I I cannot recall I think err I cannot recall what is the name of the restaurant ah right now off my head I I really can't I tried but I couldn't remember but, uh it's near the fish place near pikes place where this a is a restaurant in under one of those mall


but I I the thing that made me remember it until today is the kind of services given okay this person that saved us that served us I mean they are called waiters but I think he's even more than that he could be a motivational speaker for for for what I care that serves food


a motivational speaker that serves your food how's about that I'm just setting the stage right now you know a motivator a motivational speaker that serves your food in a restaurant, and I say that is because he's level of service is !wow! okay let me just set the set the set the senior for that matter so you know for a fact that instead they go by tips


right I mean they have their service tax and all that lah but at the end of it you have an option to leave tips and it's a culture there okay it's a culture there it is not like it's not like here where you know you feel like is obligated lah you go to a restaurant Kena service charge really #gao picabo# already that kind of thing


but down there is a culture you know you give more tips for a job well done okay, and how much can one person earn in tips in that sense and this server this waiter know that we are out of towners okay I mean they can tell lah a group of asian walking in into a restaurant in the middle of seattle for that matter confirm they know that it's a it's tourists lah for that matter no but this dude came in he served us


he he he he greeted us very cheerfully good afternoon ladies and gentleman welcome to the restaurant blah blah blah what can I get you I'll be back you know the way he says it it's very natural it it makes you feel very comfortable keeps it makes you feel very warm


and this is a total stranger that you meet for the first time you know imagine being that friendly, per say when you move moving into a a to a new place and and you are greeted that way alright and again how much tips can they earn in that sense ya we are I just want that to to be at the back of your head as we talk about this


so he went all out bro he went all out you know he had a conversation with us our food order is actually like a a get to know session, you know he will like go to my friend you remember mark you know you will talk to mark eh mark where are you from blah blah blah and then he he jibes on it he he he he he he brings out more information mark talks about himself about his origins where he's from in in in in sabah and all that ya


and then he said okay so you sabah people what do you have in mind for for for food what do you like to order for today and that's how it takes your orders, it was like about three to five minutes for five of us in that restaurant so even that experience of ordering food was very entertaining okay then after we are done ordering he goes out he does his stuff you can see them running around in a restaurants and all that being is busy self and all that as wel but when the food comes to us


okay you I kid you not okay I kid you not he came okay, when he serves to mark which he knows he's from sabah okay he says here mark #apa khabar# I hope all is good this is your food we're like woah okay he melayu to mark you know that kind of thing then he looked at me because he knows that I'm a melayu for that matter as well you know and then he said ah #makanan ini sedap#


so, everyone five of us uh I mean there's one uh most of them are chinese I think I'm I'm the only malay for that matter as well but he made introductions in malay, in chinese with everyone of us you know


at yup yup, exactly exactly so after that there be already in awed you know and it makes, the the the whole conversation of lunch at that time I was all about him okay all about him so he comes in pre drunk prerogatively to check


how's everyone you know #apa khabar semua#, #semua baik# he said that no bro I'm not I kid you not he said that an all that and then on his last round okay before err we finish our desserts and all that ah okay and I we saw that the restaurant is a bit empty and all that he came to us and spend time talking to us


then we asked him lah how did you know all of this he said that's the power of google he says you know and this time what all that, for a moment that he spend like maybe two minutes was so googling the the phrases eh coming into us for that matter, and on and all we were very entertained seriously he was I mean there's so much


in acting that you will see you know for a fact someone if he's not sincere you can tell it from their actions but these dude either he has dared to an art where he can con other people okay or he's really sincere for that matter as well alright


exactly and we weren't we weren't we thought it was crazy you know we thought it was crazy but all of us left him a ten dollar tip ten us dollar tip you know, five of us that's like fifty bucks from us for that matter as well and that's even like hm way more than than than than the the goods and the the services tax that is already in the bill for that matter but we felt


good parting with our money now my question and the reason why that to me is a good example lah is that !hey!, he doesn't have to do that much to work on tips, you know we're probably going to we're probably going have him a tip anyway because there's a culture and we want to we want to stick to the to the cultures for that matter as well


but he went beyond and above dude I mean to freaking google all the phrases in melayu and in chinese and then to actually greet us that way it takes effort men so we just where we are we were more than willing to part of money and I think it's a job well done


you know I talked to the voice I talked to the err to the to the group and I said !wow! all that for a tip I'm a but but to me personally I feel that it will take more than just that is a job requirement, to do what he did you know at because I think that he's more than that ah he's just more than just a job requirement per se or instead of of of of you know err err


something that he has to do to earn a living you need to come from a place where you are genuinely sincere in order to do that would would you agree on that


yeah yeah yeah yup


!wow! why no right it's it's, I don't know man to me in singapore it's like, I don't know to me is that when you walk into a shop the way they approach you you can tell somewhat whether is it genuine or is it just, like oh it's part of me my boss is looking at me I need to meet and greet you that kind of thing you know a simple is a simple salesperson that comes up to you and a store at essays hello sir how can I help you you can tell that he's sincere or is it a KPI


you get what I mean


true true, yup yup but just throw until today is like I I I I won't forget it and and you know what it has come to the point where even for me ah


the next time I actually go into seattle I will go and look for him hopefully he's still there, it's been like what coming to more than five years since I have last been there and you know with COVID and all going on right now and we're not too sure how long more err before can plan you know


yeah we'll see how that goes lah we'll see how that goes uh but for the meantime I think err we will talk about COVID, the first thing is going to happen for me, personally once the borders in malaysia is cleared right I probably do a drive up to KL there bro


I mean there's so much that you watched food videos on youtube ah mcqueen's or who is the other food ranger or that kind of thing when they go on,


ya I know what you mean so anyway, so that is the that is the the the very positive experience that I have that that I went through that that that there will always be with me for a long time lah or always with me fot a long time I I still question you know how much do you do


okay to be sincere and how much do you do in order to meet a KPI this guy this guy has blurred that lines, it has blur that lines totally for that matters ya


, uh perhaps perhaps, yup true true true well yeah there you go


yup so anything else, well the zero the the zero shoes that you had for that matter as well are are they still now the same pair or they are lasting


uh I guess


err ya of course err, you know


I do have a saving accounts it's only, usually for, the only reason that I have a banking account it is because I need my salary inside it, and, uh honestly yeah


and to pay bills, other than that err other than that personally , I would not have a savings account, uh because I've always been a cash person,


this happen they honestly this happen like uh, when I was hit with the credit card problem, you know, and ice I don't see, honestly I don't see


any other, reason to have a personal banking account other than these two these two reasons lah which is one to receive money from your employment and two to pay your bills, and, banking online is so much convenient now


that , that I use it almost for everything, for all my bills payment, previously this is what I did, uh, I will actually withdraw the money and the go to the AXN machine AXS machine sorry no I will go to the AXS machine and pay


all my bills, via that method and, then subsequently I will withdraw the rest of the cash from from my bank account, because honestly I don't see a need for my money to be sitting in a bank, uh


alright uh, I I mean it it's redundant I mean after awhile it becomes, redundant in my in in it you know from from my point of view becomes redundant that why would I need the bank account when I can have my money in cash, and then I walk around with cash in my mind in my pocket because I pays I pay


I do not use my ATM to pay for stuff, unless it is more than fifty dollars, anything else you know ah, we're not big we're not, okay we're not err we don't have, err money going out of eight years so to carry fifty I mean minimum I have


at least forty dollars in my, pocket, and which covers


then ya then my question to you would be, err what if you do not have access to your money, err give you an example


you know, worst case scenario we're talking about worst case scenario of course you know people would say singapore is you know perfectly fine but in the event that, you are talking about digital lah ya in the event in the event that there is a power you know the loss of power for the entire island


what then, okay I'm not talking about worst case you know I mean I'm not the doomsday preppers back you have to look at it ya you have to look at it from uh from that point of view that if you say yes I agree that you know, it's not putting


all your eggs in one basket, have cash lying around in your house in a safe secure place that you only know, that is enough to cover for an emergency, err you drive and


let's say tire punctured, how want to buy you go to the your card is decline or the ATM is nowhere to be found then what then, you see so, I'm speaking from experience where I'm left with uh I've been caught with my pants down that I do not have cash on me


to make to make any payment you see, so, so how you know so I understand, where you're coming yes I do have not saying that I don't have err a savings account where I save the money yes I do


but err, on the flip side you know you you do need to have that financial security that you know you have, cold hard cash accessible to you at any point in any day in time, you see


so that's you know that's my opinion in terms of


ya but if okay if you if you say that you know cashless society and what not yeah the the the dependence on being cashless uh, you I believe that you have to have, err a balance between


having a card that, allows you to pay make cashless payment in this COVID environment, and, the accessibility to cold hard cash as well, so never leave home without cash in your pocket and your credit card


those are the two things that I always do to make sure that I actually have you know money physical cold hard cash, to buy something in the event that I need to buy something, you see, because you know I shop at the local stores


err, the mamak shop downstairs it doesn't have a it it doesn't have any ATM, you see and another practice, that I err, do is I always withdraw, , small denominations


I do not carry I don't I do I don't like giving a shop or a shopkeeper fifty dollars for him to change it's unfair to them because they don't have to, access to you know do they have access to, err err, what you call that err to going to the bank to changed small denominations and all that so


you know that something I do on a


they do but it's negligible uh, err the interest you earn at the end of the year or at the end of the month is negligible in because of given our status another err, the amount of money that goes in the bank and out


makes the interest negligible, you understand, uh of course we are talking about your main account if you are talking about your savings account that is a whole different story altogether yes you have money sitting there for a longer period of time but then again given the is the yiu know the emergencies and what not that that amount fluctuates as well


so your your interest doesn't amount too much lah


, I have nothing I've had nothing but I've had nothing but bad experience I mean I I I can probably okay I can, probably save this for for the neck the the topic uh under finance bad experiences because


err but of the, err, just to answer that question uh, I, having having that having had that experience with credit cards changed totally changed my outlook towards


the credit card err the industry as well and the need for it and actually has changed my my spending habits it has change, my uh the way I look at, err, it goes back to me having cold heart cash in my pocket uh rather than depending on a card to access my cash so a debit card is the one that I use often now


not a credit card I do not I've I've never had I've not had a credit card, for the last ten years, I've not had a credit card I have not applied for a credit card in the last ten years because of the problems I had


previous ten years where I've maxed out, three cards, and accrued debt of over, what was it I think what, no no no, ya five figure sum let's for safety reason okay five figure sum which took me


which took me about ah god I don't I can't remember how long to pay off but you know


the responsibility will be in paying it back that's the responsibility


I think it's I think that the reason you and I fell into that trap, was we were not properly educated we didn't have I think did this we are talking about about thirty years ago when everything was everything was new our parents didn't have credit cards so they didn't have the knowledge to educate us on


the the pros and cons it was I mean it was so new and we grew up in that that


and and uh it takes people like us who have gone through that to the to hell and back to educate in my case would be my children uh, uh the about the evils I will I wouldn't say even I mean like you said that there are always


owning a credit card, it comes with a certain amount of responsibility that you have to make payment not just not just the interest by understanding that you also have to make the principal amount payment as well


so those are the thing things that we will never thought, I mean we went to to accounting school we learn err insurance and stuff like that but I believe you know from an educational point of view that, you know err school leavers


have to have a bit of, to be thought that and , the the pros and cons of earning out of having a credit card for me for me it was totally err, a status thing it was a status thing


you know because we grew up you now the five c's we everyone was chasing the five c's, I had I had the amex I had the visa, I had the, I had two visas and then I oh no sorry I had a visa oh I basically I got the the the the full sweet lah you know mastercard visa and and the amex


and , you know but one thing that I mean it was a very good lesson in that sense painful, but, at least I can go back and you know tell my children that you know these are the things that you should look out for and


it was a painful experience but one that I won't I've promised myself not to, make and, because of that I have a I have I have actually had to to rethink the way I'm


had you know, spend the way you know


okay okay


oh definitely definitely it did, yeah, okay, , given that I've got to I I'm in, I've had one previous marriage and I'm currently in a in a recently re-married


that I've never had I I never had any joint account with either one , not a, why didn't okay the first marriage I don't know I cannot remember why we didn't have a joint account but we didn't


, this okay the current, with my wife now I don't have a joint account because, uh, there wasn't any need for a joint account I mean of course lah because


we were, okay the reason why you would have a joint account cause we are both divorcees and why not having a joint account is so past year it's not it's not a requirement for a marriage uh to have a joint account


ya I'm okay you okay, I I mean if I if for if I were to advise somebody yes you of course


each each individual will have their own personal account the joint account in a marriage would uh, entail purchases that require, that is required for the house that is adjoined thing


okay you have I mean both of the couple is staying in the house so everything in regards to the house the the mortgage or the the the purchases the bills and what not you know everything you lump up into your


in you know you make your contribution into the joint account for this bill payments and what not, then there's the other joint account where they collectively put aside money for vacations and stuff they do together but


they they must have their own individual accounts, for their own personal expenses


bullshit , and it applies to more it applies more to women then I mean if I will tell girlfriend


so uh no female friends or my daughter and what not always maintain your own account separate from your husband boyfriend or whoever, because in our in our patriarchal society where men are seem to be


the uh uh, breadwinner in that sense, that, they don't have their own savings and, then what happens in the divorce you you end up with no money you know everything is held by your husband and or your boyfriend or whatever women must be be empowered to to manage their own money even with my wife now you know she previously she said no you take care of the money for me I said no you have your own account


I will tell you you know you manage I will take teach you how to do it, and then is like you know teach a man to fish he will eat forever you know instead of giving him a fish same thing you know it's, I think you know the whole the whole scope of what we are discussing like now is finance is an educate is a topic that is not


negative experience, okay alright


yes national day , okay I've never I've never use


wait they're they're expecting you to do the work okay okay okay I get where this is going


and they don't


two dollars plus you're talking about grocery okay


two hundred, bro you are talking you are you are talking about economies of scale here


, yea yeah it is it is I'm not saying it is isn't


yes,


yeah I would not I would not use that service again if it was me I would not I would not have


but but but I think I but I think honestly gi gi gi given what you've just said I think it's scam, because if you're like I just said if it's it's an economics of scale so so every every buyer


who orders and you know you orders five items you just, to the matter you know everyone orders five item everyone was only delivered four everyone pays by paylah that's three dollars per item


no one makes a claim because it's too much of a hassle to ask for three dollars, yeah ya lah but, that's the thing you see that's you won't you won't let go but the normal person would say ah fuck it lah oh excuse uh bit yup


uh this is this is


is it , disconnection , , well


you do tap you going to tap, you should bring it up to guess you know guess has to know this this is they I it's it's not a okay I at


ya when the entire nation an an entire foodpanda users you know don't claim that three dollars it's a lot of money you see


No I mean I would I would just flag this to case and and you know don't I mean I understand that you need to to support certain certain people who are in pot foodpanda and what not but, this is this is this is err for my opinion is a rip off you know I would not


support an organisation that that that does this kind of things you see


I would say okay would be similar to my experience with singtel okay , certain companies you know from experience certain companies after they reach certain level okay foodpanda is new and what not the this is that's why I say it's a rip off because they're new they're doing this blatantly to steal you know three dollars from each customer okay


my experience with singtel is that they, , they don't value customers in the sense that, ah okay lah not only singtel lah although I'm a loyal customer to star and all that err


they are, certain things previously starhub didn't do which is, err loyal to their loyal customers, you know how they give all these free stuff to new subscribers and new but they forget about the people who have been with their with them from day one


so with star was that I made it known to them that you know I've been your loyal customer for a very long time I have all three services with you for the longest time, but why is it that everytime did you have something new


it goes to new registers new new customers that sign up with you what about us who have been with you do we get rebates and then I think there was a big hoo ha for awhile that a lot of people said this and they actually took the feedback to heart


and they now do give back to to loyal customers and all of them lah but it's a proactive thing that you need to do, to get that, that benefit up from an organization my bad experience with singtel is what they will jump on you the moment you don't


pay on your on the day that is, that was my beef that's my that's my beef with singtel that's like, I used that was with them for so long but the moment I didn't pay on time, I had a cancel it I my my service were not even a red letter to say say you haven't paid this amount for this month it is total cut off


pay first then we will reinstate your, your line back that was how bad, not even a wong ya ya not even a warning letter and then it went on for months that's when I decided enough is enough I am switching telcos and I've been with starhub for so long


and you know the the, yea singtel is one POSB is another, err big companies that, have of, my loyalty for at one point in time in my life but they have lost all, trust in in in you know in me being their their their customers ah because


the moment you grow too big if you you are seen as a number there's there's no customer service and what not going back to the initial conversation that we had about banks and all that, I've been and uh the only reason why I I'm with a particular bank is because of


err all the other banks you know, lost my trust, you see , I owe it to OCBC because , you know, DBS and POSB can have all the ATM in the aisle on the island but everyone of them will have a damn bloody queue


I can tell you I can very easily go to an OUBUOB or, OCBC ATM to go and get my money but, you go to a DBS you have to wait at least five minutes before you can withdraw your money, it is so, that experiences like that uh makes me


get turn off, from ever using them ever again


it ya economics of scale you know


it's a scheming lah it's like scheming


ya I would have stopped bro I would have stopped at one, I would have stopped if you told me about this I would have told you you know don't don't


so have you had have have you ever had a bad dining experience, given that your seattle one was so great that you had a bad one in singapore


do you have had what's your bad experience in singapore, dining wise, you go out because I I'm leaving this to you because you go out and eat I don't, you take your parents out for Makan and all that so


wait which one is that which place is this


oh okay


oh you prepaid ya okay so ya okay, no assistance rendered


okay


okay, ya it could be ya


oh is that oh that that is that is my wife that is my wife favourite uh mee soto stall at adam road ya I think I think


you know


(err)


positive, positive experience, okay Azahari you know, okay you know my problem with shoes right


do you know do you know, okay uh, running shoes okay so so lately okay when I restarted, okay brief background about my running uh


NS err reservist you know we all had this this err new balance, shoes that the the government gave , ya and during that period I was in my I was in my what you call that the my financial funk okay so I couldn't afford any branded running shoes and stuff like that so the the the


this this err this err scf, running shoes with the go to shoes for running lah so bo pian to run, wear that shoe so then I realise that uh I was having issues I mean I was getting blisters I was getting uh


uh, it wasn't a very experience that's why I hate running so when I met my wife ya so when I met my my my wife then she ask that, err, she wanted she got asthma and she wants to run so rather bopian got to find shoe okay so my go to shoes were I mean go to brand


is adidas but same problem uh got blisters and not very comfortable, so I read up on uh, the different type of shoes and I realised that I have very broad feet and I very high arc and there is no and there is no shoe currently in the market the back then I think about five years ago back then that


catered to my kind of feet you have brought brought fit with, the high arc and then I stumble upon running err err barefoot so I did research and all that so long story short I


zero shoes okay so zero shoes is, brand a brand from the US uh, uh made by people who have the same problems with me like me and we have broad feet and because if you see a running shoes they're very tapered and and narrow and the front which is very bad for me and for my running and


this zero shoes is I can tell you bro it's, it's amazing it's it feels like okay, ya I am okay it's that they're they're they're selling point is its a zero drop meaning it's not like your normal uh the sole is not the sole is basically one flap


not like your usual running shoes that go up and as a thick layer you know like if you are running with a heels one you don't it's a it's a zero drop it has a very wide toe box for your the front of your feet and


it's curved the front is you you don't you don't get this this pointed front like you have for all these running shoes it's actually follows your toe and then it goes down so that, I've been okay I just recently got a pair previously I was running with the sandals uh


which was a different set of issues but this one is a shoe so it's like running with flip flops because uh of its the thinness of the the the the soul so you can feel the ground but you are protected


you see, so a I, brought wonders to to to to the whole running thing it's a, I don't I don't get get blisters uh it's comfortable my my toes are not scrunched up and


mind you it is not cheap but it is as it's a it's almost as pricey as a, branded ah no the adidas and the next and what not


that okay that I have to disagree to a certain extent okay agree to disagree ah I've always I I mention that adidas was my go to brand okay my previous adidas uh


which I bought from the uh warehouse factory outlet the adidas factory outlet so it was a slightly cheaper and as runners we track how long our running shoes can last this shoe did not even last a year


and the sole came up the sole came up bro okay we're not talking about wear and tear here we're talking about the the the the sole coming off the shoe okay, so , okay the current okay the current state of manufacturing in this world is crap because even branded stuff like adidas nike and mah


ya exactly so coming to your point of you know pay a bit more and get something good don't buy branded stuff, their products may be you know marketed as good but that's the reason why I'm comparing this zero shoes and with this adidas I run more miles in the zero shoes than this


okay and this is, exactly so so looking at products now you it's really not that it's all hype it's all hype and my new, g this this this are carnivorous easy's it's just marketing BS lah all I can say ya


this is the fish plays is it or


and this was a white boy, this was what this was a white boy from seattle speaking


correct ya ya ya ya, ya you say he's really earning his keep lah


yeah I I


ya maybe because he's you know maybe, he probably got the job I mean probably loves the job because he get to meet people I mean seattle where you where you probably will add was a tourist spot and


there was one of the things one of the reasons why you work there we can get a chance to meet people to talk again I am very, ya maybe you don't see that here you don't see that here at all


ah yeah yeah yeah it's our culture it's like , ya ya ya ya but then again those there are those who are


can incorporate both that KPI and the being nice part, and then I mean I don't mind I don't mind that person in meeting I mean everyone needs to meet a KPI at some point in time but, you know how you do it you know is a reflection of who you are


you know so this guy that he served you in seattle you know he knows that he's got to make everyone comfortable as so he does it in his own way lah that is quite unique


yeah I was wondering the same thing I was wondering the same thing when you are you going to back to seattle now with the COVID and all that


no have not I I've been, I've been I've been living my own bubble right now my expectations for leaving this bubble is not not uh, not very high at the moment uh


I I pity is I pity is his err his colleagues he set the bar too high, really, anytime any anytime anytime somebody goes to the restaurant eh I want that guy I want that guy I don't want anyone else I wondered guy see


so what else do we need to talk about


uh ya is is a okay talking about lifespan right you know I was telling you about how long ah I mean we runners we clock our shoes and, that by far, you know has superseded


okay, uh my wife's okay hanis ah, you know ah sorry, my wife's uh what you call that, her vibrams because of, her know she uses it, to the extreme ah and then you know how


her wear and tear is about ya her wear her wear and tear was about, about, err a year for each pair that ever bought, bought her, where as mine I don't run as much and it's still in good condition so it has exceeded


it has exceeded what my usual lifespan for a pair of shoes has, and, of course you know I don't run as much as her but I'm still running as much as I normally would so my previous shoes have by now would have been gone so this zero shoes apart from and I if you take the time to go to the website and all that it started up by by runners for runners so this couple


they know exactly what, err, that's the difference between for me personally is uh, nothing beats nothing beat, it's a small a small company, and all these corporate this big big boys and what not have nothing on this small entrepreneurs who


really you know err, catered to the niche market, it's a niche market you know people not many people not many people have broad feet and you know, the most of the runners that you know most of the reviews and what not everyone of them


all got broad feet so it's a it's a it's a what you call that heaven sent these shoes err heaven sent by, for people with broad feet like me lah, and I realized I know I, I go and I look people's feet I I love looking at people feet because you want to see whether people have you know feet like mine and and I


it's unique it's it's it's a very small market but these guys have cornet and they actually, are getting people with normal feet you know buying their shoes because of its comfort that that that with all the


with all the technology this big, shoemakers have, they cannot in terms of what they have spent so far billions and billions of dollars, on shoe technology cannot be this shoe that's the thing


you know you spend so much money and we're not this policy or for broad feet you need broad toe box a wide toe box, uh you know you don't need the sponge at the bottom of the shoe to, for comfortable running experience it's all marketing BS so


you know it comes back to,


part, part one finance okay


so do you have saving accounts no, eh saving accounts yes yes yes yes


debit card yes, share your experience to them no ya I don't think so


, no I don't have, eighteen eighteen


eighteen, sixteen too young to hold money eighteen


card which one number five, uh POSB kids eh ah is it POSB kids saving


for my kids bank account lah so far so good so far so good no issue with the bank account , and


so far they have CD CD ah no OCBC bank account kids bank account and also POSB but both also okay lah no no issue


oh


no credit cards


correct I also don't, cause, I don't ah I also don't purchase investment product by bank cause ah ya, I don't know I don't know whether, to trust not to trust


, correct, no experience


uh for my take


save some in a bank and invest some elsewhere,


ya at least if something happen outside we still have saving in the bank


ya no loans never tried before


you think


I also don't think so, their money is our money, , correct true agree


, no everything is everything we answer already Kan


question number, which question are you in oh


for me I'm still working have to go to the office so there's nothing much saving also, , I still have to take transport and everything then have to buy food if you work from home I think you didn't need to like


spend for the transport and also buying out food, how to spend your money


how do you spend your money basically money is spent a lot on food


ya we love to go and eat


we have the habit of saving but, there's always something emergency will crop up, and your saving will be like gone again then you start saving again then it's gone again so it's (hmm)


yes, eight


make sure you meet your saving goals, five years ago five years ago I didn't manage to save anything so actually ya actually during this COVID we did I I guess uh during COVID we get to save some money lah


ya because a lot of a lot of the areas places that you cannot go and then you cannot bring your kids also and it's like only five person, so okay lah planning their


so before before starting a family lah, before starting a family start saving then plan everything properly before, you go into that family, yes Kak


oh


ya save and plan what you want ahead actually


whether you can afford ya, what are your thoughts on CPF contribution actually there's good and bad lah


Kan, credit cards I don't think so is necessary because it's still


it's it's just like taking a loan for me is just like taking a loan lah


credit card you spend first then you use your card and pay first then after that you pay them back so it's like taking a loan,


uh do you have personal insurance yes I do have personal insurance, but but, experience wise I actually don't know, what am I covered with also because I always got no time to actually talk to


the insurance uh agent agent or something like that


ya what kind of insurance


yes, personal insurance lah actually death death and you know sickness, travelling insurance yes we do get ya property no


ya, insurance insurance how to say ah


to look out for in an insurance no actually I got, how to say ah every time when the insurance come I just agree but then I never ask for the policies and what the agreement like


until now I have insurance and I go hospital I never claim, and only now I think it's it's I I I just want to start calling my insurance agent and ask regards to my policies and all, ya because I bought insurance for my kids and myself


essential , actually for us lah better, Kak


insurance is for us cover us first better if anything happen to us the all the money goes to the kid , , ya lah that's why we have to buy insurance for ourselves in order for the kids to get to benefit, ya


cashless , ya, the more cash you have the more you spend


, , okay lah both lah both lah , , ya sometime you need cash also correct correct


actually it's true ya you still have to give the kids money to school what cannot go cashless


FAS if no FAS still you have to pay what, yes !wow!, go where


oh ya correct, ya, the rest was saved ya, ya the rest save for the kids do saving for the kids then,


donate some to, ya


part three negative experience, okay Kak


I start with the this one negative experience right ah okay negative experience is that, uh, we bought no, my sister actually bought this , travel travel package and it's to this


hibiscus what is that lexis hibiscus, so the bad experience we had is okay, when we left the place from singapore to malaysia everything was fine


everything was fine and then , once we reach to uh lexis hibiscus , we when we reach there we get to know there's no room for three buses, all three buses, so we reach there about


nine AM nine eh no, no no no I uh one PM we reach there about one PM, and then the hotel say there's no booking no nothing and we all have no rooms, so when we talk to the management we talk to the management (hmm)


the management actually tried to search lah for rooms for us actually , and then uh, you know we have to like fork out our own money to actually get some rooms for, uh, the old people to get their rooms first so basically


the negative experience is actually the travel travel agencies and not the hotel the hotel did great because they try to accommodate with what what we have, and, during our stay we we get to stay for a night and then after that when we want to go back home


there's no transport to actually send us back to singapore so it's a bad experience lah negative experience from this travel agencies, so oh okay Kakak you want to go next


K I shall share my my since you got food and beverages I also have one, nope okay I had one bad experience it's called I think it's Kampung


#chai chee# the one at Punggol if I'm not mistaken is at Punggol Punggol end, so we went to Punggol end and, Punggol end to actually have our dinner I think dinner if I'm not mistaken it's dinner


and we went there and, the food the, customer eh no not not customer service the how do how do I call that the, server it's not very friendly one and the food it's not value for money it's quite expensive


and the service is late, and I actually ordered some seafoods lah, okay the food is not nice one thing and then dessert I tried to order this cheesecake, and the cheesecake is spoil


spoil and you really cannot eat the cheesecake so when I talk to the, one of the server and tell him the cheesecake is spoil, and they actually gave me another cheesecake but the cheesecake is also spoil


so I'm telling them what is the point of giving me another cheesecake when the cheesecake is spoil if it spoil that means the whole thing is spoil cannot be one spoiled the few the the rest is not spoil, and after that I told them it's okay no need to give me any more cheesecake because all your cheesecake is spoil and


okay lah at least you know when you get this kind of thing at at least they can actually say uh okay lah we give you discount or something like that but no they never give any discount and they expect us to still pay full amount so the experience there is seriously not good


what he order ya it's always it's always like that


!huh! where got such thing lazada lazada not supposed to send to ninja van what


but lazada and shopee same , , worst staycation holiday in the hotel K my worst staycation hotels is in KL


okay it's a five so so called it's a five star hotel, but, the room is dirty, and there's no facilities and the bed it's dirty and there's cockroaches in the room


so, it's not comfort at all because all of us is afraid of cockroaches and we are like screaming all over, then the service standard of the staff sucks no so sorry


you know when you tell them these they give you the room also the same thing and it's like every time they will they will say, sorry ma'am there's no more room there's no more room and then, we just have to stay there for a night and the next night we have to search for another hotels


ya, I should not say lah which hotel in KL the five star hotel , but it's not a great experience


cannot see cannot see ya, , Kak <P2>rina</P2> you have anything


hello hello hello


noise not in ya


hi you're back


okay Kak your experience


(hmm)


ya what what other negative experience some more,


actually my greatest fear


if any of my children if any of my family pass away, actually that is my greatest fear , ya but ya lah everyone have to go, but it's just that


what disgust me is nothing perverts


ya perverts recall a scene from a movie


ya and, and also and also Tu Apa abused, yup


correct ya


house work, ,


I have phobia in insects and everything how to how do you overcome, I still cannot overcome till now, no actually you have phobia in heights you remember you have phobia in heights but still I I I bring you along to cable car


you still overcome you still overcome you still go through that uh cable car thing, , ,


ya how how how how we survive if you know the economy and all that kind of stuff and whether we can we can still support our families , and can our job last


you know in in in in in this I I think even though, how, how to say ah in singapore they still they still have racism racist Kak they still have racists


ya is and, government keep on saying one people one nation one singapore but they are still racists


cringe, , nothing


okay I shall share share this first ah okay I shall share this, first okay I'm working and I'm working and have been doing every of my work and everything


and, there's this group of people just dump just, hit me hard lah, saying that I'm never did my job and when I confronted them, and I ask them what's going on and all that


and I ask them uh, what you mean by I don't do my work and everything and they say no it's not me it's not me and I ask them but your name is clearly down there stated that you complain about my work and everything when you say there's no more no problem no mistake then where where where does this word come from and


and I I I was so pissed off and they say they will talk to the management and, for me there's no point to talk to the management when it come up from your own mouth so, this thing will keep on going like that and never stop, and I just can't can't believe lah


the people who is a team leader and you treated like you know you trusted so much and this is what they do stab uh stabbing back uh stabbing your back, and you do all her jobs and everything and clear everything, and the name goes to her thank you very much


you love food what kind of popular food, oh ya correct Mala hotpot


the, no I love spicy food but Mala hotpot the Mala I think taste weird for me


(mm), (uh)


food and beverages so far, we can choose either one or two not compulsory to cover all so food and beverages so far we go Makan everything


, eh ever positive experience ya positive experience


okay, village


barbecue steamboat


attentive


everything is fast overall everything is, good and then paying also they give us discount and then they give us free ice cream, ya it's fresh


malaysia entertainment give and


okay I uh I I'm going to choose the personal care actually, personal care actually there's this


there's this person who actually recommended one of the product, one of the product and, actually I don't trust any product actually because of health condition uh I don't trust so after taking this product actually it actually works on me and it's good and


okay lah after the experiences is is is good lah is good and health getting better then, skin, appetite all is good ya that's my take lah


do we have to elaborate what what what example consumer products,


ya actually took goli, this product called goli, and I only like watch review and all that kind of stuff and then until somebody actually told me the the Apa Tu what's what's that the benefits of it and everything ya


then I give it a try and it's worth lah


(hmm), positive experience actually not much ah


positive experience not much lah


where's the question no question


no


still cannot still cannot you see


ya, they cannot solve your questions also they will divert to other people divert to other people, but now is about positive experience


yup yup yup


okay uh there's one experience for food and beverages , , it's it's actually the, malayan council malayan council


okay lah everything is good customer service everything is good and , , the food is long they were served quite quite quite long but


when they serve it you won't be disappointed lah the food is great, and then if you were tell them, , sorry it's too late or something like that then they will give you, uh free cakes and all that to to cover up lah


all their ya their their flaws and all that, so so far it's a good experience lah,


the most memorable experience was , the time we went to Batam, we went there for charity programs and it was a memorable one lah looking at the orphanage the kids


we bought them some school clothes food and sing along with them eat with them it's such a , memorable one lah, ya it just that we should show our kids lah how lucky they are and how unlucky they are


there


my perfect day is when my kids is all with me , ya


comfort eh comfort food you know maggie Mee , , ya


cup noodle comfort food yes you don't have to worry it's cheap and fast , ya, chocolate


what sound is that ah


ya


just go on with the flow lah cause we cannot predict our future also actually,


go to the beach sit down listen to music, listen to the wave and relax fishing ya, ya that's that's that's our favourite activity during weekends lah


when I'm down my family is always there for me, I feel the most luckiest person ah, guess it


ya my whole family is there, they will never they will never bring us down but they will always motivate us


I'm thankful thankful, for me I'm very thankful to have a great parents ah parents and parents in law who is very supportive


correct study ya


okay I I I think my best birthday present it's when my family gathered together and celebrate with me, my whole family my husband my kids all that, so that's the best birthday present I had especially when they do surprises


, after giving birth


oh


lifestyles lah okay I should say lifestyles


it's turning better and better ya


best meal, correct


fond memories a lot lah a lot to say , , describe a time when you laugh too hard okay describe a time where we meet together ,


, ya


it's hard ya it's hard to see sadness but always happiness, , preserve ya yup friendships


uh finance, uh


yes, uh uh , savings accounts I have yes yes , why do you choose to put your money right in the bank oh no don't have do you have any credit card or have debit card ,


debit card I have yes, do , do you think couples should combine their finance to open a joint account , I don't think so,


we if you have a joint account share your your joint okay we don't have any uh joint account so do you have a high yield yell, bank account or fixed deposit no I don't have, uh


at what age should a child be given an ATM card to manage their own bank accounts at, eh, age of sixteen, okay uh


, not age sixteen uh if your child has a bank account share your experience in details okay you may go first, yup, the one that they were asking if your child has a bank account share your experience and details of your bank your child bank account


the experience of


okay for my kids they had their own bank account and they don't have any ATM cards by then cause their age is about fifteen and sixteen, , uh main purpose of that bank account is to


to to uh, to let them uh save their own money uh so should be , they had the POSB joint account with my mother actually


uh, so if they want to withdraw their own money uh they would ask my mother for permissions to withdraw, okay so


six cashback points or miles which of credit card do you think people should be using, uh we don't have any credit card so we don't think that we , could answer this question okay


what is your experience of purchasing insurance product from banks, , what do you think I don't purchase any insurance from bank actually, uh, okay so what is your


cause uh ya me too, I don't know ya and I don't know whether uh I don't know that


banks have purchasing insurance product, uh, that's the reason so I don't know , okay what's your experience of purchasing investment product that one we don't have , so some may argue that banks some may argue that banks interest rate are unattractive whereas other may feel that money is safe and accessibility in banks in light of this would you save your money in the bank or invest in in elsewhere


uh, I I I actually agree with you,


it will be uh we had to divide between a bank and to invest elsewhere, as well, uh as it would be we won't know what should we


do uh what, what will happen to the bank or invest elsewhere, ya, if let's say if the bank uh the money in the bank loses or something we have savings in elsewhere


but when the elsewhere is getting drop or flop we have banks uh money in the bank, so ya what, is your experience of getting loans I don't have any loans from the bank


I don't loans, right so I've never tried before , so (ppc) argumentative for question three I think it should be better, do you think couples should combine their finance and open a joint account


no I don't think so, because my my money is my money, , their money is our money so whatever I had


I couldn't tell them whatever I have but their money I can take it from them itself actually, (hmm), right so okay , I think that should be all but then we should tell them


experience and details in other question what question do you want


how do you spend your money okay, there's a question here , based on the question as you fulfilled the full twenty minutes for more question post, okay what, changes are you making in terms of your spending and savings habit in in a post of COVID world


, uh on the chat chat box, check box , what changes are you making in terms of spending and saving habit okay for COVID


time , changes in sense of okay, previously I I I actually, uh uh went up to the office so right now I have to work from home, so most


of the, transportations uh, money that I've been using to go to the, to the office I would, be saving it to a deepen different aspect whereby I keep it as my urgency emergencies uh money


right


so it should be, I can't, I I mostly, not that, much that I spend but usually it will be part of the savings that I have, how do you spend your money !huh!


okay basically how do I spend my money habits of, spending my money , I will spend, my money on either food, uh uh groceries expenses


, and what do we have been spending too much on food, which is I love to eat, that the that's the best part, eat ya that's the best part that we have okay so the next question do you have the habit of saving yes I do actually


how do you ya ya, so if it's like because uh for me I don't have uh a younger kids I only have two young's one which is not too young


but for <P2>wardina</P2> I think she has uh a youngest one which is she's about eight years old seven years old sorry uh so, (hmm) so she's need, uh the urgency to do it lah actually


okay how do you ensure you meet your saving goals, I don't think I, have to ensure that I have a little bit of savings uh, by the side actually uh, which I have to close one eyes and I don't think about it


okay what is your one financial advice that you would give to you in five years five years ago, !wow! ya


try to save early, ya, so it should be


so for me five years ago I should say that, , try to try to uh what do you call it, save as early as you can


okay what schedule would you ya true what strategy do , the best is


before before you get no you have to start saving when you started, your new job actually, that the best part ah, when you are young you started, to join the


uh what do you call that join the uh working force, then you may want to think of saving, okay the next question, what strategy would you recommend to someone planning their big ticket expenditure


starting a family buying a house buying a car, save your money first ya, before you want to start a family you have to save first


then calculate your expenditure, what are, your thoughts on CPF what do you what are your thoughts on CPF contribution, uh don't need CPF lah better don't need CPF uh ya


usually actually it's there's a good and there's a bad part, ya by the way we


ya but for me it is like I don't have any credit card so I don't know, what is the use of that credit card, ah


uh how do you manage your cashflow, how much of your income is allocated to saving expenses and insurance, how much is your income is located to saving okay it depends on how much I could save but usually I will put aside about fifty to hundred dollars


for my saving, so but my expenses and insurance it would be, divided into two but I don't have any insurance actually, my insurance are all by, medisave


I do have a personal insurance, but


okay for my uh for my personal insurance I will be covering up for if I've uh passed on, so, my the shares of the money will be divided into my kids and my husband actually


would you approach an agent or DIY when it comes to insurance planning , no, I won't be approaching any for insurance planning depends on what insurance is that, , what kinds of insurance essential for people your age


my age !wow!, hospitalisation insurance, uh, ha the sickness is under hospitalisation


travelling insurance yes we do have but buying a car we can't afford to buy a car property we don't have any, uh HDB flat only, okay do we get a okay


what do you look for insurance agent what question will you ask your insurance agent regarding the policies okay there's two types of insurance that I've already had which is one hospitalisations and the other one is personal insurance whereby insurance for my hospitalisation is when


something bad happens to me uh like say I had uh, touch wood touch wood cancers or something uh it will be covered up for all, my treatment, for my personal insurance it would be for


if it's a death insurance whereby if I'm no longer around, uh , uh it will be given to my kids and my husband, uh <P2>wardina</P2> correct you need to check


so what do you look out when you, ah, so what do you look out when buying insurance do you see the insurance as essential expenditure, , no insurance is not an essential expenditure it's actually for


uh how do you call it uh safeguard, safeguard of ourselves and the kids actually, main purpose is the kids, for me lah


for you ah for you for us, ya okay lah ya, it goes to the kids lah that's why I said the main purpose is for the kids not for me uh when we ah correct


the what uh the benefits of it uh, okay do you prefer to use cash or cashless, both both, because certain shop there's no cashless it's cash but, when you don't have the cash on your hand it will be like oh my god I need to go


to the ATM so I preferred both, but it's true though but I prefer both lah err, no you have to one saying something which is different


, uh because certain shop like mama shop don't have any cashless , err but okay lah ah


eh school got now now got cashless what, ah, oh ya ya ya ya ya okay, so I think both, if you receive a big windfall, what do you do with this windfall I go Hajj first


Haji, no no Umrah Umrah I go Umrah first, then I go Haji, , to the kids actually ah, uh cause ya


then , get a property if it's not if it's if it's if it's a lot a lot of windfall uh get a property, for our own then, donated to the less fortunate


then that's it


part, three negative experience, okay


okay you go first, yes, I got so many things to say, okay


okay uh for my bad experience is under, uh, food and beverages which uh I did went, for uh uh dinner with


uh I think, with my husbands and my kids , uh we uh actually ordered, the uh family package but what it, turned out so uh what we ordered it turned outs to be different , and the food is like too salty


and the staff is , it's not that really friendly and they are making a remarks whereby , uh we already cook for you uh why don't you just eat it up and know, uh finish it up or something like that


so it, is a really bad experience for me and my kids, that time uh , and for me as well as uh for me uh if the food is not, up to my expectation uh


I would really make a big fuss or out of it, until uh the, owner of the shop uh came to me and says that, oh oh never mind never mind uh just uh eat whatever you want uh the food is on the house


that's what's the bad experience that I have lah actually, ya ya true


okay so, specific condition describe, a time where you order a product okay, my uh I ordered uh no sorry my husband ordered a product from, I think it's lazada , and he ordered something which


he bought for me, which he knows that I love, uh that T shirt, so when it the the item came, and, the T shirt was totally different from what he ordered, ya is it's ah so I


call up the uh customer service uh they told me that, oh uh if you want to return you go to the nearest uh ninja van outlet, send over there and, tell them that uh this is to be returned


a'ah, I don't know this is what they uh actually are asking me to do, so


product was uh not the one that I expected, delivery, time also they just send it, without without notice, and, know when we want to return back they says that return to the the the uh uh ninja van


collection point where it's not nearby to my house it's quite far away , and also, the customer because we can't call the customer service I check through the online system


so the girl was actually explaining to me like uh you want to send you send through the ninja van, uh uh collection point that's it, no more and then I tell them that uh you should , give me the T shirt


uh rather than you ask me to return it back, because, that T shirt was not meant to be mine, it it is, it is actually belongs to someone else maybe I said, uh then he said uh if you want, she she keep repeating the same answer send it to ninja van actually


collection point so I don't send it I just threw it away the the T shirt, that's the bad experience that I had, so now I'm already buy something we should only in shopee, no more lazada


but shopee is better rather than lazada, you know, , K next one (hmm)


anything else, agree okay for me


I don't, have anymore so, how would you conscious people not to oh shit


she


sorry sorry my internet is, it crashed K okay okay can four oh okay


my experience in, uh, hotel which I had was in, , KL also the same thing, where I went for, a day trip with my husband uh


it says that, the hotel was, uh four stars hotel , but in the end when we reach there the hotel we need to climb up the stairs to goes to our room then our room will be actually sharing with another three rooms


it shares with the, ya the other three rooms to get the dining table , we shared the dining table with other three rooms uh uh guests actually , so you know what is, in the booking dot com is not what we expected


so when we want to change they says that uh, no they don't have any more rooms it's all fully booked, and it, eventually is only a day trip so , uh my husband said never mind we stay here for a day then should be okay


, luckily it was a day trip, okay anything else uh actually


would you conscious people not to use the product oh that one is the , smartphone earphone watch, I no buy eh no okay don't have


so decided to lose some weight, uh, I don't have uh


K anymore uh I don't think so health and wellness finance insurance service, sports and fitness health and wellness, daily necessities and essential service


uh, daily necessities, uh, what is your greatest fear heights, cockroach


oh I cannot say that already, , what is my ah what is my greatest fear is heights, uh what disgust you what disgust descriptive !wah! molesters


recall a scene from a movies that make you angry to watch, uh malay movie, whereby the husband, uh had another partner


(hmm) that's the main movie that I'm actually actually angry with, what makes you and also ya abuse ya, and also a place whereby , uh mostly common community are looked down on uh


ex-convict, that's the most anger part that I had actually, uh whereby you know communities publics like us outside know they says that oh you ex-convict ah okay don't, don't want to uh


don't want to become friends with you, oh that's the, most angry part that I had, okay what makes you stressed agreed, housework husband doesn't help


oh my god , okay what , what, do you have any phobia, how do you overcome them, okay I have phobia ah


I have phobia in cockroach only, other than that I don't have much, only cockroach !ee! but I cannot


!wah! don't want don't want to remember about that oh no , how to overcome ya <P2>wardina</P2> bullied me take, the cable car actually !wah!, , but now I still have phobia ah


uh, in a post COVID world what are the some of the worries and anxiety that you face, worries, anxiety that you face worries is that


you know sometimes, uh we wouldn't know, if if uh, I might lose my job during COVID season, ya ya true uh K


what are in the justice of the world that makes you angry, look down on ex-convict, that's the injustice that uh make me very angry very


even though they are even though they are, uh all ah, ah that also the same thing racist part, uh don't think so ya


so describe embarrassing moment which make you, cringe !wow! embarrassing moment I don't think of any I don't know


okay describe a moment where you feel that you were treated unfairly, (hmm) yes yes yes most welcome what


is one popular food which you do dislike, uh ha Mala hotpot, because I don't eat spicy food , Mala hotpot cause I don't eat spicy food uh


I don't I don't eat actually [ah] it's spicy (ppb) no okay wait


food and beverages which is I always love food, as you know uh, correct so


positive experience okay food and beverages the positive experience that I had okay


we went to Changi on my husband's birthday, uh, so the place is at, Changi uh, Changi village yes it's uh, what they call that I can't remember the shop


but , the food was awesome , we had uh a hotpot steamboat, uh uh what they call that uh hotpot, steamboat uh


barbecue steamboat ya so uh I guess we uh total of us there are about, seventeen of us and the food is really nice and, it serve us well actually


uh the the staff are , uh the staff is overwhelming, uh uh they are actually so far, uh


they are actually so far friendly, and and correct uh, yes correct attentive, so uh (mmhmm)


and they are really uh we are actually really uh happy of their service and also the food that we had actually, uh okay uh yes


so secondly leisure and entertainment, I think, do you think it's okay


leisure and entertainment, we don't go for leisure, or you choose okay, let's go, okay what personal care ah correct what's your product


and your cosmetic


the benefits of it ah okay the next one any


would you try to pass oh, okay the next one uh education and training, for me, okay currently I am actually pursuing my double diploma


and, what I had, for my uh what my experience in this uh school is that I had, a very good uh trainers and , my administrative as well as the managers are


are very friendly and they elaborate more on what, on what uh, courses that I would like to take they usually will be , explaining to uh explaining to me that okay


you are taking this course why not you uh you take another course which is similar to this course so, uh they give me an options to get both diplomas in the same throughout the year so it's


very rare to get the managers and the admins to to to elaborate more on the training and as well as the education part whereby some people they just likes to


to uh , uh to introduce the service and they don't tell you uh which is which is good and which is not for your for your courses that you intend to take so but


this school it will be it's a better, uh it's a it's a good school whereby the staff are all very friendly and they's they are, actually uh make


myself to think of which , uh which uh, courses that it preferred for me, to combine together with what I am actually having right now, so next


your next question answer oh sorry,


okay so uh if it's not then we go to second question which is describe a time where you had a nice dining experience and you give a positive rating to the restaurant


okay this one (hmm) Mana Dia ya I know where is she oh


positive don't have the third one I think it has, but she log off already, and it's still recording, ya, and I can't remember the question actually, eh ah okay okay


so the next one will be describe a time where you call a customer service hotline at telco, because you encounter some problem with your telco subscription what is the nature of the problem and how was your experience interacting with the customer service agent which leads to a positive impression


uh I don't think I have a positive impression for my telcos , customer service hotline, if you are asking ya so what


could we say, uh we don't have any uh positive uh impression of the telco, so uh I don't think we can answer this question


so only if you ask us to elaborate more on the restaurant that we had tasty presentation of the dish uh we are actually went for a barbecue uh, hotpot, and the rating is super awesome you should try


uh it Aduh Sakit Kaki okay


so more prompt question describe one of your most memorable travel experience, memorable, taking the cable car from Genting highland, and the family and my family as well


, that's the most memorable travel experience that I had, so <P2>warlina</P2> what's your most memorable travel experience that you had, kids right K


more prompt questions, uh describe your perfect day perfect day, every day is my perfect day, there's no more there's no perfect day at all actually okay


more prompt question what is the what, what is one comfort food that you can always rely on to cheer up, chocolate chocolate, comfort food oh I don't have I only eat


tidbits but comfort food okay lah maggi Mee can maggi Goreng, not maggi Mee it's maggi Goreng, ya fast and fast and easy ah ya three minutes


so that's the comfort food that I have but usually I will eat chocolate, which is will be very comfort and always cheer me up, which I cannot eat chocolate actually, by then K despite


the ongoing global uncertainty what makes you optimistic about the future, (hmm) future okay


when you ask me about the future I don't think about the future at all actually, uh, I don't have any optimistics uh, discussion about the future


as I don't really think, much about the future but usually, to me, it's kids it's always kids, uh for my future see uh


to get my kids to have, uh a better life good educations, as long as they are they are pass then okay, so


what's your optimistic about the future, we don't think about the future that's the reason


describe your favourite activity to unwind or relax, correct go fishing fishing uh


play games with the kids, favourite activities ya correct, describe the moment when you feel the luckiest, uh when I'm down


my husband is always by my side, and my kids as well so yes, that's the luckiest uh what are you ya correct, so what are you thankful for


thank you for, thankful okay thankful for, K I don't okay


to me what I'm thankful for is , to have a uh, understanding husband kids mother-in-law uh, what do you used to hate, as a kids but now love is


study study ha , what was your best birthday present and why, !wow! oh, uh best birthday present uh


my birthday present ah can't remember what my best, (uh huh) correct


describe a time where you got appreciated for your hard work, , uh, correct after uh after


my daughters giving birth they would like says that uh, thank you mummy for , giving birth to us and I know how does it feels uh that's the moment where I, I uh, been appreciated by them actually


describe a moment where things turn out better than expected, !wow!, uh things turn out better than expected, agree to it also it's getting uh okay lah


it's it's getting better, ya uh so describe a moment, the moment that it's getting the moment that our lifestyle is getting better, is like happy moment lah


what was the best meal you ever, had best meal to me every meal is the best to me, to me I don't have any uh specifics meal


describe a fond memory do you share with your loved one, !wow! uh fond memories, uh to, to describe a fond memories you share with your loved one


uh, gathered together uh make funs together , play games together, that's the memory that I had, ah that's why it's too much when we when when when both are


when both of us meets together , ah that's where we are laughing too much actually uh too hard and too much , uh when we are together correct when, both families mix together ah that's the best lah always laugh makes makes you preserve what is preserve friendship friendship


okay, K before I start I'd like to ask you first when there's your ten year endowment plan, I'll come to you, okay you cannot remember , !wah! so there's so the nine more years


okay lah make sure we're still friends ah, okay okay so as for me uh I think uh for my knowledge as wise kay myself I have three different covered insurances kay all is covered by the AIA kay I have the uh critical uh no I I think I I've the accident


hospital and one more I'm not so sure what is it, I'm just paying for it so monthly uh I'm, paying about uh close to three hundred, of uh three hundred of uh about three hundred lah of insurance so that covers about probably about uh about ten percent


about five uh to eight to ten percent of my uh monthly income , ya so at the initial stage same I think uh I when in when we enrolled in NS in day one they uh they uh introduced us to aviva


but then uh they were saying that there's a certain things but there's one one point to uh one point that they say that uh that, to me is bullshit is that don't worry even if you are uh even you got the accident in a aeroplane uh in a in a helicopter you're fully covered


I did check with my friends at that time there's no such thing as fully covered lah, kay that was back in two thousand six or seven there's no such thing as fully covered I think that's what you've covered just now whatever whatever insurance there is uh something like there's some


a fine print that certain things you still need to pay, so that aside uh myself okay I think uh as I grow uh older now I'm thirty five, I think I got my first kid when I was twenty twenty five twenty eight twenty eight ya so seven he's seven he seven tomorrow so I think that's more important the insurance for my two kids my first kid uh seven second kid which is five so those insurance


uh, I think my first kid he's born uh on twenty eight weeks uh premature, so at that point of time there and there is no , get after his birth, I think few weeks uh few weeks after AIA came out kay I only know AIA lah because the person that always talked to me say eh ya he came up with this insurance where if your wife is pregnant


after certain weeks I think about twenty plus weeks you can sign up for insurance, for the wife and the uh for the and the fetus, kay so once the baby is born, whatever viruses whatever illnesses


he or she have he's covered, so knowing my son the first son is twenty eight weeks he came out he have a he came out with uh a certain illnesses which AIA won't cover, for two holiest okay and then when my second came


uh he also was a uh preemie he was a is a uh thirty two weeks so whatever covered whatever, uh illnesses that came out with him during the his during his uh his birth all is covered


as well for uh for my first son the twenty weeks okay he premature premature twenty eight weeks so he spent seventeen days in uh NICU ICU, my wife spent I think about four five days in hospital, so I think we were we were lucky we were in a


the KK lah so seventeen days in ICU I think it was close to ten k lah, so I think uh, if I have that insurance that cover my second child during my first child I think I'll be richer now


okay but that doesn't happen so knowing my kid uh my my kids uh condition I think insurance is important for them and also for me and my wife, so I and my parents staying with me, so at I home I got six person plus one helper seven okay our expenses per month okay rakes up


uh, up to about four to four to six k per month, with insurances uh utilities uh loans everything so if me and myself okay me and myself me and my wife one of us


or to be warded or were to passed on I think like what you said lah it'll be selfish on us to let, other people take over our burden lah, ya so you were saying that your siblings will curse you your parents will curse you don't worry bro I also will curse you bro, I called you bro why you never take up insurance luckily I'm doing insurance now okay


so ya so insurance, are essential yes lah I think it comes to a point where is essential lah, just that we don't see the need is essential about we don't see the need until it comes when in when in when uh until when we need it, ya so I'm grateful I got friends that helping helped me out


I ORD in two thousand eight two thousand nine uh two thousand ten what Encik come to me and sell insurance, okay uh one thing I support friends, second thing is, I know none about insurance lah I don't bother to read out you know me bro


you give me this long this long verse I wait for you to summarize for me okay so ya uh, in a person, in a insurance agent what do I look for is their sincerity K sincerity we cannot see lah


back of their mind they want to earn they build them build their mind they want to earn a stable income, okay but, by wanting to earn stable income ya you also want to help others lah so I was being helped, after my NS and then


so once I got certain plans settled, down the road, my primary school friend which is a good friend approached me, he she did a review for me, and then there are certain plans, that my friend was able to uh say that okay this plan you can upgrade


ya, so then I called my old friend my Encik eh Encik you never Jaga my plan okay my friend say this one can upgrade I upgrade with her ah, then he say okay lah it's okay lah up to you lah uh but your this plan this plan, uh


then I say okay lah Encik this one my friend he's taking care of my two kids ah is my insurance under her also, okay and then I feel my wife also will be under her then I just go there refer refer lah, then he say okay I think I I think he has earned enough probably I think it's all for good uh eight years under him


I believe you are you all the insurance agent are getting monthly right


okay lah I think he should earn enough lah eight years for me even though my plans are not that !wow!, kay but at least money right yeah and now and now my friend is doing good lah so I think me leaving, could be a blessing to him lah , ya so my my current AIA friend my primary school friend so he she manages manages all my insurances


all I think all four but and then if there's anything so far, I have any question , to be frank with you I've never made waited for one hour to to get a reply from her I did text her the text her once at twelve midnight I think I was lucky to get her cause that time uh adam was uh having breathlessness


so, even though I took the plan, I don't know what's the plan, I know that the plan is cover, uh is to cover him but, uh which uh which grade room, whether I need to pay for the a and e that one I don't know so I just texted her then she replied


then next week I go to uh KK a and e lah, and then I if I'm if I'm not mistake I don't have to pay anything , for the day from the day I entered a and e and till the day I left the a and e I did not pay a single thing , uh don't ask me what is it I don't know


ya , so that's my personal insurance lah uh personal and family insurance I think uh well actually I would concerned about my parents my dad is seventy seven, my dad seven seven my mum sixty seven I know they have insurance but I don't know what they're covered with


and to what extent uh even though I'm concerned but I don't bother to check lah so I hope my sisters and my brothers have done their job to, to ensure that my uh parents are covered lah, but I think , fourth child let the older one settle one right correct bro let the older one settle lah we settle down we we take care of them


the rest they settle ah, yeah (hmm), I wanted to take up the uh so called the is it the endowment plan the one that you, pay pay pay pay pay let's say every month let's say every, month one one dollar ten years down the road will get one million something like that


but, I'm a bit skeptical about the uh about it lah, I don't know why, like I don't know whether I can , uh I will be getting the money back lah so and uh, if


I'm not wrong if I don't get it my sons will get it you know there's a lot of if if you died the if if if is the one that I cannot take it


negative product review, kyrie you want to go first


!wah! you you got extra time to make it eh so, uh telco telco so far I've been lenient to them but the recent one that I had with citibank for my credit card transaction that one really pisses me off so apparently uh


I use citibank credit card SMRT, the one that uh for uh get rebates for the uh MRT trips so that time I was just, checking and I realize that , uh I have this transaction on my grab


let's say it's on the eighth , but on the credit card is on the seventh, the transaction date , and it's the same amount lah, so when I called grab, grab say it's uh I got check with your uh credit card company


when I called credit card company you got to check with your uh merchant, to me both are correct lah, because they both also talk to each other K but I was a customer, somebody please sort it out for me, kay both of you citibank or grab


discrepancy, it doesn't matter to me but I don't like it I'm a I'm a , I don't like it lah can I use the word right so, so ya I told I then I the lady in citibank was saying that sorry sir I cannot do anything you have you need to contact your merchant


then I say ah how can you cannot do anything to it, you know you can see on your on your screen that thing escalated on this date, but when I called the merchant is created on the next date so I want to know how is this possible, oh sorry ma'am uh sorry sir this is not possible whatsoever then I say then then I would like to report there's this something there's something wrong with this transaction lah


kay then she said oh what we can do is uh we can uh terminate this card because uh and investigation, uh and and then the investigation will take six months six months or six years I want this to be clarified lah, okay because


it's nothing lah it's just the same it's the same amount it's just that on my bill, it states uh eighth on the eighth but then on the grab it states on the ninth means the credit card was created day before, somebody is wrong but no one wants to own up


so okay okay lah you can uh you can you can uh cut my card and send me a new one, the lady wasn't that happy lah when I say that one probably is a sure a task to her but since no one bothers to help me to find out what's this what's this discrepancy so just I terminate lah


okay and then I say before that also I did talk to another person from the same agency from citibank and I wasn't happy oh due some of some stuff , and it's come to a point where did I did I did raise my voice to him, she raised he raised his voice then when I asked him sir are you raising your voice to me no no no I'm not I'm just clarifying with you


then I slammed down the phone ah that was citibank to me lah, even though even though I so angry I'm still using it, because convenience sake lah okay so that is my bad experience with a telco or a a online service customer service, whereas for product


ya to a few months back my brother saw an added post on uh facebook some kind of tablet, seventy nine dollars, it's too good to be true lah, knowing it's we know


we know how much the samsung tablet cost huawei tablet cost seventy nine dollars for a forget how many inches lah, so uh but to, when my brother tell me is just seventy nine dollars, is sometimes this china product is a


uh one time off, sometimes they do works, so we took it, seventy nine dollars uh two weeks later it arrived at doorstep, uh it was expected lah, it was bad it was very bad


okay it states uh, two GB RAM but then when I managed to drive deeper in drive deeper into the BIOS is one GB RAM and then there's a lot of things which it doesn't tally lah , so my uh brother did uh tried tried to contact the customer service


yeah hell no lah there was no response even the bad reviews there's no response and then that tablet now is uh, something for me to write on lah, it's just a paper weight on my table, ya so I'm not surprised but yeah the thing is shit lah


okay, for eating wise okay I beat you bro yours is ninety minutes mine is two freaking hours, okay this happens uh I think more than ten years ago, kay back then uh okay I think more than I think should be more than twenty years ago because uh back then when uh my siblings all we're not married


once in a blue moon my parents bring us to Mak uh bring us to Makan we we like to try this those indonesian food, #desa kartika# those uh so we were at #desa kartika# at orchard, I forget which uh which outlet was uh which uh shopping center


no no no, okay lah never mind which I cannot I forget which ah eh no so this #desa kartika# then it's not #desa kartika#, is something else okay so we ordered our food


our drinks received, and our food did not arrive we ordered a refill, our ordered our orders our, fish to be exact did not did not arrive , one hour later our vegetable our #kangkong our chicken


arrived, rice finished everything finished, our fish have not arrived, it takes them two hours, and every time we ask them they say, oh oh uh yes yes uh the we are


it's uh we did not forget it we did not forget about the menu we did we did not forget your order uh we are uh looking into it whatever they say at that time lah I don't, bothers I was twenty years ago I was fifteen I was waiting for food so I did finish up everything the vegetable the chicken whatsoever but the fish


so called the highlight of the uh the restaurant is not #gourami though so but the fish was the highlight of the uh meal, came two hours later, so my father being impatient he wasn't happy at all


that day and since then we never stepped into the the uh restaurant you know I forget what I think it I think #desa kartika# lah, not it's not it's in orchard it's beside the


uh is a quite a old shopping center lah, it's you know, no is before is before cuppage, in before centrepoint, kay lah never mind lah but ya two hours bro to get the I don't know what fish ah


ya and they say keep on say that ya ya okay uh coming coming coming coming come for two hours bro


ya I think communication is important lah when you do when you're but the the okay the question is what takes two hours to cook


ya so blame so blaming on COVID is it


people are catching up but the government is not lah kay let's not go into there okay so ya so uh since that day until now twenty years later we have never visited that place, uh even though that uh my family we still do go visit to this initial restaurant


with that one that particular one twenty years, so maybe if they were like a bit kinder, my family, back then we always, we I think at least once uh twice a month lah may go to that kind of restaurant so they


they lose us as a customer lah !chey! [dey] lah how big am I, ya uh, for the product the china tablet I think , I shall not say I learned my lesson, because you know those website wish dot com all these even lazada once in a while you still get those


scams where you pay, uh ya it arrived a different thing, so I uh it's a bad experience for me to get the stupid tablet, okay but that won't stop me from buying other stuff from other uh chinese website so now like I just ordered the pants uh some utility pants


uh still waiting okay the god thing for this one is its uh COD lah so still waiting for it to deliver to my doorstep, uh I think COD is better, so that at least my money doesn't run away, ya, and then there's


ya lah some more is china from china ya and then for my citibank I hope she get I hope she gets fired lah


that's all, and then somebody else better, probably the citibank could invest on the sing on the singtel lady that initiates everything perfectly and well, yeah


talking about that uh, online shopping , is a killer lah, so during online shopping there's a positive product and a negative product that kind for sure I did buy ya you know indiegogo or no I buy from kick starter


okay talking about kick starter I have few items that have not arrived at all , and I have few item that work, well for one month and never work again, and yes I'm still on kick starters still looking on new innovation stuff


just want to be the first in the in singapore [lah] [eh] I have this one (uh) you all I used so long already ya (ppb) K <B>


positive product review, kay I think for this one let me start first lah, okay so, one thing that I trust is, own ranks okay, now brands kay now the big brands I'm not sure about their quality


but back then early two thousand, the the product name the brand name counts equality, okay I have this Timbuktu bag I think you'll see me wearing it like my slim bag the red brown uh red blue and yellow that bag I has I have it since my poly year one which is in two thousand two


it's twenty twenty now I just threw the bag last year, two zero one nine, and it's not because it's torn, is not because it's uh it ugly, it's just that I don't use it anymore, so two thousand two to two thousand nineteen that's eighteen freaking years of a bag okay and this bag goes follows me everywhere


okay follows me overseas follow me to school to work to play to everything so this Timbuktu bag sling bag that I have it's customized the color is customized but the bag is standard so at that point of time when I was doing rock climbing in poly


two thousand and two okay uh in the climbing seen Timbuktu is so called you must have ah so your your back you must have a Timbuktu your sandals with a charcoal, okay your t shirt must be a brana that kind of brand so ya lah so I want to be in the to be to be cool mah to get cheeks right kay so I have those I have the bike okay


the bag okay lah it fit everything almost everything, and waterproof in and out tested I took the bag scoop in a pool the water and pour to other places it doesn't it doesn't drip, okay this this is the last


back then this the brand I trust okay because I know back then when brands , uh uh produce the items ah they really commit to the quality and uh warranty uh ya warranty this item has a lifetime warranty


so got once I, broke the barker, I took a snapshot I send to san francisco not I send lah email email to san francisco okay I got this bag this barker is broken, I think in less than one month they send me a new barker


okay and it's a a pair of barker also I think, uh, the product uh the product uh, so called the uh commitment by these companies okay really means a lot to me lah Timbuktu I think you have a Timbuktu right kyrie


your your, crumpler ya so crumpler is so called a poser lah that time crumpler is was from australia if I'm not mistaken right well uh Timbuktu is from, san francisco US better mah, okay so


uh ya see I mind for it eighteen freaking years bro kay so ya so uh this product this bag Timbuktu, uh for now okay so I just threw it last year right because I bought the haversack, uh of Timbuktu also I bought it somewhere around probably around twenty thirteen twenty fourteen


okay it torn, before my old bag, my haversack tore before my sling bag, K so I give away both, okay that's why my sling bag doesn't tear all my my uh my haversack torn


but I give away uh threw away both lah because I don't use it anymore, now that because for the past few years I was an office man office man doesn't cannot carry Timbuktu lah must carry one nice uh so called handbag uh what do you the a bit leather right


ah to look good ah, ya okay so that's the product that I think uh, exceeds my expectation and really worth, the money lah I believe I remember the cost was I think one seventy, one seventy in two thousand two is expensive lah


kay not earning money, taking money from parents, so ya but okay lah at that time I can just ask my parents for money, okay so okay uh well on that on the product, where for calling service telco


uh and I think the best experience the one that's uh positive is uh there's this one malay lady that pick up uh from singtel for me, kay because, ah at my currently at home before this I have singtel mio mio TV my broadband is by m one my phone is by starhub


kay so the reason why is all different is all come at different timing lah okay I take mio pick up mio because of soccer, uh at that time I took out uh m one m one because uh I happen to get some promo uh phone singtel uh starhub is because I use a thirty percent from my sister


so all these three then I talked to this lady because uh my mio was about to expire, uh can re-contract so I talk to this lady , she say that okay it's okay to have all three different brands but then it's always better to have stick to one lah then I say if one down if one time singtel down all my services are gone then I cannot do anything then she assured me lah that one did it happens but it's not common


okay maybe once in six months also okay lah give her give her the benefit of doubt because she have a nice voice okay so, uh she explained to me what are my current expenses, and what I'll what is uh what will be expected once I migrate to singtel everything


so in in the end of the day I did migrate my m one uh my broadband to singtel also, and on top of that I got I I the uh at the lesser price lower price I got uh additional items lah, so currently I got the dyson v ten fluffy


which is uh which is good lah good for me the lazy person uh that doesn't clean the house now my hands a bit lighter because I know I'm I'm carrying a dyson, ya, ya do you know me hard work how hardworking I am I'm like hardworking I am I reach home seven o'clock okay by eight thirty I must put my kids to sleep


so then if I if I put my kids to sleep means I'll fall asleep also, so I have then I got to wake up do bit the house jobs even though I have a maid , so having a dyson really helps lah so this thanks to the singtel lady, okay so I think this part singtel did a good job to engage uh some uh a better


better experience better initiative uh salesperson uh phone operator lah , ya uh so, ya so that's my uh positive singtel my positive product Makan place


I forget the name, okay can you help me lists out the names on arab street, is a is a official is a proper restaurant they got two lah this is second outlet


the one the first one is uh near !huh!, no okay lah never mind but it's okay about the name but the good thing is that, after the meal the, firstly the chef came to me came to us is me and my wife lah came to us how was the meal


how do you like it is it uh is it something you expect, okay because my experience with there's and there's restaurant that I went, I ordered the same thing okay let's say I order fish and chip lah, when it came to me it tasted different, it's not what I expected


so I did ask the chef, is this how is it supposed to taste because I never tasted like this before, uh then the chef the chef say oh this is our own flavor uh is is not wrong it's not wrong for me to say that it's different


and it's not wrong for them to say is different also, so there's a different uh different different story so for this uh restaurant at the arab street he came to me ask me is this what I expected is it does it as uh, exceed my expectations and then after that uh after he left after give me giving good reviews the owner came a young guy his name is uh his name is was hafiz if not mistaken and he's around my around age third third in his thirties mid thirties so he ask me what's the occasion then it happen to be my it happen to be my birthday lah


so immediately he took out the mic he his workers and then say happy birthday to me , and I got a small cake to eat there and to bring back, I think that kind of hospitality, uh lacks uh the community lacks it


okay because I don't know for me because I don't really go to big restaurants to me that was big already lah the one at arab street uh one dish is around seventeen to twenty five, is that expensive or not kyrie, ah so birthday should be okay right


ya, !alamak! that one is you have to answer that bro, so ya so that kind of that kind of hospitality, the ambiance is nice it's uh I it's some a bit traditional quite dark


I think they uh purposely put put in the mood, and then the cutlery is uh I think it's also well lah the food is good the ambiance is there uh, it's not noisy they are not blasting songs, they are just playing simple melodic background sound


ya I think I enjoy the experience too much forget the name of the place, kyrie you might want to continue


ya that's why you are handsome she's an auntie what do you expect


bro my experience at louis vuitton and prada bro is not good bro, I went there in t shirts and bums they don't entertain me bro


doesn't sound right doesn't sound right quality service if


the the one that runs on the midnight but now no more already, more than that lah I think ya


ya you got the personal so you got the personal type from her from him you get it from her later, not yeah sorry sorry


but you are so bad bro sure got some people you sure got people you call you ask for reservation they ask you good questions right


okay lah see there's some positiveness in our everyday life not all things is bad, , , uh, do we need to stick the timing larry or we can move on oh lah okay so okay lah I think uh


positive I think recently I seem I did uh I have some issues with my fridge I just moving right kyrie, so I bought the fridge somewhere in october last year no I moved in august so I bought in august july, due date


they came three times, for servicing okay uh they the first time they say not, cold uh the some what did they there's a wiring loose okay after so long the fridge no one move the fridge


you just open the fridge right then after that if by opening the fridge wire can get loose then something is not right, so they reconnect the the switch the the fridge they connect the wiring, and then second time it happen again they came they checks something got to do with the wiring


the third the third time they say the same problem, I requested for a replacement, I say this fridge less than a year you have to come to my house three times and it's not fast yet I've, I know that I can't expect them to come uh I report now half an hour two hours later they can come


if they come on the they if they can come on the same day I'm grateful already but usually they come probably the next day, okay so eventually I did request for a replacement, it went up ding dong ding dong on their site, because


I'm my in a way my contractor bought it for me, so I'm asked my contractor for the invoice in then the contractor uh initially he was reluctant to issue the invoice lah because I believe they got a good price mah, so ya even though is my friend so ya


so he got the he immediately give me the invoice I send back to samsung samsung say okay we'll look into it and then after awhile they say they say to me okay uh we'll send you a replacement a new one but the warranty, sticks to the old machine


means instead of let's say today they sent me a replacement right


insurance, alright great okay uh welcome everybody thank you for being here, uh my name is kyrie and I'll be starting the discussion right now I would choose topic number eleven first and then I'll see how the conversation flows naturally and i'll probably tackle two or three other pointers


so number eleven if you are in insurance agent what questions would you ask your clients when planning their insurance coverage I think first and foremost we look, I will look at uh wealth protection first cause I think that's the main basis of insurance ah you're ensuring someone to make sure he's covered why we call it wealth protection is simply because if you're injured either disabled


uh whether it's permanent disability or temporary disability whether is a critical illness or whatever there'll be a disruption in income right so the way I view is usually like a table table has four legs you got your critical illness uh disability critical illness usually we're referring to


cancer or stroke, it could be temporary it could be permanent it depends uh it could be something as simple as maybe a, I don't know a two week flu or whatever, regardless they'll be a disruption in income you still go to hospital right this when all your insurance kicks in


so the question I would ask is how much of each leg of this table right these four points are you confident in which leg is longer which leg is shorter most of the time singapore being like you know very expensive country and all that and insurance wealth


protection all this blah blah blah it's not really taught in schools you know you really got to like dig the internet you know you depend on blogs like sydney dot com I'm a huge fan of work salary man dot SG the facebook group or the facebook page, you it's really a lot of self taught you know so never mind topics about !wah! I want to be uh financially free and all that you know that one comes later usually at age of