but then like the interest is not so much so that's like sort of like a uh like is it marginal cost yes sort of like a uh marginal cost if you


uh invest if you put your money in CPF versus if you invest on your own on like a high uh interest rate uh bank account or something


ya ya it's this one, or is it


uh, okay I didn't I haven't read up on that so, ya for the newly account and the special account


ya that's why, ya ya that's why but I don't know it's just I guess it's for like, to make sure that you when you are older you have like sort of like a support system in the future


ya, then what do you think of like, (hmm), ya ya continue, no you first


(mmhmm)


what


ya probably, I think they will they will like equally divide the amount you can take out, in like a certain period of time so like you know if let's say you want like more money you cannot do that right you only can deduct like a maximum amount based on what you save


or is it


oh damn I didn't know that, I thought is inclusive of the the the interest also


ya that's true lah that's true, you really need to think ah, planner ya, I think it'll be good actually I think like financial adviser or planner will be good if if it's like you're new to this kind of things so


you know you they can advise you on where you should put your money or like what's best for you like depending on what you plan in the future, so Aiyah I think like, meeting up with a financial planner or adviser is good


ya I have some friends lah like our age who are already meeting like this kind of people but then the thing is they are already workingso it's like ya so I really think like, when you start I don't know if we should if now is a good time or like in the future you know


ya that's true, so are you like going to,


ya, then I what do you think of likelike people who are on debtor something, then they like went to borrow money or like they need to pay off their debts so like why do you think they should dodo you think they should also consult


ya, uh okay


ya but I think that's fine ya, ya


because they are they can pay off like when they start working right, ya


but like what do you think of likeuh people who are in debt because they like buy a car or something


ya oh my god that's really bad, ya okay


part three negative experience, okay ya , no have negative experience


okay so there was one time, actually a lot of my negative experience is okay lah let's start with online so there was one time I ordered this like it's retail so I went ordered these like tudung and then we I we bought like a lot lah like me and my sisters we bought like a lot like


ya, uh the shop is located overseas, in malaysia there ya so like we bought a lot and then we really love their, their shawls lah because it's like very nice material and is very lightweight I think


ya it's just very nice lah and the how we find out about them is that you know twilight festival, ya so you went to twilight and then we we chance upon their shop and then we we bought lah and their stuff were quite affordable at a


high quality so we wanted to buy more but the thing is that when they came over to singapore the other time like after the experience they didn't have ah they didn't bring back the series that we wanted so


uh we decided to like, purchase it online lah they say you can go and purchase online so like we contacted them, uh and it was via whatsapp like they didn't have like an online website or anything it was through chat lah the order so we just ordered through the chat and then like


uhlike whatsapp chat ya that you know those very like hi I want to purchase this very carousell kind of experience ya so, uhya whatsapp like did it was through Instagram then they direct us to whatsapp


ya so we told them our order quantity all that and they say that , it will arrive in two weeks or something or like one month ah cause it's from malaysia right and the we like okay no problem


and then uh the items didn't;t arrive like after two, weeks or one month and then of course you will like very worried and we spent a lot you know like because at that time they were having a sale and then we spend like I think about like me and my sisters we spent around like


uh seventy or fifty plus each you know which is quite a lot right ya each ya ya then after that , ya we have a lot ya then after that , like we texted them ah like !hey! our items didn't arrive is it on the way or something and then they say that oh the the courier service says that it's on the way


or something but they they did provide like , the I don't know if they there was like some delivery number or what lah but it was ya then after that uh a few months plus I think like two or three months and they still our package still hasn't arrive


so we texted them like once once in a while you know like asking for package and then they say it's still in delivery still in delivery and then we kind of like give up so we just say like, uhhi sorry can we just get a refund, and obviously like they wouldn't want a refund right because we spent a lot


on their items so , they said that okay they will resend the package and then, like after one week the package got sent so after the experience we like we didn't want to buy


from them anymore even though like, you know I really love their, their their stuff but because of the bad experience I wouldn't buy through online but maybe if like they had a physical store here again I would ya then I would buy it but if it's like online I wouldn't buy it from them again because of the bad experience


no it was like before this it was I think like last year, before this happened, ya that's why then I'm like then like me and my sisters we went to search online lah but like their online service or whatever and then we found out that


the delivery courier that they chose was actually not reliable like there were some customers that say that uh the items were not received you know like because of this courier services so I think it's not their fault


but they should have like, you know like checked on them , the reputation ya the reputation of the courier so after that right they changed their courier service to a different one, which you know which like in the end we got out items lah so ya


ya how about you


no (mmhmm) when was it when was it, when was it, oh my god uh


ya of course, , tickets


oh my god


oh, my god


ya ya I agree, ya


ya,


ya you need to do your research yeah (mmhmm), because it's easier like to hide behind a screen you know compared to its physical ya


ya that's why, ya like you know there was one time my order Sephora, then you know like Sephora usually there's no issues right like physically and like the physical store and the online store there's like usually no issues then I think because uh suddenly COVID happened right and then they had a sale


so because of like the sale and then suddenly COVID and then everything converting online because sometimes like when it's not COVID times like most of them would go to store and purchase instead right, because they want the product immediately then I think they didn't account for the number of people that will purchased online


during COVID during their sale lah so because of that right then there were a lot of uh bad reviews, online like saying how like they didn't get their package and then like when they receive their package the items were broken so I was one of those like


uh people that ordered on, ( that ordered from them lah during the sale and then like they said that I will receive it in like a week or so, but items didn't arrive but but they did provide like a tracking number and stuff so I constantly check lah and every time I check it's always doing this like uh in delivery stage or something so I went to email email them


and then they say that uh , the the courier service is checking your items first or something then after that right I wait where I waited like a few more days and then the status suddenly changed to returning package back to seller


then I was like oh my god why ya so that means the are back to Sephora, then I was like !wow! what happened sia, so I went to emails Sephora and then they say that hi the courier service said that they are returning my items back to you guys so I was wondering what happened and then they say that because uh they found out that items were broken


so instead they actually gave me a refund you know so it wasn't like that bad but then, no they couldn't they couldn't exchange the products because at that time it was the sales so they didn't have uh enough stock


to change the product, ya so I was like a bit, like upset lah because like you know it's during sale so I wouldn't be able to get, the items at uh a cheaper rate you know because I just got refund


which is like you know like like okay I just I just want the items , ya but, , actually no I will still buy from them because I feel like they learnt from their mistakes


like , they kind of uh re-evaluate what happened on, that day I think because there were unprepared but then now that they know what to look out for and stuff right then they improved their their service ah which is quite good but ya there was a bad experience from


of Sephora that I had lah ya, ya that's true, ya


ya I think is because of like they didn't expect this to happen you know and it's like a first, because last time even though like we have you know like, like a pandemic or whatever right but we our life still like continued you know but then this time is like really like


everybody has to stay home nobody can go out that kind of thing so I think you know nobody thought that this would actually happen so they didn't really like plan for this, ya ya I think it's


ya because of the situation you know,


oh ya oh my god , oh ya that was so bad scared sia


no like we, ya, ya, and we send the night before right


she did she did I think she did


ya, ya what did she say ah


ya that's why like she could she could have just told us like oh I'm sorry I cannot print by this time can you find a different like service but I think because she didn't want like lose, lose ah customers that's why but still it's like we were desperate


I think I remember was she said to me she was like saying, next time still you find you makes youuh perfecting your image or something like that because like the file was quite big right or something , ya and then I was I was so scared that we couldn't print sia


ya same


ya, ya that's why, you know talking about rude right there was one time I was in JC and then we went to pastamania lah, then like we went to it okay this is why one of the reasons why I don't really like pastamania okay so like


me and my friends we were like looking at their you know they always have like lunch hour special or something ya so you wanted to get there then we went to queue up then there was this like manager like she's the manager I think then she like


she like a bit mean ah you know like Minah Minah, huh, ya she like very Minah very like #ah lian# like then after that like I ordered first and then I say like hi can I get this pasta, then after that she key in you know she like I wanted to make it into a meal


no then usually they will ask like do you want drinks after that or like they will ask you like do you want drinks of the day or do you want blah blah blah blah you know right, ya usually there's a standard procedure right so I was uh I guess I wanted this pasta and I haven't finish ordering also so I said uh then after that she say okay that would be blah blah then I said oh I want the drink also


like I want I want the meal also then after that right she was suddenly so sarcastic to me you know she said like thank you very much for uh like, thank you very much ah something like that lah the I was like what's with this girl like what's wrong with this person then I was like


she was like twenty something uh she's like very Minah Minah no I older ah like late twenties, ya then she was like thank you very much for giving me extra work or something like that ah I was like what the hell is wrong with this girl you know then the she say next time you want this order drink you say okay then I'm like I haven't even finish ordering you know then she just assume that I just want the pasta


then I was like what the hell then after that uh then after that she say then after that she treated me like a child you know like she went, she went to uhwe typed the order right then she was like okay ah I repeat your order ah


blah blah blah blah pasta with one Coca Cola you know like like talk to me like I don't understand like that ya then I was like what the hell sia then I will never go back to that to that


shop ya the outlet ever again oh my god and I don't really their food also anyway, so yeah that was such a bad experience then my friend behind me ah she ordered then she use like, ya then after that I think the manager felt bad or something so when we were eating right


ya she was the manager, right like how can a manager act like that right, ya and then like it's not like I did anything wrong you know I just is she never like, let me finish ordering also


okay


part two positive experience, okay so, what positive experience have you had


!aiya! he's always there , ya I I agree


oh why, why (mmhmm) ah ya why why you say so


(mmhmm), oh okay, no I never been to the #Paya Lebar# one


ya I never,


ah so they like listen for you lah, ya, for me I feel like uh I mean this I don't think this is a surprise but like malayan council you been there right ya I feel like their service there is good also and like the food the product they sell


is very innovative like they sell like fusion cooking of like malay dishes with like ada like I don't know like, western or something and also likeuh that time I brought rib


to uh the uhto for his birthday ya then after that he uh they kind of like saying like happy birthday they create the atmosphere everything


so that was quite good that was quite fun and also like I don't know like every time you go there right they always give like, discount or something, did you notice ya ya they give like twenty dollars like if it's your birthday or like they give like free cake or something so ya I think it's just good service but I also think it's part of like their marketing strategy to like make you come back


ya so so maybe their strategy is like they set their food very high and then they give this like free voucher ya then then people will be like oh my god it's so cheap you know like ya they always give free cakes


what, (mmhmm), really


I think maybe maybe like their target audience is families and girls ya because like for guys I don't know would they come back again I don't know maybe no , ya that's why


but I think like for girls they have this like tendency to go back if they, like you know get like if they have like a good experience there or something but ya for for guys maybe they like ah never mind lah it's okay lah just one time is nice


I don't know it could just be ya continue


oh ya ya ya, (mmhmm), ya


ya ya, and then


ya that's true, ya


no I never been there but talking about like good experience , uh I uhI'm I'm sure you know like Grab , you always take Grab right ya but there was this like one time where these Grab driver was


really really went out of his way he make sure like the conditions are the environment is good for me and my friend so like he always like constantly ask like is the aircon good enough or like do you guys want sweets


you know like he even asked us like if you want to take this route of this route but honestly I don't know because I don't know routes so ya so I left like a five star review on him, because he was giving like good service compared to like other drivers ya


really like even the not so good ones,


they have what like delivery, people like for Grab do you like also ya, do you like rate them also, do do you tip them


I see, me too I only tip if like I'm feeling good that day , ya they have one like when you travel overseas you get any like good service or experience


nothing stands out,


I see for me I would say the trip I went to Bintan, !wah! that was a very nice ya it was a it was like at the beach at indonesia there and it was very relaxing like I feel like the (ppc) the service there is very good also like you know we went we we reach that place we took uh ferry


but then when we reached there ya and like immediately like sent to the place and then you are greeted with like a dance you know like some cultural dance and then which was quite interesting and then they gave us like drinks on the side, you know so that was like ya so that was like already instantly like !wah! this is a very resort kind of feeling you know so


ya then we went to check in and then this was quite interesting this was a nice resort experience whereby like we were we went to our villas through like a buggy, ya ya so ya there was like quite interesting because usually when you reach to the hotel you you bring your use you just take a lift and then you go up right


ya, ya ya which was nice lah because you took a buggy and then you get to enjoy the scenery around and then the way they design the place is very nice also like, every few houses right is like uh there's like a central


sort of that courtyard or like a pond in the middle so they still like privacy because it's being shaded by trees but like at the same time you get to enjoy these three sixty view all the time so that was quite nice and also, like uh there were like wildlife there so it was quite a raw experience also like


like there were like komodo dragons, like there were like at the porch of the bungalow houses and then you can see like these komodo dragons like catching the fish in the pond and eating the fish uh okay it's a bit scary


no I think it's not they intentionally put but because there's like a biodiversity or biosystem there so that's why this like animals come in and live there you know so like , I thought that was quite a interesting experience you don't usually get you know and like if you go to like KL or something


ya so that was one of the most memorable kind of uhtrips I had ya, and the people there were nice and like everything there justoh so relaxing ya


ya ya ya you should go there one day it's very nice but, oh was it, ah


oh why, oh okay, okay lah, ya book a hotel wise


oh, managed


oh my god , give it out, ya, !wow! that's interesting


ya I think it's like this like little tots or little things that help to like enhance these like experience for people you know


ya ya that's true, but , ya that's true I wouldn't like go back if if I had a bad experience there also


ya, (mmhmm), !aiya! then how about, (hmm)


oh yeah I know is the online thing right, what do you get though


okay, !wow!


oh okay, so what did you get if you like become a gold member


so are you a gold member already, oh my god


oh my god, ya that's a lot eh that's worth it, but is it like uh like uh uh time limit to that say reach that level like platinum level


uh okay, ya ya ya that's why


ya that's true, , but the thing about Sephora one is that, I think because like one product that that you buy is already expensive so I think it's it's like faster and easier for you to reach that level of


that level of membership compared to like food, food uh like ya


ya, ya that's true ah that's true, ya have you been to like uh


you know like when you go cinema right have you been to like the gold, the gold uh the golds ya the gold class one, I've also never been but I want to try, they say it's is very atas ya


because like you can recline the seat and then don't know you can I don't know like you have like a more like a bar kind of experience or something, ya I want to try


ya, then , uh then how about spas have you gone to like spas


oh okay that's, no eh actually I've been once but it was overseas, and it was not bad lah it was it was okayya it was okay it was a funny experience actually ya


because like err I I shared a room with my sister and then like you know you are supposed to like, uh change into a towel right that day it was like my first like our first time


of doing a spa then after that my sister like she didn't know what to do with the towel so she used as like a blanket, ya that was so funny, no they didn't because I think they assume like


you know what to do then after that ya so luckily I shared the room with my sister lah if not I think the staff will be shocked sia , ya that's why can't sia how she would react


not really eh I don't know I I never really, like experience and very like good, or memorable kind of retail experience, because like I feel like they all provide the same kind of service I've never seen like any of them like really going out there and like


providing like extra stuff I don't know have you


but I feel like service is compromised if there's too many people, that's why like I don't think they will be able to give this kind of exact same experience if let's say there's like a sale, or like this like so many people


ya ya, ya that's true, ya


ya that's that's it when there's not a lot of people ah


do we stop it


part one finance, yes


in the future or right now, okay about now I know like many of my friends invest in all those stocks but then for me I'm trying like , in POEMS or whatever platform I'm trying that the demo moods but I haven't really put my money inside it yet so I always like you know there's all these Instagram accounts about the work salary man and whatever do you follow


you don't follow, ya ya ya the one they drew all the comics yes so they always talk about like investments and then as students also which also would like put our money in investments but I haven't started it yet I tried the demo modes but haven't really put my money to it yet so how about you


is it


oh cryptocurrencies oh Bitcoin oh how's that


no I never tried that before


okay because like like right now I tried the POEMS platform and it's quite difficult to use I mean it takes some time to learn ah but everybody says you'll get into it


okay sure, uh so how about in the future


oh okay, ya and just just recently so I was reading about like two other other things besides stocks there's this thing called the high interest savings account


so is this place where it's like a bank account like you know our POSB bank accounts now the interest rate gives us back per annum is like zero point zero five percent which is like super lower so if you put like ten thousand dollars inside you only get twenty cents, but then like for this high interest high interest savings account right is like


like standard chartered or whatever you put your money there and then if you use that same bank account to invest and to buy insurance and to like do other stuff right plus you credit your salary into it, then the interest rate will be two will be will go up to like two point something or like one point something which is much higher than the than the than the current accounts we have lah


but the thing is right for those accounts we need to have a salary which we don't have it because we are students, so I feel like there's so many things that we can't do yet only in the future in two years ah ya


uh I feel like I feel like most of my money actually goes on food you know, when ya when I when I go when I go out with friends then I go and buy food so most of my money goes there like you know like some people do like online shopping


and ya , I feel like ever since COVID I don't really shop, ya because at the most it's been pretty boring


during COVID you spend more food is it before COVID you spend more on food


oh okay mine has always been actually mine is the opposite mine is like before COVID I spend more on retail cause we go out a lot right, so I'll go do my shopping and then we'll meet each other a lot we'll go to school so I need like outfits to wear to the school but then after COVID I just got so lazy I I don't I don't shop anymore I don't spend my money there I put my money in food so that's why most of my money gets burn


I feel it's okay I feel it's okay because I don't go out everyday like maybe once a week only and then I try to budget myself so for example every time I go out I only spend around twenty dollars or thirty dollars max or forty dollars ya


pay for my wedding ah I've I have I'm like under the impression that before you get married right the least amount of money you should have like in your savings would be like fifty thousand okay so this is besides the amount of money you book for your wedding itself


so that's that's like an ideal number for me it's like fifty thousand so there's like how much you have the save before you get married so then how you supposed to get this fifty thousand I'm just assuming leh I'm assuming that now after we graduate right, we'll have around ten thousand and then the other forty thousand will like save through work so that will be okay assuming we save three thousand every month


to get to forty thousand you need like more than ten months, ya


I feel that actually I can't, oh ya that one I will have to consider in the future but I'm open to the idea of credit cards what about you


, ya because like for the longest time I was under the impression that if you use credit card means you !huh! sorry, ya it's a bad thing because you don't have that sum of money and then like you want to use that money through the credit card itself but that's not true like sometimes you already have that money but you still use a credit card and the added benefit is that the credit card gives you so much of this uh like rewards the cash back rewards the krisflyer miles


so I feel like I'll be open to the idea in the future how about you for your wedding or like or like starting a family or buying a house like how do you save for these kind of things


ya that's true like especially the grants itself they say like the earlier you get your house the better because like the more grants you get because our income is lower right


ya lah, but a lot of people also use their CPF to pay you know for their monthly mortgage for the houses


but then now right they are saying that cash you should use cash instead of CPF to pay you know because when you use your ya because like when you use your CPF money right to pay for your monthly mortgage so your CPF like total sum will remain low


so your CPF total sum will remain low, ya for future use because like when you reach the retirement age or like this this age right when you turn a certain age your CPF amount has to like reach this certain amount you know so when it only reaches that certain amount then there's when you can withdraw the money or you can transfer it to another account


so that's why people are saying like don't use your CPF money to pay for this first use your use cash and then besides right when you use, now we will have one what because we we get paid what we working already what


, okay so that's why like they said that the rule right when you get a house with your partner the rule is your monthly mortgage for the house itself should be less than thirty percent thirty percent is like the max so for example if you earn ten thousand right


you only the rule is you and your partner can only pay thirty percent of your income towards mortgage so means three thousand so, sorry, ya ya so for example you and your partner right so you both of you all are earning ten thousand so monthly mortgage three thousand comes from you three thousand come from your partner so that's the maximum amount you are supposed to pay for the monthly mortgage so that's the rule that they say lah


I don't know how they come out of this rule also but it's like a rule online, ya maybe like there's all the living expenses right so let's say like thirty percent should come from


should go to your monthly mortgage for house and then the other thirty percent should go to, your living expenses right so that will be like sixty percent so you have forty percent left this one goes towards like investing or like buying your own leisure stuff


but then that twenty percent that goes into your CPF that one is compulsory for everybody anyway right, and you know what I read up that the money that goes into your CPF that money can also be used to for investment for some stuff ah only some things not everything but it's limited


ya that's what I read but I haven't really gone into it yet I got some idea of that, and you know CPF had CPF has like two different types of account right one is OA like the ordinary account the other one is err what is it called savings account am I right


ya special special account so the ordinary account one the interest rate is like much lower it's like two two point five or something like that but the savings accounts is much higher is like five percent for your first twenty thousand if I'm not wrong the twenty five thousand


so that's like super attractive if you want to put your money there but then you can't take it out you know until like you reach retirement age so that's like a big catch


ya ya but then the thing is right sorry, sorry you were saying something uhokay wait let me okay wait wait let me let me remember , oh ya I was I was saying so this money you put into CPF like it deducts from your salary every month right they deduct twenty percent twenty percent twenty percent but some people say okay eh you know what CPF is like a good place to put my money right so that's when some people like top up their CPF so there's such a scheme you know they call it the what's it called SRS ah


the supplementary retirement scheme so they top up in order to reach that certain amount of money they have to, like be at before they retire before the fifty five age but the thing is right when you top up money into the CPF itself I think there's another catch you know


because like is too good to be true like can you imagine if you put like so much money into your into your savings account and then when you retire it turns into RA right and then it grows it grows it grows so much annually because the interest rate is very high there so there's always a catch you know there's always catch I don't think you can withdraw that full amount


the interest the interest when you right I read sometime


ya and besides like the monthly, monthly withdrawal of money I don't think they credit the interest to you also like the interest likes compounded over the years yeah it did they don't credit to you then interest is only calculated in order to meet the minimum sum for your CPF you get it like for example you have to meet


I forgot what the what the amount is like eighty thousand something like that okay so this interest is compounded to reach this goal in your CPF account but then in terms of withdrawing like for example you already got hundred and twenty thousand or something so you want to withdraw all that right you can't get the interest on the amount compounded you can only get the amount that you put inside


ya ya man, ya that's what I thought also because I was reading up about it I was like okay where should I put my money for it to grow right, then I was like eh CPF doesn't seem like a bad idea and then they have this catch


but the thing is you get like tax tax refund on these ah you like you pay less taxes when you use this scheme like when you put your money to your CPF itself, so you save there , so then all this stuff like seem so so much work to do you know you have to like calculate so many things so would you get like a financial adviser


you would


oh okay , I feel like the earlier is always better you know


they say earlier is always better but then I always procrastinate financial adviser I think not yet I will try to explore it on my own first, well


well uh financial advisers, I feel like now is simple because like most of the most of the group of people that I know who are in debt now are not in serious debt but they are in education debt because they go and study overseas and they owe money there right from bank or whatever for their school fees which I feel is fine because


ya so most of them take like loans from the universities itself some of the universities give that loan or they give they take it from like the NGOs or they also taking from banks which I feel is fine now because like it is ya


ya and it's for education so I feel like it's a reasonable thing it's a reasonable thing


oh that's very dangerous especially now you know like can you imagine all the couples who like recently bought a car and like luxury house and then suddenly boom is COVID period and and they lost their jobs that's so dangerous ya that's so dangerous


part three negative experience, okay Faz come how do you why don't you share with me , ya


overseas or singapore


okay


ya ya twilight


, oh no


what kind of chat like whatsapp like that ah


okay I see, oh okay okay not Instagram ah whatsapp ah, oh okay I see okay


oh no oh


oh each okay you have so many sisters


oh no, ya


like in twilight again ah


no man then sounds so horrible is this like COVID times of pre-COVID times, oh that's quite bad leh


the courier itself ah, ya that's the sounds horrible man


okay let me think I think the most recent bad experience I had was the ones where I purchased online tickets to this violin concert lah it's like this candlelight violin concert in real life but this violin concert !huh! sorry


it's supposed to be next year it's supposed to be next year and I purchased it out of okay out impulse okay it seems nice the marketing was nice the the publicity was good okay they had like all those nice Instagram advertisements right


so the thing is it says that this one is is by fever okay it's by fever in the united states ah so they started branching out to singapore they said that this one will be, a violin concert where the place is not confirmed yet but it's supposed to be like a secret event thing


so place is not confirmed and and the songs also not confirmed yet so be a surprise thing which is a nice which is nice experience lah but then and after I purchased it it was like sixty dollars per ticket so sixty dollars for me sixty dollars from my friend right, so after I purchased it and then I went to go and I I got visas lah I got visas so I went to their account then I went to read okay lah they have all these events before pre-COVID lah


so then during the COVID period all of their events got cancelled all their events got cancelled and nobody got a refund so they were having like very bad like customer customer reviews on their website you know, so like all over their Instagram and all over their Facebook everybody was saying don't buy now it's a scam don't buy now it's a scam


so then me like being scared I'm like oh shit I I already bought the I already bought tickets it's like hundred hundred and thirty dollars total around there now like I need to get a refund so I went to email them I emailed them like two three times okay two or three times because okay the first email I sent was I'll just send one


and then they didn't reply after one week so I sent two more emails after that, so then they didn't reply it was three weeks already so I got a feeling that they didn't reply because, in back in the US also the customer the inflow of emails was a lot lah cause everybody will want was demanding like a refund because all their events got cancelled right and they didn't give a refund you know


so then I went to go to their Instagram then I went to DM them like insta DM them , and they said okay like today we'll go and check our so surprisingly right on Instagram they replied but on Facebook and on the email they didn't reply so like Instagram they will like okay sorry for the late response we will send you an email as soon as possible so then in the next few days that followed they sent me an email so the email also they they said that there's no refund


they say that there's no refund but then they said they are trying their best to sorry what was that they are trying their best to make the event happen which is next year , so maybe it's partly my fault like I went to purchase the tickets so early right but then the thing is that they cannot guarantee anything also like if they were to say okay in the in the event where the where the concert itself is cancelled then we'll give you like a refund or will give you like something else to make up for it but they didn't you know


they said that okay if is cancelled you won't get your refund back and that's it like just that I was like what I was like what so I was like shocked I could I emailed them back but then after that until now also I haven't gotten a response, so I don't know how that will go so one thing I learnt right is that if you buy from if you buy any like service on any product online you have to read their reviews like ya you have to read the reviews


I didn't realise how important it was until like recently okay know like all those like EZbuy like, uh was it Shopee or whatever they have the reviews there especially fave also this one is very easy to read right but then like when you buy from these people like a bit suddenly comes concert out of nowhere or like ad from out of nowhere like I'll tend to trust you know like since Instagram insta ad it looks very like professional right


and they have like a verified Instagram account which looks very professionals also they sell some like no like even with all these factors you still can't trust them because you have to read their reviews first ya man so like I really regret


ya it is especially now when it's at COVID time everybody's like working from home everybody is like behind the screen so all the services like come online


okay


back to seller back to Sephora


wait they didn't give you an exchange of products like they will like give you a new product no, oh okay I see


ya, yeah that's true but then would you say that would you say right that because of these experience itself then it stops you from buying from Sephora


right it's still right


ya but I feel like there's like all these that many of our bad experiences like recently come from because of COVID as a result of COVID itself, because many of these like platforms like from your uh several experience of from my like the violin concert experience like many of them they just switch to online or like many of the events have to be cancelled you know


so then because of COVID like it affects, ya


ya which I feel is forgivable right like you will said you said you will like buy from Sephora again, okay come now let's talk about our shared bad experience if you remember


you will okay one of my worst like customer service experience was when we went to print our , like we went to like we went to print our papers remember we bring our papers for our final project we print our papers for our final project and there were women they didn't even print it in time okay what happened what happened


okay we we told we emailed her right we emailed her that okay we want we want our prints by tomorrow eight AM because we will go there and collect it by eight AM, ya and we sent it the night before so she was fine she's like okay did she even respond okay one thing I


okay lah she responded she responded okay that I got your stuff I got your emails then you can come collect it tomorrow and then what happened the next day we just got a gut feeling right like because it was submission periods and the shop was busy we just got a feeling that you know what maybe we should like go and call them and


check again if our prints are ready not before we left our houses to to go and collect the prints itself, and then we recalled she was just so rude it's like what did she say she was like she said no she was shouting at us over the phone at first you called her remember


at first you called her and she was just very rude to you and then when she called then I'm like can you print is my prints ready or not then she say no is not ready yet she's like there are so many people here so busy, like do you do you even send your things then I was like ya I sent it already so I was nice over the phone okay then she was like really rude then I was like if you cannot print if you cannot print the papers in time and if you cannot print it by this timing itself and then you have to tell me so I can go to another shop then she's like no you can't say that


if you say like that already you have to confirm with me now if you want to print you have to print then you tell me then you wait then I cannot tell you when you can collect but then if you don't want to print then you let me know now then she was just shouting on the phone and then I was like wait what's going on but I never experience any service with this with this like bad


bad over the phone uh customer service before


ya but but because of this right I will never go back to the shop anymore I'll never ya like with the exceptions of like all the others Sephora and what whatever fever at least their customer service was, they were nice okay at least they were nice but I can't stand people like being rude this women especially I'd never go back to her shop again


what did she say to you oh oh okay okay


okay


then,


wait how old is she, like our age like that lah, okay okay and then,


why


like very sarcastic lah right


that outlet ever again,


wait she was the manager, oh my god ya


part two positive experience, recently I went to Ichikokudo you know my favourite place ya


so ya it's always there and I love to come back there because every time the staff is friendly the food is good the ambiance is nice especially the one at suntec, I feel like all other outlets right is unmatched with suntec because suntec one is the best okay is more spacious sorry


oh is more spacious it doesn't have a big crowd is more and close is a shop that is covered unlike the three one three somerset one you know and the #Paya Lebar# one which is like super open if you have been


so it gives you a lot of privacy, you never been to #Paya Lebar# one but regardless I still love to go back there the suntec one the is clean , and every time I tell them okay I don't want some vegetables on my don and can you replace it with seaweed and then they like okay sure


ya it's it's a very good service lah for food so that's my go to restaurant how about you


oh yes I have


(mmhmm), (mmhmm)


, ya they do they give like the twenty dollars discount card right


ya, ya because the food there is extremely expensive right


discounts okay, every cakes they always give free cakes but you know what I heard from some of my friends okay some of my friends went there as a group of guys


okay so they don't they don't get this experience you know but if you are ya but if you are like the group of like women are those of family right then you get all these free cakes and stuff because maybe maybe they don't know, ya family-oriented


ya maybe sometimes it's just a one-off thing for them right like majority of the time


ya, ya you know I also sorry, I also went to this place like recently if you saw my Instagram ah it's theuhholiday inn hotel the one that the atrium stretches all the way to the top then there's like a void in the middle


it's like the whole concrete block then there's a whole void in the middle so I went to the the restaurant there it was like a buffet and you know like COVID times they already stop, buffet services so what the buffets do now is that they have table service so they give you a form and then you can order like you take ah whatever you want or they like push the cart to you and then they like eh miss what do you want we give your order from here


so I feel that was particularly nice not because of the food you know but because of the service there the staff was extremely friendly they were extremely the food was okay it was like meh meh but then the environment was also nice because the view of the atrium is so like !wow! so grand so stunning it's not something that you see every day you know


ya so at that restaurant itself like the staff was so nice and then at the end they will like do you mind giving us like a a review on this like trip adviser website then like ya sure I don't mind because they were so nice right have you been there before


ya ya


, ya I give five star reviews to like all my grab driver


no for those ones I just don't give them any reviews any stars at all like they they just like do you want to rate your experience then like skip no thanks then I just like press the exit button


delete for Grab Grab delivery sorry, oh ya I always give them five stars and you know there's like the tip button ya sometimes I tip them sometimes when I'm feeling like a little bit


oh those I feel like fine you know they'reuh nothing nothing special nothing great but nothing bad also so those are just like very mediocre to me and I mean like good service is there but it's like nothing special how about you


Bintan, (mmhmm)


that's great


but it's a villa experience lah right


(mmhmm)


(mmhmm), , my god isn't that scary it's like the hotel like intentionally put a wildlife


!wah! that's great man it feels good it makes me want to go on holiday there have been times I've been there been there I've been there I stayed in the where did I stay I I stay at the villa also


but to me I don't really like villa experiences I prefer hotel experience okay maybe because I haven't been to like a nice a really nice villa before, like by those good operators but for hotel wise sorry


ya hotel wise I found that my experiences there have been better maybe because the hotels like I go to uhlike better like more luxurious operators than the then the villa ones like the villa ones I've only tried the average ones, so you know I I went to this hotel like a marriott hotel in where did I go Langkawi I think


and then I went there with like my whole family suddenly they gave us like you said yours they welcome you with a dance then they give you like free drinks right this one they give us free drinks it was free drinks they were all friendly and guess what they gave us hot cookies you know underneath the underneath their their reception counter


they have this drawer you know this huge drawer each each personnel each counter personnel right has like a drawer so they pulled out this drawer and then it's like a whole rows of cookies in between you know , so then they just kept giving off us cookies so like each one of us already has like one cookies and me and my family me and my siblings like can we have one more can we have one more then they just like give like uh unlimited amount of cookies and it's hot you know


it's like they had a built-in heater or warmer into their counter itself which was nice, , ya like especially food you know especially food services you don't just come back for the food you come back for the service right I mean like the food has to be good also lah like above average lah but then you have to come back for the service you know if the service is bad right like is really a turn off for me


ya, so like all these like food places especially Ichikokudo the one that I always keep going back to it's like the food service there is great


and they have a a loyalty you know did I tell you they have like this j passport loyalty membership thing so every time you yes every time you go back there right so there's like silver gold and platinum platinum membership which is good ah it makes you go back to the restaurant again and again right so


ya at first it started out as okay the restaurant is like you uh you sign up for the membership you can claim a free green tea, okay so that's when that's when I started then at first it was like a no a no tier membership okay you were just like a normal member then after you spend more than fifty dollars or something like that then you you transition from a no member to a silver member so what do you get for silver members' every time you


every time you buy any Ramen or any don or whatever right then they will give you free green tea which is refillable lah it's like bottomless green tea so then I was like okay that's not bad so I then I just kept coming back because the food was good it was affordable it's like the most affordable halal Ramen that I know and it's like the nicest one lah


as compared to , okay so gold member I think you have to spend above three hundred dollars or something like that so gold member every time you go, ya I'm a gold member so the


okay so when you're a gold member right you get ten percent off every visit, okay you either get ten percent off every every visit or when you go on Ichikokudo day which is the first or tenth of every month then they will give you ten dollars off their promotional ramen


so that's like very worth like for example you go there you only spend like fifty dollars right then ten percent off you only have to pay like forty five dollars which is good lah then I always bring like you and like the rest of the people there right, so then now you have to I'm like earning points I I keep going there right because I want to reach platinum level so platinum level you have to spend above like one thousand dollars but every time you come back right you'll get twenty percent discount which is a lot lah


right, no no that I know of actually which makes it good ah you know like some of the some of the memberships like Sephora you have the time limit you have to spend like within one year right which is like


ya so that's why this like J passport Ichikokudo thing is like much better so now I'm on my way to becoming like a platinum member


ya that's true I mean like food unless you go like two people like each visit you go with like just you and your friend then they'll be like okay forty dollars forty dollars like very slow right


but you go in big groups like you go like a group of five people you got a group of like three people then it'll be like much easier to reach the target amount


the gold class, I've never been have you, ya it seems


ya I ask want to try maybe ya, ya


I think like before that there's a lounge also then you you can get food there


ya I've been to one just one only so I think the thing about singapore spas itself is that, uh what makes it nice is of course number one's like the ambiance and like the the the design how luxurious it looks like right and how clean it is but I think that one important thing we have to consider is also the how pushy the sales people are there because


I read a lot of reviews on like fave all those discounted ads right when you buy all the promotions then a lot of people have like bad experiences when like the staff are pushy so thank god for me I never experience that before so, what what I experience is that the staff were really friendly and like okay so they just give you the service you need and then after that they ask you if you are interested and then if you're not they just stop there so it makes it a really nice


experience you know have you ever been to a spa, oh ya


oh ya how was it funny,


the the staff there didn't tell you ah, oh okay


ya that's actually quite funny , how about like uh how about like clothes when you when you go and buy clothes like be it online or in real life like you ever encounter like one of those shops or the service is like exceptionally good


I feel like if you go to the high-end shops then they will do that but besides besides like the high-end shops right if you go to like newly open shops like I remember when I went to like TCL you know the the closet lover something like that when it just opened at Tampines one


it was good the staff were friendly everybody were like has smiles on their faces so that was a nice thing to see , then like after you pick after you pick your clothes and stuff right so you always like carrying clothes around the shop then they will take for you then they will be like okay miss uh do you want to try these three items I can put it to you uh for you in the fitting room at first so I just which was nice lah


oh ya


ya that's true and maybe they're doing this also because like that's when they first started they first opened their shop so there were like not many people right so they needed like a customer-based , I think what's good about them is that until now also they still carried on with it when there's not a lot of people


okay so I think I will okay I'll talk about that also so I feel that for my my age the kind of insurance that we need is most probably health insurance I think that's something that


everybody can use in the long run also so like it doesn't matter if you are young or old you will still need health insurance or like that's the most, uh need like required insurance lah other than other like other said insurance so I feel that this health insurance is because you never know when something can happen and the chances of having uh accident when you are young right is


is not uh, not a not possibility so it is a possibility to have like accident when like you, uh young right so like I feel that and you have you have to go through a lot of you know when you go to the dentist or whatever when you go to when you break your leg when you break your hand I think it's the most prominent time where children children or like teenagers are very rough so like you know


we, we are very rough so like you know we can do anything and then we can just break your hand, ya and then that that's when like I feel like the insurance can cover ya, I think you've experienced it right in the near


you have broken your hand before, eh broken your leg before sorry


, eh ya, ya to me also I feel I feel the same way lah like like when you told me that you uh when he told me that he got his insurance I was I asked him how much he's paying a month then he said oh he's paying hundred dollars then I told him why would you do that uh a year you're paying a thousand two hundred right and then like let's


say you're you're only going to hopefully hopefully you're only going to get this in about what twenty years, fifteen years down the road then you're going to be like spending almost, , ya that's what I said ya so you're going to be splurging already like twenty four thousand dollars


like and you don't and if that doesn't and if you don't get anything or if you don't get any sickness hopefully by then you're not gonna use that twenty four thousand dollars which you you could have used on, other beneficial things , you know and like


okay ya ya


ya ,


(hmm) oh okay, like okay then let's move on to like number five, like cause you cause I'm, I don't travel often but when I travel I usually get the trip insurance, ya not travel not travel insurance but like trip insurance because uh it includes like


like medical emergencies lost or delayed baggage cancelled or interrupted trips, which like travel travel insurance don't include lah and like uh flight delay costs also they include ya so every time when we go overseas either my like my parents or my siblings my older siblings will definitely get for us the travel


insurance even though like eh trip insurance, even though we don't travel often ya I mean you you travel often so like do you get


ya that you don't know


ya that one is, quite necessary I guess ya and, okay oh you want okay uh, I feel that the CPF insurance coverage is actually enough, for


wait let me read the question , CPF insurance coverage is enough for your insurance yes it is to me it is enough lah for a more than enough especially like MediSave kind of thing cause my sister just got her molar tooth plucked out right and she had to and the surgery was a thousand dollars thousand dollars or more


ya and I ask her lah how the how do you, pay for it because it's so expensive right and then she was like ah I use MediSave so I feel that you know and the older generation also not many of them have insurance plans or whatever but, to me they they hold on to MediSave their MediSave accounts to sustain them or like cover them lah in the future


I mean my grandmother also depends on MediSave and she has to go for the , because she has high blood pressure I think ya so she has to use her MediSave every time she go for her checkup , ya and she's been to quite a number of of check-ups so to me it's it's it's sufficient ya


it's sufficient to sustain you, no for like , for like some ya sorry


to be honest I, won't I won't pay for insurance


ya ya ya , I think I don't believe in insurance because of , because of how much you're paying for something that you are uncertain of, you know if I'm certain then okay in this in this amount of years right I'm gonna get this and then I'm gonna have to splurge like


sixty K but you're going to pay me back with about the same like we are you're going to pay me back about seventy K sixty K right then at least I know that okay in the long right it's going to benefit me but if to me it's uncertain that what if I don't get it ah what if I get it but


eventually nothing like it goes all like down the drain right all the money where does it go nowhere , to be honest ya and then like I mean, we're going to leave we're going to die someday so like what if I use the insurance and then after that I passed I passed on to me it doesn't make sense lah to


to like splurge money and then after that if something else happens after that right, like when when I'm hospitalized ,


I mean if it's if it's if it's something like that then okay honestly that's okay but if it's really just for myself, ya, ya honestly


ya , yes honestly yes, because it it's not gonna make it doesn't make sense what for me to get an insurance which only covers me


until before my death and then it all goes to waste, okay what oh okay


no I don't have insurance and I don't think I'll be getting one anytime soon, I mean unless unless I get a car or like a vehicle , then of course I'll have to have insurance I guess


I think I want them to be to be honest and tell me both sides of, both err both sides of the , like pros and cons of the insurance that they are giving me lah or they're offering me I feel like you don't know you should you should tell me both sides ah you shouldn't just push me and like you know tell me all the good things


and then after that you decide oh like but then there's a lot of like cons to it ya I don't !aiya! I think ya but I mean that's that's their job lah right to get us to get the insurance so so the pros have to overweigh the cons I guess , but ya honestly I would I would prefer one that will be honest with me and tell me like okay like


because you are like this right you should go for this kind of insurance like what you just said lah something like that , ya I don't I don't want them to just keep pushing and pushing for that same insurance even though I already say like I don't want I don't want I don't want can you give me like can you show me some other insurance then they say no no no this one is good for you this one is good for you but when I myself know that you know this is not the one for me lah ya


what made you get your personal insurance like how did the how did your insurance agent convince you to get your insurance,


okay


but what like did anything he say influence your decision to get in that insurance


okay that's good lah that you like didn't get influenced and you decided to like choose your your insurance with your own you know thinking I think it's good lah that you have your own background knowledge also


ah ya, ya my my other bad experience also in with F&B ah, if you ask ah F&B you are either , very well or you're either, not do well lah honestly , but like uh mine was with spice the one at Bedok


ya #simpang bedok#, so I wanted we wanted to have uh dinner for, father's I think so we called called called them to reserve a table okay we called them so many times for an hour or like


also lah a lot of times and it all went to like you know those, advertisements join us for this blah blah blah but it never ever ended like the call they never picked up any call that I made and then after that and then after that eh yeah and then after that we to go we had to test our luck ah because we didn't know what like if there's


a lot of people or is it packed is it full or whatever, so we have to test our luck we went over there we had to queue for so long before we got a table, and then ah then oh this was before this was before COVID !wah! so ya we really had to queue so long just to get a table because they didn't pick up our call which I really don't like ah like if you have a call line I think that's that's


you have to pick up ah somebody has to pick up that call ya I feel that there's a lot of F&Bs actually don't pick up their phone call they ya they I think ya and it, so frustrating even for those sitting down at the table you know then you hear the phone ringing all the time


and you are like oh my god can somebody just like pick up the phone like ya it's so irritating and then ya we just had to wait ah we just had to wait for so long just to get a seat even though we could have just gotten one through a call lah ya they frustrated me I think you experienced something during mother's day


some people puts trust in them and you betrayed everybody's trust, ya to ya to top it off it was it was mother's day ah so , the least they could was the least they could do was just text and just say you know like sorry we can't


ya or like okay you can dine with us free the next time you come here like family dinner whatever ya service recovery , ya where


ya I do actually my it's actually quite recent also my experience are all quite recent , cause okay now auction is on the roll around, Facebook so there's a lot of auction pages so I bought so I bought this uh so they were they were having this like sale lah like sale ultimate like garage sale


so I bought a something like a pet shaver for my for my cats lah okay so it was six dollars six dollars okay delivery is eight dollars, okay I paid I paid for everything I didn't want to pay for delivery but okay fine never mind I paid and then okay it arrived at my door already and then after that I tested out the product then it wasn't working I put in battery different different way all cannot work


okay so I I texted them lah I say okay hi my my is not working lah can you what can you refund me or like can we do a, placement then she was like okay when can you come down to the storage uh when can you come down to the place and the place is not near it's at woodlands okay it's at the end of the world ya for for me lah okay so to me to me I felt like


I already paid for delivery fee I already paid for the product, the product is spoilt because of your due diligence which you never checked if the product is working and then now I'm asking for a replacement you ask me to go down there and get a replacement for myself


then I feel like and then after that they they said oh because ya you have to come down because you paid for the delivery that's why you received the items so they're trying to say that the the the thing is spoilt because of me so I need to go down there and exchange myself


then I felt like but I already paid for my delivery and I paid for the item when the item is spoilt it's not because of my my, fault what right so I felt very like eh !walao! like so mean and then uh I and then after that I didn't reply because I was very angry and then after that they said oh okay lah never mind we'll deliver for you


okay ah we will deliver it on the next uh next shipping out lah like when they do the next delivery I waited and waited they took two weeks just to deliver, one item and like they didn't even they didn't even wait for me or like they didn't even say sorry not a single apology from them which like really irritated me ah I mean it's your fault and then you don't even want to apologize all you can do was all you asked me to do was go down there and ask for uh get an exchange


and then uh they came here they didn't they gave me a new piece and I didn't even know that they were here so they even they didn't even take the old piece back, so to me they didn't like to me they don't bother about all these kinds of things , ya like it doesn't matter to them honestly I could have done up a Facebook page ah to write about them because honestly their services is so their service is so so bad but it's okay lah I decided not to because


no ah it's okay ah they still have uh reputation to hold right ya, but it was so bad like how can you how can how can you say that to me like how can you ask me to get my own replacement at freaking woodlands which is like


so far away from me and then , and now I ask you if you can do a delivery and you say no, and you tell me that I paid for delivery that's why I received my item doesn't make sense to me ya and my whole family was nagging me out lah because it doesn't make sense what for them to ask me that kind of question


ya so their service recovery was horrible for me (hmm), it was just okay ah just take ah I I don't want to talk to you anymore ya they didn't even they didn't even reply my text after that and they didn't even tell me that okay we're gonna ship


okay so uh mine is more towards a service so recently I went to Foot Locker, at #paya lebar# quarters okay so I was getting a present for my cousin right then like a shoe a shoe for my cousin as I was searching searching searching searching and then after that so my cousin told me okay she wanted Converse like her sister told me


so she wanted Converse so I said eh but it looks not not really pleasant lah like a bit , a bit like school kind of shoes then after that I okay I I found the Nike MX okay but there were so many like things that I was unsure of lah like sizewise or like


whatever and what not because her feet is not like the normal normal size it's it's size forty one so they like they usually have it in like men's size , so uh this this guy this uh one of the, staffs there right oh my god he was so


he was so pleasant and he was so nice to everybody who came into the store he would greet us, he will say how can we help you are you looking for any specific shoes they're very friendly so he helped me lah I uh I asked him like do you have this size in this size so he kept he kept


he cause he use the walkie-talkie something like that so he have to keep calling on to his colleagues like inside to check for the shoe size which I felt so horrible about because the store was more packed than usual, ya so he had other customers to attend but I felt so so I felt so a bit like out of place lah cause like


you have so many people to attend to and I'm like I keep asking you to take out new shoes, then I asked I'll ask him or then I asked him uh if he does he have this size then he say no he don't have but he have a men's size so he kept he kept remembered recommending me what to get cause I told him her shoe size is forty one and then he said that okay you get this you get this size forty one it's twenty six CM blah blah blah


then I said uh but it's men's size though isn't it too big for my cousin cause she's a lady then like because the shoe looked really big so I asked him all these kind of questions and he really like willingly answered to all my queries lah and he didn't he didn't shoved me aside or he didn't he didn't how to say like


like say okay wait ah wait ah I check for you I check for you wait ah wait ah wait ah all those kind of things, he once I ask him he will immediately comms to his, to his colleagues inside lah which is to me is very pleasant as a customer and then I had to make some phone calls because I want to uh confirm with my sister with my cousin all that like if that's the correct shoe


he waited he waited for us to complete he told us okay take your time just sit down here first take your time ask questions all that so I feel that that that kind of service right it's what we need everywhere lah not not when you enter the store and you need help but, the staffs look very busy and they don't really want to entertain you kind of ya ya exactly nowhere to be found that's the worst kind of case so like ya I I really enjoyed I really liked his his service lah and he helped


he helped me from the moment I stepped into the store all the way until I made payment ah I even until I left the store ya so I think that's the kind of, service everybody should be giving lah when you work (mmhmm) how about you ian do you know


a what


(mmhmm)


ya ya


okay, okay, sure okay for me right my positive experience is


it's not in singapore actually in cape town when I went over last year, last year when I went over cause I feel like their culture and our culture is quite different I think that that plays a part honestly so I'm so I'm very uh


impressed lah how they once you sit down at their table the first every restaurant the first thing that you the first thing that they will take is your order for your drinks, okay they will take your order for your drinks first and then they will give you time to order your mains so then once you're ready just call them and then like to me it's it's it's a better way of


doing what's that called waitressing or like waitressing waiter ya I think that how waiters or waitress should be because like, uh in singapore right we are not organized at all like to be very honest to be very fair lah like


in singapore right your main dish can come after your appetizer your dessert can come before your main dish your drink can come after your after you finish your meal that kind of thing you know like like you will just like !huh! like does it like I I mean I'm pretty sure you've questioned yourself like oh my god how how long does it take to make a drink right ya or like


how how hard is it to make some calamari rings like you can cook this pasta but you cannot make calamari rings that kind of thing confirm crossed your mind before right ya obviously lah to me I feel that over there right when when you order right it's literally


it's literary drinks first then appetizer main dish and then your dessert so they really really follow this four lah to me that's that's quite important lah like it doesn't make sense for me to order appetizer and get it after my mains that's not the point of an appetizer right ya


well I I really I really like how they are very, organized no !wah! like ya, the thing is that's that's theirs lah oh another one is also on the plane especially I I really like their service on the plane right oh you you okay you talk you have a lot of experience on the plane


, ya , but it's not it's not easy for them to keep up you know and the fact that they can keep up with all these standards for a very long time and every single time is is very impressive


actually when I was younger lah I really I really enjoyed taking flights you know for some reason I don't know why but ya I really enjoyed taking flights and then uh I love how the air stewardess are all so nice, like you know they have those kiddie packs like those kiddie sets where they give you like toys inside and colouring pencils ah this was much younger lah when I was very young okay not now this was much younger like when I was much younger then they will give me like those kiddie packs ah I'll get very


happy over it cause I was I was flying Emirates there to to Dubai and then to cape town so this this air stewardess she came up to me and she was like hi would you like this like , like #ape tu# like funpack ah oh did I speak malay like do you like do you want this like funpack inside there's color pencils and all that I was so excited you know my I have I have the picture of it I have a picture of me with that with that funpack in my hand like with my dad ah somewhere in his phone ya and oh my god I really like ah I really


like their their friendliness lah with kids especially they are they are really nice ya and like , you know like sometimes kids are like very rude like they will just take that funpack and like throw around like throw in their seat or whatever right ya but they they really really like try to give you that that funpack to make your day kind of thing ya I like these kind of services like where you cater to literally everyone


ya you literally cater to the kids you cater to the adults like they will keep asking you what's your what do you want like what which drink do you prefer coffee tea anything I can help you with ya, especially when you first enter right then they'll they have to put the baggage on top right ya that one I think they were really helpful cause me and my it was it was only me and my mum what then we were carrying like four bags big ass bag heavy


so like I feel that ya they were really nice to help us lah even the ladies, ya continue in an a


where I don't know


(mmhmm)


ya ya, they're honest


okay oh


ya me too, ya mine was at jewel at jewel ya Changi airport that one is even better because right their customer service is literally one-to-one


so it's one it's one crew assigned one staff to one customer so everybody has their own staff attached to them so that time I was getting, ya all of them were they were queuing outside lah so basically you have to go by appointment


ya walk walk-ins are only available for you know if you want to like buy this product or whatever ya but I mean if the queue is long right they will they will like suggest other alternatives lah for you but to me, I booked I booked uh the slot already so when I arrived they just brought me in so I was I'm I I met up with one of their staff upstairs then they just they just asked me uh like what you do uh what what can I help you with all that and the payments are all through that one staff


so you don't have to ya so you don't have to go other places so it's like the the payment right is all done through iPad signing through iPad payment done by card, so you can just PayWave can do NETS by them all through them all through them


ya they have ya there's no specific like like reception area where you have to queue and pay ya so your so your service is literally with them from the start till the end ya so I feel like they really really guided like every single one cause I cause I looked around the store right and everyone was with one


staff ya be it lah be it uh buying the, there are new phones there are iPads computer, ya even if you are just looking around for things right they will literally have one man to you so that you can ask questions directly to that one person only ya and I really really like I'm also impressed lah like !wow! you will really have that


many that many men to actually ya manpower to actually go one to one with every guest


insurance, okay so hi, hi


talking about finance today, !aiya! !aiya! , sorry ah okay so hi my name is <P2>yan daniel</P2> I'm going to be talking about insurance


uh so, so , what kind of insurance is actually essential for people, of our age okay so , I think that people in my age we actually need insurance which actually covers us


in the long run because from my understanding, uh, the younger you are, the, lesser the premium is and the price to pay for insurance


so I guess , it's best that people of, my age invest in an insurance policy, buy any insurance companies available lah, ya so


what do you think Farrah


to start off with I'm not a believer of insurance, okay I've never once, believe in insurance I always push my insurance friends away, but , I have I am covered


okay so , recently I actually only recently at the age of twenty four got my insurance lah , so let's talk about personal insurance lah myself , I got myself covered under the CI, critical illness


and the hospitalization coverage okay, , so what is CI is, in any case of, critical illness for example stroke , cancer


, anything okay this insurance company, will, cover me lah in a in uh that sense I'm covered in any case I am, , I am


I got cancer or I got stroke et cetera so , ya so I'm actually covered under Prudential, okay , at the age of twenty four which is actually


quite late I'm paying about hundred dollars a month ah for both critical illness and my hospitalization coverage which actually covers me all the way up to , the highest class and, any hospital


I can go to any hospital I get, covered under my insurance policy, so yes , I've been paying for a few months so far so good, cause I've been , getting income still okay but this is the reason why I actually am not a believer lah of insurance because


, let's be frank lah , we will never know when we will get sick, but I just believe that if, you have you are sick then you are sick lah, you know why am I splurging a hundred dollars a month


for I don't know how many years that's going to come, for something I know that might not happen, might not but it might so it's just a coverage for me, it's good to have but still not a believer


you get what I mean right


oh you hopefully I don't get at all lah what you hopefully twenty years I get


but I tell you I tell you ah insurance agent right they don't tell you that how much you're going to spend in, twenty four years I don't know or twenty years they are going to tell you that once you Kena ha they're going to give you fifty thousand, it pleases your ears what


everyone's ears is going to pleased so that it is their job okay, no doubt, to actually get us covered, be it in the right way or not depends on the agents but ultimately their job is to protect us lah get us covered which policies


but like you say about , how much I'm going to spend in ten years or in twenty years it doesn't matter because , they're going to say to you that, it's not when you Kena, it's not how much you pay it's when you Kena right we are going to pay you this sum


you know that is why people everyone , that's why lah I'm not a believer cause I'm I'm I'm I'm brought up this way you know, like like, don't don't pay insurance the only insurance I pay for which I I have to pay for is for my bike and the car that's all


because that is I have to it's a, it's a must it's not a choice because If you're going to have to ride or drive I have to have, myself covered but this kind of health insurance is honestly , uh a choice, whether you want to make or not


and if you have the means to pay or not, ya that's why I think it's, I don't believe in this shit


of course of course lah I travel often , traveling of course I will get insurance for myself because again it's the same same ah it's the same base as an insurance lah you'll never know what will happen you're just paying to protect yourself, but what happens whenever


wherever to whoever is, nobody will know so it that that that is insurance you know you're just paying for something, like might, might happen ya so, but ya travelling wise I have to I mean I always do because ah you're paying about fifty bucks sixty bucks


just to get us covered I've never once experienced lah, actually uh getting covered overseas lah like something happen to me but my friend has lah, he got into accident motorbike ya so we have this travel insurance actually


, comes into play lah which actually helped him a lot lah instead of paying to the paying using forking out his own cash you know all he did all he needs to do is actually just contact his agent, the the ya


so actually ya it's kind of insurance travelling


okay lah MediSave also, true true what you said is true, it will help you but is it enough, for your insurance coverage, you know


what's the contribution to CPF to the MediSave I also don’t know


but you know that there's a a there's a cap, there's a cap to how much MediSave you can use per, for example hospital bill, ya I mean, ya all honesty I think that is where the insurance coverage a part from


the CPF insurance comes into play, uh , ya to me it's it's it's it's okay, if, number one you don't believe in insurance, or


number two you have a lot of money, in your bank or ya if it's it, ya if you think it's enough ya then I think it's okay lah this is a very all personal


cause some people might just want to get , covered even more , I don't believe in the in insurance but then, I also don't think it's enough you know


no but there is there is this this this policy called, life insurance whereby if you die, your family will get a lump sum of money , so instead of thinking of which insurance to put for your health


just put into your life lah it seems you know you're going to die so much right correct or not makes sense, ya just just letting you know that there's, err so ya so you you don't care you don't care what what what illness you get because you know you're gonna die at the end right so you rather put you'll get you'll get the the life insurance whereby


your family get paid for your death


but how sure are you you're gonna die you might live what , after surgery or what cancer you know how many people cured from cancer, ya lah, eh so do you have do you have insurance


so actually what what do you look out for in an insurance agent


if you were to get one


honestly, oh cause honestly, honestly he's been pestering me for two years, sia so that's that's an honest answer , but then the decision to get myself covered was not because of him lah I already made the decision for myself


so happened he also texted me, so why not , you know he's a he's an old friend , from primary school, so he he's been hitting me up, for the past two years ah and I said no not interested I ignore him ignored him his text


then when I realized that I need to get covered, he , just nice he called me lah that's okay bro we can finally meet up after two years , , but then again he also did also did not okay one thing he's a he's a good person,


read from from social media lah from only I I judge from social media he's a good person a a well a well brought up, uh individual however it's not, I I didn't sign with him on the first meetup


I just had him to talk me through , then I tell him ah I'll consider I'll consider I'll consider then he will keep texting me again I say okay bro let's do it , and then he offered me a lot lah uh investment schemes lah


many other uh many other, policies but I told him bro , at my age and my income I I don't think I can afford ah, afford so many so many policies lah so I took what's best


and also because that time Prudential have this this this this promotion , it's not Prudential lah it's the the insurance, about this critical illness lah before cause if I'm not wrong the one that got me covered is, so many illnesses but after a certain date if I'm not wrong they only cover a handful


so whoever gets covered before that date, is covered more lah with the same price with a person who who gets covered after so also that's that's also technically why I got my critical illness, because I know I get covered more paying the same price


they're not getting covered ah, so ya that's that's , how I chose not really choose that's how he approached me, and that's how I got my insurance, so you will not get ya


what , nah nah nah I'm not easily influenced cause I know even before getting insurance, I know what insurance I mean I do my own read up


of the policies that going on so in a way right he cannot, he cannot cannot cannot lie to me lah the only thing he can tell me is, how much how much, , but get what he has covered but he cannot smoke his way through me just to get


just for him to get commission lah because I know


(ppc) ya, so I haven't tell you this story, !hey! this is a story, it's the story about, one day, my friend texted me


he's like oh bro how are you doing, oh I'm good, okay ah I I don't know I don't know his background I don't know what what he's doing lah okay how are you doing oh , I'm working lah uh, I'm working at how was it how was it can I a is there an opening ah you know I want to know more lah


so okay ah then he say oh you wanna go for lunch , so okay I say where okay so we went to Tampines to eat , ya uh went to Tampines, sit down okay we eat then he talked about oh you know, poly days in poly ha ha ha we laugh laugh laugh talk talk talk we had a good chat ah then after that finish our beer lah they he say oh


so, ah so what you do now ah you think oh I'm at ah #gini gini# then he was like uh, so so you you are working full-time ah means you have, you know income, you know monthly income I say ya ya of course


uh now I'm I'm twenty four right I I should have I mean I it's good for me to have a full-time lah okay so you know have you heard about investments he asked me, have you heard about investment, uh and insurance, I was like


nah nah nah nah nah nah don't tell me you're insurance agent ah, and I ask him bro are you an insurance agent he say no , I am not insurance agent I'm a financial consultant I was like, oh


okay then ya I was like I told him upfront lah like, is this the reason why you met me lah to get me to sign , for your policies ah no no no no no I I genuinely I genuinely want to meet up with you and have a chat lah to catch up


then I was like okay then the next time he go oh you know this investment thing you put three hundred dollars a month you know in sixty years ah your retirement ah you can cash out this sum of money, then I was like ya ya ya ya this was before I actually signed for my own policy lah and it wasn't the same person it's just it's another friend ya then he was like uh


oh so uh do do you are you covered, are you covered I said no I'm not I said I don't believe ah then he was like okay then suddenly don't know from where his iPad come out ah his iPad I think come out from his pocket !oho! suddenly got iPad in front of me then he was like oh okay you see ah this is


I'll just say lah eh this one is from uh, AIA, ya it's this one AIA , because I didn't know I didn't know where he was working from one then suddenly he come out his his iPad ah !wah! !hey! bro for this price this price oh your age ah your age this one go get yourself covered lah those typical insurance talk lah ah I say bro I thought you say you just wanted to see me


to catch up with me lah because I'm honestly not keen , in signing insurance lah I told him ah I don't believe in insurance ah, if you're trying to get my signature , I said no lah, then he was oh no no no bro bro just I'm just giving you my time ah uh you can just listen to me


without obligation then I say okay sure talk talk talk for a good hour we talked then I was like then the to me the end product is the same, I said okay so then I say uh no, no I said then I I I was I was pissed lah I was uh cause I spent like two three hours already with him


and he only get caught up with me for one hour , and the other two hours were just talking about this insurance I was like you know you could have just been honest lah if you really wanted to , uh to get me to sign ah I'm telling you no already ah


you know this is this is a service which I really , the service he provided ah although it's genuine I can see it's genuine ah it's just not right lah because , time equals to money man , he wasted two hours of my time on something I already don't want


at the start, you know and the way he used to get me to see him , you know you know I honestly genuinely thought he , wants to catch up with me you know talk about how's life going because the last we saw each other was during poly


but no , an insurance agent (ugh), then he was then I say eh bro I need to go, I I wouldn't want to go mah but honestly I just want to get away from him lah , it's okay bro


I'll hear from you soon okay I'll leave you a text, up till date (ugh) I never replied him , cause I honestly find his approach ah a bit, not right you know if you wanna sell insurance ya no it's not really forceful it's just


not truthful , he didn't force me he didn't force me to sign, but the reason for him meeting me lah is, his goal is actually to get me to sign ah but then he tells me I just I miss you bro you know, ya you know if if you are an insurance agent and you want to sell insurance


just believe honestly just believe in your product you know if people needs it, and wants it they will look for you you can do the approaching but you don't have to lie you can tell people that eh ian I'm I'm an I'm a financial consultant whatever I'm a financial consultant


if you need to get covered you know you know where where to find me or if if you have time I can explain to you what we have now, that's okay you don't tell me eh let's have lunch I miss you bro, and then , one hour through the lunch we eating the next two hours you talking about you you know that kind of thing you know this to me is a very


bad service lah I mean if he, he honestly just have to believe in his product you want to be an insurance agent you sell an insurance you want to be a real estate agent you sell houses ah you don't play around with people because


he's lucky that I'm working from home lah you know I have time to see him , you know what if I'm working and I actually take a day off ah, just to see him to have lunch ah and, you know he's actually just trying to talk insurance to me ah you know you just need to be very sincere in anything you do lah you want to sell anything


just be sincere don't have to, you know beat around the bush, just to get something forceful out of someone what


please wait hold your call


ya they just let it ring


oh ya ya ya ya ya ya mine is if you think yours is bad ah mine is worst okay okay so mother's day when was it ah last it's before COVID ah last year is it, is mother's day


okay I don't know lah it was mother's day , so uh it was a sunday it's a sunday mother's day , so , okay so we wanted to we wanted to, oh ya ya ya ya ya to make it worst it's a fasting month okay okay so yes mother's day my I decided to treat my mum lah my family to this restaurant called malayan council


okay this malayan council is at like Haji lane where where fusion food lah okay, so they have this mother's day special right which is for delivery that means COVID already lah right mother's day


is it COVID ya COVID COVID oh no ya COVID so mother's day then we circuit breaker ya ya so one month before, eh one week before mother's day they this malayan council put up this uh post on Instagram on mother's day special


this this this this this get this for this price and be delivered to your place lah because we obviously cannot dine in , correct so we a we I ordered they responded they said okay we'll be there like I said lah what time will you be there you can can you be there at six thirty because you gonna break fast at seven what I say okay okay sure six thirty err


so on the day itself mother's day happy mother's day blah blah blah blah we we are fasting so we didn't definitely we didn't have our lunch or what right so we waited, until six, then six thirty it's not here then seven PM ten minutes to breaking our fast


the food is still not here we have nothing to eat at home that's when I started to text and call, I think I left like fifty messages, no no replies I called them like ten thousand times no response then it was seven ten so we had to break our fast which I only drank water okay we only drank water and I still keep uh texting and


calling lah to no avail nothing , then I went over to their Instagram page, on their latest mother's day post everyone ordered everyone who ordered, that day, said that they haven't received their food


you know, everyone the commenting the comments are just like where's my food where's my food you know it's past seven PM we are fasting you know and it's mother's day to top it off all with mother's day how can you do this to us because the thing is


they should at least tell us in advance that oh it will be late, you know they can tell us we'll be late or, I'll refund you but the thing is we ordered a week before, a week before for mother's day and he knows it's and they know it's a fasting month


and most of them most of their patrons all muslim what , so they should like you know cater they should they should know their their capabilities, before you know taking in , massive amounts of orders what so so it's okay then after that me and my family went out lah to celebrate outside I still continue texting them because I paid already what about hundred a few hundred dollars for the meal I paid already so


texting them calling them soon eleven PM they replied, sorry we did not deliver uh we were shortage of manpower, err no no no no uh we were shortage of manpower we had, overwhelming orders


and we cannot deliver on time, then I was like !huh! are you serious, then then I replied I replied you know you know you are a a well-known restaurant you know, you're a well-known restaurant, and you you put that


post mother's day post online to appeal people, and when for and when a lot of people orders you are greedy I I told him in his face that, you are so greedy to take in so many orders but you cannot deliver


you know it's just greedy on your end what we paid we waited we are fasting I mean we were fasting and to wait for our food to arrive you didn't even respond to us that's the thing then where's your customer service then all he could say was, we were really short of manpower and I said I don't I don't care if you're short of manpower then I like I said you know I can give you a solution lah which is actually to don't be greedy


limit your number of orders lah if you know, ya you know, you have you you have five people in your kitchen you cannot be taking five hundred orders what , you know and to plus to deliver before seven, after five before seven on the day is a you know !wah! that was the worst boycott already boycott boycott that place until now I never go already ya lah cannot !wah! that was bad cause to


ya man, that's that makes it ten times worse


ya they'll refund you now lah or something, ya but nothing from them so malayan council


if you're listening nah uh , so I think all the ya go ahead, ya I think all these places ah they just need


it's the in-charge lah honestly, you know they are the one who actually should be held responsible, you know because, they are the first they are not the the first line of contact what, they are not so whatever their staff below them right say it cannot be justified then there's a manager you know or supervisor take the necessary because there's so much that a staff can do


like the manager can say okay sorry for the bad experience this is what the manager can say lah sorry for the bad experience uh, get ah your next dine-in, hundred dollars off


okay that is what the manager can say but a staff a normal staff , I'm just I'm so sorry they they don't have the the authority to, ya the power to okay your next meal is free or here's a free ice cream they cannot do that, because they are just a normal a a probably a part-time crew you know a manager is like their own shop I mean you know it's not right they have the authority to


!hey! Farrah you know okay your next time you can eat here free buffalo wings oh drinks on the house today, your your next your next visit here, will be free it's on me they can they can just say it's on me and everything is okay already for a normal staff to say that it's on me ah is I have to fork out all my money


from my own wallet to you know to to recover from my own uh from from your own mistakes when where whereby if it's a company's mistake all the manager could say is, okay next one's on me just come back you know that's how


uh you all plays the part ah in how, a company is being brought up and managed lah, eh, that's all you got any more experiences


there's no recovery at all


ya so you didn't you didn't you didn't you didn't make a Facebook page to say anything lah, so you so you you you allowed it to happen to some other people also lah


positive product review okay, so


tell me your experience Farrah


McDonald's okay so that time I ordered, McDonald lah right takeaway, so I ordered from the direct, McDelivery app, okay I forgot what I ordered like it was for my family lah so


there were a few burgers, but then when we, so we ordered it was okay so we waited less than thirty minutes it arrived, when it arrived we realised that, we were one burger short


one burger short ya I think one burger short, so one of us didn't have, a a a burger lah right or a meal, so uh we I called I called McDonald's means cause when we called directly , from the McDelivery app the receipt given is directly from McDonald's


so the address phone number from which outlet it is, it's all stated on their receipt lah so I gave them a call then this manager was like, ah I you you would it happen like eh hi I think, you forgot to pack my order


correctly he's like oh for which order ah then then he will she we described it lah okay ah this one with the two fillet I mean we ordered through the McDelivery app then she she took sometimes she told me to hold on, she was nice polite, told me to hold on while she do the necessary


counter checks lah so she checked and she was like oh , oh so what was missing because apparently she she don't know she cause, it was assumed that everything was packed , correctly, so she also didn't know whether it was her kitchen staff mistake


who packed it wrongly or the deliver ride delivery rider who actually forgot about it and left it in his bag , you know so many instances so she was oh okay okay so then she was like she she explained to me lah like it might be them it might be the rider so she didn't want to make a


a hassle lah all of it, so she said okay it's okay I will get one of my riders, to, actually go over to your place now , and to deliver the extra burger , so we waited then he was like okay okay and then she was very polite she apologised she took down my details so when the delivery rider came


then he also said for sorry he also apologised he was like oh sorry sorry sorry man on behalf of, McDonald's lah is it on behalf of McDonald's lah I'm sorry it's the same rider the same rider we sent the food earlier so I'm I'm sorry then he said oh no no no it's okay then I said uh I just asked him lah like oh did you forget it or oh ya then he said it wasn't me


it was, ah he he whatever he took was whatever he passed on to me lah then uh, the thing is after that, when we opened , we received apple pies


on the house, ya so you know as a gesture then uh, I called I called in again I told her that you know thank you for this , kind gesture lah I mean she didn't have to but then she no no no no no it's okay then she still apologised again even after


giving us a free apple pies and even making a two trips to my place so I think , that shows the kind of character that, store manager has lah you know and service that she has to actually uh recover you know this called service recovery lah after