"இத பண்ணா.. மாச கடைசியில் பண மழை கொட்டும்..!" - Finance Expert Eye Opening பேட்டி

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Behindwoods O2

Behindwoods O2

Күн бұрын

Пікірлер: 187
@BehindwoodsO2
@BehindwoodsO2 8 ай бұрын
Subscribe - bwsurl.com/bo2s We will work harder to generate better content. Thank you for your support.
@Vijistakies83
@Vijistakies83 6 ай бұрын
No back round support 3000 salary 2004 ல கஷ்டப்பட்டுதான் வாழ்ந்தோம் சேமிச்சோம் இப்போ 2400sq land la 4bedroom house with carbarking,second hand car,ponnu marriage kku 50savaran jewel ippo yengaloda salary 45000 but 15yrs big struggle for my life....இது கூடவே 2 குழந்தைகள் 1குழந்தை CBSE படிப்பு இன்னொரு குழந்தை கல்லூரி முடித்து உயர்கல்வி செல்லும் நிலையில் இப்போ இரண்டு வருடமாக தான் நல்ல மனநிறைவான சாப்பாடு சாப்பிடுகிறோம் ஆடம்பரம் நம்மையும் நம் சந்ததியினரையும் சேர்த்தே அழித்து விடும் பல இடங்களில் நான் பார்த்தவை...
@jagans357
@jagans357 6 ай бұрын
How to build in this 15 years challenge tell about
@Valarmathi269
@Valarmathi269 6 ай бұрын
Nice...
@Vijistakies83
@Vijistakies83 6 ай бұрын
@@jagans357 நிறைய இழக்கனும் மனசுல இருக்கும் ஆசைகளை கட்டுப்படுத்தனும்.ஓவ்வொரு ரூபாய் செலவையும் அத்தியாவசியத்திற்கு மட்டுமே செலவு செய்யணும்...உறவுகளின் பல அவமானங்களை மனதில் நிலை நிறுத்தி வைத்து கொண்டு உழைக்கணும்...
@joyfullifestyle3731
@joyfullifestyle3731 6 ай бұрын
Good sir
@bashyamsathyanarayanan4015
@bashyamsathyanarayanan4015 6 ай бұрын
மிகவும் அருமை
@ABK_TRZ
@ABK_TRZ 8 ай бұрын
கடன் வாங்குவதை தவிர்த்துக் கொள்ளுங்கள், அது இரவில் கவலை உண்டாகும், பகலில் தலை குனிவை உண்டாக்கும். பணம் சேர்த்து வைத்து தேவையை நிறைவேற்றுங்கள்.
@abthurrahman8108
@abthurrahman8108 7 ай бұрын
நபி ஸல்லல்லாஹு அலைஹி வஸல்லம் அவர்கள் கூறினது பொய்யாகுமா.... Al hamdhulillah.
@sreemediasalem5744
@sreemediasalem5744 4 ай бұрын
Super
@uniquefashion5424
@uniquefashion5424 4 ай бұрын
Yes true
@Natures784
@Natures784 2 ай бұрын
கடன் வாங்குறது தவறில்லை அது நமது லாபத்திற்காக இருக்க வேண்டும்
@koorishvlogs6811
@koorishvlogs6811 8 ай бұрын
Rent 1500-2000 super ... Tent la Dan a Valanum
@jayashreedeenadayalan4905
@jayashreedeenadayalan4905 7 ай бұрын
😂
@IndiraniM-m6x
@IndiraniM-m6x 7 ай бұрын
Correct😂
@katrathu_kaiyalavu-rvk
@katrathu_kaiyalavu-rvk 7 ай бұрын
Bro tent rate yeee 2000 kku varathu...😂😂😂
@priyakarthic1406
@priyakarthic1406 7 ай бұрын
😅
@ABK_TRZ
@ABK_TRZ 8 ай бұрын
Don't buy anything in EMI, buy one by one, this month one thing another month one thing like this, high value means save money 2 or 3 months then buy. This is am following.
@muthumari9294
@muthumari9294 7 ай бұрын
சிறு துளி பெரு வெள்ளம். Concept
@NishanthaSubramaniam
@NishanthaSubramaniam 7 ай бұрын
Yes bro, but less salary/ high value Target.
@ownown775
@ownown775 4 ай бұрын
சுருக்கமாக சொல்ல வேண்டும் என்றால் ஆசை தான் காரணம்.
@rakeshpipada
@rakeshpipada 6 ай бұрын
Average is 25k va Mine is 1.1L p a approx average with engineering Have been pushed to change jobs every 2-3 years😢
@kitchencuriosity72
@kitchencuriosity72 8 ай бұрын
After Anant sir's rise as financial expert, Nattula punnakku vikraen, kundoosi vikravan lan financial expert nu vanthuranunga
@shri2947
@shri2947 7 ай бұрын
Yes. Anand Sir told to keep gold as emergency since we are emotionally will not sell gold. Money on other hand doesn't have that emotional hold. 3*monthly expenses we can hold in gold.
@kumarchinnusamy9271
@kumarchinnusamy9271 6 ай бұрын
I'm sorry. Anand Srinivasan is not a financial professional. He is basically an Engineer. This Satish is a real financial expert. என்ன செய்ய? இந்த உலகம் உண்மையை எப்போதும் லேட்டாகத்தான் உணரும்.
@Valarmathi269
@Valarmathi269 6 ай бұрын
Sathish is a financial expert...
@rekhamadhankumar2966
@rekhamadhankumar2966 4 ай бұрын
​@@kumarchinnusamy9271super..original piece doesn't hv value .
@ngktamilchannel1547
@ngktamilchannel1547 7 ай бұрын
Good thank you sir,,
@ramganesh6671
@ramganesh6671 6 ай бұрын
For those who are interested, you can learn and try tailoring...
@savithrykumar3837
@savithrykumar3837 8 ай бұрын
Arumaiyana viedeo padhivu Nantri Sir & Thanks 🙏👍
@keerthiholic3809
@keerthiholic3809 4 ай бұрын
Yellaam okay... Aana namba yevlo thaan plan pottaalum hike in prices is killing us😢
@raksabb
@raksabb 7 ай бұрын
Appadi enna Anchor vizhyandu ponaarnu paakuraen.. Araicha maavae araika poreenga.. Aana thumbnail la ennavo pudusa saadicha madiri poduveenga..
@narashimmakumar2930
@narashimmakumar2930 7 ай бұрын
Please understand value the every state(country) money, this guys are diverting force of people, All must know the denomination value, and dont spend money use money more than you earn money, budget your expenditure not you salary...
@Soman.m
@Soman.m 8 ай бұрын
ஜயா Extra expenses. எதிர்பாக்காத செலவு 15-20% வந்திடுது...
@shri2947
@shri2947 7 ай бұрын
Hotel Movie Tasmac Cigarette Online game Ithula 20% waste panrom
@VaRawHee
@VaRawHee 4 ай бұрын
​@@shri2947பங்கம் 😅😅
@baranidharan792
@baranidharan792 3 ай бұрын
Marrage Dead Medical Police fone😂 It's also extra expenses sir
@lalithaprakash1371
@lalithaprakash1371 12 күн бұрын
Thank you sir for giving such financial awareness goal orientated advice
@brahmasmind
@brahmasmind 6 ай бұрын
Pick just one EMI or SAVING and FOCUS. Let me tell you the TRUTH. EMI is a TOOL for WEALTH creation if you using it CORRECTLY.
@indiradeviparthiban9018
@indiradeviparthiban9018 8 ай бұрын
Very good speech
@yora2520
@yora2520 7 ай бұрын
Yes still never bought new model mobile only bought after 6 month only also never grossed 15k budget this is simple way like we can fix our spend Use wisely credit card if you had it I can affordable to buy i phone without EMI but i never did holding currently 11k mobile
@lithinnerfking215
@lithinnerfking215 8 ай бұрын
Gold is the least investment plan..these ppl investment in the best thing, but they always suggest gold investment to ppl..hmmm
@kumaranbarathi5190
@kumaranbarathi5190 5 ай бұрын
Naan sikkanamagathan vaalkiren..en salary 10 thethikulla 0 balance aakiduthu...mukiya kaaranam loan
@Madhavi-c8o
@Madhavi-c8o 6 ай бұрын
How about buying a second hand car sir
@harsidhaammu3931
@harsidhaammu3931 12 күн бұрын
10k -15k salary dhana....save panamudiuma sir.....
@SridharBabu12
@SridharBabu12 6 ай бұрын
Monthku 20 daysa mathanum
@Arimakarnan
@Arimakarnan 5 ай бұрын
😂😂😂❤
@VaRawHee
@VaRawHee 4 ай бұрын
அடேய் 😅😅
@Muraliarm
@Muraliarm 3 ай бұрын
😂ஆமா
@KadersultanKamalbatcha
@KadersultanKamalbatcha 8 ай бұрын
Useful sir...Thanks sir
@yathubites107
@yathubites107 8 ай бұрын
Chennai la home investment is not good now. Because of poor infrastructure like drainage
@karthickraju6683
@karthickraju6683 8 ай бұрын
எந்த இடத்துல drainage வந்தாலும் 10 வருசம் அப்பறம் அந்த area நாரிடும் ப்ரோ😂
@commonmank
@commonmank 7 ай бұрын
Iam going to invest in home town.podhum da sami😂
@SpreadPositivity..
@SpreadPositivity.. 8 ай бұрын
Velaiku pona, maasa kadaisila sambalam poduvanga Apdi matum than panam kottum 😂 vera epdiyum kottaathu 😂
@shadowboy7218
@shadowboy7218 Күн бұрын
😂
@r.roshinisheetyr.roshinish9056
@r.roshinisheetyr.roshinish9056 6 ай бұрын
Nice and very useful information sir❤❤❤🎉🎉🎉
@SuperSARBUDEEN
@SuperSARBUDEEN 6 ай бұрын
ஏற்கனவே வருமானத்திற்கு மேலே கடன் இருந்தால் இது எந்தளவிற்கு எனக்கு உதவும்?!😢
@baranidharan792
@baranidharan792 3 ай бұрын
2 part time job.அந்த பணம் வீட்டுக்கு.மீதி கடனுக்கு
@ragowgaming2167
@ragowgaming2167 9 күн бұрын
Enakum
@ShanmugavalliMeenachisundaram
@ShanmugavalliMeenachisundaram 2 ай бұрын
Thank you sago 🎉🎉🎉
@SMRMOHANRAJ
@SMRMOHANRAJ 8 ай бұрын
கடன் இருந்தா எப்படி சமாலிப்பது இதிலிருந்து எப்படி வர்ரது
@sureshkrishna2208
@sureshkrishna2208 8 ай бұрын
Kadan adaikamal vazha mudiyadhu padu pattu kadanai mudingha. Aprm dhan edhuva irrundhalum plan panna mudiyum
@Kattumaram339
@Kattumaram339 8 ай бұрын
மேலும் கடன் வாங்காம இருப்பது தான் ஒரே வழி செலவை குறைக்கணும்
@benedictjoseph3832
@benedictjoseph3832 8 ай бұрын
To be honest in india main reason is conservative culture and social demands....which puts men and women into debt..such as forced arrange marriages.. expensive weddings...too many guests for wedding...parents dependent on kids..no social security... peer pressure to make children after marriage.. peer pressure by relative and parents to buy house.. this is the main problem I see in Indian society...it was relevant long back but not anymore.. marriage should be a choice and should not be forced by parents..in western countries this is why they achieve financial independence so fast...on top of that companies in India are not governed by labor laws.. that is why they misuse employees for lower wages etc.. another big problem in india...is population..
@eelamtamil7621
@eelamtamil7621 8 ай бұрын
If you have gold sell and pay your loan
@selvaganapathi4560
@selvaganapathi4560 8 ай бұрын
Vattiku konjam timing vangi asala pay pannirunga
@prasanthps4180
@prasanthps4180 4 ай бұрын
Good information 👍
@MeenaMeena-bg9og
@MeenaMeena-bg9og 7 ай бұрын
Appa thangam vilai kuraiuma
@bagyalakshmi3531
@bagyalakshmi3531 8 ай бұрын
Entha savings la podalam nu vidio podunga sis
@sivakkumarnamasivayan1696
@sivakkumarnamasivayan1696 8 ай бұрын
Use this mam Must needed 1. Have a term insurance to cover the life of all earning member in the family 2. Have a health insurance for 3 lakhs After these premiums, follow these 1. Have at least 6 months of salary in fixed deposit, till you reach this money, save it in RD to start with 2. After this emergency fund, you can start saving for goal based.... It could be for a, kids education b, kids marriage c, house d, car For any goals that you have date beyond 5 years, save in equity mutual funds For less than 5 years goal, save it in liquid and debt funds. Mutual fund investments is preferred on monthly investments thru SIP (systematic investment plan) method. Have some in FD also. Disclosure, I learnt thru my experience, I'm not a certified or authorized advisor
@bagyalakshmi3531
@bagyalakshmi3531 8 ай бұрын
Monthly savings bank la sis entha maari potta safe and intrest kidaikum sis sip maari
@bagyalakshmi3531
@bagyalakshmi3531 8 ай бұрын
30 years ku potta evulonu irukila sis atha solrengala my son it la so..... savings la potta payem illa irukanum athn sis
@kumarchinnusamy9271
@kumarchinnusamy9271 8 ай бұрын
​@@bagyalakshmi3531Invest in mutual funds madam.
@GokulP-f2u
@GokulP-f2u 8 ай бұрын
People keep money in bank, can be a savings, fd, Rd. But bank use that money in share market and easy make 9% return in long term and gives 7% return to us in fd, why can't we invest in mutual funds directly ? Over than 5 years we will get 12% return for sure.
@bhuvaneshshakthikumar6037
@bhuvaneshshakthikumar6037 12 күн бұрын
Words not make investment
@brahmasmind
@brahmasmind 6 ай бұрын
First of all, don't worry to much about the DEBT, look at the BIG organization they are on the debts but still generating income...HOW?
@mindrelaxation6333
@mindrelaxation6333 6 ай бұрын
Bro they can easily write off their loan with the help of ruling party both Bjp and Dmk
@tcs2020
@tcs2020 6 ай бұрын
Nice content
@brahmasmind
@brahmasmind 6 ай бұрын
Gold raising when currency and share market starts losing thier trust in main media.
@AnandMechanic-if2pz
@AnandMechanic-if2pz 4 ай бұрын
Its a media business they just need this video to reach high views...it can be done by projecting the overall mindset of the people...my takeaway from this video is how majority people are living their lives...its intersting to steal the business strategy and converting it into a general knowledge
@How-e8c
@How-e8c 7 ай бұрын
Thambi sotta Manda sambalam yepadi karayum .... Selavutha agum
@rajprabhakaran3377
@rajprabhakaran3377 7 ай бұрын
Kena koo😂
@How-e8c
@How-e8c 7 ай бұрын
@@rajprabhakaran3377 ne thana
@frenchbeard5940
@frenchbeard5940 3 ай бұрын
Sovereign gold bonds we cant withdraw within predefined time wherein ETF any day we can withdraw
@Bose24
@Bose24 7 ай бұрын
Post Office Account ஐ வைத்து Demat Account Open செய்யலாமா sir.....
@extempore637
@extempore637 6 ай бұрын
8:20 no
@Bose24
@Bose24 6 ай бұрын
@@extempore637 thank u sir
@magudeswaran.pgovtservices3989
@magudeswaran.pgovtservices3989 6 ай бұрын
No
@NishanthaSubramaniam
@NishanthaSubramaniam 7 ай бұрын
So you guys didn't tell me the 4- c story / how you will go to that much with 10 percent, certainly it will take more years.
@Raja-tt4ll
@Raja-tt4ll 8 ай бұрын
Super
@trading_investor
@trading_investor 4 ай бұрын
Sir 15500 Rupes month ene panuradu😔
@SkillsDeveloper9088
@SkillsDeveloper9088 2 ай бұрын
Post office rd scheme la join pannuga..5yrs aprm amount interest serthu kidaikum.
@soundarrajanrajan477
@soundarrajanrajan477 8 ай бұрын
💐
@azharudeen1989
@azharudeen1989 5 ай бұрын
Neenga vechirukura thumbnail kum avaru sonnathukum enna sammantham iruku
@bagyalakshmi3531
@bagyalakshmi3531 8 ай бұрын
Entha savings la benifit
@vijayk5610
@vijayk5610 8 ай бұрын
Mutual fund
@madavisaji1338
@madavisaji1338 7 ай бұрын
How to buy etf and sovereign bond
@kayalvizhi1840
@kayalvizhi1840 7 ай бұрын
Soverign bond is waste investment idha pathi parunga
@vigneshtube1936
@vigneshtube1936 4 ай бұрын
Irukura salary la vazhntha pothum
@vishnuvarthan7373
@vishnuvarthan7373 7 ай бұрын
Om, cream, ice, cream antha 4 mantras இது தான் 😅
@ShobhaShobha-kk8ob
@ShobhaShobha-kk8ob 5 ай бұрын
Yarupa nee😅😅😅😅
@aishuaishu323
@aishuaishu323 2 күн бұрын
😂😂😂😂😂😂
@gowthamkumar7488
@gowthamkumar7488 8 ай бұрын
SGB comes with lock in period of 5 years, so it may not work well if investing from short or medium term.
@mp-nz6io
@mp-nz6io 8 ай бұрын
No lockin for sgb. It can be sold even next day.iys listed in NSE and BSE
@sivasinstruction
@sivasinstruction 8 ай бұрын
He is wrong about gold price. He don't know what he is talking about.
@Viji_nkl
@Viji_nkl 8 ай бұрын
no check the rate in google fro last 10 year and compare with inflation rate
@vasumathichidambaram4374
@vasumathichidambaram4374 7 ай бұрын
Can we avail home loan. Is that beneficial as per inflation, land appreciation, low interest, tax benefit??
@shri2947
@shri2947 7 ай бұрын
No bro. Better invest for 10 years using emi you proposed to pay and buy the property with cash. Example 25000 emi means 25000*120 months 30 lakhs investment will fetch 75Lakhs.
@dhoninichu9851
@dhoninichu9851 4 ай бұрын
​@@shri2947 things don't workout that straight forward dude... Will need to pay the home rent and can only invest the balance amount... The right way to decide is to see how much is the Home loan EMI vs the rent you have to pay.... In my case rent was 12k but my EMI is 18k for buying the same apartment..so buying home was the best choice
@sasulifestyle
@sasulifestyle 7 ай бұрын
Sir my salary 9000 thousand how to save sir
@kumarchinnusamy9271
@kumarchinnusamy9271 6 ай бұрын
முதலில் உங்கள் சம்பளத்தில் 10% (Rs.900) RD அல்லது Mutual Fundல் மாதந்தோறும் சேமிக்க ஆரம்பிக்கவும்.
@Justchill-dv1jz
@Justchill-dv1jz 8 ай бұрын
Yennoda salary 30000 Yennoda saving 15000 Idha correct.... Neenga sollra maari panna kaila 10 paisa nikkaadhu..... Yae salary ivlodha nu manasula fix panna konjo amount dhaana yeduthutu thirumba pottudalaanu oru nenappu varum.... Yeduppom aanaa poda mudiyaadhu...... Adhe salary la sari pasdhi odhukitomnaa andha amount romba perusaa theriyum next month idhe amount potaaa innum namma kitta neraya serndhrumenu oru aasa manasula varum..... Adhudha nejamana saving..... Selava kattu paduthuradhu saving illa sir..... Saving aasaya thoondanum..... Yenna control konja naal dha apro ada pongapaa nu manasu vittudum aanaa aasa yedhirka nikkira yellaathiyum mulungidum....... Adhunaaladha sollre saving aasaya irukanum..... 15000 quotation Rent 1500to 2000 Rice,oil,paruppu ,Ration item Government school Tuition parent solli kudunga Extra curriculum activity ku KZbin is the best platform.... Highly recommended.... . Market ku vaara sandhai.... Ore kadaila 3 maasam vaangunga adutha maasam unga kadaila dhaane vaangure rate korachu podunganu bargain pesunga..... Idhukku mela idha padikkiravanga saamarthiyam...........
@sangeethadevi322
@sangeethadevi322 8 ай бұрын
Superb
@Justchill-dv1jz
@Justchill-dv1jz 8 ай бұрын
@@sangeethadevi322 thank you
@sujathakarthik007
@sujathakarthik007 8 ай бұрын
💯💯
@ramganesh6671
@ramganesh6671 6 ай бұрын
For those who are thinking about salary is less, my suggestion is to teach tution to the near by kids Or students
@NaNa-cq8ck
@NaNa-cq8ck 6 ай бұрын
correct'u.. 50% illenalum atleast 20-30% starting'laye eduthu vachutu michatha vachu thaan samalika kathukanum..
@srjr2230
@srjr2230 8 ай бұрын
1 cr investment ethula pannalam
@kumarxtreme1986
@kumarxtreme1986 8 ай бұрын
En kitta pannunga 😂😂😂
@kumarchinnusamy9271
@kumarchinnusamy9271 8 ай бұрын
75% Stocks & Equity Mutual Funds 25% Fixed Income (FD & Debt Mutual Funds)
@balamurali874
@balamurali874 7 ай бұрын
Nanum ready 😂😂😂
@ramganesh6671
@ramganesh6671 6 ай бұрын
Put it in FD, atleast you can use interest as salary
@relaxtime1584
@relaxtime1584 4 ай бұрын
P
@srinivasan-om5kk
@srinivasan-om5kk 8 ай бұрын
50% சேவிங்ஸ்
@EsakkiMuthu-yr4xtyr4xt
@EsakkiMuthu-yr4xtyr4xt 7 ай бұрын
20000
@benedictjoseph3832
@benedictjoseph3832 8 ай бұрын
India's population is the problem here..no one talks about it..its becoming bigger and bigger..and now we overtook china also.. so i pity 2k generation because jobs are becoming lesser and lesser.. but expenses going higher and higher.
@nethajiamarnath6900
@nethajiamarnath6900 7 ай бұрын
Salary 18000 per month
@SkillsDeveloper9088
@SkillsDeveloper9088 2 ай бұрын
Post office la rd scheme join pannuga or gold scheme la jont pannuga
@Rishvanth_176
@Rishvanth_176 6 ай бұрын
Motivated ! ❤❤❤❤
@Freedomcitizen123
@Freedomcitizen123 8 ай бұрын
Salary 10k tha
@ramganesh6671
@ramganesh6671 6 ай бұрын
Try to learn tailoring and earn extra money... Try to take tution and teach the Nearby students..
@ilk881
@ilk881 8 ай бұрын
How and where to invest.please suggest
@sivakkumarnamasivayan1696
@sivakkumarnamasivayan1696 8 ай бұрын
Refer my response to earlier post
@kumarchinnusamy9271
@kumarchinnusamy9271 8 ай бұрын
Mutual funds
@Spareways
@Spareways 7 ай бұрын
Na like panra ore visayam neenga kudukra vilipunarvu than
@AGM_Traveller
@AGM_Traveller 7 ай бұрын
enaku 15k than salary 😢
@kawinrajsundar8807
@kawinrajsundar8807 4 ай бұрын
Save 1500 (10%)
@VaRawHee
@VaRawHee 4 ай бұрын
ஆனா செலவு இருபதாயிரத்துக்கு இருக்குமே? என் இனமடா நீ. 😅
@AGM_Traveller
@AGM_Traveller 4 ай бұрын
@@VaRawHee Ada amapa🤣🤣
@hannahreizl2019
@hannahreizl2019 4 ай бұрын
Loosu mathiri pesatha..50 varusham munnadi gold enna rate ..eppo enna rate..paithiyam
@srini3100
@srini3100 27 күн бұрын
Money eruntha gold vangalam girl baby eruntha vangalam mathapadi savings ku vangurathu waste
@manigandandhananjayalu6528
@manigandandhananjayalu6528 6 ай бұрын
Boss 4 kodiya 😮😅 ponga boss
@shri2947
@shri2947 7 ай бұрын
In future SGB will be taxed. Dont worry😂😂😂
@saranyasaran1414
@saranyasaran1414 6 ай бұрын
SGP puthusa irukku...😢
@easykolamtamil7021
@easykolamtamil7021 5 ай бұрын
Irrelivent headlines
@syedali6117
@syedali6117 5 ай бұрын
Yov kiruku thanama pesathaya.
@RJ....44
@RJ....44 2 ай бұрын
Ennoda salary he 10000 than monthly than da 😂 15000/ 20000/ 25000 /50000 vagurava Ellam Raja vaalka vaalalam
@madhanmadhan4370
@madhanmadhan4370 5 ай бұрын
Sambalam karaiyamal iruka nalu manthiram….-thumbnail Oru maiyuru manthiramum illa selavu pana ma iruntha ve karaiyaama irukum
@kalaraphy1292
@kalaraphy1292 4 ай бұрын
Ea kadavulay...unna paaka mudiuma
@privatenumber8410
@privatenumber8410 6 ай бұрын
Sorry I don't agree with most of his suggestions
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