so they just uh out of nowhere they just cut it all off and they didn't even tell me anything about that I I've thought that like they should at least ask me something like uh let me know that there is a that it's been a, payment failure or something then at least uh I'll be like reminded oh yes I changed my card recently let me update my payment method


that is completely understandable but they didn't even bother to check, like even other, like I'm sure you know how essential and important the services that stop, provides this right like internet services calling mobile services and everything even telephone home telephone services


is it, I mean you are aware that uh other service other businesses like uh Netflix and uh Spotify obviously they obviously they what they provide is not as important as what StarHub provides


and yet, they are actually more professional I remember that was when my card were cancelled, they didn't just they didn't just cancel my membership you know they actually sent me an email telling me, hi your it has been a payment failure your payment did not go through because your it was not deductible from your card then I was like oh yes of of course because I I had a change of card recently so then I immediately went to like key in my new card details updated the payment method I mean I that is totally fine that was


that's okay right I mean I feel like, okay fine I understand that maybe to a slight extent maybe I should have like, you know updated my payment methods, for the things I'm subscribed to immediately after getting a new card but still , to to simply just cut off all my services


just because of one payment failure after so many years of being a loyal customer I


I I know what I have to think awhile before I got reminded of this dreadful day, I mean this was one of the times when , okay you see , it is okay when they mix up mix up dishes once in a while I can totally understand that but can you imagine


mixing up a vegetarian's, order for a non veg meal, ya, I'm not even kidding that actually happened you know, I mean like it wasn't me it was like actually from my my father he's a vegetarian and sometimes when we go out for dinner he I I order whatever I want and he orders salads and I'm like


they, and then ay you know what's the worst part like if okay, they mixed up his order, and then they said that uh that is actually what he ordered but I mean like, and when he hasn't ordered like non-veg in like thirty years I mean like what do you what do you mean that's what he order I mean


they didn't even like bother, they didn't even bother to like comply for their mistake they they still, started to like argue like as if we were in the wrong, this I I think like even if you take a long time, time to even if, the waiter messes up even if it spill something even if it takes a long time to serve something that is like okay you know we're not we're not


I understand sometimes, you can't be so like uh demanding for customer service when we are not a good customer in the first place but, I mean to mix up , veg order for non-veg I mean


okay three star although okay


that's everything on the plate that's all


for a fried rice are you serious


I remember there was one time uh I think I think this was during a period of time when I myself was , uh abstaining from uh meat I think it was because of from a spiritual location I was just being a vegetarian for a small period of time, I went to this restaurant and uh


uh I think it was a number of years ago I went to this restaurant , I mean I'm rather patient honestly especially with , with waiters because I've been a waiter myself I know it's not I know it's not that easy especially with a a impatient, customers I don't want to be one of them you see


so I I waited almost an hour, and I I was actually quite famished, so when , I was actually a a vegetarian at the point of time and guess how they compensated apparently they wanted to compensate me for their waiting time like I was like oh okay that's nice I I didn't know they would actually do that but okay that's nice they told me that they will give me a like a free a side dish free of charge


and apparently the fried dish free of charge that was actually a non-veg side dish and I'm like I was I was and I really like specified that uh I I, I do not want any like meat because you know sometimes ah vegetarian they some vegetarian they still eat eggs right some vegetarian they still eat


so I told them specifically like no eggs no no meat at all in my in my main dish and then they gave me like a side dish for a compensation that was non-veg uh


the the the thing about them which , I mean I don't completely blame them but it was honestly kind of annoying the thing is they they didn't they didn't, give me anything else because apparently everything else was slightly more costly


then the , non-veg side dish the veg side dish slightly more costly, and I'm like, okay I gain you you know you what you guys you go, you would have been better if you all didn't even offer the compensation in the first place, that just make things worse honestly


ya I was okay I I almost lost my main appetite for the main dish but ya I still like to eat anyway right because I already paid for it


oh oh this brings you back to almost like a six years ago remember when we first started poly I don't know if you remember originally my laptop was actually a Dell laptop but uh I mean most of the time I'm using a HP laptop and for the first few weeks I was using a Dell laptop


uh, uh what happened was I it actually got damaged after just a few weeks I'm buying it ya I mean uh that was devastated what, ya and then apparently when I, called up Dell hotline this is one of the biggest file if I have a bit of a negative experience with Dell and I don't wish to purchase any of their products honestly anymore


and then , it looks like when I first of all it it it took them like so long to get back to me on uh what what they can do to salvage the problems salvage the damages of my laptop and all, suddenly uh after like almost a month they call me up and told me uh okay we can actually salvage it for you however the price of the what we will charge you will be


uh almost the same price as uh buying a new laptop, I said what are you are you kidding did I just hear him said that, no they they they they said I mean yeah they like they offered to but however they said that


price of that will, would be almost as much as buying a new laptop so, what what what do you mean by I might as well just buy a new one right I, mean like ya so I said nope, I'm not going to pay that much just for you to salvage this because I'm going to get a new, one ya I mean like


how can you pay the same price I mean unless I'll be on I said okay fine it was damage like I couldn't even on it but, how can it be the same price as buying I mean at least if you tell me the same price as buying like a like a, more affordable laptop sure but not the price of buying this exact same laptop as I could save


they just kept insisting that you will ya


well after all they do know sometimes survey they always overreact when they advertise it it's it's it's very often it's not as good as how they advertise it right


instead of the pens that you bought, , how how did they even mix that up how are those


sometimes they just so turn off by their, lack of professionalism that you just is like not to just do anything about it right, and then you just like you just like remember not to not to deal with this particular shop anymore


ordered this uh unique products from Lazada actually, , it's actually regarding a problem that I have, with my uh posture, uh I don't know if you notice but


sometimes whenever we hang out you know I tend to like hunch a little bit, ya you notice that right okay then , so this product actually what it does is ah is like, it looks something like a


safe like a seat belt in a car but it's just that you wear it when you what about you are walking, and then there's like a button at the, at at at the back, ya like is a the device is actually on your upper back and then you can actually press it from, I don't know if you have seen such seen this kind of ads on uh


social media you know uh what it does, something like that but what it does it it uh forces your body up right it makes you actually, uh stand upright, it actually makes you it


prevents you from uh slouching like the moment you actually, hunch it starts vibrating to remind you that you are not standing up straight, ya I I actually bought it


I would at first I was wondering if it was going to be worth, worth it but I I guess I'm really impressed it is, and a lot of people like freshly been commenting and the the best part is that, at first I was worried what about what do people actually know that I'm using that right, and then, so it's like you can actually wear it on this one layer of uh T-shirt or something and then you can uh conveniently put uh like another like you know like a pullover or a hoodie over


so people don't actually see that but actually being helped


the the appropriate material so I don't actually feel the heat, ah and I am aside from the fact I have to charge it almost everyday I guess, everything's good ya


I actually feel I'll be honest I actually feel feel like, a little bit taller and I actually feel a bit better, actually like no longer hunching, and after all of course you know sometimes you hunch for too long, your your back a little bit right (mmhmm)


ya it's actually been obvious uh the, they, they've proven that my posture it's actually been, noticed by people I guess that's the best part you know, how about you any how about you any


although you go to gym every other day you still, still have to buy dumbbell oh


oh I see I see I see, ah I'm sorry what was that it looks what


oh okay okay okay


or like those that you do for bench press


and how does it work like you put two dumbbells together and make it like one big barbell


oh no no I actually ordered this , I would say it took around not like I would say, three weeks actually slightly longer than expected because and they have to ship it from like uh overseas like I think it was uh USA if I remember correctly


of course if you buy a local product it arrived much faster ya


I mean I'm I know we none of us went this year because of COVID , oh before christmas so ya around


I can't actually hear you right now


(uh huh) ya ya I was asking you if you have any uh staycations or holidays in a hotel recently


I guess most recent was uh actually in uh twenty eighteen when I went for a cruise with the royal caribbean trip, I have to say it was my first time it was really really nice


I mean, the the facilities over there was like if I thought I thought because we were on the ship there was going to be like uh, a limitation of things we are able to access but really if we were not in fact I almost felt there were more


there were there were many like uh recreational activities like , boogie, the boogie boarding and so and like a surf boarding rock climbing even, it was really nice, I mean uh of course of course the food was uh of course the food was one of the best parts


the comfort of the room, it's in fact it's, in fact it's more or less just like a hotel, it's basically a hotel lah ya, in a ship ya ya, we even had a pit stop at like uh it


we we were actually sailing from like uh singapore to malaysia , we even had a pit stop at like uh if I remember correctly it was uh, uh #kuala lumpur# ya we had a pitstop at KL with some shopping around there then you have to come back to the


ship by like uh ten PM, ya then we because, because the following morning we were will sailing back to singapore


ya I have to say that's very comfortable I mean okay I mean maybe the room of uh, not that big but, I don't think the size really matter it is definitely compensated by the comfort and every other thing


no no no it's very stable, I don't think you believe but there was even like a, uh I mean their, there was even like a cinema like a theater in the cruise in the ship, ya there was like a massage spa there was casino


bars, but given a few cafes or restaurant all within the all within a ship, and then and obviously the view of the we can always look over the railings and check out the view of the the ocean we were at, that was just very nice


ya they were very they were very hospitable they were really really hospitable, I can't complain at all (mmhmm)


anyway you know I've uh actually signed up for or err Anytime Fitness recently, actually almost two months ago actually , I


I've to say it actually depends on the outlet because , even though they're all the same company the outlet are not, not same, like some of those like actually bigger some are smaller


I have to say although is the membership fees were rather pricey, after after calculating doing doing the math and all, all I realize that it, will it will be worth it if I actually make use of it at least uh you know a minimum of three times a week


so basic I'm, uh so basically I have to go at least uh three times a week otherwise , I, I'll be straightforward I'm I'm honestly this whole thing I'm wasting the money If I'm if I don't go more than uh three times a, week


I guess but uh I guess pros and cons, it's actually a motivation for me to you know, go more often because I know it's like I've to make my money's worth right


I have to say the, the equipment are ya I've to say that it's actually almost at, in fact I would say they are much better than the ones at the, public gym ya, the cleanliness they are really maintaining it very well especially


especially with the current situation COVID and all, ya in fact in fact I I really like their although is, at first I thought it was really convenient but after awhile I realize it's very important now after we use each machine each equipment or rather before and after we use each equipment we actually have to like


wipe it and they provide a small, cover along with uh like , bottle of uh Febreze or other or like a alcohol sanitizers, ya a little bit in


a little bit inconvenient but sometimes you know alternate machines we uh not, like for example like let's say one one particular machine, someone is using we are not allowed to use the machine right next to that one because of the safe distancing rule so you have to use like two machines away


ya I have to say the the gym's customer service is also rather


aggressive they actually if you remember all lah all their client's name, they always greet me by my name whenever I enter I was like !wow! you guys actually remember, I mean like they they obviously have so many clients you know like so many people sign up and yet they actually remember all their their names, (mmhmm) ya at some


some of the some of them even uh they offer the help even when I don't ask, and in fact now I heard they they also have like a, what you call that boot camp or like zumba or those kind of like classes, complimentary classes


and then you don't have to you don't have to pay anything extra it's all included in your monthly fees so why not make use of it right


ya especially when they go there often that actually began to


then the best part is Anytime Fitness is actually twenty four hours


they even uh control the crowd in there you can actually uh, you for certain outlets you actually have to book your slot if you know what I mean like and they only and allow you to be there for a maximum of one hour that really controls the flow of, people right ya


and I like all they have the they even have their own shower, ya and this this even have like their own vending machine inside where they sell like you know protein shake like


oh ya ya complementary T-shirt and a water bottle even, so if you want to, uh I know you into like tech gadgets and all right have you used any devices recently


but one finance


well if me I'll prefer to do it as married couple because if you were to single person right you will not be able to you know buy a house at until the age of thirty five and above


because as a married couple as long as you are married or you're widowed you can uh buy a house at like twenty one and above but if you are single you can only buy a house at like at the age of thirty five and above right ya


yes that's true because single people also they can somewhat rent a house you know (mmhmm) yes to rent a room on your own


yes because if they are currently going to stay in a rented house which has like neither family member will be uncomfortable for them right, yes


okay so Suresh so example like if you want to like renovate your house like would you like want to get a loan from the bank


well I am actually like you know, not that age to buy a house so no


but ya so err it's a no


ah yes, ya or find room executive room


yes I also actually believe like once you uh want to buy a house right you have to pay the agent you have to uh give the agent like about one or two percent of the money that you get right yes right


yes and if you are ya and if you sell the house is like you will get uh the agent will get like two to four percent


yes so that's why the percentage increase comparing to buying and selling the house that's right


who me well I've thought of investing a properties but not really sure how to start but ya,


oh yes


yes because if not you will have lesser profits yes you will lose more than you gain so


CPF yes it is possible to use CPF because ya so in hundred of the house the down payment of purchasing the house is twenty five percent or the purchase price basically ya


well you can use CPF about twenty percent in ordinary account with uh five percent of cash yes so you have to


yes yup you have to use our own cash to pay, yes true because the higher the CPF basically you don't have to fork out more money in your hand comparing to when you know


oh if me I would rather apply for HDB loan


because uh if I apply for bank loan they are much more stricter I know someone that apply for a bank loan has trouble actually ya they have trouble paying for the for the bank loan so the person changed to HDB loan so that it will be easier because bank loans are


has their own interests more than the HDB loan, yes, yes HDB loan is rather more lenient then bank loan because if you didn't pay the bank loan on time you'll be reprimanded out of the house


okay


for for floating rate or fixed rate, ya so uh I feel like floating rate home loans are basically like cheaper than the fixed one, comparing like floating and fixed the different is about three point five percent because a floating rate is eleven from five per eleven point five percent however the fix is fourteen percent so basically you save a


money if the floating rate increases by about how many percent like two point five example, right , yes, yes might fluctuates that's true


yes, okay ya that's true so , if you do have like any other bank accounts comparing to like you know one bank account to for like saving for like you know spending


oh okay okay because currently I have like two bank accounts one is basically for like savings and the other one is basically for me to spend money


okay ah so , okay, so Suresh ah sorry so in a post-COVID world what changes are you making in terms of spending and saving habits


, ya true do you feel like you actually really spend lesser


or more comparing to when you before COVID and during COVID


oh okay I see because for me when in during COVID I feel like I spend more money comparing to when I was when there's no COVID because when you've been when you've been like staying at home for quite awhile you'll be like


bored or don't have any items you spend you have more expenditure right ya ya ya understand like, you buy examples uh examples like food, you don't want to go out or you you know it's during the period where you cannot go out


yes and the order price is usually there's a delivery which is you know spend more than what you go out, that's true


yes so do you think you should own a credit card, that's true because credit cards has their own like you know you might overspend


yes that's true I understand because sometimes when you pay using the credit card and when you can't pay back on time or you pay back later there will be interest rate that keep on increasing each month by the time that you you know example if you ya if you never pay for the thing for five months


, yes that's true, so


how do you invest your money to academic wealth and or planning for retirement


so you wouldn't uh you wouldn't try to invest right because you're not sure of how kind it works


(mmhmm) for me I don't think I'm going to invest in anything yet because currently I have to find out ways on how to start investing you know, if you start investing now you don't know how it works along the way what's the value drops so whatever you going to lose a lot ya if you don't know how to do


yes is very risky right okay, so Asrad what (ppc) sorry what advice would you give to someone in order to reduce their income tax


yes that's true you earn a lot you should save more instead of ya instead of like wasting more money, (mmhmm) that's true


yes , yes higher pay higher tax okay (mmhmm)


oh yes true ya to have a another savings you know, ya that's true okay so


in my view my advice to give someone to reduce their income tax right is basically, well, to stop you know spending a lot comparing to when you earn


you agree


yes it's true if you to be honest if you were to spend a lot of money you will , fear, increase your income tax you know , (mmhmm), okay so what can you do to earn extra income or improve your income level so for me right what I do to earn extra income is I like to tutor people right you know right so ya tutoring basically it's like a side job


you can do where you can help people you know to improve, to improve with their education and also to improve the amount that you get your salary can increase a bit right how about you


, yes that's true ya


and especially in order to earn like more right you know people are doing Grab now, yes that's one of the things that people do Grab, helps them earn more income while being able to drive around


yes that's true once you rent their car you will have to pay a certain amount


so yes it's true


yes you have to know about like stuff about find HDB because you know we're getting older and we're gonna be purchasing one soon, right okay so so how do you save


okay understand yes it was it was nice okay


part three negative experience, okay so hi yes hi


hello oh yes I can hear you now okay


uh yes of course there's a lot of negative experience with customer service agent over the phone, hello


oh okay okay ya sure I can hear you alright so basically, uh when I ordered like clothes or like shoes basically all of these like clothes shoes and accessories right especially clothes, when I order a certain uh like clothes right


when I order it they show the price they show the sizes as like as different compared to what I bought it


oh ya ya sorry I I didn't hear ya so I bought like clothes, that ah you know the sizes don't really don't really it's not really accurate so I called them to check with them like why is this size like so you know different from the one that you posted on thw web page or website


then they will be like it's it's my fault that I didn't really check the size properly you didn't read it because I didn't really know how to measure the size of your waist of your length of your sleeve all, ya


so that's one of the negative experience (mmhmm) ya same thing with shoes because example the shoes when you buy, ya the shoes when you buy right, the size doesn't really uh go according to the website


the size nine it's supposed to be forty two size ten suppose to be forty three but when I ordered the thing I got a I got a different size from what I ordered so basically I get size ten which is forty forty four


so I called them they'll be like had the same thing why didn't you check why didn't you know that this is a bigger sizing when they were the one that's supposed to update in their website that you know this is supposed to be bigger or smaller than what it stated


yes they didn't really update the web page then so when I called them they will be like you never check your problem not mine then what am I supposed to do then I was like uh can I like return the product, yes they not really that way but they like you didn't check so basically I I don't want to I wouldn't want to return the product I mean I don't want to take back the product


then I'll be like okay so I'll just stick with it I still have the shoes now with me and this is the larger size so I cannot I cannot fit and that is laceless so you know, how about you


yes obviously they're wasting your time basically right okay


oh my god okay


yes yes understand internet call so if you can't in ya


, okay


yes it's true it really doesn't make sense okay so, , how's your, dining experience you had a bad any bad experience in dining


oh my god yes that oh


then will be like so bad especially, oh !wow!, (mmhmm)


ya it's true (mmhmm)


oh !wow! !wow!


yes that is really really yeah understand not really reasonable I guess , ya, so for me I also have this bad experience because I remember going to like a certain restaurant like for a meet out with my friends like because we were going to we want to try this uh chinese food restaurant


so we went to their uh it's an a la carte buffet basically right so we went ya we went there to then when we see the pricing it's like the dinner and the buffet menu set were basically the same, right so obviously we will go for the buffet right ya so like


basically it just because it's the buffet doesn't mean that the restaurant can like you know, like ignore the basics uh services like do do you know where it is it is like it's located inside a three star hotel and everyone had ya and everyone had everyone have to pay like a like sixty


six dollar per person you know , so the , you know if restaurant like basically buffet they'll like so this buffet is basically not really take on our own which is they, they give us ah basically you know they hand us one by one so, basically we asked for one thing at the time after we finish right what they did is they just


gave us everything on the plate everything, ya they just they just give us everything in one-shot and I was like , we didn't really order this much also you know then also also there's this one uh one of my friends we ordered like just a fried rice you know you know how long it took


you want to guess it took about almost two hour plus just for one simple rice, yes that's why then after that like not only that they I don't know why uh uh you know is a three star hotel so the services should be okay but most of the staff doesn't really like understand english so it's very hard for us to communicate with them you know


ya so because of that then is like our food was so late, you know okay, (mmhmm)


, , okay, oh !wow!


yes still don't and ya


!wow! but did they like you know give you a new one without any veg ah without any like meat eggs or whatever or did they just like


oh !wow! that's okay, yes (mmhmm) okay


ya obviously ya you're so famished so you have to eat I understand okay that's (mmhmm), okay so


so you want to describe a time when you called the customer service hotline of like is like Singtel or StarHub because you encountered some problems


oh okay


so basically !wow! so they didn't really help you with any of your laptop problems


yes it's true , that's true


yes understand that's true, same with me you know do you know that every single like contract you have like some plan right, like SML currently like StarHub has their own plan so basically what we will we when we went to like uh use the online application to like ah to recontract right they put us at the wrong subscription


right you know right like ya so basically we we we we went and call them then they will like no these the rights subscription that we put but no but the the you know the receipt something shows that, this is not the subscription that we applied for and they were like hor


so basically like they'll they keep on arguing that we are the one that selected the wrong subscription when actually we checked with another person and it's not basically we did the correct the correct subscription but ya then actually they put the wrong one


yes they keep on insisting that you then I was like no way we checks that we choose this example is S plan right then after that oh okay you know I don't know why they didn't they didn't even check their end but


so uh do you have any like uh things that you bought online which is basically like really bad or it's not what you expected


but do you know that I bought something online, then I , I bought something else I really something else like example I brought like some pair of like pants, you know I got I got I got like a coffee mug holder, right I got a coffee mug holder ya


eh you see how the pants I bought so I I, I I don't know how they even mixed up the thing but , so I basically uh called them then they'll like, sorry I basically call them and they were like oh you didn't get your pants I'm like no I even took a picture I sent them they were like oh then they were like oh I think is your mistake again I don't know why is it always my mistake


but they so I just keep the I kept the the thing and then I was like okay whatever you know, cause I lazy to return back the stuff also ya


yes it's true so sorry for laughing , yes I I didn't even go to that shop and because is like !wow! I bought like I bought like my what pants leh then they give me something else I'm like okay


so do you have any uh a negative experience with a product for any services


negative experience for product is like just now I said the pants and then I got like some coffee mag you know that's so funny okay


part two positive experience


hi hi you there oh, okay so hi tell me about your, positive product review do you have


yes pretend to slouch yes okay


oh okay, is it the one to like is it like a


okay yes I know you can hide it underneath your shirt right so that yes so that's product, but how is it is is the product like really hot inside is it really uncomfortable it's like


(mmhmm) ya understand okay so, yes especially when you're standing tall with the product okay


so when you oh okay yeah sure I have so basically I bought this product is basically a dumbbell set right ya it's a dumbbell set and then I was like oh it's the last available set but the best thing yes


it it was during the COVID period so I can't really go to the gym so yes so I bought this product and I was like, oh this dumbbell set is the thing is that it looks, plasticky and I thought it was not good because the price is like


it looks like a plastic you know plastic material kind ya it's not like the normal metal so, I thought it was like not really good because it's like you know it's quite cheap comparing to other dumbbells like the hexagon dumbbell the dumbbell that can adjust the weight like you know when you turn the thing you can adjust ah then I bought that product right


!wow! it's very very good, yes is it and the best the best thing right about the product is I didn't know that that thing could become a barbell you know what's a barbell right, ah no barbell is when you are is the longer version of a dumbbell you remember it


yes that's true and ya that thing can be changed to that I was like oh !wow! the price is cheap comparing to any other dumbbells or barbell because I see the price for a ten KG dumbbell which is like


almost like fifty dollars is around forty to forty plus for one only so, yes so they basically they have a single single pole in the middle right to connect the left and the right to make it into a barbell


ya so I thought it was plastic and it was so weak but no it was actually very strong and durable, yes very very strong so right this product is really good so


I think that is value for money ah because comparing this to another barbell which is not even like you can't even unscrew the thing right you won't even have any space to put right in your house, ya it's very big so


so and the best thing is also like you know if you buy products mostly the products will be like oh the product's going to be scratched the product's going to be broken or something like that so I bought it and the product was in a brand new condition there are no dent dents or scratch


ya they are literally no darn and scratch right anyway your so for your items right how long does it take to arrive or do you buy physically at the shop


okay okay so, yes understand cause for my delivery timing right not only it was cheap but it was so fast I ordered it in like example tuesday it received I received it on thursday it was like so fast


ya that's very good that's why it's very convenient I'm like yes I can work out straight away after this, ya


yes I I actually I went for a holiday in malaysia it was like on december, before christmas right, yes yes it was on december before christmas, yes last year so I went there it was the best thing was that the place was near the malaysian checkpoint so I was just able to walk within ten to fifteen minutes


oh can you hear me now hi okay so from where we left off right, ya we were talking about you know the delivery timing


oh yes it's true I was talking about the malaysian remember ya remember , where I have a uh holiday in last december before christmas


(mmhmm) ya so we were staying in a basically it's a homestay at an apartment and near the malaysian checkpoint so inside the apartment basically there're like kitchens dining rooms and four bedrooms


but the best part of this thing right is there are three bathrooms total, right


ya so right I have in like three bathroom total, , (mmhmm) ya that's nice yup so basically like inside there is like so nice there are we were provided with like basic necessities like towels toothbrush soap and also like some extra stuff like you know you no not really not really that much whom they have like hair dryer or anything like that right


(mmhmm) ya, ya how about you so do you have any like holiday the recent recently


nice !wow!


ya hotel floating above water right ya


oh !wow! ten PM nice so, oh okay ya sure so like in a cruise ship as you say right how how what's the comfort level there how do you feel


oh !wow! so there's no like rocky seats or anything rocky's bed


(mmhmm) (hmm) oh !wow!, of course (mmhmm)


that's nice , okay so how was the staff there everyone like nice like, oh, nice !whoa! that's good


, oh !wow! is it, oh so that means oh okay so how how is it like how's the gym facilities the equipment all was it really good


oh, nice


okay , yes it's true you have to once you pay for the equipment you have to go


yes understand it's true


yes that's true and they will be like sanitizing the place everything is clean ya it's just ya


okay understand yes that's true we have to keep the kid gym clean right ya same with me actually ya


that's true I agree the gym that I went to also have their own like separations so that people won't like you know beat the social distancing measures, so ya you went to active it uh


oh !wow! nice that's nice, yes that's true ya so their customer service are very good right they're very very kind they'll remember your name everything


yes ya there're different different classes (mmhmm) that's true


yes true it's the same it's the same as my gym and we and know I went to activage right, (mmhmm) ya so I sign up for like a six month membership which is actually quite good because you know it's not that pricey comparing to different different gyms but ya every gym have their own you know good and bad


and so ya if for for you right you also like it's the same with me their customer is like and the customer service is very good like they are very kind and they even know who I am when I'm even wearing a mask they can even greet me like hi I was like oh !wow! and also the gym !wah!


it's very clean it's very clean and new especially the metal barbells right and dumbbells, yes I mean comparing to like I'm going to comparing like so the metal barbells you know some are rusty but it's not right and my gym is not that rusty I'm like !wow! they really do take care of the stuff inside the gym


okay, oh yes especially for someone who's working right twenty four hour gym ya, twenty four hours gym is best if you want to go at midnight or even you want to go at like what AM before your work


yes that's true one hour and a half hour around there right ya that's good because currently now due to this COVID situation, yes the shower all are super clean everything and it's very very good


yes I agree so ya they even provide us with all the stuff that we didn't like we don't like bringing like example protein powder towels they provide with earpiece if you want to workout with it right (mmhmm) and the best part is sometimes they provide shirts for the gym right


yes compliment T-shirt and water bottle yes yes it's the same for me and for you yes that's true


of course my handphone I use it (ppl) right (ppl) (mmhmm) [oh]


I just save money like in my savings account because I know that , I know that I will get , interest, by putting money in my bank so that's like for starters


then sometimes, I would like buy, , gold or like silver jewelleries to like for, , future use because if like there's something for something wrong


if I need the the money I can , I can pawn it to get money in the future


do you think about


first and foremost I know that like when you think about retire you think about CPF, and, and when , when you think about CPF, you think about work so I think


I I in like I work, to to to , contribute some money to my CPF so that, I know that that is like a, there's money in my uh when I'm old


you know like , there's a, save, it's like a safely kept money


ya I do agree it's like I feel this , this scheme or strategy is , mainly beneficial for the citizens, because I feel like


they can save money without, them like, worrying about the about the act of, saving money like when you work, they will deduct they will deduct some money from your pay and uh and to becoming actual contributed to your CPF right so


I feel like there's , there's nothing uh, to be worried about because I feel like, is, like the money is confirm, is for you in the future right so when ya


retirement ya obviously you will think about like living luxurious with your family right so, what do you think , what do you think


you can do like with your family to save money


recently would, I usually were, like open, a shared account with my family so that like everybody can contribute some money to the bank account and, the money inside can be used like for like uh most probably like my siblings education or my


, uh for like a short getaway like at, overseas you know for just, for for a retreat lah so uh, also we usually discuss


about our spendings and , when we discuss there's some things that we can compromise with each others, with each other so that we can be on a same page on savings and spendings, on a monthly basis


ya so before what were like an expenses I will ask my family first so that they will like adjust any bids that about, the spend each lah


oh it's important obviously and , just work when there is an opportunity because it will start your, practice of saving money for the, future ya, so when you save money there's a bit of money then you can research about the different schemes that is offered by the government


like for housing there's like a grant like certain grants, like to, so that the you, you wouldn't be burdened by like


the amount of money that you have to pay for the house, so this, one of the ways that you can do, and also for there's a different like you can also take like housing loan, but, of course you need to like search on it also like different banks have a different interest on


, giving housing loan so , preferably picking the lowest interest bank interest that is offered by by the bank, and ya, save as much as you can


ya, like me like open up another bank account for, my future use, so that it would be like safely kept but as as a young adult of course we


we want to spend more, could you share some of your


like what do you spend like during your pay day what what would you spend your money in


do you think a financial adviser is like a good, , alternative way to like , to advise to you, like how to save money


it's the same for me I feel that , uh I feel that, handling your, own uh money is more, uh it's not uh


what it's not like it's more efficient I feel because I know how I spend I know how my family spend so, and also like I when I if I hire a financial advisor or I ask question I will need to spend money for it


no I I would rather think uh of a solution or on my own , and if I need more help then I then I I ask a financial adviser


doing a side jobs like, you know side jobs, for extra income what do you think of it


like for me personally, , I feel , during this time during this COVID situation I feel there's many people are doing uh home based business I feel that is a great


side jobs like side jobs if not you are not doing full-time because, , by doing that you do you are doing something you love and, , getting money like profit


getting profit uh from the do from doing something you love, ya, it it it doesn't require you to like work everyday like, it's like uh own time own target


people are prone to spend more money than they think, so they will apply for credit cards, so what do you think of credit cards do do, they , do they , deserved not deserve uh do they


are they suitable to apply for credit card if


how do you think I can advice someone who has a debt


ya ya I feel like making a make making a payment for that is a priority because you don't make payment it will I feel like it will haunt you for the rest of your life until you're death it settled ya to be honest I will tell the person not to borrow money anymore after it's settled as being back can very very hard


so basically we, , of course the uh talking about customer service there's positive and negative experience right so I would want to know about your negative experience


customly custom sorry customer service also I feel


not really customer service lah like customer like, uh custom products also can like you bought something and you not you are not satisfied with it


felt that there's one time, , it was fasting month I think so I went out, ah I went with my friends to eat at this , food court, or restaurant I think ya so I I bought


I bought food, oh for breaking fast lah, so , I was so excited when I see the food obviously you paid for it and it's time to eat, right ya so, when I eat it it looks it looks edible


but when I put it in my mouth, actually the food , is bad like it it tasted bad, ya uh apparently the food, had gone bad like you can't eat already ya


so, so actually !ow! the next day I had I had a stomachache, by like because of that, so I just reach that, I didn't I didn't pay for the food because it was like


it's not edible anymore, ya, and it affects my health, the next day , ya so I I really, think that the the cook, need to check their


ingredients before they cooked or like serve it to their customers ya, it's very sad because it's time to eat like it you've like I've been, not eating for like, eight hours


ya more ya more less eight hours then is when it's time to eat the food it is it tasted bad so, ya, so what I can do is just to, to drink, and buys as much water as I can


and nowadays people always crave for bubble teas and I'm like, Starbucks


so do you have your least favorite drink


ya ya ya I understand


I think it will be there's one time my friend bought almond, ice blend if I'm not wrong, so it looks it looks nice so I tried it, and the after taste it was horrible


it tasted like , if they say like, medicine, I guess and it's bitter also , ya and the and the pearls are not helping even though it sweet, the pearls are sweet ya


doesn't help so I , but it's like , it's not my money but it's okay it's just it's just, I don't like it


ya ya you shouldn't try it, ya how about the things that you bought, online also because it's like pandemics you can't really shop, outside so


I have a lot actually that's why I don't like to shop online for clothes because like as you know I only like I need to wear long-sleeved shirts like our clothes ya, so I always there's one time , I bought like a lot of


shirts I think, shirts and outer wears, that are long sleeves, so I was like very excited it was so pretty and the model who wear like the pictures, pretty also so I when it came I was so happy


but when I tried it it was short, like very not very short but it's like, three quarter sleeve, and I really don't like it ya, so I mean


I I think , I think it's my fault also because like I need to like, see how I wear it and like visualise how are it and compared with the model who wear because the model size is different from me right, ya I I also


I bought like more than one so all of them the sleeve is not up to my, uh, up to my expectation so of course I would be, angry lah because I spent so much money on it, ya and one thing about online shop shopping is like you can't stop


like , when you see this thing !ow! so cheap then did you it makes you want to buy more, ya so but uh when you, buy like clothes like in one-shot, it's uh the end it doesn't turns out uh what you expected of course I would be


why I will not, a why I don't like like will not recommend, , any product that I would, I would I wouldn't I would avoid is


asking uh any products of skincare, product right or brands, , actually I know like most of people like this brand, of perfume


it uh, like it's a particular Victoria Secrets perfume, so, you know like most , some shops said sell


uh Victoria Secrets perfume, like at a cheaper price not the like it's a imitation like, I think like, ya ya it's like a cheaper price than the original one so , sometimes the smell is not really


, aromatic I I guess it's not really ya, and , ya I just don't like it, and it's , and they have a different like colours and,


flavours I feel like you smell, ya and, sometimes it's okay sometime is like really like, it's unpredictable lah for me, yup, and it's not really good and it's like short


uh short-term, uh it doesn't last on you


yes yes yes I understand


ya yes I agree


sorry sorry , I have this, experience when, I I bought, uh I think I bought the one a bag, and, I feel it doesn't last long


and it it's very disappointing, ya price quite uh quite, expensive I feel


ya, have you encountered that kind of


part two, positive experience


I remember one, that I, actually I there's one time, I I , sorry can you repeat your question


oh kay kay kay I remember already okay so I remember there's one time, I bought I, I bought a I bought a laptop for my school, so at first I thought uh


the camera the camera is not working, so I, I eh I E-mail if I'm not wrong I E-mail or chat online chat with the, person, with the person and I said my camera was not working


the, uh the customer service agent was, uh, was so nice like it, uh it was I, if I know is a she she she was like uh she was so nice like


, she will ask me like step by step like do you see this thing on my laptop do you ah can you open your camera app , so apparently, , it was my apparently it is my laptop is


completely functioning, like it's just that I forget that I accidentally press, a, the button which turn the camera on off, so I so I


so I was like so, I'm I'm just, so speechless because it was it was like, on my because of my brain but, uh nonetheless I feel like the the person who handled this situation is


very calm very patient with me even though like it's my fault and I just called them for no reason, ah it's just like funny and positive experience for me , from ya what about you


ya I mean I understand that because when you call like for us for help and you wouldn't want like someone who is uh, who talk very fast and not patient when handling your when handling like our problems like when they are very calm and have


uh like have a strong, uh knowledge how to handle these problems it, it makes you feel , it made your day lah basically


so do you have, , how about like when eating outside do you have positive experience about it


eating outside I don't usually eat outside but I remember this one time, I ate, eh , if I'm not wrong is , eighteen chef


if you know ya so, uh I, I love how they, , their customer service, like they will, they will their customer service is very fast like , you ordered like when you pay the money like the food will just arrived in like


like less than less than fifteen minutes like that so it's like and food is like really really hot because I mean of course people like like their food to be hot like uh unless it's desert right and I love how they serve the drinks first while waiting for the


food ya, and you that day I think there's one , there's one meal or, it's there's one meal or, it's a


package or something like I I think I ordered like this, , cheese platter I think I ya cheese platter so the person will just like put cheese on your food, like they will ya eh yes but


okay I remember they have a, stove so it's like a portable stove so they will put it on your table, so I was, so I was uh sitting near the stove so the staff is, uh the staff make, and make


oh make and what is it called, what is, uh ya I so I sat near the stove so he made , uh he asked me to I mean, I don't know I don't know is she or he but


the the worker asked me to sit another place so that they it won't it will not be so hot, you know ya it won't or may not, so hot so that's like I feel like it's a good experience like, some I think like some worker who didn't like, to care ya ya so I think that's


ya one of the positive experience for me, ya like, what about uh buying things online


online shopping oh ya I recently bought a, contact lenses uh contact lenses especially I'm wearing specs right so I bought contact lenses from this, , shop from Instagram so it was very nice that's why I bought it and it's very like it's quite affordable


I mean it's affordable quite cheap, so uh, so I was happy after paying, then I realised like one week later, I realised that I didn't put, my , I didn't put my uh


floor number, my door like unit eh unit number I think is unit number, so I was I was so I I was so panicked like I panicked, then I thought the the owner, that like oh no I forgot to


give me eh to give you my unit number but, , but the person who replied, uh didn't even like, blame me like because


and it she said that it's her fault to not checking , so by uh then she's, she said that uh hopefully the parcel bounce back to her so that she can , re-send me ya ya so


it will it was like quite nice to have someone to, uh like, always blame the customer, ya so it was quite a, positive experience for me lah like on online like buying something from


IG stories ya IG I shop sorry nope sorry ya


ya this one also very recent encounter like I cannot access my uh Singtel account so I called them, and they explain to me that, actually I just applied like one week


ago, like I would I was trying to connect, my uh Singtel account to my Singtel app on my phone, so I called them, , we I I think we chat


via WhatsApp, so the person was like, ask me step by step okay , put, put your IC number here like something like step by step, so I am I did it then apparently


my service is not activated yet so it's my fault again ya so after that, when my my the service as is activated, I still can't access my account, through my uh


Singtel , number, so I called again and same thing I chat through WhatsApp, then, they like the same things step by step and everything, and the person


even though it took a a quite a long time, but the person, settled my problem so I'm, I'm quite satisfied with their , their customer service


ya so even though it's a it's like worth it's like worth it lah calling them


uh I think customer experience is very important for the company ya having more positive experience makes the company, , I mean not more couples positive experience I mean


the company uh wanted, like to the company, aims to satisfies all the customers so I feel


part one finance


okay talking about investment right, how do you usually invest, your money


same as you uh for a starter I will usually just save it inside my uh, you know , savings account because uh how do we invest in savings account is like usually they have, low risk in losing money so however even if it's low risk they'll be low returns but I think that is still the same


first way to invest money so that's how I've been investing my money inside my own personal savings account actually


retirement well sometimes I do think about retirement like, I wonder how I would be able to you know, save my money for when I'm older like how I can use my money for that without worrying


for other things, speaking about that don't like how do you, save up for, a little part like when you want to retire like, you know there are some other things that you can consider but how do you


I guess for a starter for everyone is that they will think about CPF ya you know your CPF account you have the , special account I believe whereby it's, for retirement ya so I think I


actually like that part of the CPF, project I would say because you know that it is difficult for, uh most of us to just save our money somewhere so by having CPF contributions


uh I believe that, , many people will be able to, not really so much, about uh, your savings in a way, like that ya, because they already put aside a certain amount of


uh money from your pay check monthly uh to prepare you for your future also, so this is what I really like, the CPF, scheme would say, ya, what do you think do you agree with me do you like


or do you disagree, with the CPF


with my family to save money, actually that's an uh, interesting question to be very honest uh as a family right you know uh, how when we get older we have our own houses and then we start to live apart from our parents


right so, ah I feel like, a way to somehow save money and earn money at the same time , uh is to actually get your parents to stay with you and then rent out your parents' houses and that way they can earn money for themselves


uh when they retire and I think that's one of, a good way to, put aside money for, themselves in a way, ya, I feel like you know we shouldn't just depend on


CPF contributions to uh like, put aside your money for housing or for retirement like there are other ways also rich, you can do and for me is, I feel like that's what we can do what about you what do you think


but other than, sorry, ah alright ah you know other than, just, a part for from saving money for when, uh we want to retire at a later age right uh what srategies would you recommend to someone who plans to


you know, start a family or buy a car or a house


monthly spendings me, oh okay uh, you mean like how much I, spend or like, what what do you mean by, or, or like how I use it


you mean, oh okay so first thing first I would put aside about twenty percent of my salary, for my savings uh, ya I put it aside that twenty percent to save and then I will pay all my bills first


because that's my main priority, like I know that if I don't pay my bills it will get, really difficult you know like it's not, a nice feeling to get a bit behind on your bills so I pay my bills I put aside my savings and then for the remaining uh


if I have more, then I guess I can I I would usually like, buy myself uh something or treat myself outside and then, ya, I I don't necessarily spend all my money if I have extra


at the end of the month and then I'll just put it under savings, if I don't have any more extras then, I guess I'll just uh leave it as it is, because I know that at the end of the day I still have my other savings for the future so there's


nothing much for me to worry


uh for some people it will be good for them as you know they might need more assistance, in uh like, advices on like financial, and all that but at the same time


for me I feel like, uh it's okay if I don't, use like a financial advisor, uh sometimes maybe their ways might


often not work for me and my kind of person I just love to explore, like the different kinds of way and then see which one works out more for me, for, I think for me I would not prefer to take a financial advisor and


to be very honest sometimes you know we have, more free time, then we expect and what I like to do with that free time is that I I really prefer, to keep myself busy , but at the same time


earning something out of it, so , I believe that while doing this it brings, me benefit in terms of, uh I have like more side income , so I can spend on more other things also and ya like one of the things that


like mini jobs that I can have is like just, taking probably about, four hours per day or five hours per day by delivering food to houses or just doing small errands, and you can get money out of it also


what about you what would you do


I get where you're coming from it's a good idea actually I like that


to me it depends on individuality if one is more, disciplined in, you know ah, setting aside money to pay for , the debts or loans or anything like that I think that it's okay for them to take a credit card because


you know uh a credit card the burden you have a credit card is actually quite big in my opinion , because sometimes you just spend without even realising and then at the end of the month you just have to pay more than you will realise, ya


so I think that having a credit card you need to have a, stable job with, uh pay that can cover up, the extra costs, and you need to be really disciplined in, ya putting aisde of money lah


ya so that's my opinion


you shouldn't leave the debt alone as it is, I feel like even if it's, a little amount you should at least, get your debts settled slowly, ya don't just leave it as it is in


you, ya like you will still, how to say if you don't pay your debts slowly uh you will think that oh it's okay I can just pay the next month and the next month and then you wouldn't pay it and then your debts will keep on piling up so to me I feel like you should just


pay slowly and eventually you are finished out all your debts and then I feel after that you shouldn't, take anymore debts from, anyone or any places


seem a good idea to what do you think


part three, negative experience


my negative experience uh, any negative experience or is there a specific, alright customer service okay so uh there is one time whereby


I just , went out to, I see I see


excuse me okay so there's this one time whereby I just went outside to have dinner, with, my friends, so what happened was that we we were seated at our seats already so


uh, they were actually supposed to, uh give us whatever we ordered, right so uh they missed out, two things, from our order list, and then I just went to them like one of the staff working


there and let them know that, they missed out two things from, uh our order, but the thing is, they refused to give us, what are the things that they missed out on and assume that we were lying to them


because they just did not want to admit to their mistakes, ya and then, I was really mad about it actually I am really really angry about it but, you know, it's really upsetting that I couldn't


get uh, the thing that we ordered for because we were there for a nice, catch up and dinner session with friends but, it turns out really horrible for me, because in the end


we just, had no mood to continue eating there, and we just went out, of the place, because they were very unwilling to, serve us, and I feel that that is something that


everyone shouldn't experience, because it might be a special day for someone, what if it's someone's birthday and having to experience, such, a negative thing, on that day I feel it's really really horrible


ya so, that's one of the things that , is still etched in my mind that I couldn't get


actually I do , uh to be very honest, I don't drink coffee it's my least favourite drink ever , it's the last thing in my mind I wouldn't order coffee


even if I have to okay first thing first the reason why I do not really like coffee because it actually does not work for me you know uh people usually say that caffeine works for, uh someone who wants to stay up


and, you know just get things done but, caffeine does not work for me so, I feel like it's not really necessary for me to drink it and, personally I do not like, bitter taste


and coffee always have this bitter aftertaste after you drink it and, it's really not meant for me, because uh it will be there for, quite some time, and I find it really


annoying ya because, I'm more of a sweet person so I prefers sweet sweet, so I prefer sweet drinks or sweet teas


and, ya any other drinks but not coffee, ya it just, too much for me to take actually, ya, so what about you what what is your least favourite drink


I think I would want to add that inside my least favorite drink to them, , no I wouldn't want to even


oh gosh you have no idea, because during this period of time especially I spend a lot of time browsing through online shopping apps, and sometimes I just


buy things for myself from there so you know how you can even buy , thai milk tea powder from there like it could range from, gadget gadgets, to clothings to even food right food food or drinks and


et cetera so, I went I went to a an online shopping application to get my, thai milk tea powder because it's actually one of my favourite drinks, but, oh gosh it came


expired, it was way past its expiry date, I was really upset about it because you know it, when a phase one started uh it was quite difficult to find, thai milk teas outside


ya I mean, even so like sometimes it would be not available on online, food delivery app or you know I just have to travel outside which I do not want to risk it so I just


just wanted to try my luck, in getting the powder online but I guess it wasn't a good, idea because it came, way past its expiry date, which is really horrible for me and what's worse is that I couldn't get any refund back from it


ya so, ya that adds up to the negative experience, that, I got from, that, which is really horrible


is this really unfortunate that as much as we get good, I mean positive experiences from , uh the services that we get we also have to experience all the negative experiences to it's just a matter of


how we handle it, personally too I guess, you know like sometimes, if it's not really too much of how they, serve us uh it's


okay I can still accept it but sometimes if it's, too much for us to handle it just, really unfortunate, you know it really affects us ya, in a way which


I find it really sad ya, but apart from all that right you know that, we girls, are usually more particular about our


skin and, all that and we tend to buy, different kind of skin products to, test out ya so, do you have any brands or skincare product that you will avoid


and why and would you give, like would you let me know what is it, ya ya that's what I mean


probably oh ya ya I I understand


I get what you mean


I get where you're coming from, , I get what you mean , uh for me there's this uh I try a lot of facial wash before


because uh, I just want to know which one works out best for me but there's this one time I tried this one facial wash it's called, Clean & Clear I believe, I think so I I don't really remember its name but it somewhere along the line so it's in this bottle it's orange in colour apparently


that facial wash does not work on my skin like it gives me break, outs, and my kind of person like my skin don't usually get breakouts, ya so I think


you know it's not recommendable to get that, facial wash because if it affects, me, I think it might affect other people with more sensitive skin even more which, it's not nice you know


because, the reason why we all buy this kind of facial products is to improve our skin condition and, to feel, nicer about our skin condition and you know, if you feel nice about yourself it's like a better you get what I mean


ya so having to have, uh this kind of products that might, affect, affect our skin condition, I guess it's quite


I see I would say uh, not nice because I feel like, if it doesn't work on a lot of people the product should not be launched


ya , ya even you know sometimes it might be affordable but even if it's affordable I feel like they should , , maybe get more feedbacks from customers about the products and if it's working or not and if it's not working I feel like they should disband the product or make a new formula for it like try to improvise I mean improve it to make it more


like a better version of it, ya because if not, I feel like it would just be , uh putting their reputation down in a way


ya because ya you know I feel like that brand is quite, uh known to a lot of people, so having a product that might bring their reputation down could be quite unfortunate too in a sense and they might might or might not


lose some customers also, so ya I feel, you know they should really, do something about it


what about its price though


usually I don't really encounter that kind of things but mostly the one that I've encountered are, just online things , which I think I'm quite fortunate because online things are


a bit on the cheapest site usually so for you having to experience, such a thing like when you buy something expensive and, it being then like damaged easily is actually really really unfortunate ya


part two, positive experience


you know uh we go out every day and, we probably encounter a lot of, things with , maybe customer service or , you know all kinds of thing so


will you let me know any of your positive experiences that, you have with the consumer product or service


or like really just uh, tell me any of your positive experiences that you had with, uh, consumer product or service


me oh so uh, I remembered calling SEAB, because uh I just wanted to, ask them about my schedule, uh because, I thought I have misplaced my O level schedule


so I called them and ask them some questions and I remember that the person that answer me was a guy, so , uh he was really patient and his tone of speaking was really nice, and it's actually very pleasant for me to hear because I remembered calling him


quite early in the morning, ya so, you know sometimes when you just came in for work it might not be easy to straight away answer calls but he actually, really talk to me nicely and answer my questions that I had for him about my schedule and


I feel that, it's something that we should all have in ourselves, because , I remember how nice it is to have a positive experience with


you know uh a service like, it's just so nice that I feel that, everyone should experience it, ya so


that's my positive experience I've had, one of the best that I've had


really agree with it, of course of course I do have a positive experience while eating outside


so , I do like eating buffet so, where do I go I usually eat out, to Seoul Garden whenever I feel like eating, korean buffet food lah


so uh during this period of time during this pandemic so K usually how Seoul Garden works is that when you go there, you are allowed to take your own food like at any point of the time and, you can just keep on refilling your plate


over and over again but during this time they don't allow that so what they do is that , the staffs working there will, uh take whatever you wanted, for you, so they will give out this one


small sheet and it has all kinds of, foods on it like it has meats and , uh ready to eat food and drinks so what you have to do is to just take them or, there are just circle how many portions you needed for that one sitting


so what, positive experience I've had from there is they , they were actually really fast, to, respond to my calls like when I just raised up my hand one of them will immediately come to my table


and they will serve me uh without, uh giving any faces or, really, bad tone you know they remember they even like ask me if there's anything else like need and drink uh


points of time when I was eating and my drinks, uh you know, finished already they immediately came to me and ask whether I want to refill it I don't you have to call them for that like they will immediately come to me and ask me so I really


like that ya ya that's what a positive, experience that I've ever experienced, while eating outside


buying things online right so buying things online, uh right now when, K when you buy things online uh all you have to do is to just search for the things that you want in and then you select whichever you want and then you just pay for it right so ah I remember there's this one time whereby I ordered


things online and then , and then, uh the thing that I ordered for didn't come for so long, so I asked, their , what do I say their


customer service centre online, I ask them uh why, is it not processing because I remembered that my order was not processed at all even though I have paid for it, so I was, really frustrated over it


because, you know you spend money on it so, you kind of expect that your things to arrive but the thing is it was not even processing but uh the person, uh replied to me uh and then asked me what was the problem and ya I told them what the problem was and they replied to me nicely and then


they say that they will give me a refund and yes they really did give me a refund for the items and they even send me uh something small in order to cover up for their, minor mistakes so, I feel like this is


a really, nice thing to experience as a customer, because of course you wouldn't want to, lose your money just like that when you're expecting something to arrive, so, ya that's one of the


things that I have, great things that I have , experience from online shopping what about you


oh ya speaking of which though I remember you telling me that you used to, use Singtel at home right, uh ya so uh do you you know is there a time when you called their customer service hotline before or something for


I don't remember uh it's, I don't call them because they don't have a contact number but I do contact, Circles you know the, Circles Life I believe


ya so I used to use Circles Life uh a few months back then I wanted to deactivated my, SIM card, ya so the thing is if you don't uh contact them to deactivate your SIM card your bills will just keep on piling


so , I remembered that I know that uh you're supposed to, deactivate only at the last day of the month or the first day of the next month but I got


I forgot about it and it was, somewhere during the mid month, ya so I tried to talk to them and ask them how is it or you know will they add on to my bills if , I forgot about it because


you know it's already way past the, deadline for me to deactivate and then so what they told me is that uh uh they wouldn't add more to my bills and then they will just, allow me to deactivate my SIM card


at that moment so I am really really thankful that they allow me to do so because, I know that, uh according to their rules, it's not the right time for it so as a customer


I feel really happy that they allowed that to happen because if not I'll be unnecessarily paying more, for my phone bills which of course I would not want to because it's just really unnecessary right so uh I feel like it's really nice


to have them being uh understanding, of, me and allowing me to, just, deactivate my account even though it's not at the end or the start of the next month, so ya I feel like even even so it's just


a nice feeling to be uh experiencing , such good customer service, and, getting good products, from them and, ya, what do you think what what do you


twenty minutes twenty four seconds


do you have a saving account if so share your experience and details, name and features of the account of your accounts if not why do you choose not to put your money in a bank


ya me too I do I do


spending account , okay so for saving accounts


I separate the the accounts uh the three banks that I have, for spending for saving, number two, number two do you have, a credit or debit card if so share your experience and details


name and features of the card of your credit or debit card if not why do you choose not to have a credit or debit card Rovita you want to go first


okay okay, think uh I keep one card for my usage because every time I spend on this specific


bank uh with with this specific bank they will give me rebate so I will keep using that so long as this card give me uh what do you call this a waive off for my annual fee I will keep using if not I will just move on to the next one cause ya


I think that's that's that's that's encouraging just to keep one


I think they just need to be in touch with you if they can upsell they upsell because I do I do , I do okay one of the banks they called me up, uh no I actually received this uh payment due for the annual fee so I didn't get it waived I was very surprised so I said moving on I'm not going to keep the card I I think the reason is because I don't I don't pay attention I don't use that card as much


so maybe that that's the reason why but I was kind of disappointed because I would I would have if they were to uh highlight again uh why I should keep this card then I would probably use this you know because I want to, I want to reap the benefits uh that's that's why I'm keeping their card the reason why they signed me up or I signed up is because there's some benefits I'm keeping if not I I won't collect it in my wallet yup so ya


ah, uh debit cards I think for now I'm using debit cards most of the times there's two debit cards I'm using constantly uh it links to points


I mean I get I get what you mean ya, so, Ravita actually I didn't hear that last part cause it's sound like a robot so that's why, but do you think we can move on to the next one which uh is do you think couples should combine their finances and open a joint account


yes, do you think couple should combine their finances and open a joint account


okay good okay okay yes, uh, uh okay actually I I don't believe in having an account joint account with my husband until I had to because there was a refund that


is from the the, let me see there was a refund that's made, for both of us for uh our house purchase so and the the ya so that's the reason why we open an account and then we decided to keep it because we decided to to save monthly and have a commitment


for for for for I I mean, for us to uh have a bigger purchase so that's the reason why we're keeping it that's easy for us to track so, I think this account let me see share your experience and the details name of account uh features I think this account


is we we keep it because it's a savings account and this savings accounts because it's linked, to our main account it's pretty transparent we can just login and see how much uh how much is left so that's that's the reason why we we want to keep it because of the functions


yup okay Ravita can you hear me, okay let's let's go to oh okay let's hear your opinion


right


well okay let's see number five at what age should you should a child be given an ATM card to manage their own bank account if your child has a bank account share your experience and the details of your child's bank account


Ravita my, my my son is uh in primary one but he I mean automatically uh kids right when they're born they will have an account attached to either one or sorry either two or three banks okay so automatically will be linked to the mother's


so I I, think ATM card I don't think in future they need an ATM card they probably go, have a online app, to spend you know uh that that I more curious and how I can control that to give them a card uh it's good education because I was given the liberty to manage my own finance since I was young


I don't mind starting early as early as secondary school just to learn and we as parents we we just have to you know have to to know the limit that's in the bank itself so that they don't overspend because I hear my nephews


at at primary six they're spending uh big purchases like handphone is big purchase one thousand dollars is big so yup I wouldn't allow that so I'll wait until secondary schools thirteen years old what do you think


got that yes yes yes


yup yup yup


hello hello ya we're losing you, I can't hear anything Ravita can you hear me, Ravita can you hear me ya, okay so


okay we're good Ravita , , you're good to go now Ravita, okay


okay ya K yes Ravita let's go to the next point, thanks for sharing


ya fascinating, I agree uh I mean I really learned something from here, okay uh we're pressing for time can we go for the point six cashback points or miles what type of credit cards do you think people should be using (mmhmm)


let's start with me okay cashbacks uh absolutely for now I'm shopping as a mother, I'm shopping a lot for food food and that's that's all food okay groceries so I need a lot of cashbacks because I'll be using that one card debit or credit to get these perks so that I can keep using


uh, uh and reap the benefits for miles I used to collect points you know uh at it attach to uh to the point system where I can redeem bigger things like flight, tickets and so on which I used to have it but


ya, this which type of credit cards do you think people should be using I think it depends on the purpose uh the intention of the person that's using the card so cashbacks yup points


uh which is very popular now if they shop at the major supermarkets they will be prompting people to use these cards, ya so to I mean the idea is you know to retain your customer right so yup that's why Ravita would you like to add some more things on point six we're at we have uh less than one minute


agree ya


part three negative experience, describe a time when you order a product from an E-commerce platform Lazada Shopee Taobao Carousell and it failed to meet your expectations you may refer to the following point


okay fine uh let me see I bought something from, I bought from, I cannot remember which one is it okay okay I bought


I bought a top, you know you know I'm a big shopper in clothings cause I'm I was in the fashion line for quite some time so for me quality is very important and I would pray I would pay the price of, , a a top right which I'm


I was looking at the same thing on the E-commerce site I would pay seventy dollars for it okay I will just say uh seventy dollars, but this particular top I, think on the photo it really looks like we can sell it for about fifty nine dollars maybe


you know , but when it when this when this deal , was actually selling at nine ninety, I became very curious because it's coming from china, and


I I want to try out the quality so obviously I like this design I just want to try out on the quality , when the item, I will speed up next straight to when I when I see the product okay first when I saw the product I was kind of


excited because !hey! the colour it's pretty nice you know it really is is, it really looks nice it looks exactly like it's on screen, but when I try it out okay it's pretty odd because the measurement eh maybe I mean


being in design we actually can see like the proportion of the hands you know the sleeve and the the length of, the top it just doesn't match so I'm not sure where it go wrong here, so I was kind of disappointed because if this would really go


well and selling at nine ninety with this kind I mean with a slightly better quality better just better measurement right, they will get it right and they'll probably get, I don't know they'll probably get me shopping more things with them but it's it's a blessing because I just I just feel that


I I'm always right when I see something that's really cheap I know something will go wrong, so when I look at it , when I keep browsing you know the next few things that I want to buy when I look at everything that is in my in my what do you call this the buying cart right that cart I saw that !wow! all these designs with the


photography and everything else really looks so good I'm so glad I didn't purchase it okay so , this I I would I would I think with this experience right I go on a cheaper, product, which is a five dollar fifty cent item which is


for I don't know how the uh how do I describe this this is actually like a bag for me to grow potatoes okay so this is for me to grow potatoes at home , I know right so it's actually for my son it's for my son to put because he said after watching one of the movie he said he want to be a potato grower uh I said fine let's so


we bought that thing , my goodness, it's as good as me just putting you know I uh substitute it with something like a container and just plant from my house I think it's such


such a waste of money eh you know you keep it let's say I keep buying five dollar fifty cents times like what three hundred sixty five days everyday go shopping right , you know how much money I can like put aside and do something with it so I was so disappointed I don't know about you have you made any purchases that's below ten dollars


okay tell me


but what item did you buy what did you buy


the brand flip flop you mean


, inconsistent


great


yup yup


[orh], (mmhmm) (mmhmm)


supplements no no I don't


[orh] ah this is this is something that I want to highlight you know I'm beginning


to think that all these E-commerce platforms right are they get trying to get rid of the stocks or, you know it's just bad stuff they're selling on I'm I'm not saying, all okay these things that goes on really dirt cheap right they're just getting rid of the stocks so that they can move on with launching their you know they they they have it overstocked you know they have to sell all these to really monetise it right so and so that they can launch the better product here so


ya at one point of time I don't go on, seriously I will I will use the word cheap because automatically I would, relate it to bad experience, but now all things that are cheap is bad, okay I I I mean I'm just just to ya


but uh, because of what sorry


did they give you the money or did they return you the credits in credit form


okay, cause you need it right, ya exactly


(hmm) (hmm) ya


Ravita how would you caution people not to use the platform to buy these, products


(mmhmm) (mmhmm)


no way, I knew it see I knew it just ah


exactly exactly that my husband always say like you read the reviews first ya if no one buys that means there's something wrong with it they'll probably refund you because they it's just a trial you know I I don't know there there could be a lot of things so yup ya ya they will lose a customer ya oh dear ya right ya okay


part two positive experience


travel and tourism


very nice I feel like going turkey for the longest time ya, I will one day I will, very soon, so I'll share with you my experience and I'm I'm not a fan of buying uh tour tickets but for this specific trip to the middle east uh


plus jordan plus that's like saudi and then ya saudi and then we went to israel we went to jordan's, I think I I think for the first for the first time I mean for that objective right


we needed to get a package because my husband said I mean this is not his first time he just he went it went seconds ah he just needs to be we need to be taken care of so we just want to focus on the objective of, being there okay being present to you know


uh the objective ah we we let we let the uh agent, uh agency just plan for us and we just had to just choose the dates you know so I had a very good experience because everything was very organised okay I think they have been around for more than twenty thirty years I think that's why we go with it and a lot of my family members actually went with them


and uh it's very important because we we want to have that kind of relationship with you're like going with a family and you'll you you want to feel you know at at the same time you want to be on your own too right so I have that both experience very nice ,


we really hello, angel should I go ahead, okay so I'm going to continue Ravita


okay I almost ya


did you tap did you tap your phone gently tap, okay okay


let me see where where did I stop can somebody, the itinerary I think it was, ya it's something that we okay I mean


the thing why I'm satisfied with this and happy with this purchase is because, , I need to be taken care of you know uh following the objective of this trip right so it was really really nice uh I mean


we we got to we you know we we we we need to do what we need to do you know, uh that the time is very pressing we wish that we were in some other you know places uh, more but , I mean this is how they plan it around because there's a lot of uh


there's there's three countries to go within that two weeks you know so so time time I mean I learned something from here I could have just I mean my second trip, I'll probably buy my own my my own ticket and then just you know,


get on a hotel and do on my own rather than, you know just go on with the, with the agency again but, as this experience for first timers it's just sometimes , you need to focus on a few things ya which is just is is like


this this trip is, , I feel that it's pretty expensive , to go on uh to pay that much okay but the, the hotels is very the hotels are very near to where the example Damascus okay and then it is very near where we wanted to visit


so getting around and then they chose they chose the, location which is pretty good, and then the they chose the places to eat which is really awesome uh something that we we we wish you know it's


exactly what we wanted so I think, I'm pretty satisfied uh for a first timer to buy this tour package, ya so what I did was when I came back I've, I was like blown away by the whole trip because


all along right when I plan my own trip right there must there should or there's probably a lot of, hiccups that I encounter but this time round I just want to be taken care of it's so smooth and I just had, like I have no doubt that I'll I can go back there again


, using the same agency so it just speeds up a lot of things ya and it saves my time ya as busy working mums right, we just, ya we just we just want them to do the work for us


do you have anything to add on that


I think I think we spoke about this last week right like we travel as a traveller or as a tourist right, ya and we both prefer to travel as a traveller right so I do I, I I mean I agree with you I see


I see myself travelling to Dubai and you know any like vietnam and all these places right , just to or even states I go there, as as a, let me see as a traveller, I I I I eat local I dress local I did think that I'm even local you know I even adopt a lot of things like


ya I I learned a lot about the culture I think it's beautiful, uh comparing to being in the you know that it that zone where I mean I'm a tourist, right with the agent I really feel like a tourist I'm taken care of and I I cannot explore a lot of things I can't just say I want to go here because it's everything is packed for me my itinerary is packed for me but this is what I want for this trip I had to


uh I want to go with that I have a choice but I want to go with that because I just don't want to think about it I just want to go explore the maximum, okay I don't want to do research about it but what I know is when I talk to three different agencies they all say the same thing this one fix my schedule I'm going with that you know


so ya, but if you were to ask me I would rather get a ticket get the points and then get that, get that hotel that I like and then just explore maybe my second trip I'll do that, ya


so maybe we should do our trip lah next time Ravita we've been planning this like two years ago , , [orh] beautiful I love barcelona you okay we're good


, right right


I think I heard this ya I think it's awesome


part one finance


do I have a savings account yes I do


ya ah it's just sits there is funny like if you have a current account it's a little bit different because you know you you it it it sort of works on revolving basis isn't it but savings as as the word suggests you know you don't touch it so basically for my savings accounts it does that save


I'm not sure about you it is it it also uh associates with the purpose of why set up such an account because there are many different types of accounts checking account saving account current account deposit accounts blah blah blah fixed deposit ya exactly right ya okay


so can we move on debit credit card I've nothing else to say about savings accounts, , so credit debit card uh experience !wow! I mean


I tend to be quite fancy with my range and repertoire of credit card ownership because uh, I associate the cards with usage, so there are a lot of co brand cards where I use because I'm you know a a patron of those brands for example so


uh I my experience has been variable across the different uh credit cards that I own there are some favourites obviously now because of the pandemic I've reduced my, you know focus so to speak across right right to our cards to just maybe two or three ya just because you know I'm trying to keep my spending a bit more focused and of course travel is down so I I use I don't use certain cards anymore because there are no more traveling involved ya how about you


ya I mean on the subject of annual fees right I find that credit cards tend to be like I mean when I first started using credit cards twenty years ago


they the it's the other way around you know the banks are clamouring for your attention ya the banks are are are all literally throwing those credit cards at your feet going come come come take take apply and stuff like that but I think now annual fee, waive annual fee waivers tend to be a bit of a


you know they tend to be pretty easy to uh uh uh accord for as far as the banks are concerned in the in the past I guess because the credit card usage in general is very low uh I don't see the sentiment to be the same nowadays because I find that


it's not there's no particular I'm not going to nitpick any particular bank I'm going to speak broadly across because it seems to be like that you know they associate they tends to there tends to be a lot of quantification to, uh the usage of the card the association to to the card if you keep the card it's just sitting there in your wallet for the whole year you don't use it they may not as uh accord you that waiver I'm not sure about your experiences but this is my experience like you know even if for example I'm a top spender right I still have to call in


to request for that waiver which I find to be kind of bizarre because the bank is tracking technically my usage lah you know so you should be able, to just automatically waive but uh in the past it used to be like that but now I have to literally monitor this and and and track it you know and literally request for that waiver to be done so I'm not sure is that your experience as well


yup (mmhmm)


I've yup , for me I've actually, been over the years invited by banks to sign up for cards all sorts of cards I mean geez from mall cards to travel cards and all sorts of things and sometimes when you sign them on


at the point of signing you remember and as you get older naturally you just don't bother right because so many cards and you have your favourites and you have your second favourites and then you have the least used ones and you use that as and when the uh the opportunity arises you know especially with mall cards like mall-related cards mall mall branding kind of cards


and also I guess it's I feel credit card usage, is directly linked to one's lifestyle, you know so if your lifestyle is such that, example you as you say you use it for shopping or you use it to get rebates of your supermarket purchases or whatever


uh in my case I use it you know uh when I have when I travel overseas there are specific cards that I only will use for overseas spending because now they've got this activation of the magnetic strip right on the card so you you you have added protection and you don't have to activate all your credit cards you know when you're travelling overseas for for security purposes so I like that function


but what I find to be a bit of a nuisance is uh, because you have so many cards, uh in the in your possession uh the annual fee going back to that becomes complicated because sometimes in one bank you may have like four five right and then you go like okay I'm using out of four five may be one or two really actively and the other three is like whatever you used it maybe once every two years or something like that


and you forget that there's annual fee tagged to every single card what I find to be again this is this varies depending on the bank uh, it depends on whether it's they are offering it to you directly or you went to apply for it, uh the waiver tends to be conditional and uh the waiver tends to be wavering that it's uh it it it's sort of it's sort of it's very much dependent on the nature of the card so like for example it's a more popular credit card there are a lot of people are using they tend to be a bit more picky with the waivers


and when you want to cancel so I find it interesting that you can start off the credit card journey very easily right kay just buy get tell I I want this card then they will set up for it and as because your credit details are all there but when you want to get rid of it is very tough


it's the problem I'm faced you know so like I've tried to cancel a couple of cards and they've just not allowed me to they come out with all sorts of marketing reasons to to have you hanging on to that card and so it becomes a white elephant in the wallets I'm not sure if that's your experience but that's mine


no I asked if you uh shall we move on to the next question


, uh ya I can yes


I think you you can talk about you can talk about this because I'm not married so I can't vouch for couples joining accounts , ya ya


yup, ah yes my, opinion my opinion on this because I


ya because I don't have uh I mean I'm single but uh I feel that as you say in the event that that I think the couple in by protocol should have, one joint account uh for administrative purposes but should maintain their own independent accounts uh for posterity purposes and that's the end of it right uh because I I believe the independent assets independent assets are


uh will remain quantifiable even though you're married uh this is my view and that's it full stop let's move on , ya


you start I got no child


, okay my view on this is mixed because uh now with the complexities of financial and uh by the financial system the ATM card can be


similar to during my time the passbook which I grew up with right, and then they got this little squirrel thing you know where they got stickers and all that kind of stuff, and you go to the bank and you put two dollars and you educate your child and your your your what is this uh school money or whatever


you save save like you save it over a month weekly or monthly and then the mother takes you to the bank once every two months or three months and you have the pleasure of putting the money in I feel this is of course the passbook is dead now right so the the ATM card replaces, the function of the passbook which is heavily can be heavily controlled by the parent however I do not condone the child uh


I'm talking child meaning not a minor ya below eighteen years old or sixteen years old, depending on which country you're talking about managing their finances or learning how to manage their finances on mobile technology because it's a little bit harder to manage on the parents' front I


feel as a starting point it's good very good exercise to have the child at whatever age depends six even primary school is good let them start off with the ATM card because you can control it you know you uh have full control over their account you can always tell the bank look the uh child doesn't have to know all these things right lower the limit to fifty dollars he cannot draw more than fifty dollars so let him you know figure out


or her figure out how he or she wants to save the money or spend the money or and and it gives them a little bit of a training sort of ground uh with the ATM card and the and mix, cash right because they will you will give them cash for spending and whatever


and it allows them the flexibility to use that ATM card, go to the bank put the money in take the money out whatever but don't come to mummy and say !hey! I got none left because you know it is your job to go and manage it so I think it's a great exercise to start off for kids


as young as primary school because that's what that's when I started and you know and when we start them off it's kind of guided right you sort of guide them along the way they they figure it out maybe after a few tries and all that kind of thing and I'm quite sure when they go with their pals they will start fiddling fiddling around with it and they will start getting really experimental with it and all that kind of stuff


but you have full control over it and and it's interesting I uh I think from I don't have a kid but I think it'd be quite interesting to watch, you know at a bit of a show right how they how they manage it you know like what do they do with this money like if you put don't put so much put like a hundred and fifty bucks in there five hundred bucks or whatever and control it down such that they can only spend fifty bucks every two months or three quarter or something like that


so then you have full control but they don't have to know all these things because it's too complicated and then you see how they journey through for the primary school life you know which is five years or six years and over time over time when they master the art of uh, funds basic financial management then perhaps you can move them on to mobile payment mobile wallets even like I've got friends who train their kids with blockchain you know they teach them how to use blockchain at the age of !wow! they're