving ya that's one thing, , I think I think everyone knows that no no no no I I, that I disagree with you everyone knows that we are intelligent that ya but I


think most people don't know that we are, family oriented because you know, people think that you are party freaks uh people don't know that you are family oriented ya that I think ya most people not know, ya we know people think uh we are very party kind of people which we do have


parties and everything which you know we enjoy ya like, uh maybe we and we rarely do it come on so it's it's really okay ya it's


ya I mean that's that's what weird but I think you know we're family oriented and uh what is the other thing that you wanted to talk about uh or it just slipped my mind okay , oh we we do oh my god and the love for food we can cook that's one thing ya I think we have to you know mention that we think we can really cook and volunteering as well ya a lot of things in common I just realise explains why we are


ya, yes yes yes I think that that's kind of cool


(mmhmm) (mmhmm)


(mmhmm), yes but, I think one thing that we don't have in common is travelling


yes, ya, , okay but if given a choice where would you like to travel where is one place that you like to visit


, , a but


where in india when in india, (mmhmm), ah that's beautiful you know I love Chennai yes yes I agree, (hmm)


ya ya true, ya it's very nice and and the food, (mmhmm)


oh god , and the food there is amazing it's like oh so good, I, went actually twice to india but I I love the food like and it was it was kind of historic because I went like when I was like fifteen and then I went again when I was twenty five so it's like you know uh ten years gap but the food was still amazing and uh


uh if you if you ever go you should try the, so good like oh my god, it's amazing you should try that that is very nice, no no no it is not for the Biryani it's for the mutton it's not for the Biryani like the the Biryani was okay


I know you don't, no but no but you should try it because the black pepper is so good really really really just for the sauce I know, I know I know but just for the sauce don't eat the meat just eat the sauce I mean just take the sauce and and put it in the rice and stuff like that it is so good seriously


I'm telling you really I will stuff it back , that's why , okay so india okay any other places or just india,


sri lanka oh ya I remember you had a lot of good, experiences there (mmhmm), I think you, covered the whole sri lanka right Jaffna, right Jaffna ya ya ya


(mmhmm) ya that's nice that's nice yeah, uh but thanks to COVID we have not been able to travel anywhere I'm waiting to go uh, hopefully next year if they open up really I wanting to go to the golden triangle you know the ya the one that is at Mekong river really want to travel there I almost stepped into it like


we've been to Mekong river before ya ya ya ya but I, I wanted to uh go into the myanmar and the and the the other side of it yeah because I was in uh #chiang rai# remember last year exactly last year


no it was really fun I, you know my friends will kinda uh I mean my colleagues they kind of shocked that I travelling there alone like to #chiang mai# and #chiang rai# and then they were like you sure you want to go there alone I'm like ya why not so I took a solo trip like exactly last year remember last year, !huh! I was there ya so and it was really beautiful I had a lot of fun that like solo trip but there are a lot of like temples monuments and stuff like that so it's really kind of cool and you know me you you know I like to travel alone so


ya , no honestly, I think I think they kind of gave up on me on that part they are like okay you know you're going to travel so just go and enjoy yourself and just come back safe that’s it that's the most important thing so ya


that sounds kind of cool ya so , no why , yes yes thank you


, , I was going to do the same thing now also


oh but ya,


ya I don't know why you do that , what , (ppc) no I don't I don't see why you know I, I really feel that people should


like me and be my friend for who I am as a person you know and not for my credentials or my accolades I don't I don't believe in that so because then I wouldn't know if they're being truthfully like you know as my friend like for you and you know your friends like


even before I became all of that so I know you are my true friend you know like so I, I would rather have that, kind of friends you know like it it's like it's always like quality over quantity kind of thing, so ya, oh yes let's not even get into that please it's too many but but yeah I think I think it it it's okay uh fine but I think it's always important to to keep ground like you know to not uh


to not you know overstep or anything like that because you know these kind of things are very you know you don't know when they are there when they are not there so you shouldn't,


you know quite surprisingly I would think that based on whatever I've done so far I feel that ya it is been because you know uh people recognise that and everything and people know that ya I'm this kind of person and you know I have this many credentials behind my name so people realise that so


but I don't want it to be the kind of thing where people don't want to approach me because they're scared you know they they feel like oh she's too smart and stuff like that you know that kind of thing I don't want that which is why I don't, you know mention it anywhere I I prefer to be a bit more on the ground kind of thing like one a in one in one kind of stuff so yeah I I I ya so I wouldn't say it like you know appreciate yes but it also comes with it's banes lah I would say


yup it's been years honestly


ya ya ya ya ya, , , you know I think I think you you uh for, me I think your my proudest moment for you would have been the fact that you have put through so much you know from for SIT


and everything it's not easy really you know people think SIT is like easy and and and everything, oh poly students go there and stuff but, honestly SIT is is very very tough most people don't know that so I'm really, proud that you have pulled through so lot and and in a very difficult course this chemical engineering is not easy guys no it's no joke like I am really proud of you in that sense like for for listening to me for that for actually going through that time


yes I'm I'm so proud of you for for pulling through and I'm I'm really hoping to see you an engineer soon really really I'm really praying yes yes so I can't, I can't wait for that and and I'm very proud , oh that's like uh that's another four more years hold on give it up


(ppc) , , I know , I think you know I think that's because I'm a sagittarius can't help it , , yes I really think so, god (ppc) but yes I I really think that that part and I also like the fact that you know


and I'll and everything the poor thing I think it's, amazing how you're so pious in that sense and very knowledgeable like you don't just you know follow traditions just like that that's one thing I really admire about you know like I swear I really admire that because because it's like it's and


and also helps because especially now that I'm doing my major you know and I'm doing a course on religion and everything I realised that you know uh a lot of things is very interlinked, and not just about like you know uh like oh we know and we have these traditions and that and I was I must


thank you on this because if it wasn't for you I wouldn't have had a solid presentation for my module really like yes, oh I, haven't got my grades yet but my all my colleagues and you know my my my classmates they really really liked it like it was until now it's still been spoken about like people remember the presentation and I think that's a good take away because like it's no point presenting something and people don't remember about it you know so I'm I'm so glad ya


, ya, uh ya, ya


true I I I don't think I think


history yes yes I agree I agree so I that's one thing I really admire about you know how how uh rooted you are in that sense for you know the religion that you stand for and everything I think I think you know it's very and you don't just like say oh you must follow this you you give the explanation behind it and I think that is


important so the people know what they are following you know and I I, and I love the fact you make the effort to go and research about it you know like to find out what are you talking about and say stuff that you know people might will will listen after that and I think I think that that's something that I really admire like all like all throughout these many years no I'm honesty saying ya


I didn't understand you know I I'm I was, like okay sure you know but now I get it because ya, ya


(mmhmm) like you went to research and everything cool stuff,


, , good job !yay! , , I hope so too I hope so too uh yes, oh yes


I love those kind of stuff you know I really really love like it if was one thing I love about like those kind of stuff it's the food like it's so you know like it covers all kind of taste, and it's oh god like I like those kind of stuff


what is the best meal that you've ever had talking about food, that's not a meal that's just, that's just I know that's your five five nuggets for one dollar ,


, , , I know I know, junk food junk food , I still remember your egg the half boiled egg


(ppl) [oh] my, god okay (ppo)


okay, finance


a'ah


it is to, it also usually ah it also based on uh what course you all in and how much uh the academic tuition fees is per year lah so it's not just


uh they'll they'll disbursed the money that you ask for especially the the tour background check on the course you are which school and then they will do their tabulation and after that that when you will, received the grant from the government usually, ya


no uh different courses have different amount because of the uh material fees, like let's say uh engineering students who need slightly more money on equipments then uh let's say uh, a health science student because uh their the equipment and tools are different usually for health sciences they usually uh sponsored by uh actually


sponsored by the government because under the government sector but then for engineering and stuff usually more private and stuff so usually ya they usually uh do their own calculation and then they will basic based on uh what are the needs, and then they will disburse the money to you accordingly


to your needs ya yes ya


ya so after, (uh huh), ya so usually after like uh studying next thing you going to get a job and then after getting a job they want to get married and then uh but I was also looking at the same thing that you you you told me and then uh it's estimated that you will need about thirty thousand uh third thirty uh three hundred thousand dollars singapore dollars to


uh for your own retail plug in singapore because, ya instead expensive and that's not all the amount and that is just the upfront money that you might have to pay, depending and it's also the price of the flat depends on the number of rooms they're buying and how many square feet the uh areas is and it also usually matters on uh which area whether the area mature and all that uh


uh facilities they have around the area so it's estimated about three hundred thousand dollars in singapore lah, ya ya


ya you have to start save usually you have to start saving up from young but then uh also but one good thing is ya the, uh flat prices are quite high but then at the same time government are also giving a lot of subsidies and a lot and grants that will have you load on your price like uh let's say if you are buying a house where uh within your parents area within four KM radius


they'll give you a uh about ten thousand dollars subsidies and then let's say if you are first time buyer you also get another ten thousand and it really depends on whether and then if let's say for resale they have different type of grants also, but one common thing between resale and retail it's you for both you get it if buying near your parents house you'll be getting that


ah ten thousand dollars grant that will help you reduce your price lah and then also you can you know go up to DBS OCBC or HDB and then you can apply for a loan which will slowly ah help you pay up, your, your the the price for the


flats uh quite uh in a uh like elective for like sometimes they have it up to twenty five years and stuff, so can pay uh in a sense of a few years, ya but then


renovation it's usually your own uh, your own money because it's your you are doing it up to your own willing usually when you buy a retail they will also had they'll the HDB will usually suggest lah like or whether do you want to do this whether do you want to uh let's say have a ankles kitchen whether do you want to have a dog or what type of tiles you want but then if you still choose not to opt the HDB


preference and you want to hire your own contractor and stuff ya the prices of your pioneer and usually uh, they will also have their own uh loan and stuff you can usually pick up loan and uh start paying up the renovation cost and then ya in singapore renovation cost it's actually quite


uh high it estimated to be about fifty five thousand four room flat nowadays, ya


it depends, ya maybe usually if it your your own contractor usually they will you know try to reduce the price lah because you kind of know them but then let's say if it's a totally new interior ah is is new new designer and stuff they usually uh you know if you you you won't be market


price so ya you have to go according to what end it also matters on what are the uh let's say what are the design you want entirely according to what your preference lah so the higher your price, the more you the more who the more who the more work you want them to do


which will result in a higher price lah so yeah it's estimated about fifty thousand dollars for five four room flat, what with uh it's actually quite uh high end it's like not those uh just a simple reno it's actually quite uh you can get like granite tiles and stuff lah for five thousand


ya it ya


ya actually to book a hall room nowadays is actually very to, ah, you have to do wait for up to a year


quite good, ya


ya, ya if you definitely to start again I mean, like no


shake leg and then you get your monthly ya, ya


ya I think is about seventy plus, ya ya


ya actually you know when we like, ya actually you know when you go to those shopping malls and stuff you know usually the investors will just walk by and say have these savings plan and that ya I once, was like too tired and I was like okay you know what let's just listen to what they have to say and then uh


uh they actually gave of gave me a very good plan saying that uh it's a actually it's a eighty dollars per month, for I think twenty five, twenty five fifteen years, uh and then uh every five years I can, uh take out up to eight thousand dollars for my for for my own saving from either from the savings that have without touching the interest itself is already eight thousand dollars cheque can take up for year after five years after its mature


then I was like okay so this I was like okay not not that that this plan is uh not only helps me out in my long run but also help me out in my current situation lah let's say eight thousand dollars per year it's actually quite a good money for me lah, looking at my current expenses and stuff ya


and then I and then they also like other insurance stuff like uh, ah ya ya


ya I think by the time we reached by the time we are of age to take that I think we will way more plan more flexible plans lah targeting our age group people, ya true ya ya ya ya


I think when we receive our pay at start of the month I think we should start allocating budget saying that okay you know uh I wouldn't say what is much and then uh you know me I start I've already start paying my bills and stuff so I have leh I have to calculate how much my bursary for that month and amount, and then uh remaining let's say for transport and then in singapore transports is also like there's also like have to you know top up easy link cards at least like fifty dollars per month


congestion ya ya ya


ya it's no longer five dollars, and then that ten dollars also only last us for like a week, ya ya ya we always true ya


you should focus on saving first then spending, ya, nah I think now we have better idea


ya, ya it'll be easier for us when we start actually start working


ya true true ya


that's a source of alternative, uh suggestion options outside, ah


I think we are still too young for it lah, maybe ya


it's like from experienced person and stuff, ya financial advisor ya ya definitely ya true


I think that will be a better idea lah, ya start saving oh ya ya true


account where we don't touch, a'ah ya ya ya


maybe can we can try, ya when we about maybe we can also true


but I think ya first start up by deciding what our needs and what our wants lah that's the main thing to saving up, I'm not wrong and ya so, the next five years what are your financial where where do you see yourself financially


like now you're in poly or two, and then ya ya ya


we can tear up ya and we can use the money to really invest in the future, maybe, ya true


don't have uh there's a lot of we just have to do our own research and then just find out all the loopholes and stuff, and what are the government


ya ya


true


negative experiences, so how are you doing, ya, ah


I heard you recently broke up, what happen, ah


true, ya I should just get mad upon it lah


ah


a'ah but how how, how have (uh huh), !huh!


a'ah, uh ah


okay lah I think now your your feeling you are better now right, ya did did you check on her or something, okay lah guess avoid ya true okay lah


maybe I think should contact use phone, hopefully ya let's see, ya lah it's just too stressed about school you know is my final year


and then I'm like you know like my depressed okay not that bad but then but still you know I'm at the point where you know if I screw up this last sem you know I'm having a born right like I'm having, islanders sponsorship


so now now it's like not extremely that makes me stressful uh very the grouping also chosen by the teachers, and then like I'm in a group of, three and you know I'm already in a disadvantage because it's supposed to be a group of four, but then is like I'm in a group three and there two other girls are not cooperating with me


and I'm and I'm I, because it, it's a system that they have lah like you know uh let's say in a particular year the one we get to choose our own group we can group with our own friends and then in semester two is the teachers will choose the grouping according to their preference


and then I was like okay and then I end up with these two girls and then, like it's just so irritating like you know girl number one, then like, okay lah at least if I get you all can have your own personal drama but if I want to have mine ah am I going into the group because I want my work to be done


and then at that time they were talking about their own dramas with their friends their parents and so then I'm like gosh my work is also at the risk but I also want my work to be done


I have stuck every single thing I've gotten to a point where I gave up and I'm starting to do the assignments all of my own, I'll try asking them, ya I always were text to the group and stuff but then no no nah they they don't reply me properly and stuff then, okay lah at least I at least get exposed the whole to be done the next day they will be like oh I didn't see the message


then I'm like okay, that's very I've tried to complain to the teacher and then the teacher also have tried but teachers have not taken any action so far and I have kind also give up on the teacher so, ya lah I


I don't know maybe I'm not like the teachers I went to them once saying you know I'm having they just said that they will talk and then uh they I don't think they I don't know whether they talk or not lah but I don't seem like they talk because if they did talk, I think they will change but then


it's important but then you also know that I cannot go against the teacher because anything the teachers, I have strike all the way and all lah that but then ya you know now I can mimic after the same I can give it another try


what happen is everything okay


a'ah ya (mmhmm) a'ah trouble a'ah !huh!


so this your vision lah, ah (mmhmm) (uh huh) (oo) (uh huh)


just out of nowhere lah, okay (mmhmm)


it like something happened in school that to do to you or something that did someone upset you in school, okay true okay okay !wow!


and I don't think happen in real life lah if it happen in real life let me know I will run of it, ya, what


ya true ya the korean hard things I think kind of irritating lah, ya


like some with the korean fan ah what BTS I think if I'm not wrong, and stuff and that was one of the main reasons why I always will call if my my girlfriend


and ya they start dressing up like them they start having haircuts like them


ya, true I think it's just because they're cute or something lah you know just for looks


ya lah I mean that's the reason why I always fight for because she knows she this korean, drama watch that korean drama then I will be like no, because she's like oh !wah! how come I do everything that you like you don't do she she just start making noise and I'll be like, things that I like something that you also like so you will you will step in doing it but things that you like I don't like like micky and stuff so I'm like no and then she just get started always just you know mix she just gets a whole new drama lah


a'ah a'ah, had had been donkey years already I think few years ya


ya but we just wearing it, they just going to hang out ya


I think right it just they want to keep it it just people feeling like let's say if I have and then you don't have right then you like people will just be like oh how come he have he has I don't have then they will know the they are scared to be left out like oh shit if I don't have it means


they will lah but you know people are selfish