ya, stock market is not the economy, what are your thoughts on this (mmhmm)


for me


it does but what in my opinion like, despite the worst like collapse since in in the US for their economy and like there's really bad corporate profits and so millions of americans have contracted COVID


, still like stocks keep rising and even if like there's such a high rate of unemployment like, actually like the S&P five hundred stock index it's like the best month in thirty-three years people are investing a lot the market is down just by like nine point three percent


but, it's also risen like risen like about thirteen point five percent from its peak so , I think this is a time when a lot of people are looking to get into the stock market and ya, true


twenty fifty-eight


part three negative experience, okay uh


ya I have heard the same about river safari but I never bothered to, buy a ticket and experience it for myself because I believe the users who had a negative experience, so ya I I did


I didn't even like night safari in the first place like because, probably the last time I went was when I was really young and also it was really dark that park I couldn't see many of the animals yup so I thought it wouldn't be a good idea to visit river safari as well have you experienced the river safari one by yourself


okay ya probably best to not to, for me the negative product experience that I want to talk about is my Lenovo laptop


so this, is a yoga nine hundred previously I had a, yoga thirteen, which I had invested like almost three thousand dollars, it's really expensive but it was like just new in the market the touch screen


like almost seven years ago so, I thought it would be really good like for medical school because you have apps where you can rotate around the body remove the skin remove the muscles and you know take a really good and respawn visual body so I thought that this would be a really good investment I can write my notes it's basically a tablet and a phone together


and even like as we speak I'm having charging issues, yup and yes okay so, my first bad experience with, uh Lenovo the yoga thirteen was, when


uh it had some kind of, software issue and I took it to the customer's customer service centre in #paya lebar# so I found that customer service for Lenovo is really bad like they took ages to get back to me and finally they decided to take in my laptop


and a week later when I went to collect it I found that they had actually cracked it and it took me like couple of, weeks of like rushing them because I had to fly back to uni and I had to call them and kind of threatened them and eventually they decided to let me replace it


so ya, they replace the entire machine and took like they sent it from malaysia a yoga nine hundred just a slightly newer model, but, uh ya it didn't turn out to be delivered because within a month like


my touch screen cracked so that's really sad yup yup ya


!hey! sorry like would it be okay if I go to take my charger


did you have such kind of bad experience in err, alternative theatre can I, like I don't indulge like in


theatres as much like now that we have, netflix and amazon, prime and, and and apple TV as I mentioned earlier like, I find that it's pretty good quality stuff and really value probably just to support like the artist the director


like I would go for a film, uh and of course like for the classics like uh end game any marvel movie basically ya, for those kind of stuff then I probably go to a theatre


ya but I don't, ya ya that's right ya yup so, I would not be very happy if the experience was


kind of violated or like polluted by annoying factors like how it was for you so I can understand your frustration, okay so back to my laptop like right now it's like in a very


damaged condition where the battery life is really bad it runs out of battery in like almost, six hours when it's supposed to last at least twenty and this is despite it being in like low power mode


economical mode and all of that and it it makes a lot sound, the fan noises err, what else, oh one of the keys is missing, in my laptop like one of it had dropped down and it's just lost


ya definitely after my first experience and not only that like my warranty is void because it's definitely been more than a year it's been nearly three or four years, since they had replaced the entire unit for


me but ya, basically from this whole experience I've decided like Lenovo is probably, not a very good laptop to invest in because firstly customer service secondly it's really fragile and it's not very durable


so I I'm definitely gonna like, consider alternative options but, I don't think Dell is really good either like, it has similar specs to Lenovo and like Dell XPS for examples basically literally the same thing as my laptop it's a touch screen it can be folded up into a tablet or


can also be used like in tent mode, , ya so it's really like versatile, however like uh I think it it, usually runs into a lot of software and hardware issues pretty soon


so, from what from my friends, I know like it probably like works pretty well like for about two years before it eventually reaches its the end of its life, line lifetime what about you


what have you heard (mmhmm) ya definitely ya in electronics err


okay so there was, this restaurant that I went to recently it's called #fill a pita# , so it's like in #raffles place# and, according to the reviews it sounded really good the menu looked good, but when I went there I was like very disappointed cause


it's much smaller than, what was shown on its website and pictures, the menu wasn't very extensive and, even so like couple of things on their menu wasn't available


and, me and my friend were literally the only customers there so ya it was, really bad the food was kind of dry err, despite being the only two customers in the restaurant like, they still took a close


to about twenty minutes to prepare the food which is literally like a falafel sandwich so ya I wasn't, very ideal, , have you been to any disappointing restaurants lately


ya there's already like a lack of options and on top of that like it's unhygienic and, not very like, tasty or nutritious either ya, most of the time it's just like a salad or something not sufficient


yup , what about like in terms of like, health or fitness items


health or fitness products or services have you engaged in any, apps for health, for me like I've been


using this service uh which is okay, I use Nike sports which is on,


iphone so that has like quite a few, workouts, that can be like tailored to you if you like, key in your weight your height your, ideal goal your diet options like like rough estimate of the amount of calories you take in each day so they will like come up formulate a plan for you err as to like how much


workout you need to like carry out each day, such thing so I think ya that's a really like good move that apple has rolled out especially like , this was like revealed in their apple event so this is something quite interesting


and aside from that like I do just follows general youtube workouts just to keep fit while staying indoors


do you have any negative product reviews for , clothes shoes and accessories


oh ya so the clothes shoes and accessories I think I probably had like bad review when


I purchase something from H&M and usually everyone purchases from H&M as it's, very accessible there's a H&M outlet in literally every mall, and


uh it's supposed to be very generic clothes that fit everyone, so, it was a negative experience for me because, I was, I was talking about H&M which has had a negative product experience for me because they have very generic clothes but it doesn't mean that it fits every body size


and, although they claim to be like, uh racially inclusive and eco-friendly I, feel like they're still exploiting child labourers in, pakistan bangladesh


and purchasing, cheap materials getting cheap labour and they are, overcharging for clothes that could probably be charged less or at least all this income that they're getting should probably like, be redirected back to the people the labourers who really need


such kind of funds, what about any negative product experience regarding clothes shoes and accessories for you, (uh huh)


definitely ya I think


this is err one thing that all customers should probably like look into, because it's not just about the small purchase everyone together like contributes to much bigger industry which in turn is building its base on the bodies or the lives of the people who are less privileged than us


so, it's definitely something that we should, look at as a bigger picture, before we, actually buy a thing and of course like some items that are even like , cruelty-free for example like a lot of leather products or


like even like lipsticks which use fish scales like makeup products there have been a shift there's, more vegan or and cruelty-free uh items in the market but they're a bit uh slightly, priced at a higher rate than


the generic stuff but I still think like, it's worth investing in to try and ensure that, we are you know being more sustainable more eco-friendly and harming less, people and animals everything nature ya


yup yup maslow's ya definitely ya


, shouldn't like indulge in like voyeuristic, purchases I guess


uh what about like oh in terms of education and training like, there's been like a lot more classes online classes on zoom and uh even this cisco webex so do you think that has, there been any like negative experience using such apps with you


definitely yup


I think that's one drawback of classes uh another think, ya I have been attending quite a few like virtual sessions and I think one of the biggest drawback is people talking over each other so


that is one thing like I think app should definitely look into adding into their features probably like muting everyone else when one person is talking or at least like admin should have like privileges to like only select which person to unmute and other people shouldn't have the freedom to unmute themselves and just talk in between cause it's


been very disruptive for classes and it really impedes like the learning journey and it's quite frustrating for everyone in general , so ya this is like one of my biggest peeves with, online classes yup, and also like


for, clearing doubts and, any such things it's it's also really hard to like contact your educators because now that we have this technological access everyone is trying to contact them and they are flooded with emails and text messages so it's really hard to reach an educator twenty thirty-three ya


part two, positive experience, okay, so I was trying to think what was what's probably like the best


product that I, have purchased in recent times but, couldn't think of anything that was better than my iphone eleven, so ya let's talk about apple, and iphone eleven today , so I think firstly it's very versatile phone very good battery life compared to like previous iphones


and , it has really good camera function the added camera is definitely a plus plus uh the wide zoom it's really good, , ya basically I love I love my iphone eleven it's really it's been


really good and especially with the latest like IOS fourteen have you updated, ya so with IOS fourteen I think it's even better the user experience and ya apple seems to like be able to upgrade every time and ensure that


apple users are happy as always, what what is the positive product, that you have thought of (mmhmm) that's the


true, so you're saying like you enjoyed the service because


it gave you a unique experience that you couldn't, elsewhere okay, so how much was it, (mmhmm) oh nice


how much is it for like one hour or per hour, was it like economical, so this was pretty good deal,


and I think they provide the snacks and drinks as well right, (mmhmm) ya you can't sustain right ya so


but that was a pretty good deal if you probably like planned your, time and could pick, the games to like build up, like, start slow maybe and then or take a break in the middle for, a more chill game


okay that's interesting err, okay so let's continue talking about, iphone eleven so you have a iphone XR right, do you do you see like any advantage or disadvantage between


eleven and XR, ya


for me I don't ya just once you become a apple user you can't quit, I think, so I got this phone last year, and, so far it's been pretty good, I uh the screen is really it's uh liquid retina so it's very nice to like watch netflix or even for like video calls


and, also I have like just a normal iphone not pro, max, so it's a good size not too heavy can fit in the pocket, so, it's good and most importantly like the glass it's gorilla glass so even if you drop it which I tend to do


it doesn't crack ya so that is, another really good advantage, true right ya


uh also like the audio quality I find it much better than , my previous phone was a iphone six so I can definitely see like a bigger, change and also, how can I forget the biometrics like facial recognition and the memoji what else those are really good


ya ya, ya this is actually part of their newest like upgrade actually they were planning to do this like as a doctor like I have difficulty using like facial recognition in the hospital


so usually I have to unlock with my passcode but finally like COVID precipitated this update because they decided now it's important to include like recognition with mask on but I guess, ya it was it was before IOS fourteen but as you know COVID was


first started in like december so ya it was sometime around jan or feb I think when they released this, update in the IOS, ya so ya definitely it, advantage but think they still need to do some tweaking in that


also there's this thing, there's also this err, apple TV plus that was also included like when I got the phone, I don't know if you had it with your XR, ya it's really good like uh apple TV has like really good shows have you like checked out any of them


right


I think you should definitely like look into apple TV there's some like really good, like suspense thrillers , for me I had it for, I think a couple of months roughly ya ya I think


it was just like part of the offer so ya I did enjoy like quite a few shows like defending jacob and, true, truth not be told or something like that ya, octavia spencer , ya pretty good shows you should check them out


I think like they're gaining some


reputation now because they're picking up good shows and not only that like everyone has more time during this lockdown, and ya, since more people are spending time at home you have more screen time, which is good because apple keeps updating and


ya, there's more things to occupy us with, okay so back to like uh mind cafe was it, your your product experience where was it


mind cafe ya, have you been to like other uh board game cafes, (mmhmm) for me


uh ya so I've been to like quite a few there used to be one in Clementi, and, I've been to mind cafe like a lot of times, and there's another one in Chinatown I forgot the name but ya, so the one in Chinatown basically


it is really cheap, and they also have like, wii and playstation so, you also get to, stray away from the traditional board games and also, you know use playstation or nintendo switch and ya get some free fun your three hour limit


but generally ya I'd I really enjoy going to board games board game cafes and with friends cause you really get to see like the competitive side of people when you're, playing with them definitely ya


and also like the games are really interesting like and I had no idea there are such a wide range of games and also like recently I was I had seen like a news article about


mind cafe about how about how, they had to like diversify during this COVID time when, less patrons were attending the cafe so what they did was they shifted online and started selling their board games because more people were keen to purchase these board games to play with their families or within like the


limited five people, group so that was I think a very smart business move on their part and I think they were, supported by DBS if I'm not wrong ya, so it was really interesting that they thought out of the box and managed to stay afloat despite like the economy


downturn


I think err online you'll be able to find like they have a, range of like new board games and also used board games and then of course the prices very uh like slightly lesser if it's used and ya it's definitely I think still worth to buy yup


so uh have you watched the apple event the recent, yes go ahead, have you watched the apple event when they just released like a few weeks back a week back


so so there is no iphone twelve this year yet maybe but there's a new apple watch and, uh ipad, as well so, ya so it was interesting to watch


how iphone is diversifying now apple watch has this new feature where, you can detect heart ECG and, if they detect any abnormal patterns it will like immediately notify like emergency, partners


err no they have measuring heart rate ECG is like a new edition, ya


I wouldn't say that I have any favourite brands as long as it's like eco-friendly and sustainable and comfortable like, I prefer to just, purchase those kind of clothes, do you have a favourite brand, (mmhmm) yes


more like tone down casual appearance kind of, thing ya , think it reflects also your outlook in life as well, and what about like favourite electronics or gadgets


okay


isn't isn't the android like traditionally supposed to be better to, transfer stuff like I mean that's something I struggled with with the apple though like not having a macbook is difficult like when you'd have a iphone


ya exactly which is why like I find it difficult with my Lenovo, I think it would be better if I invested in a macbook, whereas for android you don't find that kind of difficulty you can just easily connect it up to any laptop and you know


just copy all the information so I'm surprised you didn't do that with your samsung, so how do you transfer


stuff from your iphone then or you don't okay I see well maybe you can invest maybe you can


probably get yourself a macbook before university starts, so ya (hmm) okay what about travel oh travel and tourism so I


don't think it's for that long like probably in, a couple of months things will open up as singapore just opened up to australia to all states except for victoria so tourist can start moving between, singapore and australia ya and of course and definitely ya


and also the prices are jacked up because of distancing measures so the middle seat has to be left empty and, ya then flights are definitely not travelling at full capacity so, that's another thing to consider the price


ya it it


ya definitely like SIA has put in like a lot of measures to, try and sustain because of course it took such a big hit , uh, some like air hostesses air hosts like they have been helping out in hospitals for like patient care so that's another like really laudable thing that they have been doing so I think this is


like, sort of a necessarily measure that they need to do to sustain their business and , I would actually be interested to like, probably, be inside the plane again, and have dinner and, probably take a look at the museum sounds interesting


(hmm) ya basically yup yup


ya the zoo bird park ya, ya I think this is necessary like for local tourism to ensure like singaporeans, you know spend a bit or uh encourage to spend a bit with certain discounts being provided


and that will in turn like sustain because usually our economy has a huge like income coming in from tourist and, that is definitely not much and not possible right now so


ya I think we should definitely try and contribute this way, and also the zoo and bird park and all these has been years right since everyone's been it's a good chance for everyone to explore singapore again, true


if you had a chance which place would you visit, (mmhmm), ya right


twenty twenty-nine


okay, share your experience in any of the following, okay sorry part one finance


okay so share your experience in any of the following investment products, shares bonds unit trust, et cetera


I have heard from my friends they have been very interested in investing, but at the moment no one is very clear about what exactly to do, because there are many different sources and each source, uh uh saying different things


so at the moment we're all in, uh in a more of a confused state, there are different types one is like the DBS or POSB ones which most singaporeans are going for


then there are others err where you can invest in either local companies or overseas ones


I think I roughly understand what it entails, it refers to us having a sort of partnership with a particular company for a period of time, and uh in a sense reaping benefits during this although it can go both ways depending on how the stock market on its own does


do you think investment is similar to gambling though, and why


ya I think those are some of the key differences but, err fundamentally they have the same uh some similarities which is that, you pay money, with hopes of getting back something in return either the same amount or more if, if possible


of course for gambling there's a higher risk, there is almost zero guarantee that you will get your money back, due to the high stakes in be it either be it whether casino gambling or, sports gambling, or any others uh types that exist out there


whereas for investment even though you don't get any uh immediate benefits, this is a sort of investment where you have to wait for a err period of time, before the money come comes rolling in, ya


I agree I believe that this is one of the key reasons why many people are afraid to take the first step when it comes to investment, due to the lack of experience and , the over excessive source of information that's out there


it's very hard to find a comprehensive steps step to step guide, although there have been , a rise in certain applications such as the groww app for instance, which like gives step to step tutorials but, these are taking time to gain popularity


uh I have read certain online articles


some that mention how it may not be, err beneficial in the long run to invest in certain banks, uh especially during this period because, when we invest in banks we need to take into


consideration for instance in this context how long our COVID pandemic is going to stay for, so initially it may seem like a good idea if the COVID pandemic were to disappear say in twenty twenty-one


by then like uh our economy can recover and everything but to put things simply if the pandemic were to extend for a even longer period of time, given our banks are going to become bankrupt over time it's a possibility, therefore it uh it may not be the best idea to invest in


banks at the moment, so this is the article that I came across when I was considering whether I should, do that for DBS


not really because at the moment I'm serving my national service, so I have zero CPF contribution because I'm not part of the workforce, how about you


I guess it can be argued that in a way err the CPF scheme is a forced investment in that sense by the government, to help us err have enough funds during our retirement, so, certain ways that they have helped they have ensured that we have enough funds


is that err, by having proper, uh interest rates for our money and ensuring that you can only draw out that that sum after we reach a certain age and even putting regulations on how much we can draw out


so I feel like these are this is a rather interesting way of, ensuring that the, err elderly in our society have ways to sustain themselves


I I believe that I fall under that category as well, so I would say that the, the only thing that we can do within our capacity is to really find an expert to guide us through this


and there are a lot of fake news and fake and fictitious sources on the internet, so it is quite important to know , which is legitimate and which isn't so that we don't fall for such traps, and end up losing our whatever money we have in our hands


no I haven't can you tell me more about it


it definitely does sound less riskier than stocks because, from what you said it sounds like uh so it gives us a preview of what there is to expect, before actually uh committing ourselves to it


err please share the details


so that way you don't have to monitor it on your own right the app just does everything for you


uh definitely affected even more badly, oh


uh what other companies do you look out for when it comes to investment beyond biotech, okay


since you are already doing this much research would you rather use a robo advisor, or would you prefer to, read up on your own and make your own decisions


the stock market is a really integral part of the economy but the economy is so much more than that, our economy create thrives on trade and much of it comes from the stock market in our new digital age, however


there are other factors that help to boost the economy say for instance tourism, or , exportation and importation of producta, ya et cetera, but I would still concede to the fact that the stock market has a very huge impact on our economy for sure


I think there is a huge risk to it though, given the fact that so many people are scrambling to buy stocks in during this period, , if as you said since the stock market is so volatile, if like err all the stocks were to crash


then with it every every investor is going to face financial losses as well, so I don't think we should just, uh sorry what, okay uh I don't think we should just jump on the bandwagon and, invest only just because everyone else is doing it ya same


(uh huh), part three negative experience, okay, so as mentioned earlier when I was talking about river safari, uh the reason why I heard negative


remarks about it was because first of all the tickets were overpriced, and secondly there was no unique experience that, , the zoo or the night safari did not offer, apart from the fact that there was an artificial river


and a boat ride where you could, go around and like observe the animals, what about you what have you heard, nope


I have not been there also, ya okay (mmhmm) oh


oh that's a very bad experience and it shows their unprofessionalism, in the fact that they actually damaged your device even more, but at least they tried to uh rectify that, okay


uh can you still hear me, okay uh so, what I would like to talk about is my experience with, , entertainment as well


so, a couple of years back I actually went to watch a movie in cathay cineplex, so I've heard a lot about cathay uh what first of all it's one of the more expensive more high-end theatres secondly the seats were a lot better as well as compared to golden village and shaw but the thing was


when I came back home a few weeks later we had a case of bedbugs, so that was a real shock for all of us because never in our entire uh life have we ever experienced bedbugs, and it took err one whole week to just rectify the whole thing get rid of the entire uh situation


so ever since then I've I've had this PTSD when it came to cathay, and I make sure that I never went to watch a movie there again


thankfully no so far


ya I agree certain movies like you require that environment, that specific, environment to watch it in


oh but I think you gave up trying to uh call customer service right, based on your last experience ya I agree oh okay


I've also heard a lot bad things about Dell, err and the fact that there is no point in buying a Dell laptop, so I would I would steer clear of that, completely ya


so uh coming out of electronics, and ya the areas where you experience where you have like a negative product review, uh no no anything other than electronics, okay well in lately no


but I had been to some restaurants where the food was , not up to the mark, so , for me it's not so much of restaurants it's more of like hawker centres, usually like after my first or second


experience there I've started having very low expectations given the fact that they're vegetarians, the food that we get there is the blandest that they offer, so


uh sorry can you repeat that, I'm I don't use any apps for health at most I just use the health reader err that's already available on the iphone


(mmhmm)


which youtube accounts, which youtube accounts do you follow


err negative ya actually I do so I don't really get the hype with crocs, a lot of people like uh wear crocs for water sports or water play, and when I tried getting crocs when I was very young I've I got a lot of uh


shoe bites like which is a layman term for it, so because of that I always avoid wearing crocs these days it was just not comfortable for me


and what about you ,


uh not so much of clothes more of shoes is the same as what you said a lot of Nike factories they exploit the labour there, so uh factories that are based in the indonesia or thailand the workers there are actually children they are underaged children who are probably paid about two to three dollars a week


and they don't have, and they don't have proper nourishment or healthcare benefits, so because of this a lot of , social activists


or people with like goodwill intentions, tend to avoid such big brands, in order to make a small impact in their own way, (mmhmm)


I totally agree with that err it is important to strike a balance between, , sustaining our environment and also fulfilling our own needs or desires, and this can be done by by opting for as you said more eco-friendly products


and biodegradable products ya


uh I have no personal experience I have heard from many other people who have had many negative experiences, because we cannot deny the fact that by having online classes you can never reach the same uh impact as having our face-to-face class in a classroom setting


so based on that a lot of people have reported on how they don't learn as well as they used to or it's very difficult to uh focus and pay attention in lessons due to, , online classes not being very reliable


ya, what about you err have you had any online classes


twenty thirty-four


uh positive product review, okay so why don't you get started, first what is one positive product experience you had ya I have


mine is not really a product per se it's more of an experience, so two weeks ago I went with a group of friends of mine to this , board game cafe in Bugis it's called the mind table, so we were quite impressed with the prices because even though they seemed


uh expensive at first, we when we thought about it we realise that it was actually quite worth it, because we could have unlimited gaming hours uh unlimited free flow of drinks and snacks, so that really made our time there quite


eventful, ya there were a lot of board games to choose from so we decided to make it worth the experience and, pick games that none of us probably have in our in our homes because what's the point of travelling all the way there just to play monopoly and uno


right, ya I enjoyed the package that they offered


err can't remember I think it was like, twenty dollars plus ya, for unlimited hours


fifteen fourteen or fifteen around there, then I think seventeen for three hours, it is it is yup free flow, so but the thing is err we picked all those analytical games that required all the strategising


so by the time we were done we were actually quite tired, we realised that we just can't go on forever and ever, so I think maybe three hours is a good duration rather than, unlimited it was definitely yup ya I do


to be honest I feel like every iphone is eventually the same, thing, it's just one or two added improvements and then extra, two or three hundred dollars for that, but I like the, the class and the status that comes with an iphone that I cannot deny


so that's what I enjoyed, yup oh okay


that is one thing that all apple users will definitely appreciate because, iphones have always had the reputation of being extremely fragile and extremely expensive, so it used to break people's hearts when they dropped their phones and crack their screens


yup


the amazing part is that they even recognise your face in the dark, ya which is, in fact like since we have been wearing our mask out uh for the past, six to seven months my phone has started recognising my face with my mask on


actually it was before IOS fourteen though it was like, yup it it doesn't work all the time ya I did


to be honest they there are just this collection of apps that I don't touch, like stocks, pages apple TV apple store apple store is apparently different from app store I think, so I don't even like open these if if if I were to open them now it would pop up with a page of welcome to this app err here's the steps step to step guide because I have not touched it


till today, but is it free though you need to pay right for that, oh okay err


to be honest nobody knows about any shows that are from amazon prime, or apple like, these are is very unheard of, unfortunately even though they can be good, back to what sorry


ah ya correct the mind cafe, no this is actually the first experience I've had with a board game cafe although I have heard of others, hopefully I'll get to check them out in the near future


I believe you have been to others right can you tell me what was, the unique point about each


ya it's a very nice bonding opportunity, it was yup


but I guess a concern is uh the condition of the board game that they are selling, did they specify that their that everything is in a brand new good condition or, it's the used ones that they already have


oh ya ya ya I believe that is that was there for the previous one or maybe for the iphone, if I'm not wrong but apple has this feature in some other product, err okay okay okay


so what's your favourite uh clothing brand, and why you had is it your favourite, not really either uh


like you said for me comfort is err, the highest priority, and also it has to look, presentable, so I'm not like for any flashy gaudy clothes, I prefer more sober colours ya correct so mostly so ya I'll


I guess my iphone XR, to be honest, like after I my previous phone was a samsung so I've really, felt the high-level of convenience when I converted to iphone even though I lost all my old pictures


and old voice recordings and everything because I've, I did not successfully sync all the data from my old phone, to my new but that's okay


it's easier to transfer within like apple products what like from iphone to macbook or iphone to ipad, ya I didn't I didn't know better back then it's okay what is over is over


I don't have to where do I even transfer it to everything stays in my phone


maybe I'm thinking about it, ya favourite food oh okay sure


something that we definitely cannot do at least for a good one year from now


err that's true but then it's not just about flight availability that you must consider when you want to travel you need to look at our own schedules as well, so, since most people cannot ya, ya so since most people can only travel at the end of the year, usually


it still means that we will have to wait for a good one year, before we can make plans


speaking of travelling and flights I was really glad when I heard that uh , SIA decided to cancel their flights to nowhere plan, after like environmentalists err, complained by talking about how it is not the burning of the fuel and all that is not environmentally friendly


even though that they have like latest idea to have a dining experience and a tour of the academy is not that great, I still appreciate that they are trying to solve the issue that their previous , plan had yup


like uh get the first class experience right, since we have the chance, yup, a lot of other uh tourism spots in singapore have also come up with, certain packages to


encourage more singaporeans to visit basically to just sustain themselves, like #gardens by the bay# for example, with their corporate packages, ya yup (hmm)


correct these are really nostalgic places but also, places that people generally don't visit uh in normal situations, ya you mean amongst like uh


singapore zoo et cetera, definitely not the river safari, heard lot of bad things about that we will save it for the next segment maybe err okay uh twenty thirty-one


ya finance


hello ya, eh <P2>fuad</P2> do you have personal insurance of what, (uh huh) okay why not ah


(uh huh) okay, !wah! then you have some form of ah insurance ah


okay okay understand so, I have uh a lot of insurance ah actually personal insurance investment insurance, uh company insurance


yes correct, it's to insure myself from getting uh cheated lah from uh anyone or any uh unknown


entities that uh decide to actually uh you know break up the business or try to infiltrate our shares lah, no no it it's for myself for the things that I invested in


yes correct


okay so that's why you need a you need a good financial planner to help you out yes you need a good financial planner I can introduce you to <P2>zachary</P2> if you want, oh so endowment plan <P2>fuad</P2> endowment plan do you have a endowment plan ah


yes I also don't know what an endowment plan is but what I know it's basically endowment plan ah this is what I can share with you lah about endowment plan ah endowment plan is usually something that is like a life savings for you to save for your retirement or for your children's education or for your children's future


yes correct, the ah but this one it has interest ah you you keep it there for ten years you get interest of twenty percent thirty percent something like that


so, actually a lot lah great eastern AIA uh prudential ah prudential


, oh okay eh


then then you ya when you turn thirty-five I'm going to knock on your door ah, , , course I'll be knocking on your door lah okay so uh


uh depends err maybe about three three to four hundred month depends on what what what I'm trying to do or what I'm trying to invest in lah


, cash is king of course cash is king lah understand


, so all that that is where the the insurance actually becomes their savings lah,


no that is what I always say cash is king ya cash is always king lah so ya, ya actually actually you should you should get a financial planner okay uh do not get a single insurance provider you get an insurance uh financial planner to help you choose whatever you want


ah financial planner he he will help you to uh actually, err what do you call it err, err fine tune whatever you need whatever you uh wish for you know uh what's your salary


, under the <P2>zachary</P2> I have four plans I think, health uh health company eh investment insurance and one more is I think a basic insurance lah


okay then uh, eh <P2>fuad</P2> do you think insurance coverage is enough or not for your CPF insurance uh enough or not


(hmm) CPF coverage also you not enough ah okay so, ya lah


so health insurance actually very important that one I agree with ah ya lah but the but the problem is you know all these uh things that we have to pay for ah CPF lah all these uh dependents ah medishield life lah medishield medisave, should be enough right but actually bullshit right every time is always eh kind of like nonsense right come out


ya lah but when when when when when the time you come to use it not enough right always not there right, ah ya lah so


ya, so uh the the recent one that you ask me that time you we have to pay uh extra money, for from our (uh huh)


I think is medicare or medishield care I think or something like that ya that's also insurance what, don't think is enough right I think we we still have to fork out cause we are young right you older different thing lah


pioneer generation our our our fathers ah our fathers different ah, ya no I mean like the the the thing will cover our parents well lah but not us ah,


oh okay, oh kay


ya lah ya lah it's quite taxing also lah it's quite taxing also ah it's quite taxing also ah I mean like you know ah I need to take a a number of medications what so I I also need to pay fork out quite a bit uh, okay


so what what you want to look out for insurance agent ah handsome one you want or not, pretty one eh no problem ah no problem lah, but then important is not whether handsome or pretty lah you just need to ask them what is the proper thing that they they trying to sell you lah


, [orh] that one is uh student insurance ah that one everyone have to take lah everyone that one everyone have to take lah


ah, okay twenty-five is quite okay what per month ah oh okay okay


oh so everything is actually considered lah, oh no no ah, ah


, okay that's good enough what, good enough what good enough, so so, I don't have any property lah what you talking about my my mum my mother's property I don't know ah ah I don't know ah but I do


have insurance for the the the we do have insurance for the four four four little babies, ah, four four little babies ah my nephews and nieces ah, ah well we do have that ah


engaging domestic helper you I I I think grandma last time used to have err, ah ah then, oh okay okay


too too many cooks spoil the broth , oh that's true


so commercial of it call, okay commercial okay traveling traveling overseas you you take insurance ah all the time why ah why why no good lah


oh oh okay so , last time I I went overseas I I always take err travel insurance ah, ya it's very cheap ah it's very cheap plus I I feel secured if I lose any of my things ah ah because I'm I I I used to travel around like maybe last time maybe once a week I used to go KL via jet what


so ya you take you take that one so if you lose anything also you won't be you know, you won't be err , what do you call it you won't be stuck ah you won't be stuck somewhere in a loop ah and you lose your phone or you lose your laptop you lose your whatever lah you know you lose your wallet or all your cards in or whatever


ya hundred two hundred dollars but if my stuff all inside you see all the the problem is the data that I'm carrying sometimes you know ah ya so uh the data I'm carrying sometimes you know the that whatever the thumb drives the softwares whatever lah I mean like during my time with my my business eh


so that one is a uh, cloud also is not secure lah so ya lah we sometimes we just need to that extra that extra insurance just to help you out a bit lah at least you can recover your losses lah


, I do not know yes it and mine


ya I think so ah I think is not medishield life ah is something medishield something something know medishield life something something extra at the back ah, ya sometimes you just ah no, unless you want to get dragged to to to court ah


, depends lah they they they usually cut it from your medisave what


, I don't know man that one you need to ask need to ask the CPF board themselves ah, ya


and then uh when when it comes for us to take our money don't have, ah always like that but I don't, don't understand why why we have so many ah you know like medishield life eldershield medisave I mean like isn't medisave just enough one one program to cover everything


(ppc) ya, ya lah not but you know eldershield is okay eldershield to cover cover for old people elder people okay lah but medishield life okay you have you have medisave already you have medishield already then you have medishield life then you have I think the new one coming up is I think medicare or something like that lah ah


medicare life something came up something is coming up also I I don't remember the name ah, ah


welfare policy is similar ah canada is better what canada new zealand, new zealand , okay lah no lah then if if you


if you want to buy property you you want to take insurance ah, , fire fire insurance ah fire I don't know lah that one need to check ah


ya, ya that one must must ask mister <P2>sazali</P2> ah whether he have not, ah ah mister <P2>sazali</P2> eh <P2>hafiz</P2> father ah whether he get not


ah cooker hood ah ah


the door ah the door is because they break down the door what no no no wall is small damage lah [orh] what's important the sambal prawn was safe ah, ya lah ah the prawns still okay


, check lah whatever it is ah !wah! when when when when was that ah last year ah last year right, ah ya ya last year ah uh uh funny lah ah so ah


madam <P2>szeto</P2> ah then she took off and repair ya I don't know so, if you looking for insurance now ah what what what are you looking for ah for your age lah no in general lah don't talk about yourself ah in general lah,


and then what what what what do you look for in a health kind of uh health insurance what coverage you looking for I mean like ill illness coverage how how far the coverage for the illness and whatever, ah okay


life threatening life threatening conditions ah uh okay lah wait, ah understand understand ah


oh really ah, oh A class ah okay


, subsidise lah subsidise it ah subsidised C C ah,


okay oh okay, , of course lah that one I agree ah private hospital [orh] ya lah ya lah


ah so so term life ah


ya lah but but investment and investment uh investment insurance is important if you want to invest in in certain companies to prevent major ya, ah so ya lah ya lah whole


term term insurance or whole life insurance ah what what what do you think is better ah, ah I think so lah that should should be what it means, (hmm)


ya lah but whole life you have to pay for your whole life ah, ya, ya, ah okay


you remember that time we ate that uh uh, the bakery at the Tampines south ah the one that we bought uh I bought the chocolate ball bread works ah horrible lah that one, horrible lah that one that one is like !ee!


ya very expensive ah the the the, two no lah one chocolate ball is one eighty I think one eighty or two nearly two dollars ah, ah never taste good at all lah then the


err, ya lah horrible right that one, cardboard, ya taste like cardboard ah,


then the the you you remember the uh last time at two zero one there's this #warong kim# or not, ah, uh nay years ago ah right nay uh #char kway teow#


ah no no no no no no, before Rasa twenty-one I think, uh no no no no it's at the old toasties place the one that is crave now


no lah longer longer than that way way longer than that during my NS days, uh uh


Warong #warong kim# right and then they now now they have it at err Tampines hub the hawker centre ah, no no it's in the middle, ah that's the same #warong kim# #warong kim# I think now they call it #warong kim# Goreng Goreng I think


ya there's there's one #warong kim# Goreng Goreng now is like super horrible last time was okay now it's like super !ee! horrible


the taste is is too oily the taste not enough I mean like too much salt too much uh too much soy sauce too much oyster sauce too much too much sauces ah


uh I think about few years ago ah uh two eh not few years ago ah uh, ya maybe maybe few years ago then I stopped going there already


ah ya correct then I stop going there already I don't want to go there already, ah, uh


ah, ah maybe ah maybe aquariums eh ah aquariums


smaller lah smaller smaller, ah KNK ah ah


bigger KNK is bigger KNK also the service actually quite bullshit one the the products are good but the service is bullshit one, you you you don't know anything ah you don't know anything they will uh they will mark up the price they, will uh not ask you to buy a lot of things they will try to upsell ah


unethically upsell ah, ya sometimes I the the that time when I went with my niece I saw this uh auntie ah


wanting to buy a few uh tortoises, for the grandchildren ah ah upsell the the what do you, call it the the furniture or so called the furniture ah for the tortoises and then the food they gave it the expensive one and then uh the


tank also they didn't they didn't give her the cheapest option they give her the more expensive option, then they they then they they uh, ask her to buy water treatment lah water conditioner lah tortoises don't need that what I mean like, you


ah they need water conditioner lah this and that lah, eh okay


ya they can live in uh they can live in horrible water horrible horrible water they can live what no problem, uh ya lah, so oh my my uh, the the the worst I've seen is my friend having keeping a terrapin in the yakult water lah so so I know I know what you mean lah


uh uh keeping inside Yakult water ah, that one is horrible lah my friend is a horrid person


so, ya eh you remember that time uh I bought I bought a two yoyos from uh china that one, no no the two yoyos the red coloured ones the one that came in spoiled lah with cracks all over and the thing was like


uh what do you call it damaged lah, screen cover


oh that one that someone asked me to buy right and then I bought I bought then suddenly came and then they disappointed that one disappoint also ah, ya I get refund ah ya


uh uh uh ,


no lah that one the quality is just that bad lah the quality is just that bad ya, , maybe bought bought in singapore, [orh] okay maybe ah I think is purely luck ah


ah purely luck ah maybe sometimes you get a good one maybe sometimes you get a bad one but the the yoyo I bought that one came broken ah and then ah horrible you know have to go through a lot of things just to get back my twenty-six dollars, about one month plus lah because the the the seller did not want to negotiate with me


which one ah not india lah


oh the one I bought from US lah ya, ya ah ya ya correct correct not the ah ya lah but


but but good things are online what good things are online ah, not all lah some some some some some problematic not all


no no no but then if if it puts there doll doll sized table is doll sized table what, ah okay


ebay oh ebay is between people and people what not between seller and people ah that one is okay lah understandable lah people will always be people lah, ah ya lah low ballers lah all these things ah then


ah cash on delivery some people ah ah sometimes they think is call of duty, ah then err, the other time I had coffee with uh not coffee lah I had uh tea with <P2>ariff</P2> ah uh this place near uh #simpang bedok# there


ah this place near no no no not #simpang bedok# Bedok corner ah, the coffee was quite okay but then the the problem is all the cakes that that <P2>ariff</P2> ordered ah, !wah!


not say tasteless lah all all of it is flour all the Kuihs are all just flour no flavouring just flour , #ondeh ondeh# all these things just bite eat and then there there the #gula melaka# was just only little bit inside just little bit little bit inside only


ah small portion of fillings horrible lah that place, , ah (uh huh)


, okay how small is small, ah ah ah


that one also uh what do you call it short short changing ah , , uh glutinous rice might as well buy glutinous rice make your own uh rice uh rice #bak chang# ah


ya I mean like they still have it ah but then they experimenting with flavours ah, uh, you that one you bought I didn't I don't know lah that one you bought what you didn't buy with me ah


uh you didn't get to eat it what ah black pepper black pepper, black pepper ah , ya there there were black pepper I think is purely black pepper lah black pepper chicken I think


ah correct black pepper with salted egg, not #bak chang# ah


ah can also what that one err, uh no it's the cute kid kid one kid ah kid one ah then they, you you remember the street forty plus there's this uh there's this uh, uh mister Prata or not ya you know


donkey years ago I went there with uh my friends ah, I went there with my friend ya <P2>farhan</P2> <P2>farhan</P2> and uh <P2>farhan</P2> and <P2>lokman</P2> I think bare bare, well we had a jolly long time waiting for some Prata to come out almost one and a half hours ah


ya Prata was I think yesterday's Prata reheated ah !wah! that one ah really long,


saffron super mario is it super mario ya


, super mario <P2>perez</P2> that's one quite quite okay I mean like quite quite quite very long time ago ah


I think he he he he level up already he eat the mushroom level up already, ah bowser bowser bowser, !aiya! then sometimes you know these insurance agents ah very bad sometimes I don't like them because very bad attitude lah


ya they hard sell so much and then they try to actually uh push you to do things that, you don't want to do you know sometimes and then ya lah especially if you have friends ah suddenly long time never never you never hear from them ah suddenly they call you ah might as well don't pick up ah


ah correct, uh uh


uh , but it's it's actually quite quite bad that they do that ah no sometimes they, they try to upsell on the spot also you know sometimes where at the at the crossings there they try to upsell on the spot ah


ah they sell try to upsell and then some old people sometimes they get they get caught with it ah they try to, you know


ah, ya that's why so sometimes a bit you know, a bit cruel lah actually to me


ah, okay lah that's horrible lah but then


depends lah I mean like a person cannot be that that uh that gullible or that naive or that stupid to do such things what, uh


, ya lah maybe lah ha we also don't know lah we I mean uh ya maybe dealing with uh certain unknowns ah


ya, then that time I was I was actually thinking to buy a, err what do you call this the laser printer lah, laser printer laser printer


laser engraving printer ah portable one, ali express or lazada but I see the reviews ah is quite bad ah


they provide softwares but the issue is the the the the sometimes the product itself come ah without any like, proper uh, proper shields lah you know laser is laser what they it can cut what, ah


ah sometimes they don't come with safety features and all this thing so I think uh six hundred plus lah, and then three D three D printer you cannot engrave mah, CNC machine ah CNC machine is small one


, oh okay okay okay


oh okay okay okay,


ya lah just ask for refund lah and then throw it lah, make make my own also can see I try, eh the the uh you know the voucher for the CDC vouchers right


ah the two dollar vouchers right at the CK cannot use right if I'm not wrong CK uh cosmetics, cannot right, a lot of people want to go CK and use you know but they don't allow it uh I think they should change their policy ah for this ah I mean like a lot of I see a lot of this uh you know from the


uh feedback and then from the uh not well-off to do ah they need they need, the the, vouchers to actually want buy toiletries ah so they ya they end up they cannot buy it ah so problematic ah


CDC ah yes correct


but this they they should participate [lah] you know all these things is, [ah]


oh ya ya ya oh ah CB ah, good ah okay what no problem so far ah ah only the motherboard broke down ah after one month so ya lah but the the the service was good ah for my friends lah


, oh three zero nine zero is it, , , X,


two thousand three hundred ah your insurance come out then you buy for me can, ya two thousand nine hundred, ya


no lah that one is I think is the uh, three zero eight zero lah three T ah not not three zero nine zero three three zero nine zero came with twenty-four GB of, ah DDR five RAM ah eh DDR six oh ah ah DDR six ya


DDR six yes, DDR four four nice is four ah eh <P2>fuad</P2> you ah, you remember that time we ate the uh at the jollibee not


ah, no jollibee jollibee not jolly bean ah jollibee ah


ah ah chicken chicken damn nice right, ya lah but the chicken damn nice right that time we we bought right, and then there's a difference right between between between KFC and uh okay we we we just give a give a rough rough estimate of the places we always eat ah it's uh KFC arnold's and uh jollibee so jollibee jollibee is nicest right that one


ah tenderfresh ah , (uh huh), okay cause why ah ah depends on which arnold lah


ah wasn't that good ah the one uh, city square the original one lah OG ah ah the OG one is almost of course better lah I think the recipe the the whatever you know


I think it's the the the the cooking utensils they they use ah for the past twenty over years ah is still there, ah without washing it ah I think so all the flavours are all stuck there already, , quality right jollibee ah power ah ah ah yes cheaper uh I mean like one meal of uh ya one meal is about ten lah can say lah ten


roughly lah ah, oh ya it the the chicken is lighter ah, not too greasy ah ah not too greasy ah and then the ah


ah yes the burger taste like real meat what, ah ah


hershey pie oh ten dollars is it, ten dollars right the full meal with ten ah that one right with ten dollars right but I don't really like burger king that much ah the the the the food the food on offer okay lah but if you ask me to buy uh you buy ask me to buy ya lah if you ask me to buy really a la carte ah or or per meal right I I prefer going somewhere else lah


no lah I prefer going KFC or something like that lah cause burger king and all, you see is all fake it it you you don't see the real meat you know KFC you see real chicken inside, ah that's the thing with me and and and and real food lah


ah, ah correct correct correct correct ah and then


oh chicken patty ah addicted ah <P2>chee kam</P2> say addicted already addicted already then then the uh what you call it the time that we ate at the, err Rasa Sayang village you know the pizza was okay right


ah ah I mean I I they can do better lah but then you ya lah you can't expect something like that I mean like the service is good everything is good you can't expect uh you know you can't expect them uh, ya ya lah only only only


only pain only pain was that they they ask about the fries right , ah ah ah


ah ah, ah ah


ah, okay


ya lah okay lah not so bad lah okay lah ah #enak enak#, Enak eh we should we should go try eat the Damansara KL #pan mee# lah that one is quite good also


no lah until evening what nine PM what, ah, err when they go back KL ah and then the what you call it


that one is quite okay you know I mean like the the serving is big especially if you try the #lor mee# ah the chinese #lor mee# that one is quite quite okay the serving is big and then everything is okay also not too too bad ah pricing pricing is five to seven dollars lah depends ah


indian ah maybe ah maybe one one of these days ah, ah maybe ah suki is good what ah okay lah okay wait very full lah


leisure and entertainment lah what what what what last you did ah for that one I think eh epic games giving out very good uh deals ah nowadays ah, uh


epic games ah last thursday if I'm not wrong was the, uh railway empire and watchdog ah if I'm not wrong eh not railway empire ah watchdog I think uh rocket league rocket league rocket league you you we played rocket league already what !alamak! that one good you know the game


DOTA DOTA will ah rocket rocket league ah you play until crazy ah I tell you but it's very nice game ah see, this week haven't yet ah today today is sunday what today or sunday what ah so haven't yet lah haven't come out lah ah education


ah ah ah ah


when is it, of of course lah #swee heng# is budget budget people budget budget food for budget people lah, ah


use use equal ah, oh, okay lah eh ah you you still buy daily necessities, at the that one ah at the Suzyameer ah


you you tried ordering online or not the time I ordered redmart not not bad I ordered EM mart also not bad, ah sometimes old people like that ah but then ya lah its a dog eat dog eat dog world what it's a choose choose or be chosen


cheaper than others ah, ah lah deliver to your doorstep the service also good err time then that time also I bought I bought a new oven what for my family


uh from lazada lah Cornell oven ya very very fast delivery also I ordered on saturday or sunday that thing came on uh wednesday on the dot ten uh ah slightly bigger than toaster oven lah,


ah correct correct can wash one ah ah slightly bigger than, correct correct correct that one is good ah quite okay not so bad Cornell Cornell Cornell Cornell ya Cornell is a very good brand ah okay ya good friend ah good brand ah


eh they uh you know you know the the the crave, no no the craze craze the one that we ate at the uh two zero one right


craze the one the the, ah italian cuisine ah that one that one that was quite nice ah I like I like I like the ambience of the place ah, the service and the quality of the food also quite okay right


ya of course lah I'm I'm a big big guy always getting sweaty the serving is big right ah then the the , presentation of the dish also is quite okay the the the the the what you call it


the, ya the serving the taste is also quite okay you you tried their ice cream before or not, no no no the ice cream the ice cream in the crave


right you you you should try the desserts you know the that time when I went with uh <P2>dave</P2> ah quite nice you know the desserts I I bought the rocky road ah, no lah what I think that one was last two months ah I went there ah with <P2>ariff</P2> and then the ah I bought the crave ah


that one okay lah the the the rocky road from crave also was quite okay the chocolate origin no need to say ah that one really nice ah, chocolate gelato ah dark chocolate gelato six dollars six fifty ah for two scoops ah


ah I took two scoops ah, that's why I can share with you what is quite a lot what, ah the cone was expensive ah I think the cone I think the cone cone is just extra extra sauce only on top


ah waffle cone ya ya ya correct correct correct correct maybe maybe they handmade ah, !huh! the #joo chiat# complex ah tomorrow ah err


okay lah eh the other time I got !huh! next weekend can lah on the other time you you told me uh, you know the what do you call it the time you've problem with uh singtel right with the or was it you ah ah internet or something was it you or <P2>ariff</P2> ah


ya oh ya ya oh okay okay but what you not you lah


ya my republic since cheap and good what my republic is one of the best telcos ah one of the best telcos ah, and then uh no you know, ya lah I used to sell it what (uh huh) and then the you know the other time I bought I bought a I bought the Kendama that one


I I showed you right ah the yesterday or what it I received it yesterday or something no I've been playing with it non-stop you know its quite good quality you know for for nine ninety ah, for ten dollars ah it's actually quite good quality you know full wooden Kendama ya full wooden Kendama it's actually quite okay eh


not too too bad ah no no is is for me he wants the spike ah, not not yet I'm still trying to spoon all the balls


ya trying to spoon all but it's quite quite good quality ah just need to maybe just need to treat treat the wood a little bit better only ah just like like ya lacquer or just ah natural wood oil lah just to uh natural wood oil to to


cover it up a little bit but I think is waste money lah you know buy natural wood oil is already what thirteen dollars that thing new Kendama is ten dollars might as well just buy new Kendama right, ah ah some wood lacquer ah


uh and you can on lacquer, ya lah lacquer lacquer lacquer is lacquering I I want to preserve the wood, ah so need some wood varnish ah so ya lah ya lah that's why then uh few one dip ah one dip


test ah test , okay and then the uh what do you call it they uh, no I'm I'm actually I'm actually quite uh amazed at the service that


nowadays uh alibaba eh ali express and the lazada giving out ah ah not not ten ten the any service after the COVID period ah ah okay don't talk about !huh!, don't talk about uh united states or britain or whatever lah let's talk about china japan they actually bring their mails quite faster you know


ya more efficient no not more efficient than singapore more efficient to send in products from overseas to our doorstep very fast ah,


maybe lah but I don't know but but it's very efficient lah very nice also to receive, ya ya


ya lah but during that time also was china in lockdown or not, lockdown ya oh okay third year already ah I also don't know


ah, okay too too bad lah okay lah the the that time that uh, you know err the other day I bought a chocolate brownie ah from prima deli eh damn nice you know six dollars ah not so bad you know


prima deli two zero one there the one on on top there there beside the uh one supermarket, it's uh okay if you put it if you take it out own from the fridge before eating it right it's very very very very fudgy


no you need to take it out from the fridge and then put it on the table top for a while lah ah wait for it to thaw, yes if you if you eat it straight from the fridge it it it it taste like a chocolate bar


bout knee big ah ah, kopi and tarts Kuih and tarts I know know, ah square


singpost centre ah singapore factory, ah okay okay ah, ah ah


looks promising ah okay singpost quite okay lah one bus only what twenty-eight, take train faster take train only waste time already sia double double double, double double uh travelling already


ya lah they put out new trains but then no not not really uh, not really uh very fast what I mean like the journey's still the same what we need to take two two transport what one to interchange and then one to that area


ah might as well take twenty-eight straight can sit down relax enjoy the enjoy the ambience, not so lah quite okay ah, ah


part one finance, part part one finance do you have a personal insurance


do you have a personal I don't, hello can you hear me hello can you hear me yup, err beside the great eastern, from CPF other than that nah uh uh cause


my future plan is not staying here, ya, but I'm probably not now probably when when I when I when I get married or something like that, some sort uh great eastern insurance ah CPF kind of insurance


but do do you do you have do you have personal insurance or you have a err investment insurance, uh company's share is your is your is your small business right


then about about about your uh investment insurance what kind of insurance is that


oh so that investment insurance is for your company, [orh] okay, some sort like portfolio thing yea


I know there's there's too much going on so it's like uh, there there's too too too much to to look through, uh, ya that's what I'm trying to find


dude, nah not anytime soon yet ah, probably probably once I get married lah, I I, I don't even know what's endowment plan


oh it's another form of trust fund is it, uh but that that's can be done that can be done by personal savings ya side side personal savings, (errr)


what what what kind of uh provider usually uh provide endowment plan, oh I used to have a AIA insurance, a life like not life insurance uh uh insurance that that give out when you reach the age of thirty-five I think


then they give out about fifteen thousand but I don't know whether I cancel the insurance or not, cause the the return is not bad, lucrative ah no no the insurance is already, uh cancelled so the you cannot but there won't be anything


, income income insurance in uh no no percentage of your income do you spend on insurance ah what how what's percentage of income do you spend on insurance


cause I I I still believe on


having a large percentage of your income savings, in your bank cause cash is king ya, so ya I think if if I were if I were to to purchase a income insurance probably like I'll just spend like ten percent of my income or lesser five percent


because I do have friends who spend a lot on insurance eh they they don't have any savings you know like not even a hundred a month, ya but but like what I'm saying that, like just now I said cash is king right what if you need the money now


uh, ya what what what what if you need that money now, ya correct, that that's why you need to get a get a good, insurance agent not those, type who just oh that <P2>zachary</P2> guy is it kay ah


under that that <P2>zachary</P2> how many plans do you have, health, uh company, investment ah basic insurance


CPF insurance I don't think it's even the CPF coverage is not enough eh, ya, no but but but health insurance health insurance is is what you call it is a necessity I mean like to


for your personal well-being like I have I have uh personally met someone who need to spend over sixty thousand dollars for hospital bills imagine not having an insurance,


should be enough right , ya should should should should be should be enough to provide us with a a, not mediocre I mean like a


ya, ya but health insurance is a necessity now ah it's not it's not a luxury ah, other other insurance like the the investment insurance that one considered luxury but health insurance is a essential kind of, plan that you need to have


what what's that is that medishield, that's insurance right, ya but I haven't read up through the coverage but I I don't think it's enough


ya , no lah like like our parents, our our, our parents cannot cannot even apply for insurance anymore already,


not really lah to certains to a certain extent because my my dad take for instance my dad one of the medicine it can't be covered by CPF, which cost about four hundred a month, so that that's like what uh five K a year


which is which okay to certain type of people but, to a middle income like us, like, it's quite it's quite stringing ah ya, you have


but but health insurance to me is the the most necessary kind of insurance ah, ah no pretty one have pretty cause


the only health insurance I had when I was in when I was study studying in australia that's it, but right that that was compulsory, a full full coverage , but that one is good full coverage it's cheap seventy I think about seventy-five a month


seventy-five ah ah, ya per month ah, full, full full coverage ah ah means, means like medicine uh hospitalisation GP, ya


ah any kind of uh, what do you call it, any kind of err medical checkups and stuff, ah talk there there's no loophole lah I mean that that any anytime you you're you're injured or cause my friend one of my


one of my classmate got uh appendix removed, , singaporean guy got appendix removed during during our studies, , and it was free because of the insurance,


do you do you have insurance for your property, okay your your mum property your mum property, health insurance is it four little babies you okay


nah we uh we we just engaged only one coming in like a week or so, uh I'm not sure about that also because that one my sister handle too many cook spoil the broth ah , so I just let let let them handle it


let my Mak ah #mak busu# ah #mak busu# handle it , travelling commercial uh we don't have uh commercial don't have any insurance


my boss does ah , no not really, uh, that one is uh I I I know people asked to take insurance that but that is my personal religious view, so I'm not going to state there ah


we can discuss it outside of this conversation but but not now, ah, but it's cheap what it's twenty dollars right if, not wrong the


if I'm not wrong if without the without the insurance right if let's say you lose a bag, but, caused by the airline not your not your mistake I mean caused by the airline, you get about uh get a compensation I think about around hundred dollars hundred to two hundred dollars, that's why you need ya


that's why you need to have a cloud insurance, but right now everything is on cloud so should be alright lah


okay going back to the CPF insurance right do you understand the clause ah of the CPF insurance


cause, there's a lot on it dependent protection scheme medishield life I think medishield life right the one I ask you recently, uh


what can can can can we cancel it, no so let's say if if okay let's say if somehow I move I migrate to another country right, so they will deplete my CPF just for the medi medishield life or


ya lah but but if you want that let's say I'm not working in in singapore let's say I migrate then whatever left in my CPF will be used to deduct that medishield life lah,


should have a should have a discussion with them cause they like to they like to come and talk to us about CPF ah,


no they have explain they have explanation for everything but it's just that you you don't understand I don't understand


elder people lah


medicare, medicare medicare, nah, medicare usually like even in not not america america america uh


it, welfare policy is quite bad uh same as us I think, similar to us, canada canada UK


in uh new Zealand australia lah, in in singapore probably ah cause, uh probably is just fire and theft ah they have fire and theft right


but that that that that's the main thing what for housing insurance fire and theft right you just afraid that your house get burn down and, and, and someone broke into your house break into your house


eh ah eh ah he he explained to me before I asked him I but his his damage is not that, extensive it quite quite quite small portion except for the uh cooker what do you call it


cooker hood and the stove and the door, smokes smoke uh break down break down his lock and the walls are smoke damaged ah, but it's just smoke damage they paint it back ah so it should be alright should be alright


no the the prawn the prawn sambal eh no sambal gone the prawn still okay, eh no I think the the firefighter told me that all of it is uh is is all charcoaled, charred ya by the fire, but uh #hari raya#


#hari raya# last year, mister <P2>szeto</P2> collect eh eh eh no ah mister <P2>szeto</P2> called


in general probably health first ah health like like I said just now health first ah, health


eh one of it is hospitalisation, then uh major illnesses and like or accidents and stuff, like like those major major life threatening, err conditions uh


that that that you know that would cost you like, a hole in your pocket once you if you pay through uh with cash you know, and the and health insurance does help you with the waiting list, like it cut it give you uh,


a free pass to cut queue, instead, ya ya but uh because this you can straight away take for uh A class A, A class ah A class ya you can go you can go for A class because covered by the insurance


so the hospital will just push you in first because if you go through normal, you tend to go for B class right, ya subsidised C or if you are lucky there's no there's no not not enough bed on in C class they will push you to B two


so uh if you if you got insurance insurance insurance will just ask you to take A class straight because you will be paying the same premium, that's what my sister told me ah, and you can even go private private private hospital which sadly you have better services because of because you paid you paid more lah


that's, oh and eh no savings I rather do uh cash savings and uh personal trust fund for my children if I have one


I do I do I do like investment though shares investment but not insurance, ah, ya ya I mean I mean if my my portfolio too big I require I require a investment insurance in case someone swindle me right


ya but, term insurance what's term insurance uh means like renew every term is it


then it it the the name says it all what, might as well you just get a whole life right, , ya but term term insurance is like as though you you know when something going to happen you know like what if what if the terms the term ends


then you hit with a tragedy


negative experience, hello ya


oh break break bread works bread works, err uh the the chocolate ball that taste like chalk, and it's expensive, oh I think was two two fifty eh


ya but doesn't taste good ah, ah the #ondeh ondeh# cake also doesn't taste good


it taste it taste like err it suppose to like sponge but end up tasting tasting like real sponge, , ya I think cardboard better there's texture to cardboard ah, two zero one #warong kim# when was this ah selling selling what


uh Rasa twenty one ah, before the Rasa twenty one is what Yasalam ah, ah uh


ah no no uh uh when was this was this like two thousand fifteen or what no that, never, that's oh ya ya yes they they do they they serve like uh we went we ate there before like actually we ate there quite a number of time but doesn't wasn't that good


the corner shop ah is it, warong ko that that's the same warong kim


because the Tampines hub hawker centre there's only a few halal, last time was okay lah


what the err the taste ah or it's too oily, when did you eat it last time


when when Tampines hub just opened is it, #warong kim#, I remember that we uh uh because like me


after after after we celebrate <P2>alifi</P2>'s birthday, then we meet you at the, because it was fasting month right, okay, they that that shop used to be a


uh pet shop ah pet shop [kan], bigger than the one beside aaron, eh eh smaller ah what's the shop beside aaron aaron kwok KNK okay


oh ya ya bigger bigger, I never buy stuff from that's that that I


uh upsell in err ethically or, unethically , example (uh huh) okay !wah!


should have should have should have tell the auntie, tortoises can live is a in a swamp, I


I left I I released my my terrapin in Apa what do you call it err #maccritchie reservoir# so probably they they don't need any any kind of water treatment for the, they can uh they can [kan]


you can leave their water without cleaning it for a few few they will still be alive,


yakult bottle how how small baby terrapin is it, that that torturing eh like that, you need to call PETA for it where


the the fake fake is it


there's uh the the centre part right because the last I remember the one the the damage product you get was the err screen screen cover, you know the magnetic uh phone case, ya


but that one you you get the money back or not, but that that's that that that particular product you get you receive right, is that as though someone took it out, put it on the on the on the on the road on the tar


move it back and forth few times, pack it back and give it to you because that's that's not that's not damaged while while on delivery you know that's like, manmade damage ah really ah, because my colleague uh I saw my colleague were using it


quite uh okay perfect, I, maybe he buy the no he said online lah at lazada the china one five five dollars, eh no uh five dollars five dollars he say, probably ah how long was the wait


if you remember your yoyo when you bought uh that came was was it one month or two months later, uh the one you bought from india is it, no that's what one uh can't remember when


but you waited for so long, , ah then that do you remember then you you thought it was the it was the postman and then you you tried ordering something send it to my house, but end up is is the seller fault


well that's that's one thing you buying online lah you you you have no control on it you know, you you put, ya majority of it is good lah I mean like just because sometimes when you are, you're


who sells table but when you when you when you get it, when you receive it is just a barbie doll size table , no usually ebay doesn't ah, uh like people will just send a stupid random stuff


because I think ebay ebay return policy not that great, ya people people ya


just like carousell lah you see ah how how how how many low ballers are there in carousell, then some people don't understand COD, cash on delivery ah eh whereabout #simpang bedok# there's a coffee shop Melur corner !huh! tasteless is it what what kind of Kuih


oh you talking about a small portion of err what do you call it filings right, my my mum bought, my my mum bought err Kway-Zhap, at eh #toko warisan#, two fifty


one one small piece of beef Rendang inside, that's it , the the the whole thing is uh it's like, smaller is like slightly smaller than the one you buy online from your friend right but the filings only one small piece of rendang is like twenty cents coin size


two fifty you know you're paying, you are paying two fifty just for the glutinous rice , uh that's why


oh yes I should ask whether your your friend still doing it or not, uh the the time we bought was what ah because I didn't get to eat mine


no the one we I buy uh uh I, we bought together from your friend, ya what what what's it ah black pepper is it, with mushroom Ada mushroom ah was there mushroom


I know that I know there's salted egg ah, I need to get some good good #bak chang# ah,


or you can go get the one at err, err seven eleven kid Nyonya


I don't know but you told me before the the the owner is the one that is convenient shop at block two nine eight right, <P2>farhan</P2> lah, oh okay


the the the prata wasn't good also right, you know, what what's the bad the most worst service we get or not last time, saffron


super mario yup, they he he he made you wait to for you to sit down, then he come to you without any paper and pen take your order , and give you the wrong order


super mario , , okay lah that I don't know what happen to him now lah but, his his service was bad lah


, he become a browser already , bowser,


they like to push so hard already they hard sell so much you know, ya


they call you then they ask for coffee isn't it ah, like I told you before before I start working that nobody replied me on linkedin, then suddenly as after I start working this this this bunch of piranhas, start replying me


I tell you I wishing me happy birthday asking me out for coffee, like I don't even know you brother


put it uh that during they the the bazaar period ah, that, no the old people I think they're either they are scared of uh of


of rejecting or they have been enticed, by like the the lucrative uh returns that you will get by buying some policies and what not, which is which is very bad lah I mean like is unethical lah


like like I told you just now like some of one of my friends don't even have savings because the the financial advisor or the insurance agent keep selling selling the person, what do you call it uh premiums then end up every month he


he the person will be like that person will only, won't even have about hundred two hundred dollars of savings, that gullible ah


no but some people some people just just too gullible on money money making scheme like they they people like imagine imagine like you say you are you are you afraid of your future right then suddenly someone, come someone reputable, come all come


come to you and just start throwing numbers towards you you you said you tend to get a bit a bit, scared of it what , they they play with the fear ah, yup three D printer


laser printer what for what kind of laser printer the ink laser printer, oh the portable one, where ali from ali express


they they provide softwares or not


ya but uh didn't uh the safety features need to be high-end lah, how much was it, might as well you get a three D printer,


CNC machine lah the small one, ah, actually actually you get if you want to engrave with the no it's just lasers you know I mean like okay lasers does intricate designs, but you can get a cheaper one probably using a drill bit type of err machine


but, like that but that that kind that that it limitise the, the the the type of design you can do lah I mean, like laser really do like those small small intricate design ah like it give that precision touch to it


but, but you can check on drill bits ah but laser not worth it ah but for portable six hundred dollars , err maintenance, what do you call it warranty probably probably you won't have warranty


or you have, from ali express then you need to ship it back to china


who who give who give give out this uh voucher, but but it's the vendors that that choose to whether to include it right, oh then should should, no because even even the Mamak shop


participate [ah], cause I saw someone paying, even SAFRA participate


part two positive experience, you you just purchased a what do you call it uh uh PC right last month eh no


CB CB time how was it was it good


eh have you have you seen the the new the new, uh graphic card ah, three zero nine zero ya S eh you is it S or three zero nine zero, X ah so you got it did you get


singapore two thousand three hundred, oh they really jack jack up the price ah, that that's like cause uh I think the last time I check in america was like seven hundred plus you know, three eighty is it


oh okay okay okay DR DR DDR five ah, oh DDR six ah, eh I thought RAM is DDR five, oh the graphic card is DDR six, but memory stick memory stick is DDR five DDR four


ya, but still yes, the the one at Simei, arman arman arman beancurd is it oh


jollibee is it jollibee the the one at it's uh singapore post eh no uh Changi city point ya, the #nasi lemak# you should try the #nasi lemak#, ya better than KFC ah okay


ah okay KFC arnold's, jollibee tenderfresh tenderfresh is the last one, arnold's second, eh no no actually arnold and jollibee, quite uh tight fight close fight ah


but depends on which arnold, because uh my my my company ordered arnold in, err Hougang wasn't that good , the one the one in city square I think better


ah the original one, the ah without without washing it ah


uh, ah but jollibee quality and value for money ya, ah, and and quite cheap also considered uh how much is it, cheaper than KFC


and uh on the healthy kind of side is like is a bit lighter than KFC ah, ah the batter and the chicken itself, not too greasy and, and quoting you you say the the burger taste like real real patty ah


, oh and K uh KFC ah burger king is having another deal, , quite cheap deal uh double mushroom double swiss mushroom, uh with the hershey pie


ya ten dollars ya ya on offer lah I mean like, but ten dollars is not really an offer ah


mcdonald's ah ya


like like my my what do you call it, for the mcspicy treat right, I I can get the one at suzy cheaper, , Suzyameer even even my dad was like, uh my mum my mum told my dad my my mum told me is like oh your dad ask me ask you to buy the chicken patty


, addicted ah addicted already addicted to junk food


pizza was okay lah but the burger, , err the the the the dough itself they can do better I think, the but the for the price for the price is


the the service is tip top lah I mean like, it's the service timing and delivery of the food right, oh uh yesterday we went me and <P2>bob</P2> and my other friend


uh went to Rasa RSV, then uh <P2>bob</P2> ordered, uh milo godzilla, got milo godzilla or in the picture it it has whipped cream and a scoop of chocolate ice cream, but it then when they they when they serve him the milo godzilla it has two ice cream one chocolate one vanilla


and the, err the the the water is only filled up to like almost, three quarter or slightly uh higher than more than three quarter of the glass, , ah that that that part of the service is bad


but but other than that right, it's worth it ah we even cause is even for the the seafood or the chinese cuisine right quite nice what, but #enak enak# ah but better that ya I think


but yes only open in the morning ah, no uh every friday every friday last friday last time friday I went to, went to, #simpang bedok# at nine closed already, probably ah the price range also right


and the oh uh we should go noodle noodle want to go noodle ah, kitchen noodle but noodle soupy ah, no I don't really like soupy food I prefer dry food


eh last thursday last day we we what what what game did they give out, watchdog eh no


the the the rocket league, no no I haven't haven't haven't install, still playing DOTA ah err


this this week have have yet have yet to come out right the free game, not not ya so we we next thursday ah, just only ah oh I I went back to


my office on thursday , then they give uh one of the consultant gave us a uh set of mooncakes, from uh fullerton I think tip top better than #swee heng#


double double yolk, lotus and, uh, sweet but not so sweet, it's worth it lah but ya but I only had only had only had a quarter of it because finishing already


Suzyameer ah I did ah redmart ah but uh my mum very fickle lah ya ah


but uh certain stock at suzy quite cheap, ah compared uh the the only the only the one good thing about redmart is that they it's delivered to your doorstep lah, from redmart lazada is it that kind of toaster oven


ah what do you call it uh conventional oven is it, mixed conventional oven ah I think if uh you can you can put a whole chicken in right, should get that one also


what which brand which brand was it, Cornell oh Cornell is a good brand uh Cornell is a good brand good brand brand a good brand is a good friend #nasi ayam# #nasi lemak#


uh the the one uh near the barber is it, ya the italian italian the italians food shop, yup, ya it got the restaurant Restaurantish kind


of ambiance uh, eh I know you what why why you like it because it's air-conditioned uh, and, and the serving is big the serving is good, for the price


I think uh ya ya I think they they trying to achieve the Atas kind of, uh feeling ah, the what the origin ah


no lah that never get their desserts only had their pastas, oh, on thursday is it the one you ask me whether I finish work or not


[orh], no the best dessert is origin, uh


because blood dark chocolate, how much was it four fifty ah, but you you you took one scoop for four fifty right, oh two scoops actually six fifty not not bad actually


cheaper than the uh, uh cone soft serve and and the waffle cone ah, it's a waffle cone it's not it's not a


but I I want to try the cake no I want to try the cake in #joo chiat# complex, uh the bachelor brother, no tomorrow working ah got project weekend ah weekend weekend next weekend what the internet uh <P2>ariff</P2> M one


because of the downtime and stuff but I I I told you probably is the the router ah, but, ya but I M one ah singtel singtel no lah I haven't been using singtel for a while, I been using my republic cheap and good


and and fast, ya, ya you to you to you to you used to push for it what ,


ya recently right, full wooden ah full wood ah


are you giving it to <P2>ah kiat</P2> or you playing for yourself, can can can you can you throw the ball and make it stuck in the in the in the pole thing, ya the spike


what throwing it and catching on the spoon ah, train, ah you just just get a lacquer and lacquer it up ah, ah natural wood oil no you


you go to the construction worker outside your house or near my house that they they are painting the block, you you ask whether they have some some materials, , some wood lacquer or some any kind of lacquer ah, , no actually if you want you can just get a spray paint but uh uh lacquer spray paint that's cheap


oh wood varnish expensive eh, or you go to shop ah just just ask them for a few dips ah, can can I just one dip I want to


paint my my Kendama then I'm okay with it, telco eh


the ten ten is it, ten ten ya haven't haven't, don't talk about the promotions ah, ah


what more efficient than singapore, oh, means they they are they they are taking this advantage to monopolise on the


on the trades ah, ya but during the CB also during the CB I I did ordered uh phone for my parents what from china it came like in three days, during our circuit breaker uh circuit breaker period ah


while lockdown ah they were not lockdown what, they they were they were locked down the same timing I think probably around uh malaysia, or earlier slightly earlier, ya japan was locked down then they open up


cakey or fudgy, but if once you unfreeze it, okay


then it'll then it'll become fudgy, six dollars uh how big is it, oh no not bad cause I was looking at this uh kopi and tarts or Kuih and tarts ah


uh uh the one in uh #joo chiat# complex eh not #joo chiat# complex uh #paya lebar# , uh the #paya lebar# post ah singpost ah singpost factory there, ah they have this uh, eh no singpost factory singpost area lah


ah, got uh one of the shop Kuih kopi and tarts I think they have they have uh brownies uh different different type of only walnut brownies then they have different different type of tarts it looks promising eh, but singpost's quite far ah


train lah take train faster, train they they they they they putting up a new trains what now the uh the fourth gen train ah


uh might as well take uh twenty-eight straight ah


but it's quite a long walk ah, from the bus stop, twenty-eight twenty-eight twenty-eight stop at coffeeshop shop uh hawker shop hawker centre right


ya then you need to cross all the way to #tanjong katong# complex


part one finance, okay


I follow the fifty thirty twenty rule so I spend fifty on my necessities, thirty is I save that and then about twenty percent is like investments I guess yeah you


(mmhmm) okay


yeah okay, so what if you like want to go like overseas or like stuff I mean so like what would you do if you are planning to spend so much money


ya what would you recommend I do, okay


okay I, (mmhmm) okay


okay ya I, but do you think I should get like a financial planner if I want to like spend a lot of money like at such cost like because I'm not really sure how to do it


it doesn't matter , , (mmhmm) (mmhmm)


yeah (uh huh)


I mean you seem to know enough so I guess if you think it's like an additional cost for you to get a financial planner then ya but if, you mean if you have enough knowledge and like guidance with like people who are experienced already, it's not really worth the money I guess


ya ya, exactly ya


(uh huh), yeah okay how do you spend your money


like how much do you allocate to like certain things


(mmhmm), (mmhmm) (mmhmm)


, (mmhmm)


do you think spending that much on like transport is justified, no


(uh huh), ya public transport is yeah, it is very convenient also, so, (mmhmm)


yeah, yeah, what do you think you spend like too much on


(mmhmm), (mmhmm) ya same I have the same problem, yeah yeah, , (mmhmm)


ya I agree ya, (mmhmm), I would say, clothes most of the time because I like to like I'm an impulse buyer so if I see things online I'll start buying it it's really hard cause I don't like shop retail so I spend a lot of money online cause I can get many things at one time


cause, ya I'm kind I'm like really lazy to like go and shop retail and try on clothes, might be the joy of shopping retail but ya so I guess I could cut down on that but I've tried hasn't worked out so that's where most of my money goes


(uh huh),


(uh huh), so you want me to set a limit, ah okay


(mmhmm), yeah it doesn't work out ya alright, yeah (mmhmm), (mmhmm) (mmhmm)


, a credit card ah well for me no because I will definitely spend beyond my means and I know the way I shop so I will definitely get credit card debt


cause I have no like right now I mean I don't like have a stable income so I'm not gonna be I'm not going to know how much money I'm going to make at the end of the month so I'm not going to be I will hundred percent be in credit card debt


a stable income, yeah yeah (mmhmm)


(uh huh) yeah, would you get a credit card (mmhmm)


(mmhmm), okay, how much of your income is allocated to savings


oh (mmhmm) (mmhmm)


does that work out every month or does it vary


(mmhmm) okay


I try to save as much as I can however, it has not it has worked only once but I usually I definitely save sufficient amount of money to get by like just as long as but I'm save it more for in case of emergencies not really to have like big savings ya


ya because I don't really know what I'm saving for cause there's no way I can save that much right now, I don't really have to save also, (mmhmm)


(mmhmm) (mmhmm) (mmhmm), (mmhmm)


I mean same I have to pay for my own uni but I was more I was considering a student loan instead because I thought that I would pay I thought I would pay for it when I start my career instead of having before but I think the fact that you will like saving before kind of helps cause at least you have something fall back on


yeah, yeah, (mmhmm)


well when I have school nowadays I work like side jobs or I have online jobs and occasionally I'll like tutor kids and stuff to make that extra money but it's really not to for savings or like investments it's there's no like bigger picture it's just extra money for me to spend that's about it


do you like doing anything aside from national service, yeah (uh huh) (mmhmm)


(mmhmm)


(mmhmm), yeah, (mmhmm)


(mmhmm), yeah especially if you like if you start really young it can really benefit you, (uh huh) (mmhmm)


okay CPF already takes I wouldn't say it is useful to people who, are in, that don't earn that much especially if you're just starting your career I wouldn't like choose to opt for SRS because CPF takes a huge cut out


of it already and I think it's more applicable to people who, earn a lot more definitely, because then if you have this supplementary retirement scheme you're not going to have that enough money to spend on for yourself there's no way you are gonna be able to cover your needs, and just your your basic necessities


would you ya would you do that


(mmhmm) okay uh, what advice would you give someone in order to retire comfortably


(mmhmm) yeah yeah


yeah, (mmhmm) okay,


I mean I will definitely start investing because if I had started when I five years ago I would have made a lot more money than I have me today so , ya I guess and for every like talk I've attended about like forex trading they always say start now start now start now but the first time someone told me that I was like eleven so I didn't really think about it at all


but now I wish I definitely wish I did start then, (mmhmm), I would say you definitely have to plan ahead with your partner especially with like starting a family and all of that because when you are before marriage you are technically only


taking care of yourself whereas when you get married you paid for house together you buy like groceries everything has to be planned out before so you guys agree on everything first, and there's no misunderstandings


yeah yeah


nothing yeah, yeah I understand


when you're paying for like transport or food nowadays would you go cashless or do you use cash, (mmhmm)


a lot more because you don't see the physical money


part three negative experience okay, so <P2>ardi</P2> , okay alright


(mmhmm)


!wow!


(mmhmm), yeah, so when


when you like confided in them what did they say did they just say we're not going to do anything about it or did they at least try to help,


(mmhmm), (mmhmm)


yes, yeah


so they didn't take any responsibility, at all !wow!, (mmhmm), (mmhmm)


yeah (ppc)


okay,


I used to shop on Zaful a lot like last year then recently they especially because of COVID ya ya it's an online shop yeah yeah so, they , what happened was the clothes are good they're fine all this time and then like just recently I had I ordered like a few things at one time and I I ordered like a bunch of skirts and tops and firstly the the top is the wrong colour it was the wrong size and it was


of horrible quality the moment I put it I put it on just to like see how it fit and then the moment I took it off the sleeve just ripped off it was horrible and the thing is Zaful had never had, that I've never had the issues with Zaful, and the skirts I guess they they send me wrong skirts I don't know maybe they sent me the wrong person's order but it had my name on it and also the quality just really irritated me and so I went to email them