ya and I I guess I ate it so much that I don't eat it now because I'm sick of it, dude seriously seriously like everytime everytime it was break time when I went to the canteen I would only eat #mee rebus#


oh my god maggie pizza bro it's oh !wow! !wow!, mixing it with egg ya dude oh my god


but I find it weird how like you call it maggie pizza whereas I grew up calling it maggie Murtabak, ya it's can we come up with like a just a standard name for it like it has to be ya it has to go up for discussion because when I see maggie Murtabak no one gets there you know


ya and then I'm like okay so everyone calls it differently ya okay , so uh wait there was a question that I wanted to ask uh what is it no no no no no no no what is that


oh okay what is a skill or an ability that you are secretly proud of having


okay okay


part one finance


okay hold on, ah


just that


can't I process just that not really know what to answer ya , [orh] okay uh


I'm not pretty sure you start first


okay so basically, since <P2>vinesh</P2> give me like example of like you were working and then you have to save up and stuff


so that is one way cause once you work you got you earn money you might not use all the money right some of them you'll spend for something and some of them you like you have to think about your future in case like you have medical checkup or something you might need the money so you might save then like


at the same time when you save you have to keep on saving when you earn money for your lifetime till you retire, so, what strategy would you recommend to someone planning for the big ticket expenditures


yes ya


to me is , whatever that uh wait strategy you would recommend someone, just keep on, saving and know what you wanna do right because


making a next steps is a huge responsibility for you because you need a lot of money so ya, next next question


how do I spend my money I usually go shopee and spend my money because I don't know I just like to go shopee and then like sometimes I know that, whatever I don't need to buy I better don't buy lah is don't follow what I want lah is like what I need literally need in life then I will buy so ya


so you accidentally press it okay , , should I DIY or get a finance advisor to plan my finances


why, (ppc) sorry


alright to me is I'm the only person who always save up on my own money ever since I work so ya I always plan what should I do with my money and stuff then after that I will just keep on saving


and so to me I don't need to have finance advisor because I myself a finance advisor to myself so ya, okay


stop borrowing money from someone who whoever and then like, , if you have like your, bills you have to pay try to pay and then like if, if you are like like me go shopee every time spend all those money on that just try not to pay pay all your bills and stuff stop going to shopping apps just to get yourself what you don't need or what you


need just pay your debts and stuff once you are done already then you can get yourself something you wanted, that you deserve so ya


alright next question how do you manage your cash flow how much of your income is allocated to saving expenses and insurance or investment


, okay


okay to me is I love to save I wish to save like billion uh but then sadly I have things to settle for my family


and then uh okay and then my expenses is I usually spend on my household and stuff and uh insurance not yet


hold on ah need to reply okay first alright, err CPF contribution, , what I know is , usually whenever you work


or whatever work you're going to work in singapore right they'll take a bit of your five percent or two percent from your salary to go inside your CPF and then like if you wanna buy house err when you retire then you can take out the money and then you can use CPF to buy house


so ya if I'm not wrong maybe,


but then eventually went to fifty five you can withdraw the money so ya, okay next question what can you do to earn extra income or to improve your income level, okay


to me right I usually work night shift or morning shift just to earn extra income alright like warehouse they used to have night shift and morning shift and then, or not all those uh fliers like they only work for three to four hours and stuff and then ya that is good enough you you earn extra income so that you know what you should spend on with that money and you should save at the same time


didn't I said that, , ya


do you think do you think, once you , actually it is it's, it's not my type to have credit card with me because well uh nowadays is cashless what everywhere you just tap your card and stuff


it's good that if you keep your money inside your credit card and you don't have your credit card with you when you going out is because you won't spend a lot when you have a credit card you just get you just tap then just that's all cash like tap and go so to me I don't want to have credit card actually but then eventually I have to have one so ya


alright so next question what advice would you give to someone in order to retire comfortably


okay to me is nowadays if you go mcdonald and stuff you will see old people still working because to them they don't want to stay at home they will feel bored and then like, that's the reason why they still find a job


alright and they still find a job uh outside to make them feel like they are not alone at home and stuff but at the same time they earning money right so at the same time once they have money is like, comfortable for them to retire that they know is enough for them to live their life at home and stuff to buy food for them then I think there's a better idea lah


SRS, yes


(hmm), five is it (mmhmm)


but what I know it's supposed to be fifty five that you can get your money right isn't it, if were to followed by the CPF way when you are fifty five then you can take out around like five thousand if I'm not wrong so ya


so we'll procced to the next question since you're not sure about the supplementary thing so ya okay how do you how would you make a finance plan investment portfolio for your family or children,


(hmm)


okay so basically I guess ,


okay maybe to me right you maybe you can make, like one bank, alright one bank account then you save you put all your money that you'll save inside that bank account then like once you have your own family you have uh your own children maybe you can take the money from that bank account that you are saving because eventually now you having a family you have to share everything what's


you have so ya, you supposed to go to you do you have the habit of saving,


my favourite part faster , alright this is my favourite part I love to save like I say just now as I mentioned alright and then the habit of


me saving every time I told myself like okay if I were to earn this amount like example five hundred per week I'll put aside two hundred fifty, and then the other fifty I will spend so that, I know that okay this week I earn two hundred and fifty so the next week I will just follow the same way in the end


of the month I'll reach around one thousand if two hundred and fifty ya one thousand so that's had a habit of me saving every time I will always tell myself okay save only no matter what even two dollar or whatsoever just save, alright


your turn yes , used to , RM


the that is not what you need okay never mind next question oh K wait what is it okay what's one financial advice that you would give to you you yourself five years ago


so what's one financial advice that you would give to you five years ago that means you yourself will give to yourself five years ago


uh, to me is I wouldn't have if I were five years ago I don't have family problem and stuff I think right now my money will be more than what I expected


, so I should just save up back, start to save up again, to where I belong


uh err uh not not married yet but then before I plan to just,


(mmhmm), , fifteen fifteen minute left only alright okay to me is I haven't married yet obviously, alright and before so I guess like what we need say stable career because that is important if you don't stick to one job and you keep on job hopping and stuff how do you check you manage to like keep saving as the payment for each company will be different than what you thought so ya


alright as I mention just as I mentioned just now I like to go cash uh not cashless with cash is because at least I know what should I spend on alright if you go cashless like what I've mentioned just now in the end you won't know that how much you actually spend huge amount of it


so I prefer to go cash so I know okay uh this thing I don't need because I only left with this amount so ya, , you sure


so your cashless will go to your game right, see, your expenses is just like okay never mind alright next question, where are we


why like we like different like that ah , [orh] I go and look at the this one


okay , oh !wow! okay


alright, okay okay okay done okay uh to me


, err <P2>vinesh</P2> like say charity but then I would give first I would give first to my family first like my parents or help them pay whatever debts they have alright if I got like


uh still have a huge amount of money in the end of the day then I will give to charity or not I will bring to I'll bring my mom somewhere that I wanted her to go with my dad even though they are divorced so ya


in a post COVID world that what changes are you making in terms of your spending and saving habits


to me, err after COVID I will still wanted to save because after COVID you can find a proper job because right now is COVID so you can't find a job very well so eventually you only find like a job like warehouse and stuff so ya


what do you think of fire, not sure


that could from someone else but okay , let what I say just now keep on saving lah like use another account to save so ya


alright


part three negative experience, okay , if you want go first you can go first <P2>vinesh</P2> I'm thinking


to me, actually everyday I feel helpless, I don't know why, I feel myself useless also have alright so I don't know why, just that maybe people that surrounding me doesn't even put enough encouragement or motivation to me so that's why make me feel useless next


, if you want to start first you start first as I'm still thinking my negative experience


eventually they did alright , to me is when, I see someone who I love just


not there with me throughout every for my day and my life because he already gone so ya, is there one thing you wish you could change, but will never be able to, myself myself


why, as one will wondering why I choose myself is because, I myself when I was, three years ago or five years ago whoever know me very well you guys should know that I having a bad history with whoever else


and everyone always ask me if you were to turn back time to go to the old you what will you do I will just tell them the truth I will just learn whatever mistake I've done in the past and then bring to the future but modified them to be a better person


to make things good to make things in the, better way, ya but then too bad it never happens, four, eh your turn three, alright next question


how do you how have you been looked down upon by people in your life, yes, yes a lot of time, like my friends that you don't expect them to look down on you someone who love someone you love the most someone that you love


love the most also so ya, alright did you ever have a pet that you okay I just mentioned it just now I just lost my hamster , alright that's


that's a sad thing sorry to hear that alright my hamster and then one of my cat carpet, the, baby was died inside her stomach, when she actually fall from level seven so ya


alright next question what popular food do you dislike and why, ah


!wah! what what what no what what what what you go first you go first I'm still thinking I just ah only, why why why


okay now I'm angry no lah , I got nothing I don't like uh, everything I eat just the vegetable, why is because even though they give a lot of protein or whatever carbohydrates or something just that I don't like I don't know why the taste of it is just like you know not my type not my cup of tea


alright next, oh indirect thing


okay to me is, is not, I do to my loved one is sometimes the person that do to me I just don't appreciate it, it's opposite way is you guys are talking about what I do but eventually is opposite a person that do to me is not I I never appreciate it


even though I do appreciate just that the way I am they don't they'll think that they thought that oh you are not you are not going to appreciate whatever I did for you eventually I did just that I don't show because I don't love to show because if I showed that person would know then they will take advantage of you so ya


alright, wait <P2>vinesh</P2> tap on your phone first, what


I often worry about my parents why , yes I haven't finish yet okay uh my parents is because every time when uh I left, I love to think far, okay if my parents were to be gone forever who will look after me as my sister my siblings some of them is already married only left me and my brother right know


and then like if my brother having a stable career that's a good thing so that he can actually handle me but eventually right right by now both of us is working part time so ya just scared of my parents to leave me I hope I every time prayed that usually let just let me go first


is because even though I don't actually explore singapore yet that's funny thing you know as in nineteen years old but then I just don't want my parents to go first because I don't want them to go because they already actually know what to do, but that's just me I don't know how should I actually live without them because I already born with them and I'm pretty sure that when without them is much more worse


what do you believe in when you were were younger but not anymore and why


K so if you guys were to know muslim or is islam always said don't ever ever create trouble it because if create any trouble or make any, sins your parents have to actually so get as take the responsibility to me is I don't believe in that is because if I were to uh if you guys were to say that


oh you are making a lot of sins and stuff you are making your parents the one that taking their responsibility then if I were to die now I will go to I will go to heaven right because I never take any responsibility, that's the funniest part so from there I realise that why should I believe them instead of that I should just research on myself when I research is actually


whenever you married someone that husband of yours will actually took all your responsibility, alright and then whatever you are doing right now is you have to take your own responsibility so when you die is either you and your god will actually talk to each other about what you've done in in when you're in earth alright next I can't read for question set question five


!ee! okay !eww!


K , I ended my friendship, with someone else, just because I was in relationship with someone else alright and that is pretty sad okay every time every single time everyone ask me oh uh how was your best friend


eventually behind of it is that my best friend actually leave me because I decided to go to someone else that actually he knew that was a soccer teammates alright and, actually he promised that he don't want to leave me even though we're best friends but he did he did left me is because I go with his friends that is the


not good but alright and ya how I wish I could just get him back into my life and just, be together with both of them so that I actually feel better but too bad he gone for good with someone who can make him happy and then broke up with someone who actually were to make me happy so I left both at the same time


next mine


hello, why you want to feel pity for that person, (hmm), why you want to feel pity about that person,


alright to me, even, I actually had a lot, of revenge I wanted to do back to someone not not to a person that I used to love is all those kind of like my


I would say exes and stuff but eventually I brought all of them together with me to revenge on someone I love, so ya, alright okay wait let me zoom I cannot see alright


describe a time when things turn out not meeting your expectation


me nothing at all, every time, when I want things to be done like that it will never happen, is because some people thought that their way is always right some people thought oh uh uh your ways uh okay okay the funny part is why always people say I'm always right are we trying to say myself right because I always think far if you were to do like this if this happen how


they don't think that way they wanted to do the easier way so that they can finish thing, in a easy in a short times but if things will happen, you have to actually take a responsibility that's a huge thing right next describe an event that make very furious


you really furious, you not what pardon me,


I actually used to be happy go lucky girl if you guys you know, me alright I'm I love to laugh, I love to smile I don't care about problems I don't care about stress I am actually love to share I don't love to share my problem is because I don't want people to know what I facing it just let me myself and I know whatever problems I had in my life


alright and then I love to hear to someone problems give you advice because I used to experience a lot of thing and then whatever experience that's the only way I can only to give advice to them or maybe for me to actually just hear them out and not let them keep to themselves because keeping to yourself is not a good thing enough


and then you are hurting yourself also that makes you feel that you want to do all those harm things right thrashing yourself commit suicide all those anxiety and stuff so ya


what kind of person do you hate the most another show your part I'm just actually a just smug face okay, uh !huh! no you go first, okay I don't like a person who actually just hands off


when I ask her to do something just do it listen to me for a while alright, and then I don't like people who's late reply is because I don't like last minute idea and stuff I don't like to wait for someone alright and then when I call you once for example <P2>vinesh</P2> you have to turn you don't like just play games and stuff


it's not I don't like you playing games I don't like a person I don't like uh it's not I don't like a person who play games I like okay because to me you know if your partner play games you know that he won't cheated on you he will just play games with your friends K because even though you cheated only on games also it just related to games alright


that's the reason alright okay and then, but sadly, you play game at the wrong time when your partner need is you when she at the lowest of herself, then you wasn't there you think that it's good for you to be with your friends and you never hear her out whenever she's need you in that moment that when she's asked for broke up then that part you will realise that oh actually when she need me I wasn't there with her that part there's no sorry for you and then it's too late for you actually


ya, next <P2>vinesh</P2> your turn, eh you haven't you haven't even answer that question oh my gosh sorry my leg cramp


itchy what, what is that, [orh], okay sorry my leg is cramp guys, okay


on mine miss so much is when, when I, text you once and like call your name you just turn and just say oh yes even though, I don't want to hear is because it's so annoying when I keep on calling your name like <P2>vinesh</P2> <P2>vinesh</P2> <P2>vinesh</P2> <P2>vinesh</P2> <P2>vinesh</P2> <P2>vinesh</P2> so ya


recall a scene from a movie that you, that make you cry in sadness oh there's a lot of movie okay to me I love to watch malay movie because not trying to say malay have malay movies


okay I have a lot of malay movie I cried whenever the girl was the guy left the girl, alright all those movie actually all those sad movie all those love movies all those everything lah, that have the sad part right I will cry I don't know why I'm a cry baby that's a sad part eventually if people scold me or shout at me for once ah I'll instant cry not instant like cry lah just like will took a long time for me to cry that part I thought that oh


that means I Kena scolded again so ya, it's the same as my life my life is already a movie, because you don't like to watch movie you like to watch game


I love the older generation I don't know why, okay <P2>vinesh</P2> you want to go to the younger one first or want go to the older first, no you haven't said you're younger yet I'm interrupting that part


okay to me it's opposite way I love the older one why


they worked so hard okay did you know the independent is nineteen sixty five that's the favorite word that I love to say okay, they independent since ever since nineteen sixty five they actually been working so hard even though they work


not as like, a lot didn't earn a lot of income is because they stop studying at certain age to actually , find money for us to grow grown up alright and then our age our generation is because I don't like you guys based on your parents' money alright you guys


I'm not supposed to base on your parents' money when is certain age like fifteen or you can work you can get work get your own money earn some money for bread like get give yourself parents' money instead of your parents giving you money, just get what I'm trying to say you get where I am coming from okay is because


if you give your parents money , that's the good thing your parent will be happy it's like you are paying back whatever good deed she does for you and yes for younger generation please YP all those, type of person just not my type ah not my cup of tea if I would love to actually dig back all those older generation if I can see all those older generation what they facing and stuff is the best thing ever in my life


at least I can experience whatever they experience so they don't ever complain that they actually last time like this like that you know ya, alright talk about your worst travel experience I don't travel but I got a good experience in my life no travelling I haven't travel yet


cause I haven't save up money, fourteen december fourteen december, that you were to travel overseas with your


okay describe a good time where you feel describe uh sorry describe a time when you feel that nothing you do is good enough


, every time whatever I earn alright if I were to give to my family member to me it's good enough already that I fork out money for them but eventually


to me the way they treated me is like it's never good enough, no whatever, whatever I earned to that for them is like oh it's never good enough for you actually alright so ya so next question,


embarrassing moment no ya, ya that's the sad part also actually when I was in back back then I was sec one two thousand fifteen I was playing truth or dare


I have to shave both of my eyebrows you just try to imagine that me right now having no eyebrows it's look like how alien I am, and like that's embarrassing moment because I walk into school I just look like this and then like I've tried to avoid people from looking at my brows then whenever I go out right I have to draw and I wasn't that uh I don't like makeup that time so I have to draw my my eyebrows like one huge #shin chan# like that so ya


whenever I do good things no matter what people still against to me lah, why why why I would I would like to hear that why why <P2>vinesh</P2>


alright, part, two positive experience, okay shut up alright err


so what were some memories moments from your younger days, moment what is moment


, K sorry to heard that okay to me (ppc)


there's nothing K because, I don't have a memorable moments younger time, so ya, only now only I have so but then it's different already


okay next question talk about the of a pet that you uh you have or once had K right now I having a lot so don't worry <P2>vinesh</P2> you go first, (hmm), alright


small , okay


ya okay what are you talking , okay to me when I was having and when I was staying in in Yishun, I have like eight cats and then uh around like six kitten alright


no that was I said was Yishun so right now, I'm living in #ang mo kio# I having like eight cats one missing okay, one, kitten died and then two hamster one hamster died


recently , okay and then one is, still with me one turtle that name is uh tommy it's a huge turtle alright and we decided to actually let him go to somebody he deserve alright and then ya so right now


before I die I always say this to, someone if I were to die I just need full bunch of chocolate beside me, because I'm actually I love to eat alright I love to eat


so what I want is, I love to eat so before I die just hoping that I don't need anything I don't need a lamborghini or whatever I don't need that I just need chocolate chocolate to be right beside me before I close my eyes so ya


okay, uh eh eh sorry


okay what do uh what do you love about your life , my family because I having like a history with my family last time a conflict with them so night now my family it's just a huge big happy family


I thank god for that and then ya I miss all my friends that actually tell me the truth of who is my true friend and who is not and then , all those friends who actually be there for me no matter what no matter how much problem I have in life


and then uh friends who actually told me the truth that actually whatever I behave today whatever I am today is not the way I am like throwing the fate of myself so ya next question


describe an experience when your faith in mankind is renewed, I said faith, why


, to me, alright done wait lah read the chatbox lah okay ya, to me ah


I don't know because, if were to renewed also, what will will that be


oh my god I I hate you because that's my favourite okay if you guys you remember if you guys remember these you guys are legend you know the Doraemon, come on the Doraemon <P2>vinesh</P2> you don't know


the Doraemon the circle circle, oh my god see your your your young time just just I don't know what you're doing on so this chocolate that uh is Doraemon one inside will have a toy and then the chocolate is like circle circle thing I don't know how to explain but it's the Doraemon and then also


what chocolate ah why am I talking about chocolate only okay never mind, , #choki choki# is one of them and then the one that, uh


the one that got guy and the girl face the chocolate, come on <P2>vinesh</P2> you should know that there's a chocolate stick with a guy and a girl face, you think you know right okay never mind if you think you know is okay alright that's all next question


cause that's my favourite part, uh uh


alright thank you to me right I know alright alright


uh to me describe a moment where things turn uh to me, when, actually ya N level


the part I didn't study actually, didn't study okay you study only the night before the N level once you reach there what you did was like you bring the paper along then you go inside toilet and just study, and still fail


I still fail my science no matter how much I study so ya


!ee! , okay to , I see let see okay to me,


a lot of people told me that actually I can I'm the type of person who's independent, alright which you should agree <P2>vinesh</P2> alright I'm always independent, okay I'm


err the nicest thing they said to me it was that I'm cute, alright eh <P2>vinesh</P2> you don't deny that and then , I'm


I don't know not not sure I'm polite ah I have a bit of like uh aggressive ya so ya that's all !aiya! oh ya I'm actually who's the one that understand people that much be there for them well a good listener not


I actually please excuse me I am a good listener okay next question, where we


alright uh okay to me nothing


just that my pet that hamster that hamster that passed away that stay with me for only like, a week and just commit not commit suicide cause of my cat so ya by my cat garfield which is right beside me so ya


so next question , talk about a time when you experience personal growth excuse me I'm talking talk about a personal talk about a time when you experience personal growth


okay, to me is when I was fifteen years old that's when I start to work, alright I having this , think thought of like it's time for me to actually change myself so there's time where I have to actually develop personal growth to myself


and also growth mindset about it so ya, what are you thankful for


I am thankful,


alright I'm thankful, err to, I I don't know who I want to thank to because I got no one that actually come to my life err with


a good deeds alright but I would like to thankful to one of my , clique that's called legend K they came into my life since I were when I was sec one and graduated with me when I was sec four


and then they decided to actually do their own business when we actually entered NITEC year one ya if I were to have them back there's a lot of tons of story that I would like to share with them so ya,


I can multitask, maybe and then, I, I don't know


I can sing I can dance I can cook I can do, guys' job in a sense of like all those work K warehouse and stuff


and then ya I'm like a girl and a guy secretly don't tell anyone, okay next <P2>vinesh</P2>


oh no you are not that much okay I can say that, alright next question what was your best birthday present and why, I thought your PS four


okay I'm not trying to say sad story but stuff but then my best birthday present was nothing throughout my nineteen years why is because, I don't know know no one give me present lor so I don't know ah so just #bo bian#


so describe your perfect day, ya uh LOL


what are you talking I don't understand suddently a suddenly a block and a girl every block got a girl , ,


okay alright uh to me my perfect day is when, I actually is uh is one of my mother birthday is because why why I choose that day err is because where I can see all my siblings uh gather around together to celebrate my mum's birthday and see a smile on my mum face that's very rare to see


so that is the best day (ppo) (ppb)


part one finance


err never mind you start first, oh, how do you invest your money to accumulate wealth


and, or planning for your retirement, alright


how to invest your money to accumulate wealth, and or planning for your retirement, uh easy ah ya if you want to invest your money you just like need to , well when you start working maybe you start saving up, just focus more on your life ah, before even if you start anything else lah so if like


you're you actually know if you if you're going to retire or anything you know you have a you know you have enough enough amount for you to look after, so yeah check it out the alright


now you go to number two, uh expenditures what I would recommend ah


I recommend don't start so fast ah, don't wait don't jump don't don't take a big jump suddenly , unless you know that you're actually gonna be financially stable, and you actually know that what what you're doing is right for yourself


and your, and the person you gonna look after, yeah how do you


how how do you spend your money, which expenditure is justified and what what have you been spending too much on


err for uh for me, most of the time I spend my money on games ah so like, if I play my games I just, accidentally spend my money on them ah not saying like I willingly do it I just accidentally spend them on it


and which is like no, actually I sometimes I just feel is it's not worth worth spending, so ya next ya so next question for me no ah for me no


cause I have my mother as my financial advisor, so I don't need anything to be related to finance, so she's the one that most of the time like actually looks after my finance stuff so ya, back to you


that's good that's good next question


what advice would you give to someone to get him or her out of debt, power


uh my point of view is, once you're in debt, it's very hard to like focus on your daily lifestyle like this since, since you know whatever you're gonna earn is going to go to your debt, so it's like


you're just earning your work your money when you work, it's just all going to something that you actually owe for quite some time so I recommend you not to do it, and just to keep it, out of your whole lifestyle and don't go for taking debts


for me ah none ah none


I have no savings, my expenses are a lot, insurance investment not my age yet so ya my cash flow is, is reasonably, good and bad because most of the time I spend my money on food


and games next question


what are you what are your thoughts on CPF contribution, ya


I was going to come to that since this C this CPF contribution is, then use CPF contribution it's much more much more comfortable for you to get a house, can buy house, which sometimes CPF can be too much if you really think of it cause


you you get your salary you think you're gonna get this amount but you still need to, you'll still know that you need to give some to CPF contribution so ya, no ya next work part time next question


what can you do to earn extra income or to improve your level, your oh, you did say that okay, do you do you think one should own a credit card


my point of view you having a credit card is a debt, so ya so you cause you're unknowingly gonna use the card, and then at the end of the at at the end of the month whenever you need to pay it then you are and you will find out that you have a very big sum to pay


oh, err what advice I would give someone uh to


in, the hope hope uh make sure they have like, a very comfortable, they very stable already in their own life for them to retires and hopefully they have enough money to that that will make them last ah


uh right, err so where are we question eleven


yes, what are your opinions on supplementary retirement scheme


supplementary retirement scheme ah, [orh] uh, you you actually receive money when you are fifty, at you are you are at a certain age you will receive money


certain amount ya, up to you ah if you don't think like that cause I not so sure about this ah


okay next question how would


how would you make your financial plan investment portfolio for your family and children, how would I make it, uh, financial plan investment portfolio


for like financial in plan like so you like you make sure I keep in check in of my of my families and


children's financial plan lah, so I just see like, I'm I make sure that they have savings for themselves when they grow up, and they have their own they have enough commitment for their, work and stuff lah so that they actually have savings


next next what's


what's on your one financial advice that you'll give to you, uh do you have the habit of saving, !huh!, how do you ensure your you meet your saving goals


you go first ah interesting (hmm)


where I heard from what's the question [orh] it's saving, ah ah, I I actually used to save, I, I did used to save, I used to save, but then after like after I think few, uh after after knowing the PS four and PS five


all the gaming consoles came up I just like, I decided to actually spend my money on that lah serious lah, , cannot you see this type you see is like uh boy like me when you see gaming types of stuff cannot, you you like you need to put your hands on it, ya !huh! where


oh what's one, oh five years ago I should have just carry on saving as well, as you bring on uh as you bring on saving till last five years and now ah so that I got enough money for myself now ah


yeah, okay interesting interesting


so the next question, how do you manage your financial commitments before and after marriage, not married so


make sure we are having a stable stable stable stable stable career, so that we actually know that we can actually make a family and we know that we can feed our kids well, ya about there copy job hopping


ya your slang very good ah, next, do you prefer to use cash or go cashless when you are paying for goods, and services, if you prefer to go cashless, do share your experience and the details


on the cashless methods, platforms ya


I'll I'll prefer to go cash ah, yes I prefer go cash ah, cause, yeah you know the way, ya


if you receive a big windfall, alright alright if you receive a, big windfall what would you do this windfall, ya we at number five correct, okay


big windfall big windfall meaning, uh if I if I if I ever had a big windfall uh most the most, I'll donate some to charity, and then the rest I keep for myself lah


I give my family give my parents, give my parents err quite a good amount, ya so if you if you are wondering what's big windfall is like if you ever hit a lottery or something, something like that lah so like you are not blur like that ah okay ah sorry ah


okay post COVID


post COVID is after COVID, after COVID nothing much ah, savings it's saving or spending my spending more than my saving ah and nothing much yet, I still spend more than I save so ya


okay err what do you think of fire, fire, financial independent retire early, how can you achieve financial independence


save carefully and save smartly, so you have enough for uh so that you have enough for your retirement, okay


how do you manage your CPF savings what advice would you give someone in order to maximise their CPF saving yup


part three negative experience


describe a time when you felt trapped or helpless, most of the when I felt trapped or helpless ah


when I met with an accident lah, ya, traffic accident I actually, hurt uh broke my ankle, which was severely damaged in the inside, so ya that's the most the only time I felt trapped and helpless ah


okay


that's sad for you ya, what always bring tears of sorrow to your eyes, ah, tears of sorrow to my eyes


when I see my mum cry ah I see my mom cry I feel sad ah, uh most the most when I'm being threatened by someone to say that they will leave me ah, okay


you go first ah this one you go first


okay, number three right , is there one thing you wish you could change, (ugh)


one thing I wish I could never change seeing my late father go away ah, but I know I will be never be able to uh cause every some uh everyone has to die one day so ya


a lot of times


me too


err both my dogs ah cause they were actually put to sleep by some by someone who actually don't know how to look after them so ya


okay what


what popular foods do you dislike and why, , you want go first you want go first, Nasi Biryani ah, even the even though I am an indian I just don't I just don't like the taste of it I don't like the look of it


no idea, yup


what sacrifices have you made for your loved ones but were not appreciate appreciated for your uh all of it ah all of the sacrifices ah


what do you often worry about, about my mum leaving me ah, okay okay


err often worry about my mum, moving on, my mom passing away cause ah what do you what do you believe in when you,


uh [orh] what I believe in younger and not anymore what I believe ah, I believe that superheroes were real, and now and now they are actually not ya


describe a time eh ah ya, describe a time when you needed and when you ended a friendship or relationship with someone else and why, you go first lah just go


, err for me, describe a time when you ended, a friendship no lah don't have ah, I don't have anything that I I I I don't have anything, next have you ever wanted to get revenge what happen that made you feel this way yes I did


a lot of times I wanted to take revenge but I just couldn't, cause I cause I just give too much of sympathy, to the other party, I don't think you know what is sympathy ah so, ya so, so ya I just give too much of sympathy to the other party until I make myself soft


ah of course, unknowingly the person might be a girl lah so ya, next nothing lah yeah why ah describe describe


describe a time when, uh most of the time I see it most of the things have reach my expectation that's why I got nothing much to talk about here, you oh ah interesting interesting next


I I'm I'm never actually a type of angry person lah, I, I'm not a very angry person, so I smile and laugh most of the time, ya no ah no


for myself, oh ya done uh I already said it ya, you go ah you go first ah


just serious just go first, okay


okay what is your biggest pet peeve, what what kind of, person you hate the most, you know the type that is it just pisses me off ah


that's all , err wait uh what what is your biggest pet peeve my biggest pet peeve, itchy ears yes, itchy ears


if your ears are itchy, it's uh it's it's annoying isn't it


okay next what is err err recall a scene, to watch what ah okay


ah shit, so what this kind of movie ah


okay for me, nothing ah I never watch ah correct K next, describe what you like about the younger older generation the older generation


uh very annoying ah serious, the older generation just, no not not in general like not everyone not the outsiders just in or in general my mom all ah, just getting too old and very noisy ah, the young I already finish [orh]


ya describe what you like younger generation is nothing think about uh because they are still young, they barely have a mindset of their own they just like to roam about


(ppc) for me for myself my


what, was want to go for a WWE show, at US , which actually turned out badly because uh uh the next day where that when the day actually came my late dad passed away ah passed away ya


most of the time ah for myself is most of the time ah


, err describe the embarrassing moment that make you cringe, for myself


when I was sitting down on a railing and suddenly fell lah ya, sia lah that's the worst, makes you shave your eyebrows ah okay uh


describe the moment when you feel like the world is against you, world is against me during my math, during my mathematics exam ah ya


I've I, I felt like the whole world uh uh were felt like my the whole world was dropping on me ah, that's all next , next have you been, have you been ever been alright


done, right, eh, part two positive experience


uh the most memorable moments from my younger days were, the most memorable day uh, memorable moments from my younger days were, err actually I've not much of a memorable younger uh memorable moments ah I just miss my miss my old dad ah


ya since since he left it were it uh it it actually make a very big, impact in my life ah so that's that's what I've been facing most of the time


course ah come on lah, [orh], [orh] okay I had these two dogs


one was big and one was, one were one was a one was one were one was a great dane and one was a what do you call it they're both were the best two, pets you can ever have in your life I'm serious ah I'm just being serious right now, uh you you they will listen to you like as if


you're their master eventually you are their master, so ya next uh one hamster one hamster one hamster one


one commit suicide one commit suicide , turtle also die already, let him go


uh so hard for you to know that also, come on lah okay, what are the dreams and goals that you wish to achieve before you die


ya everyone can see that from your face that you love to eat ah, no one will get you a lamborghini


so for me ah before I die ah, don't know leh, probably before I die must just be stable in everything lah so that I know that my family actually good is gonna live a stable life ah, like most the most, ya before I die also I don't expect a lot ah I just want want my family to be stable


but before I die my my mother must die first ah so I go up I see her already, ya that's why, like uh what do you love about life, ya I I just I just going to say it and I go first ah, what I love or what about my life ah, I love my family


and I love my girlfriend, I just tell everyone lah I love everyone that who's in my life ah my family my girlfriend, the whoever like just actually keeps making my life it brightens up my life everyday, every single day they just keep brightening up my life, girlfriend who boyfriend


eh where is it you see, (ppc)


ya I going to shoot you already watch out, K I no girlfriend


your faith in in mankind is renewed, and never say faith also, describe an experience when your faith in mankind is renewed describe an experience


most the most never be renewed ah, done next ah I don't know just me ah <P2>shakira</P2> go


go faster <P2>shakira</P2> don't keep a silence, they know K next


#choki choki# not, now a lot of people don't know that not a lot of people knows that but ya #choki choki#, no I


I don't have an idea no no idea


I think I know, ya, okay never mind I think we we taking a lot of time in food and snack ah, describe a, describe a moment when things turn out better than expected


uh, most the most my my my schoolwork ah my N level, I thought I was actually gonna fail and shut uh stuff lah, actually eh eh but then when I actually found out it eh it was actually better than expected lah


so like, ya south phrase is the number one disgrace, action yes sir K


[orh] is it wait wait okay next, what is the nicest thing someone has ever told you, (hmm) nicest thing ah, that I have been very polite ah and I'm I'm like the most politest boy around the world


ah to elderly people I'm very polite to elderly people, I see let see (ppc) I don't know you so well lah just like your brother what


describe a fond memory you share with uh with your loved ones, fond memory ah, my fond memory was with my dad who passed away passed, with my dad who passed away


ya (ppc) was


unlawfully murdered, ya uh


personal growth ah, when I experience personal growth, talk about a time when you experience personal growth, err actually I also don't know ah


I suddenly suddenly can experience one, like I feel like experience I experience lah, but never experience then experience lah, do already


ya that's a good thing yeah let's go, so next, what what what what, ah ah thankful for thankful ah


thankful for meeting my mama, oh thankful for meeting my dad ah my dad who passed away, passed away, he was a great man


say by my mom


uh


what is a skill or an ability that you are secretly proud of having, alright me


skill or an ability that you are secretly proud, of


what is a skill or an ability that you are secretly proud having, I'm smart, uh I'm a good listener


my best birthday present ah, my one ah, actually I don't know leh my birthday present, uh my PS four ah, my PS four my PS four my best birthday present lor


done lor so


my perfect day ah every day ah, when I just suddenly go to one block then I go to this one girl house I don't know ah, just suddenly meet her and a perfect day already


you don't have to know you don't have to know, ya , it's so funny okay


time's up


part one finance, uh okay so


I do not do any trading do you


uh ya I think that's that's the common concept for okay why don't we start simpler what like okay what is your investment strategy like in general


uh for me I don't really focus on company I focus on industry so instead of investing in stocks okay not say that I'm investing now but in the future when I have the capital to invest I would invest in funds so like


for example , I think I've told you this before but like you know how I always say like the healthcare industry, and the technological industry it will never be a situation where like it will never crash you will never have a situation where the healthcare industry crashes cause everybody needs healthcare a healthcare company might crash but the healthcare industry won't same with technology like


Nokia crashes but then on the other hand you have Apple so like if you find the if you find the appropriate funds for, like healthcare tech it's quite safe another example would be like investing in countries so


like on one hand you can invest in countries like US and then you can , like have a heart attack every single day because donald trump says something stupid, or you can like invest in countries like china, which yes was affected by Wuhan uh I mean because of COVID but even now you can see that actually the country doing as a whole is going back up to where it used to be so that would be my long term


like plan lah that you like I'll put aside these kind of things in such a way that is like once I invest in the fund the fund manager would already distribute it to like whichever company accordingly ya


ya no I I think for quick jumps you either need to be like extremely knowledgeable


or extremely free, ya like, for us we have to do projects and all that stuff, like and and another thing is that the market always operates based on the US timing means if anything happens while we're sleeping your money is gone so I'd rather not take that risk especially in a time where I don't have money so ya


I mean, considering my insurance background I would say just buy a small uh savings planner, like anything that uh, that you know


will give you uh okay so basically the concept at like it's in the list of questions here you have to apply dollar cost averaging, whatever money you have you cannot just like put it all in one thing or not say one thing but even if you put it all in different different things you cannot put in one shot so like let's say if you had like ten thousand dollars you don't invest ten thousand dollars because if the market crashes the ten thousand dollar disappear


but if you split that, ten thousand dollars into like a monthly contribution right you, buy at each price point you not prevent but you reduce your risk considerably so like even if err uh industry were to crash and then bounce back up you reap the benefit of it bouncing back up as


your quote unquote profits ah so, by investing in like a certain savings plan where you know where your money is going firstly you can make a decision as, you like okay uh like should I buying today's or not or do I have a choice to pick what I want to buy into and then you also have an adviser who can advise you on what is the best


options you can also see how the like whatever portfolio the adviser has picked for you how has it been doing and then from there you can put in a small amount of money like every month or every year so that, uh your money is still safe ah


okay this is a bit hard to do over like a like a video call but let's say you imagine a graph like price versus time horizon so price is your Y axis and then time is your X axis okay so imagine at a certain price you invest ten thousand dollars


okay let's say you have a U shaped curve so the market goes down and then it goes back up let's say if you were to go back to exactly the same point that it was at first the ten thousand that dollars that you put in over let's say a course of like five years okay no lah maybe


ten years will still be ten thousand dollars so in ten years in your head maybe you didn't lose money cause ten thousand ten thousand but if you if you like calculate inflation and stuff like that technically speaking you lost a bit of money


because year on year your money can buy less , ya and then but let's say if you split that ten thousand into one thousand every year so on year one you put one thousand then year two you put one thousand then you follow the same U curve right


you realise that at the tenth year when you sell everything what you get is, the shaded area above the graph thats the amount you earn ah technically so ya with dollar cost averaging your risk is reduced


let's say the industry crash means the industry crash okay there's no way of getting money back whether the dollar cost averaging or not but the thing is you know better right you wouldn't invest in an industry that can crash, like you wouldn't invest in like a taxi company because with grab and uber is redundant


ya but if you talk about, like smartphones you would invest in like a smartphone industry not because that all the smart phone companies are doing well but more because of the fact that people always want a smart phone ya


and companies that make smartphones if let's say there's never a need for smartphone anymore they would probably be the ones who came up with the next big thing you know so it's you have to combine your dollar, cost averaging with certain know like knowledge about where to invest and then also get yourself an advisor because we are at a state where we don't really know that much and then I think that would be a relatively good start lah


ya like I mean you see the question about like should I invest in the financial adviser should I invest on my own honestly it's dependent on you like do you have the knowledge


can firstly do you have the knowledge if you don't can you build up the knowledge if if can ya


ya I mean normally I will recommend people to start only when they actually earn like proper adult paychecks and a lot like whatever we earn, you know


ya you will I mean you get something you may get something back but ya


I guess I mean like as long as you're like let's say you are investing like four hundred five hundred a month your returns will still to be relatively high if you put it in the right place but but if you are only able to invest like hundred two hundred a month don't lah it's okay just


I mean nothing stopping the person cause at the end of the day yes he will earn a bit but like it's it's not like a it's not like an amount where you'll be like !wow! thank god I invested get what I mean like if you just be like oh okay great


yes and no again it, it's about like your knowledge ah so like if you are going to be the type of person who looks at something going up and then you like oh it'll do well then ya it's gambling


uh (hmm) as in I I disagree slightly cause okay technically speaking if you buy low and you sell high there is no way there is no way that you don't earn it's just that


again disagree like it's not it does work like if you wanna reap like high rewards buy low sell high can work


it's just that if you're talking about a good investment strategy for your future it doesn't make sense cause it's very short term and it takes a lot of like you have to keep your eyes on it all the time you know what I mean like you cannot just leave it there and then take it out it has to be like


like, every minute okay maybe not every minute but like every hour you must look at it eh did it go down did it go up did it go up, that kind of thing ya , so like it's a it's a good investment strategy if you are like a trader


like if that is your income then ya maybe it will work but like if you are talking about an investment strategy where still working as we're doing something else it's very it's it's not it's not that it doesn't work it's just very hard to do


say if you're saying buy low and sell high ya correct but for you to actually be able to buy low and sell high very hard


is when you don't know where okay let's say we go to a casino okay if I know like okay let's say you are playing blackjack and I get my two cards and I can tell you right it's definitely above eighteen will you will you continue play


you may get you will either get eighteen nineteen twenty twenty one eighteen nineteen maybe still can lose but twenty twenty one confirm can get like once in a while right but that's only if I told you I know I can get eighteen and above, but the truth of the matter is you don't know right you can get a fucking like two


when you don't know what you're doing and you're just investing blindly that's when you're gambling ah but like if you know if you know what's gonna happen like


okay like a lot of people at the start of the year their investments when COVID happen they immediately pull out, but technically speaking if you didn't pull out right do you know that your investment is actually fine at the moment so like let's say you had invested something start of the year by now right whatever you lost during that COVID period would have recuperated if you had invested in the right things


ya economy as a whole everywhere suffered so like I'm talking about like technology or healthcare everything everything went down but the thing is it goes back up, so that's where the knowledge comes in uh like do you know investment how it works or not do you know how the economy recovers do you know that just because there's a recession doesn't mean you lose your money because technically speaking okay like you know the two thousand nine the lehman brothers ya do you know that recession


I forgot the I forgot the details of it but that recession right the economy recover within nine months so meaning whatever you put in before that nine months wherever it was at within nine months


around there it was about the same


ya is honest isn't even about forecast is do you know how the economy works in general and that and that's just like base level, ya so from there okay how does the economy work then from there where do I invest then only you can do it by yourself but if you don't know you have to go to adviser perhaps what's the problem with advisers they're not all trustworthy


so it depends on who you cause honestly they just want your money what whatever you give them they get a cut from it so them asking you to buy, the problem with advisers right okay so how do I, put it ah okay in every transaction as a win win so let's say if you go to uniqlo today and you buy a T shirt you can look at the T shirt you can feel the T shirt you can try on the T shirt then from there you know that confirm I gonna win


that's why you give your money because it's worth that amount, in financial advisors like basically they ask you to buy but you will never see the outcome


and if you see the outcome, more often than not especially if it's health insurance you're not alive anymore , or you're not or you're not doing very well ya, so it's either accident or some kind of serious illness or death ah ya so a lot of people don't want to look at these things


even like even investment you're investing for what you're not investing for like two years down the road you want to go to like ibiza or something it's ten years down the road I want to pay down payment for a house you don't we the common man doesn't have that kind of vision


which is why, as a financial adviser you have a lot of power to either, like earn the trust of someone else or manipulate that person to do what you want ah and the thing is more often than not a lot of people go for the bad way because easy and that that's why it's very hard to like trust a financial adviser I feel lah


(mmhmm) I suppose ah honestly if you want a good financial adviser get a good recommendation


uh thumbs up, , part three negative experience, , okay buddy so time to get serious


so, oh oh you know this one very well actually I think the point in my life where I really felt like


the most anger honestly the most injustice was, ya so I, I think sec three I applied for student council , and then the application date to submit was like on a wednesday


but that wednesday morning like early morning like two three something my grandfather passed away so the the thing is even though he passed away my mind should be focused on the fact that I just lost my grandfather, I still told my mother please call the school and tell them I cannot submit the form today


which she did and they said never mind put uh bring it on thursday, so the next day even though my grandfather just passed away ah I went I passed the form on thursday I went to the office they said to leave it on so and so desk but so and so was on MC cannot control that right


so on friday , on friday, uh I couldn't make it to school because that was the day where you're supposed to like in hindu customs you're supposed to spread the ash in the sea


so I couldn't make it to school but I came back later for when the council interviews were supposed to happen and at that moment is when one of the council teachers her name is miss doreen Tan, decided decided to to take that opportunity to scold me about the fact that I made it so hard for her


to to know whether I was coming or not firstly she never contacted me, like because you know we use phones this isn't like nineteen nineties like, it was twenty twenty twelve all of us had phones she could have called me she didn't she said that she walked over the way from the third floor to the fourth floor to find me but couldn't because I wasn't in class which I had a actual reason for


and she just like berated me for about ten fifteen minutes and honestly if it was me today I felt like I would have said something but back then because I also wimpy and like, full of nonsense ya


and I mean even even then like still trying to get into council so me fighting back against the very teacher who's in charge of being, like in charge of selecting me ya so I was just really pissed off by that and like I mean you and the rest of the gang heard heard it what like legit I was so angry and the thing is I didn't even get into council I was just like !wah! this is and I knew it wasn't full of nonsense because like


like okay this might sound biased but like based, on on the other people that I was being interviewed with I knew my standing like if you were looking at the interview but some of them got in and I didn't and I'm like I I don't mind that I didn't get in but if they if they got in then I should have got in right ya sounds


ya and and it's not like she was a young teacher she was like forty something years old like she should like if you are telling me that this is the kind of caliber of teachers who are still in the workforce who are actually getting promotions and her level was quite high ah from what I remember like her teaching grades and stuff like that


ya student development or some nonsense that the vice principal gave her just to make her feel good but like it was really like, it really made me think about like a very carefully about the type of teachers that were in our school like that one that incident really made me just question everything


oh right right yes


ya and the funny like uh there's something wrong with the teachers there lah honestly,


yes it's ridiculous lah honestly like honestly the old the old guard of teachers at SST ah they were really good but


after after #chew wai lee# started ya after the vice principal started bringing all her croonies in ah !wah! SST just became unbearable


ya though


you know aurelius Yeo, ya, sad lah, okay have you ever wanted to get revenge


(mmhmm)


oh ya ya, ya


I I want to say the same but no I'm quite I feel I feel like I'm quite vengeful but only in my head cause I don't really act on it ya but like


ya, but, I mean the closest thing the closest like the one where I actually wanted to do something right was when my ex girlfriend


hacked my instagram account ya like it okay like ignoring the fact that that's already quite a psychotic thing to do it's more of the fact that she deleted, all my photos, and it had it had a lot of memories like I was that was that was the one thing I was saddest about all my memories were gone like yes firstly firstly she deleted it right before I was supposed to promote scarlet


that was already a pain in the neck but the worst was all those memories gone, like memories that she had no right to take away from me


ya, ya and then she used it she used it to like DM guy like DM her best friend's ex to like make it to prove that he's cheating of it's so weird like ya and it's it was I didn't like it lah honestly it was it was a very low blow


ya, actually disgusting is a very good way to describe it I was just like ya and the fact it and also the fact that she lied about it for two months


ya that like basically at every point where it may have been a redeemable situation for her and us she took the other choice and I was just like what were you thinking and like even if I had blown up I would have had every right to but I didn't


and I kind of regret not blowing up because like I don't think she actually knew how bad I felt about it


ya lah I mean it's like a it's like a closure thing you know right it's not like I did I it's not that I want to blow up like physically is more of like blow up and like say what I was actually thinking ya ya like


I was just swoosh like, I was so shocked that I was polite but if that makes sense, and I was like oh it's okay uh don't worry but I don't think you should like talk about it anymore like instead of just being like what the hell are you doing it was I that that whole period was just like a really weird period lah


okay so moving on what kind of person do you hate the most,


, (mmhmm)


it's okay hate will hate, , for me it's just arrogant people, people who are very cocky people who cannot admit, they are wrong just it's like the air about them pisses me off


like I cannot I cannot Tahan this kind of people, like you just there, ya why can't you just be nice you know like why must you be so entitled like there is no reason unless you were raised that way then I guess I can give you the benefit of the doubt but you've lived long enough to know that


that's not the right way to live right like I mean okay like you know maybe when you're when you're young I understand but when you're older it's just a bit, not unforgivable lah


, yes so that's all folks don't live in a bubble of illusion


okay thumbs up, part two positive experience


so Ronak let me ask you what what was a memorable moment from your younger days, ya I feel I've I feel like


no dude that wasn't me it was #vivic vivic# broke the measuring cylinder


okay firstly I I feel like I have to correct a lot of those memories so when it's when it's the one hour break before biotech right we only can eat at mcdonald


ya, how could you forget man okay what are some


ya basically whenever there wasn't of like whenever there wasn't biotech we went there, okay !wow! where do you even begin okay so like first memorable experience is when cause I we found out we were in the same class but then I didn't know you that well but Vivic knew both of us quite well so then we went to Subway at Clementi mall


and then you ordered the the sandwich it like at each station you change accent, I will I will never forget how shameless you you were, within


ya dude during JC became so so shy, I was very confused then there's there was the there was the time where we went to uh OBS #pulau ubin# bro fucking uh I mean


freaking barker , munshi barker, ya we were in munshi, (mmhmm)


nine millimeter bro the thing was built like a freaking weapon the one we kept we kept pretending it was a gun then then one of you pretend I don't okay this is, it sounds like we're ten but we were fifteen you you pretended to shoot me and then I threw my head back dramatically and then I hit a metal bar


and I nearly gave myself a concussion , then I remember I remember there's a praying mantis that nobody dared to go near


or in the tent , where I hug you until you suffocated slapped Curran and then kicked Azim


ya eh why ah do you just bully him that much, , but we were so exceptionally harsh to him


and now he's like the most successful, dude I always honestly like I think during army days when I became more reflective about myself like one of the things I felt quite badly about was


has it how you treated Azim cause like like if if like we never meant harm but we do know how it made him feel you know


I mean he's still okay let's be real he still looks like a dweeb okay he didn't change anything it was just it just the bike once he takes of the jacket and helmet he's the same old Azim


, no lah okay the only ya the only the only thing I'm


I'm sort of like thankful for is the fact that he still I mean, okay if we really treated him that badly he wouldn't be our friend now you know what I mean he wouldn't want to hang out with us ya


the resist what dude he's he's he's he's really beta okay let's be real, even even with his many a woman


wait #azim azim# didn't do this right I really hope Azim didn't do this cause then they can like cross reference and find out who Azim is , ,


oh ya he has his own that's true oh that's even worse ah, ya okay basically I move a lot when I sleep so when I turned left ronald was there and then I hugged him until he couldn't breathe which is why he


ya then I as I turned I slapped on my friend in the face and then the last the last friend who was sleeping at our feet first I don't know why why would they sleeping at our heads that means so much


okay ya so like no not saying we sleep next to each other so it's like three of us parallel and then Azim is perpendicular right but instead of him sleeping at our feet why didn't he sleep at our heads


okay I also remember that in our tent there was a millipede and all four of us all four of us


pubescent men young men didn't dare to get rid of it, and our instructor ya who was like shorter than us was just like what the hell


I realised we stayed at the we stayed at the first prom for very long, did you have a pet before, I don't think you have ya you never right, ya I also never no no no never I think apparently my like in australia when my mum


like when when I was still a baby my mum had two fish it was ziggy and zabel but one hot summer day they got boiled, ya not not like on purpose like it's just the the light hit a certain way and then the fish died


, yucks gross, it's a very uh hot and, I mean it wasn't mine


Azim ah the pet is Azim is it,


it wasn't a golden retriever that is such a your friend wasn't very creative right


(ppc) , you know you know the sad thing I just realise the entire indian gang ah nobody got bad


okay lah I'm pretty sure maybe one of us has a fish lah Azim doesn't have a fish that's the one house we've been to the most , probably bernard lah bernard or it's not daniel daniels house don't have


okay okay maybe daniel's house outside has koi from what I remember but like I don't know about now


I mean you wouldn't come back after a tiring day and go to your, koi pond and be like hello koi, ya , (hmm)


Faid why would you ask me that you already know the answer to this okay I assume for yours I might be really wrong, but


!wah! I'm either going for like naan and butter chicken or like subway or subway


powered by J okay, !huh! you


are you are you saying these just for the recording or you're being serious


what nonsense what the hell that's like me that's like me saying oh my comfort food is actually vegetables like what, would weren't you the one who said that you don't like chinese food


you know, I'm quite sure is here


!wah! okay okay


honestly I have a lot lah, I think I do lah I think I do


no but then it's like very close ya, like I don't think I've ever ever said no to pizza


like someone could be vomiting right in front of me and I will still eat pizza, , as long as there is no contact between the vomit and the pizza like it's clean pizza ya


okay dude you've said that about like almost everything, , it's very rarely that I eat something that I chose to eat and be like oh no this is such a bad idea,


dude would you suggest fat fries lah let's be real, is is mum is bacon aglio, ya my mum's one especially ya


which is probably what I'm going to have for lunch later like not gonna lie ya cause downstairs quite cheap is like six dollar plus, no it's the pasta store like it's called pasta express then you can like choose your ingredients and your sauce everything then it's like with student discount and stuff is like only five plus six plus


ya SMU better than NTU bro


in a university in a university that's you got pay school fees or not


hello ya why who else would I be talking to , no I'm just say that if they are making you pay that much for the food means you probably never pay school fees


that sucks for you I guess sorry bro come come to SMU, this is not in malaysia like your school not that there's anything wrong with malaysia it just that it takes a long time to travel there


oh Amoi oh ya ya ya there's this there's this roasted pork #char siew# rice that you can like, that you can add meat add rice is, still five dollars that was I was quite happy about that


during like internship (mmhmm) ya and then, I ate it every day then like the people I was with was like are you okay like like you shouldn't be able to eat this much this consistently


ya okay okay last eh !walao! uh okay last thirty seconds what is a skill or ability that you are secretly proud of having


well I was really expecting something more entertaining than I can blow air through my mouth nicely, I can whistle !wah! uh uh I can click my fingers very loud no I cannot but I don't know I don't have a skill you give me a bad answer I give you a bad one also lah


wait let me just start off by asking do you do any trading and if so what is your trading strategy, uh personally I've I don't do trading but I've seen a lot of friends and people do trading themselves and they told me stuff like uh it I don't know if it's relating to stocks but they basically buy low sell high kind of thing ya


ya for trade, uh for me personally uh what I do is I look for uh


stocks which have uh based on the news and market that has been going in the current uh economic climate I see what the future holds like be uh what the economists forecast for their particular company or whatever and then based on that I split the whatever capital I have and do different kind of stocks


so say for example space X, uh previously as wasn't as high I mean it had a good amount with Tesla itself, but recently with the launches uh for dragon crew spacecraft and all that and then its starlink missions it has boosted the the share price to way higher amount


so that is what economist actually forecast beforehand which is why I bought some stocks in that so I kind of go according to what uh most economic uh sorry economists forecast based on the companies , that that's my personal uh strategy what what do you do


ya


I see so you so you basically uh idea is uh long term investment compared to like the quick jumps that are happening right now


fair enough ya, so if like if uh if uh, whereas with a normal uh uni student like us with not as much capital to start off like little cash will come to you to say that how do I start and uh investment journey so what would you recommend them


I see so like from what you're saying cause I I don't I'm not well-versed in this uh dollar cost averaging concept but from what you said uh correct me if I'm wrong is that don't invest your full amount in one time period but split it over a variety of time periods so if anything like uh anything uh volatile happens


that big sum doesn't get lost so only a smaller portion of it gets lost cause the rest is still not invested


okay okay


ya I think I think that's a it's a really good advice for someone who just started off especially people like us who who don't have that much income or money in uni itself


ya it's true because if you don't have the knowledge and you invest uh how do I said it really rashly in this kind of thing right you can actually lose more than you can you gain so it's actually a risky business you have to understand the whole market first before you do anything like this


because the I I think if from what we invest from what we have right now like a small amount you won't get that much back also right


because like not not what you're expecting when you hear investing in stocks and stuff like that


ya okay


true then here's the thing when uh a lot of people have been saying that gambling itself uh sorry not gambling but investment itself is like a form of gambling


ya so


ya exactly ya because though that's that's exactly where people fall down like if you uh for example any market right now because of all this is happening it's volatile it goes up goes down it's you can't like there's a commentary you can't trust the stock market


so if you just make rash decision like oh okay I uh like there's a prompt here that saying that uh


okay, oh no no ya you definitely earn but it's the fact that you don't earn like you maybe you want a couple of cents here and there because the like based on what you buy but you don't earn that that amount which you can properly uh study invest and and wait for a longer period of time that kind of thing


so basically as with constant motion like just is all along with the ride okay I see


no no I understand ya true, (mmhmm)


so so where do you think it crosses the line, to gambling itself like where where where is the so called imaginary line drawn that it becomes gambling and then it's considered


(mmhmm)


true true shock , ya ya true I know I understand


okay okay nope


ah yes yes yes, based on that you can make the ya


nah nah yes


ya ya ya now okay okay that makes sense ya


ya true true I get this very highly it's if you want to get a financial adviser in the first place you should have like at least a a decent decent uh what is it called, idea of of the market and investment so that I think that that'll actually wraps up how uh going back to the question of how uh you would recommend the student to uh invest and all that


that's good as a whole ya yup (ppl) perfect yup yup right


, part three negative experience


yes yup yup uh eh okay uh is there an event uh that happen anytime, until now that made you really really furious really angry to a point where you've never felt before


ya ya


ya you didn't have the the confidence and like I won't say confidence but ya I understand where you're going


they got , there are as from from uh from the time I know you like uh since uh secondary school I know that you have the like honestly you have the capability to make it council straight away like those people who are in council currently you are a lot better than them and to this day right all of us


no not all but most of them like you have you can match their standard easily like you have the capabilities straight away you still have like I'm not I'm not uh saying you don't, but to this day like me and the rest of the gang also we, uh rest of the group of friends yup we


we still can't like we still can't believe that she actually, denied you the opportunity because of a very like a very valid reason you had like by your side you are one hundred percent right by the way uh that happened like you need time to process these things you can't just straight away let go and then move on and stuff and she didn't give that so called cushion of thought


no no no she was ya ya, she was she was and also she was a well if I'm not wrong she was a head of something right like a subject ya ya


true true, uh for me it's actually along that the same lines not in the lines of student council but uh it was during cricket itself uh I think it ya uh there was this one uh incident in uh I forgot what year it was but


there was incident where we had this uh school games like like merely just a couple of games to play with other schools because I for the cricket team since I was part of the cricket team, and uh I was a captain back then and we we didn't go for first couple matches then the next few what happened was the the day before a few days before the next match my grandfather passed away also


so it's it's that that's that's why I meant by the same line and uh what happened was since that happened I know I I think you can relate is that we have our own rituals and stuff and obviously he was like one of my favorite and it, even though it was young it it kinda process uh little faster than than my brother cause he was he was young enough like but for me I I could feel the the loss like straight away


so when that happened I told uh I told my vice cap and the other other members of the team as well as the vice, no no the second teacher in charge not the first cause I tried to contact the first I couldn't reach him so I contact the second teacher in charge and told what the situation was and say I couldn't make it for the for the match itself that like that one match


the next match was a a week or two afterwards I couldn't make it for that match I was like okay then uh what happened was after we came back to school, he he no one no one replied or anything everyone was like okay okay okay then I was like okay so it's settled they understand okay let's move on then it came to a few I think a month or two later when we all consolidate back like I came back to school normal uh school days and then he had like this uh so called the the teacher in charge


the main teacher in charge he had a so called meeting or something uh for the team so I went there and that's when he just straight up started shouting and scolding and stuff #arkil arkil# knows this very well because he was there also, and he starts to scolding me and saying that oh you cannot just miss games like that and and do all that then I at that point of time I explained my situation I said I I contacted the rest of the team I contacted the vice uh not the vice but the second teacher in charge


and then he was like ya everyone loses everyone but that doesn't mean you can uh just miss matches you should come here because you are the captain and stuff like that and that point I really got but obviously like I was furious because, it the the fact that he said that oh everyone loses everyone you you can't just uh sad you have to pick yourself up and move on I don't care what what happen to you but you should be you should have been at the match you should have been as a captain and lead the team by example


I was like but I understand that fact that you have to move on but it was very recent like just days within the thing so that actually made me extremely furious but back then I couldn't say anything like you said like I think is just cause, we were young and we just didn't know how to approach the situation internally but internally I was I was actually really mad and then because of that


I got stepped I got kicked out of the captainship uh cause I I just just cause of that incident, then he used that same incident to uh how do I say bring like every time anything good happens he brings up that incident and then demotes me back to wherever I was uh doing it and everything and the whole team the whole team did understand the situation they did try to talk the teacher in charge but he just he just wouldn't listen


no no it's I I completely because where from what after your cause I'm sure uh what happened to you happened uh earlier than me so after it happened to me also then I I completely understood where you were coming from also like I could feel I could feel the pain


it was like I I could feel what you were feeling at that point of time also, ya ya ya ya there there was a change ya


oh yes yes yes oh man just really good really good and then mister who was that uh desmond was it desmond Lee the IT IT guy with uh Azim and seamus, I'm sorry mr #yeo yeo# release you ya ya oh yeah he was he was a good ah but then another group came in and then ah that's gone


okay so yup, uh have I ever wanted to get revenge not


I wouldn't say no no not that I can actually I was I was definitely like I said angry at at uh a lot of instances like until now but, not to a point where I wanted to get revenge in the sense like I I at that point of time I didn't know how what what revenge was like how to get revenge


because in in in the shows oh they'll say I'll get revenge by uh without uh violence but obviously that is not that is just shows and movies like that when people think of revenge they think of oh revenge and violence they will fight back that kind of thing but it also can be in the sense of uh I guess for lack of a better word demoting someone


or or, building yourself up to show that oh uh what you thought is is not what I am, maybe I didn't put that way I I I guess you understand ya so I I am actually better than this to prove yourself or prove the person wrong ya okay that's that's the phrase okay uh honestly I've ya I've to this I don't think I've had any uh time where I wanted revenge I was just extremely angry just took it in and then and walked it off how about you


ya ya I know I understand, fair ya I think ya that's that's the same along like it's it's in all it's all in the mind but it's like when even when you're not act upon it right it's like how do you act upon it like how do you get revenge uh things like that I know I understand


yes yes yes ya


hundred percent I mean this this is that that is the one reason why we take pictures in the first place to look back cause you can't you can't rewind your your like your memories and all that so that is the one thing that can help you like from the pictures itself you can kind of


ya ya it's it's it's really ya I as in, ya


no I I not no I completely understand where you are coming from it's it's, like there's no word for this it's just disgusting like the behaviors and ya, so good, ya no no there ya no I understand


ya (mmhmm)


no it's true it's true but uh on the positive side of things it's it's kind it's good in a way that you didn't blow up because you might have done certain things or said certain things that you might have regretted afterwards but in the sense that it in the sense that you ya ya sorry


ya explain yourself that kind of


what, I was I was actually looking at the same uh question uh I would say the type of person who's actually in in simple in layman words right is to put the type of person who is actually ignorant


like just completely ignorant in the sense that there are there have been times where uh there's this one incident in uh secondary school, eh no no not secondary school sorry JC PW PW we all have to do PW project work and in that uh you know how hard it is to get consultations with the PW teachers cause consultations is a one thing you need in PW to get your your grade or to get your project a really good a good standing


and uh I this this teacher had a slot based system which all the teachers have so you just write in your slot you slip it in and then uh continue with it, so what happened was we we put our timing in we put everything and and it's not like we ask him last minute we put it a week before which is just the moment he puts his week schedule we run there we go to his uh they call it was it pigeon hole or something ya


we go there we put in our uh uh slot and then it's like okay we are done we are set we got a meeting for this week let's just uh look forward to that, come meeting day uh we waited for him all the time the time was I remember very clearly it was two thirty PM so come meeting there was no lunch no need everything was done two thirty PM we were waiting for him at the exact spot which he always has his meetings


we're waiting there two thirty two forty five two fifty no one came so one of us decided to go up to staff room staff room he wasn't there then while we are coming back the canteen is on the way so as we are walking back we saw him by himself eating a whole bowl of uh noodles or or whatever he was eating


and he he when we're walking back he just stared at us like me and uh another guy who went to look for him in staff room he just stared at us and then continue eating and walked back, then we started uh uh we came back and then we told the rest of the group what the situation was and then the guy came and the teacher came back with fifteen minutes to spare usually the the consultation is an hour and after that there's no consultations slots for month because everything is booked


and he came back with fifteen minutes to spare uh to to uh for us to consult him and then he just came and said oh uh uh, I didn't know you guys put your name on the slot itself and, uh I I I you know I was just a bit hungry so I just went and eat so then he just say okay uh for this kind of whatever project we have oh for this just


just uh improve it there's no proper clear suggestions at at all he just like oh just improve this uh make this smaller make this nicer put more references that's it nothing that helps us in the project which we already know, and the fact that ya and the fact that you can't get consultation timing and the the main reason which I think he did this right is something that I okay there might be rumors or something but


is is the fact that we had a foreign exchange student in our group itself and he did not like our group so he did this on purpose, which there are a lot of uh examples and and cases for that which I'm I'm not going to say right now but it's it's this kind of people that actually really I I like I really hate like okay I'm going too much you you go on now is there any hate here


hate ya


no no I ya ya I get I get where you're coming from


no no it's true it's true ya, ya ya ya no it's it's it definitely pisses like this arrogant peoples also I think is the second one that pisses me off or not pisses me off but it it really I hate this this type of people like just accept


that what you did was wrong and don't live in a bubble of illusion that's it


, okay part two positive experience


, uh I I it's too many to count and the one of the best times was in SST itself eh in sec three and sec four with the whole gang


and we used to run not not run but we have to walk fast to a subway in uh was it I think singa poly right ya across and they go there and then we saw some


stuff and then and then that cost the whole thing, you think , with you know who, and uh but is the whole fact that we went to subway and then we just chill eat with Vivic also and came back and then you broke the beaker twice


and also the the measuring cylinder or something , was it you or was it Vivic oh ya okay okay so you broke it twice oh man and then we had rodney Mo saving our saving saving us


any any either, it's alright, ya, oh so it wasn't subway is it


oh, oh ya ya ya ya okay okay now I remember eating something but I don't I I kept thinking subway cause of that swimming pool, take , I'm sorry I because we always but we did we did used to go to subway also subway and uh KFC


ah yes yes (uh huh), ah , ya ya I remember that


, , where were okay ya ya, it changed a lot, , ya I don't know I don't know what happened man it's it's like it was like extrovert to introvert to extrovert again that kind of thing it was like a whole swing a rollercoaster kind of thing


uh uh uh, uh ya ya do you, ah, oh, oh yes yes yes oh


no no what was that uh the uh the name of the whole thing no OC uh OCS right, ah yes yes yes Munshi barker and then we had the nine millimeter uh key chain, remember


, I, ya ya , oh you banged it so hard ya but I was sitting like quite a a far from you and then the metal pipe I could feel the vibration to where I was sitting it was that hard oh


, in one tent who was, uh, wait who was who was in the who uh , I kicked #azim azim# was at the feet okay okay


I I I think, I think ya I guess but it was ya I mean it was banter it wasn't I I won't say bully it was just banter, ,


nah nah I think he he loved it he was, oh chin now now looking back I kind of feel, oh no I feel bad ya


(uh huh) ya, oh ya man, ya true true but uh I mean now he has he saw his all the bike outfits with the bike and the gloves he has changed his whole uh


uh no no no , , just as in , ya I was I was gonna say he has everything he has changed everything outside inside that helmet and the costume it's it's it's the same but I but he I I hope he doesn't change I the the he that he is right now right is the best


ya no no true true ya


I think I think he likes it he's like he's just like he likes the resistance a little bit, , no no okay no okay for lack of a better word, , I mean beta,


oh well, oh god, no no no I I I know where you're going with this and I agree I completely agree !huh!


, no no no if #azim azim# wouldn't have done this because if he goes to the negative side right he'll talk about us kicking in the face, and and just to clarify we did not kick him because we are bullying it was we were sleeping in a tent together and it just so happened


that would, I I I couldn't I I was I I thought I was gonna drown cause if you were right next to uh what ocean or something of the sea


, , no because because we didn't have enough space we literally like barely had space for all of us to


cause we had like the, ya ya, ya, no but okay just just to uh clarify this right I think if I recall correctly right he's the one who said that uh guys it's okay I'll I'll just sleep over here you guys can sleep straight but I'll sleep a bit further and be careful when you sleep I if I'm not if I'm not wrong he said that


ya, oh no , and then there was the the female yes yes yes


, and then she after she she just took it with her hand flicked it away and then she just looked at us and like guys are you kidding me, oh man I've done I can't forget that


uh oh I wish I had a pet no no I always wanted a pet but no I have never had a pet ya never had a pet before have you you also have not right ya ya, I I had


(uh huh), what the , chuck (ppc) jesus okay, no no I know it warms it oh my god


, that turned dark fast , so though but that was a that was a memorable uh so called pet experience I I, had a, ya I had had a pet a fond memory of a pet which is not mine but was a friend of mine like a really close childhood friend of mine


and the sorry, the no no no you , it was a dog and then like a like a proper dog not like callings dog it was like uh I think primary school friend and uh he had this pet and his his pet's name was goldie and it was like the the cutest thing ever like he had but he had to put


yes yes and, oh no no no he wasn't but but the dog itself right the way like every time we come like we had sleepover at his house all the time so every time we go to his house his dog would run up to us and he knew each and every one of us like all the friends group


and you just played with him he had like this uh pollen uh pollen uh allergy so he used to used to sneeze every time and then the dog sneezes right !aww! the best cause it's so cute it just like go eh, eh and then sneeze up that's that's the only


fond memory I had of his pet ya I can't I can't uh replicate the sneeze but, the only way I can I can only imagine it and think about it ya, what


oh my oh ya , ya ya you have some of some of us has to take the bait and then get get a pet the first thing it can be a fish also make sure the fish uh is not boiled again


I think the same as a fish, , where who who do you think has a fish, err, bernard no no I think daniel that daniel daniel seems like the guy who would have a turtle or like a little turtle not a fish


, ah yes does that count as a but I don't think that counts like a pet like like uh or does it I don't know, you


you dip your face inside like !hey! guys , , oh man, so okay uh but ya there's nothing much about pet but one thing I like one question I actually want to ask right is what is your comfort food and you can always rely on they can cheer you up


any day why they don't know, , , ya ya okay yup let's let's let's guess each others ya


okay okay, okay okay that's that's that's not bad that's not bad, as in there are definitely


uh comfort foods I want I want like they're definitely comfort foods but it's not the one I would, really go for like like I'll just go for their food you won't expect this you won't expect it you won't expect the answer you know what it is, the


that is a no that is a no man uh, , uh it's carrot cake , , see I I told you you won't expect it it's uh it's carrot cake yes any day anytime I know I know I've eaten carrot cake from almost every place there is possible in singapore and I know like the best places so it's always carrot like if I'm if I'm down okay that's it just order carrot cake oh go ahead eat carrot cake


, no no I'm I'm actually legit like yesterday also like I I was like like a lot of quizzes everything I just finished I was like no I don't want to do anything went down, bought carrot cake came back up like it's always carrot cake,


I'm not joking I'm not , well no it's bruh seriously I love carrot cake and it it really cheers me up, , what no


ya I no it wasn't me bro , oh ya no no I think it was I I think it was uh I remember where this conversation I think it was uh Vivic or Aqil one of them is cause they they add a lot of uh I don't know think was it veges or something which Vivic said he doesn't like


but for me right I don't know about uh chinese food is is uh I definitely like it but the best like I said comfort food is carrot cake hundred percent, okay wait let me let me guess yours ah I knew it but then I do you have one or you don't have


you have a lot you don't have a one that it's just just there like you close your eyes is there, uh okay let me see is it pizza


is close right okay okay I know pizza you love pizza but (ugh), ya no that I don't think anyone of us has and is hundred percent


okay nah nah that's too much man that's too much, , as long as the pizza is clean ya, oh man I can't what else, there's there's uh oh what's the thing uh hot wings


hot hot hot wings hot wings, that's all lah because there's one day you were eating hot wings you were like !wah! love this man I loved it so much


actually ya fine ya ya ya, what what else could it be, , I know I know veges is a is a straight up no so that's not gonna be it


uh, what else could it right I can't I okay there's pizza there's, fuck bacon what #aglio olio#


oh okay no no there somewhere around pasta but I I didn't okay that's good that's good but the the bacon, you're having that for lunch


as in you go to western stall and saw the sign,


that that that is that I these prices should be in unis you know that that simple meal right no no I I completely agree that that same meal right which you uh described in NTU it's eight fifty straight up there's not cheaper on that, it's ridiculous and I'm I'm sure this one taste much better than that one ya ya ya just for that the simple !huh!


, like are you are you talking to me ya okay


no no someone just walked by you got pay school fees or not, , uh, , oh nah nah nah I as in they won't they won't check like if you paid school fees or not oh your your not pay okay for you this pasta is ten dollars


, no no no it's as normal you know the portions you get at the stalls and western western stalls eh eh normal uh food food stalls ya the the same portion is eight fifty, ya I know I know I know


okay , eh eh eh please eh don't, nah okay I know I know but eh don't do NTU bad like that man don't do it don't do that , , SMU eating in the middle of the town all good right


then how, is I you guys are like right next to a bunch of really good places to eat like not in school like out of school, especially what's the the place called in over there I I will I always go to uh not around SMU but uh Amoy street the the I as in in that area cause that's where the


all the people like the business central is ya near CBD not not in orchard, ya ya odd, oh yes yes yes yes, at Amoy right


ya that's a lot of food for five dollars you know, ya actually, , you're not gonna,