so the thing is I was really really caught off guard I I was I was really surprise and I was thinking I even spoke to the manager ah the guy who came to, to deliver I said are you are you sure are you I mean you really can do this, said ya at the end of the day you are paying money and at the end of the day I want you to order more from me and if you're not happy


we are not going to have make anymore sales, because today you might serve a food that you don't want to serve and you are not happy and then after that you'll be thinking about it it will be in your mind so can you imagine the mindset of the person who's actually delivering the food to the location and it actually is trying to make sure that the company does well


and the the restaurant does well and everybody has a positive uh, thing to say about them and and of course I I I mean I'm a on look I just looked at what they did and I was like and and and they brought in fact you see supposing the like the event was supposed to be at seven PM these people will setting up at six thirty they found out that that's not the order they wanted at six fifty at seven fifteen they had the new order


that's how fast they managed to do it and and he, they didn't even flinch they did not even, like uh not even for a moment like think that oh okay uh we have to


we have to, try and do something win out of the situation or whatever no they said okay this what you this is not what you wanted okay what is it you want then they understand and they do it this is what I think is this is the catering part of it, home delivery amazing okay home delivery they actually brought the staff and everything and you know sometimes we need condiments and everything for indian food lah so when they don't bring certain items and everything and then after that we are like looking eh where is this item missing what happened to this so when we actually call them


you won't believe it it's like they said do you want us to send the staff now or would you like us to give you whatever that you are that means they return back the money, and they said the food is free, cause they made a mistake


so if you look at the catering situation the mistake was made by the customer saying he ordered the wrong thing but they actually change it around for them because they wanted, to have a good and in this situation they said I'll give you the money, and also the next time you only come I'll give you fifty percent discount you just ah code they give you a certain code and then you go there and you get fifty percent off


so the thing is for catering are you not for during home delivery they delivered to the house they make sure that you had the proper food you will have everything down there and if something is missing, actually the condiments missing was two or three items at that


it's just, a small bit to the bigger thing so the bigger is already there it's just a small part of it but the smart for the small part they just refunded the whole money, and then after that, the biggest biggest thing is they actually give you fifty percent offer so when you go to the next the next time do you want to go to this place of course you want to go to this place so ya


and then err they they a again once again these guys are actually people who come and deliver the food and when the people come and the same guy who actually did not do he actually came back again this is this the biggest turn around ah after giving us fifty percent after refunding this guy who delivered come back


with the condiments and he says so sorry and he just gave it and then and we said oh okay okay that means you don't have to refund the money because you send us the stuff he said no no no it's okay err it's refund let it be a refund uh you just enjoy the food it's okay thank you it's on us so can you imagine is a delivery guy


the the people the people who work down there really really know what is customer service how to actually err make sure that you're happy and also at the end of the day you are like, you know you you you feel like you are in cloud nine I mean you get all these freebies or whatever I mean call me cheapskate lah but


all these freebies and everything and they they they like , always wanting you to be happy then I'm like okay fine then you go it to dine in so when you go to dine in ya, the price is not very cheap for the normal layman yes but not it's not the price but the service


they come they talk to you you want if you don't understand a food item eh can this be changed yes they will do it for you can this be done ya you see the thing is they don't flinch they don't get frustrated with you they don't get angry with you for them they are saving uh according to the guy who I spoke to he said


serving you is like I'm serving god so the basically he looks at everybody as very important people each it can be a kid it can be a old person it can be anybody, anybody can come in drip and drag and they still treat them like god so because what they're doing is serving food and that is why they have got this mindset that they must do a good job and in fact like you know


when they err when certain items are not to your liking anything they come and ask you do you like like he said no something is not right about this I expected something that's okay uh would you like something else, and they don't charge you for what you in fact you maybe you ate about quarter


they don't charge you for it they take it back and they give you, something that you want to eat so I'm like !wow! are you for real seriously I I can't help myself but to ask the question how is it possible that in this day and age a group of people actually want to serve serve serve and be happy serving


and the customers are obviously very happy being served, so the thing is it's a win win situation I think they've got a very good formula, and I think at the end of the day it's not about, just serving and walking away but serving with love dedication and also


making people happy everybody in fact after you eat the food the food is excellent, the service is excellent, the price might be may not be there but are you going to look at the price for all this that happens I don't think so I mean I didn't and I think this this is one wonderful beautiful experience and I think something that everybody should go and experience themselves


ya I guess one of the biggest thing is you need to thank these people and ya, a simple thank you uh good morning to them I think the smile says it all because most of the time they just wiping the table cleaning going people don't respect anything so just a simple thank you


investment strategy and and opinions


(mmhmm)


(hmm)


okay may I uh


offer my views on uh this uh err do you think investing or trading is similar to gambling uh the line between these these two trading and gambling is pretty much blurred


is is err pretty much blurred so we , we have got to see in the perspective of moderation, you need to know how what's the sort of plunge you can take because ah to presume that that pool uh has lots of water in it and then to take a plunge is like taking things for granted and magic will work for you because at the end of the day it could be an empty bowl without water and then you go crash landing


so one of those things that I would like to share uh which happen to be on on personally is out about twenty years ago, I was involved in a perishables onions and potatoes then there was news out in the local wholesale market that uh there's going to be an acute shortfall in a supply of onions


and immediately I took the advice of a few traders and uh board uh several uh about fifty sets of onions and uh within a week I made a tidy profit of more than eight hundred dollars


so I think this is actually pretty much baptism of fire when it comes to uh trying to wander off or trying to make play in what we either call, as trading or investment


if it is gambling I think a plenty of background check regarding who the investor is what the stocks are to regularly look at business news both regional and global is imperative, you must understand that uh we cannot take the plunge like big players do because pretty much we are still confined to our small little lawn and we can only do so much


so I have invested but my investors are modest investments so that ah I am not a huge risk taker I don't wish to take risk aware my losses ah I can't afford, to lose more than five percent of my principal and having said that I'm of the view that


you have to be safe rather than sorry because ah, we are not born economists and that's not our forte so we hardly well we perhaps only have scratched the surface of macro economics and with them and with so much of dependence on


err an investment portfolio of guru or financial advisor, we must take the plunge it's it's just that you can't avoid taking the plunge if you want to make that money but then again the risk factor is something you cannot discount and when you talk about risk factor


what sort of risk what sort of losses can you withstand ah, if you do have that in mind then I think you have a clear picture and next what you do is just keep painting on the picture, with light colours first rather than throwing or splashing paint onto a picture and then you don't even know where the outline is so should that happen then I think it's more like


trying to fly a plane with a faulty navigational tool you don't even know what you're getting into and eventually what happens is err, you find yourself in unwanted territory the losses could amount I've seen guys who have pumped too much money and they come back a week later to say that sorry I'm not in a good mood because I have lost heavily uh no less than twenty thousand dollars in a week


so a year savings just been lost like that and uh and therefore I'm not a huge risk taker and I don't feel good to call investment a gambling because it is something like


I want to play, a game of dice and I know, that there as much as there is a chance that I can win I can also lose and coming back to what's happening currently uh well uh thanks and no thanks to COVID nineteen thanks to COVID nineteen because ah as much as we want to talk about foreign investors


having the upper hand somehow, why is it that we never realise that a certain group of investors have been buying so much more, ah just like we have a regional low cost airline that is crying foul because it's government will not pay even a penny to rescue it from this current problem as against our own carriers here in singapore ah so uh


then again was it a gamble for another low cost carrier it certainly wasn't it was investment but no one ah for could could have foreseen a COVID nineteen pandemic striking uh the world market and uh sent


literally everything spiraling down, so the bottom line is I'm of the view that, if anything done in moderation, will not breached that line and cross the boundary and become gambling because gambling is an uh obsession and addiction because gambling is addiction but to just stop within that boundary of investment will will be within the scope of framework of obsession


uh that's my take so I'm just of the view that investment or trading is not similar to gambling because you still have control


, ya


, uh yes I fully agree uh that you have opined in such a way and I share that opinion uh coming back to how


would I recommend a student I will begin recommending him by making it very clear that beyond a certain scope you shouldn't allow yourself to dwell into uh


all investment which could prompt you to think of investment as gambling, and I will actually prepare any student like I have my own kid so I actually uh encourage her to watch world business news daily to see what's going up what's coming down what could come down and what could go up


uh what's being sold and what's uh left there uh hopefully to be sold, so these are aspects, I would like I will inculcate in a student so that that students must know that the greatest achievers are those who are the greatest risk takers but within that scope there will be some unfortunate uh great losers as well


but these great losers being great risk takers by nature, somehow do navigate their way out of, a very bad deal to come back with a strong rebound years later uh coming back to your point where you you don't put all your uh eggs in the same basket uh I would like to go back to the asian financial crisis in nineteen eighty five


uh the then finance minister uh, had this to reassure singaporeans and investors our currencies our foreign investments our currencies we don't invest all of them into one single currency like we don't pack everything to the greenback to the US dollar it's packed to


a whole basket of currencies so when one goes down another still comes up so we actually don't lose anything we have a fine ground but then again there were those who did say that when you do that neither do you gain anything


so then to which the finance minister then had this to say, I would rather, gain that marginal bit because we are able to foresee as a country's finance minister within the ministry we are able to see what could possibly go wrong and therefore we took the necessary steps to prevent


that , nothing untoward to the economy which will consequently affect the citizens uh and the investors on a very broad scope, we never want that to happen so what we have done is we have taken this approach


as far as currencies concern currencies are concerned but we do have, other investments we have our shipping arm we have our national flag carrier we have other industries which serve as the backbone with which we still know how to navigate out of uncharted territories if we ever find ourselves


in such an area, and so it is vital, to encourage students to learn to invest to see what risk taking it's it's part of learning how else can we uh prepare the next generation to be leaders and also uh become economists without whom uh the economy will become stagnated


and joblessness will eventually lead to lawlessness, uh be mindful of that, we must, take risk calculated risk be moderate and discover


a student must discover from within himself what sort of risk taker are you if at all you are and how good are you in reading the market because this is something like having to read what's going on almost every minute because market just keeps fluctuating it doesn't stay still


uh ya lah ya I've got a I I I I have something to say it it's not too much because thankfully ah I I have not been at the wrong end of the scale and uh


ah ah and therefore I'm one of those few fortunate ones may be I hope there are many more fortunate ones right so I'm going to actually start with consumer electronics and gadgets and usually the saying is let's end on a positive note but, ironically heading on what we call a negative note I think well I think probably this will qualify as the mother of all ironies ah okay uh uh my experience is I tried shopping online once


and when I actually tagged on the page to buy an amplifier, I wanted to get an amplifier that's eighty watts the same brand and all that the ah page will show me internet shopping was ah a forty watts amplifier and somehow when I managed to get the phone number they won't answer then when I drew


on the address and went right to the doorstep they said sorry sir we don't entertain anything here, you must buy through the internet here we no talk that is the answer I was given then I said if that is the case then no buying I'm very sorry because I want to buy the right stuff


which you have advertised but you're not advertising the prize and when I click for that particular product it again shows me a the forty watts amplifier and that's not what I want to get, I being a musician I need to get something that's at least eighty watts so I'm looking at the bare minimum but I don't want to click onto something and you will deliver me a product which is not the desired one and if that happen


it's then uh not so the part where I'm worried that the product might not function that's because it comes with a years warranty but what I'm worried is, uh I don't want this particular platform let's say that we have made the deliver you click the wrong stuff ah so you want us to deliver again can uh then


there will be add ons to delivery cost which is why I made my way down to the address and I told them that I tell you what I'll self collect I'll pay you cash but I was turned away so this was perhaps one of those uh, very few negative experiences that I have had and another negative experience was


I went to a shop at Serangoon road I asked for a packet of coffee, and this young man serve me a packet of tea I said I asked for coffee and he said no you ask for tea I said I have been patronising this shop for the past two years daily and I've never ever seen you before


are you an illegal immigrants I was forced to ask him that because seems to me that you don't even know what's a coffee or tea and while preparing my coffee you started, preparing tea while being engaged with your colleague or or whoever it may be and therefore you did not give me undivided attention and that's your fault


and so big grudgingly he started preparing another cup of coffee but he was conducting a survey with other bystanders there eh just now he asked coffee or tea he was he was he was in fact doing a survey


all of them said I don't know we were just minding our own business but he but he never stop then I had to, tell him I tell you what I will pay for the tea as well it's on me you can have it but please ah you talk about


consumer electronics or even food and beverage you have such very wonderful personalities who also lighten up life because this is also enlightening it's not enriching it's enlightening because you finally realised that !wow!


we have people out there who somehow seem to be an alien being cast in the body of a human and well you can laugh it off and still save your day or


can uh returned the favor and reward him with some addressing down but that's not going to help anyone would it and therefore uh bad experiences do happen it in life it comes as a package


and no different for me when it comes to uh there have been also uh bad experiences for me when it comes to leisure and entertainment, we you you have someone sitting beside you and here I am uh wearing a white coloured trousers and then you have someone who will just uh rest his


ah right leg over his left and then he will leave his uh footprint marks on my white trousers and all he will say is sorry, and I have to walk with a printed trousers back home if back home it's fine but what if I have to go elsewhere or attend a meeting and these are all the ah


unwanted add ons the life can throw at you when you least expect and therefore I looked at it as an enlightening experience as much as I have many enriching experiences, it just goes to show that enlightenment is just as infinite it it just keeps going and going ya okay I'm


I'm done


(mmhmm)


uh I've had my fair share with telcos also uh like uh when I asked for something then I was flatly told that oh this is not possible then when I spoke to another friend of mine a fellow subscriber then when I ask them that


eh I was told that it doesn't work what do you mean does what do you mean it doesn't work when it works on my phone, and when and when I call the main office then I then to be told that oh this can only be activated in three or four branches so the question was


so your staff should have known and if she didn't she could have at least clarify with her superior which you, fail to do but she preempted that this doesn't work, and when such things happen for me to have made my way all the way down three bus stops away ah under sweltering heat


and return home without having achieved anything for the purpose for which I went over then you just feel that why am I, is there's something wrong with me or is it that ah enlightenment is still insufficient I still need further enlightenment probably so and therefore telcos


ya I've had my I've had twice I've had , uh unspeakable experiences then when it comes to travel and tourism I bought an air ticket from a company that doesn't exist now


thankfully so because a year later I received a notification from the company that they had miscalculated and therefore I still owe them in excess of thirty dollars and I need to pay, and I


seeking enrichment and uh well not seeking enlightenment but always being delivered unto and uh unto enlightenment I went, the office to make payment for that particular sum and strangely they said that uh sir thirty odd dollars and plus this much of money for late payment that's interest


I said I'm not interested in that interest that doesn't interest me that's your problem and you own it up, and I was abruptly told uh if that's the case sir then you please uh await for our lawyer's letter I said let me see who will send me a


legal notification because with that I'll be able to counter so you probably see uh if your auditing has been done uh in in accordance, to legal framework because we don't know who else you could have uh uh collected monies from in such an illegal fashion


and the they were simply disappointed that they couldn't exact not collect exact uh the uh the uh unpaid interest from me and they were not


thankful that I still went over there to make payment and what they did was they just shoved the receipt at my face I said now look, you are being very very unprofessional a mistake that was made at your end someone has got who has got to bear for it


it's bad enough that I had to come all the way down to your office to make payment and when you spoke to me over the phone over this notification you made no mention in the notification nor in the teleconversation that I still owe you an extra sum of money which


according to your good office is because I failed to pay you wholesomely and when I paid you in a single transaction whose mistake was that is it a mistake to be that magnanimous did you take someone's magnanimity


for ignorance to an extent where you feel you can continue to, extort said I'm very very disappointed but I'll let my close associates know never ever to patronise your company uh but uh


I didn't resort to Facebook or, a social media said I'm not going to do that because I I think I this bad experience is not going to just end with me because your your your company seems to be employing a quite a large number of inefficient staff and therefore this is going to continue


and unless you read it out this is going to be worse than even SARS uh the SARS pandemic, because you need to get rid of this virus this virus which I call inefficiency someone ought to have checked the person at the ground and failed to do so so this is chain of command the person above and above and above failed to check


so that has got to stop it's got to be weeded out not just in one industry but across the board because we cannot afford to have, foreigners come here as visitors as tourists and they feel that they have been hard done by we cannot afford that to happen because tourism will still make a comeback we are still dependent on tourism for our livelihood it it it definitely makes for a very important part


of singapore's economical spinal column and it cannot be taken lightly in all fairness we have plenty of good people but there are also those who wish to only dwell in the negatives


okay I'm going to speak about travel and tourism I'm going to talk about the local market first that's figures up ah having worked in the tour industry at well I still continue to work and I am still optimistic the tourism world


make a full turnaround for the better uh when it talk about local tourism, the first thing that foreigners whom I received at the airport are so impressed with it's the airport, and these are people who come from a countries uh regions like uh europe the americas uh the australian new zealand from china and india these are all huge countries regions and countries which are huge and the moment they step into the airport


and the moment they beset jewel at Changi the first impression they get is, how do you guys we were surprised at how could you guys put everything in place in one dot one tiny tiny weeny little island like singapore


but upon landing here what becomes a bigger surprises how could you even put everything within an airport so impressively, that we feel like it's good to visit singapore just to visit the airport


I had an australian gentlemen pass the age of sixty who said that he has travel half the world and he said that your airport puts mine to shame, and that is as such an honour to the way our planners go about doing things ah


and even now, to give local tourism a boost a buyers and uh every adult singaporeans will be getting local tour vouchers and I personally feel that this is a good turnaround because lots of us in singapore don't really seem to know how much we have here because we get drawn elsewhere


and people from elsewhere get drawn here and they get amazed they uh, amazement is an understatement uh to them it's a jaw dropping experience so they feel that !wow!, how come you guys can put everything into one space and I had this to tell them it's good to visit us every half decade because we keep reinventing


places don't remain the same places of interest some national monuments yes they will remain unchanged but every five years a major product a major project will come, come about and therefore that would uh that enables singapore always remain in the pedestal as far as uh travel and tourism is concerned and not talking about overseas travel I have always been impressed with countries within the region


I have not travel outside asia but I have flown to a few countries within, uh asia and before travelling I only choose to travel to those destinations after reading about them uh extensively to see that is this the place that I want to go to and


only upon reading and upon being convinced that I do want to go to this particular place this country and this particular spot in that country, for a relaxation a leisure or educational tour then I proceed to book travel tickets and I am so lucky to say that not even once


has my trip been disappoint has been disappointing maybe I may have been harassed a little at airports uh that's due to a security concerns which no one can complain about but uh by enlarge


every experience has been positive, you have bits and pieces here where service service err personnel may not have been a desirably professional but then again


by enlarge the experience have been good and it's good to take the good things back and discount the negatives so I just look, travel and tourism both local and foreign, not just for relaxation not just for viewership of another destination another culture religion or language


but we also widen our horizon we our experiences let it be food let it be colors let it be fabric uh let it be the way people go about their lives uh what they think about us as much as what we would like to uh see them in their true self


so these are very life enriching experiences and therefore I, recommend travel tourism to anyone, pick a package that fits your budget again


do not go on borrowing too much uh like ah using credit card too much of your credit card because uh you might feel the pinch upon your return so you want to enrich yourself, go go to a place maybe that's totally different from what what it is over here so that you can see another site to life and life is life has a site that's actually infinite so it's never going to end we're not going to see uh the end of life itself


and therefore keep enriching uh, experiences that should be experienced for not just enrichment also to know how much we have that we have taken for granted there is so much good here


but uh there are but, the good here needs to be appreciated more and more and travel and tourism I'm always for it fit the right budget, thank you


(hmm)


!wow!


ya coming back to food and beverage I this just goes your experience just goes to prove that there are that many good positive thinking service professionals there and uh the desired to serve is second nature in them


and uh I the experience that I've had and continue to still enjoy is at a coffeeshop within my neighborhood, and then is this uncle grey hair, uh looks a bit withered but he is a true service professional


when he ask, he asked with a greeting good evening sir what can I get for you, then can I have a coffee sure just give me a moment these are the words he uses and he comes back with a coffee and when I thank him he makes it a point to say you're welcome enjoy your drink and I hope today has been good for you


and I hope to do tomorrow will be better still, and you don't expect this, eh well you don't expect this to come from a neighborhood shop but there are those who serve because they want to they enjoy it more than the remuneration that the job itself pays them


they they to them is like, the biggest incentive that I can get beyond my wage my salary is the is the satisfaction that I can see the gleaming eyes of a customer


who will want to come again and again and again because without such patronage uh the business cannot sustain itself with more and more people now beginning to uh fix their cup of coffee back home, and more people who have taken to preparing meals at home uh


these eateries need to sustain themselves and, these service professionals are their front liners and this front liners are doing a wonderful job, uh they wait tables they clear tables they do it with such efficiency


that it's mind blowing it's like this can't be a coffeeshop except for the fact that structurally it is but when you talk about service you talk about food and you talk about the speed with which people have begun to work, simply amazing but this particular uncle that I'm talking about he has not for once dwindled lost his cool or common courtesy he has always been the same to every customer regardless of the customer's mood swings or what not and uh


therefore this resonates with your experience at local vegetarian and this uncle is not the only one there are other coffeeshop assistance in this particular coffeeshop who are also as just as magnificent and very magnanimous with courtesy so I must


uh congratulate appreciate all of them uh the very first meeting with this particular staff, I did call up uh the newspaper at that time to inform them that there is such a service professional you should


focus on him because he is worthy of appreciation uh but uh somehow uh that story wasn't really taken up but, that wasn't what the uncle was achieving for he wanted a satisfied customer for his own satisfaction so it played both ways and we had and we still have not solved such people at every place and then uh


I hope more and more will actually come forth, to speak about such local heroes don't just see them as someone out there who are just doing their jobs but they are doing their jobs with service excellence and I think that not I think it must not go unappreciated


more and more of such services must come to light so that more eateries it doesn't have to be fine dining even neighbourhood coffeeshops, should be given star rating a local coffeeshop star rating maybe so that we know that it's not just about the food quality A B and C but this coffeeshop the front liners everyone work like stars and it's a star performance and we are giving them three stars two stars so why not


let's appreciate let's try to be let's try to appreciate life more wholesomely so that every uncle, every aunty there feels that she is a very integral important part of the social fabric no one should be looked down upon anyone any uncle who clears the table is also


a hero because despite his age he still works for his food and therefore service professionals are doing a great job here in singapore


uh


we are selling the investments strategy and opinions, for me the investments I for my opinion lah I find that investment that we need it because uh because I attend a lot of this uh


uh seminar there's a is a for it's good to like uh have the money to earn money instead of instead of uh you have to work, throughout your life, so to me investment is very important that we can have some backup


, how long uh, depends on what type of investment lor for me I did try some of it uh even though there's like stock market all this thing also past year


, but, but uh okay for for stock market that uh okay for, for me I find that you know take those blue strip ah is more stable then you will not so uh risky and we look for long term lah means that don't don't play those that uh buy buy low low for high because we


we will dead unless you are very uh unless you are very , know the the strategy at the market all these thing you must study until very clear all these thing if not is is quite risk is really is quite risky also so


ya ya ya now actually is uh very a lot information lah actually you google everything's you can ready , but also another problem that is because it's sometime is too white ah we also don't know which one is actually is the the correct one or which one is the better one you know and then oh we are a lot of uh this kind of seminar all these you know then sometime you have to also have to take on your


own uh you have to like your own trying to see is it to which you want to be trusted lah


that's why that's why that's why what I say [loh] you will if for stock market you had the buys those that uh more stable more stable one lor like okay something like Capitaland lah uh raffles medical group lah all all this because all these ah is like more


stable all these thing lah you don't you don't like gambling those, follow follow people that gambling mah this one low low low you buy already then you keep on going lower lowest then there's another problem come out already, but trade


yup , oh, or another another thing that uh another is a safer where like uh through like go through AIA or go through the Aviva all these thing they also have the investment to help you to have


the insurance ya also there's another another okay can help us lah that they they will do for us lah that means that means if, you more stable lah that one is more but that one the return will be like quite stable and not


okay depends on what you want , ya, yes yes yes that's why that's why that's why it's not advisable all in the bank because I find that the bank you can't can't uh gain much lah that means you just leave it there that means that if if your money you keep in the bank that means you have to work


forever because you don't


yeah, true true uh so have to say


uh okay lah because because okay if for stock market hor if you able to find out that which one is, uh uh which one is the good uh stock all this thing


the dividend also can be like something like the interest lah that means you you you will don't based on like like buy low sell high, you know you maybe buy for the long long long term one that mean is stable one long term one then uh yearly you


you will get the dividend or let's say it's something like you have the interest is much I think is still higher then, highest than the bank lah just, uh okay lah everything have the risk lah even if you put in the bank no risk but uh low low return also risk that's different


ya , , ,


ya ya ya you also can you also can do you also can do that lah because I find that yeah it's true true uh consider more stable lah the risk maybe, uh lowest the risk might be lowest that not not that highs uh okay lah in order to see the return


ya, ya for for me I said investment because trading okay lah we I


trading you have to a lot of study and then to find out more then you can able to do it no, uh that one also hard that also hard that , trading trading all you need to uh study a lot a lot the background all these


thing before you can start off you know ah if you want more stable one is for me, is uh get a good start and, just earn dividend lah because the dividends still still high if you feel good still higher than the bank interest lah this is what I I I found lah


for is still better than the interest, ya, ya ya ya because because trading trading you need a lot of effort


to to ready to go in to see more deep, investment for for me investment be maybe you just a, a more if trading and investment investments should be more stable more stable


fund


uh last time lah last time when we are young that time you remember we buy stamp , that's governnment, that's that's government teach us when we are young for saving lah you buy the stamp then your your bank is a but but now


ya that that that's why you see that's why now you see the primary school no more this stamp already because they said that not enough for you to spend , last time, like our age that time we have


ya ya that's why lor that's why lor only when when our our generation that time we have this government can buys ask you to buy stamp to to the saving but now now this, uh uh uh, children they they not


they can't do that because the the the the saving is not enough for them to spend I think also because of the the children now only less children ah the parents is more can can spend more than that so the


, ya different


, don't know that now now, the investment ya maybe to to them they will rather spend it off than


than than do the, invest but I think the governments also have to, teach them the the kids lah the you start off for the investment is is good I I, I mean the school lah


the school sometimes the school also have to teach them lah this is also one of them, , ya true true true true,


, investment asset for


I didn't really think that uh I must have how much all this thing at at minimum like more uh the basics expenses lah for me I I don't really like spend a lot I means eh depend [loh] you got money you spend [loh] no money no


spend , I mean that just that just, basic okay you got food to eat okay enough , , or can some go go out some enjoy enjoy some a bit lah I means that depend on what you want lah for me I okay lah simple simple simple lifestyle okay enough already lah simple lifetime okay I I mean I


I eat also don't eat a lot okay enough , , I also don't eat lot ya small eater ya but still occasionally still want to go go like uh, okay go have the good food lah okay pampered a bit lah, , I have to pamper as well so I also didn't really ya have to hor think of a at least at least minimum how much I have ya this is good okay have to go


, , ya ya true true uh for me I also have an adviser lah he ah just help me to do all these lah and so I also didn't really do it myself so I also didn't go and think uh how much I have to spend


monthly or okay it's good good question good question that I have to start calculate ha , , nevermind lah then don't spend [loh]


, then don't spend lor just stay put okay bye, no lah except except what you have that's all then you will be okay never mind


just gamble , gamble gamble another is buy four D [loh] still got chance , , ,


there's a small small one this is small earn paid mah , , still got the chance ah okay , , okay yes are this, oh then he will sudden sudden if you have wind windfall one million


dollar ah oh will will you invest your money oh this interesting you suddenly win for a one million of one million dollar would you invest your money interesting


, ya ya ya, I mean like it's true [loh] money if you have the money you have know you know how to enjoy then is your money if you just all dump into the to investment everythings ah you wait for then the money would be go to others is not for you


, if you really want that I tell you lah one third, you invest one third you enjoy then one third you donate out, ya ya you have to you have to do that then then ah


ah yes be then one, because you have one third invest ya that the invest got month got pollutant come back to you also mah so don't worry you can enjoy, yeah okay okay I'm looking for a for one million dollars


, , no lah money is not important but we still need money


everyone, ya, ya that that that's why that's why I said if you put in the money inside the bank also another risk that which is it not for not enough for you


also there's another risk lor so still have to in


I think the school didn't the school don't didn't teach leh my son hor don't know hor like lah I spend spend lah don't know how to invest , I think ya that's why I say the school must teach must teach them how to invest


basic ya basics, because you just saving is not enough is really not enough so you must do some invest depend on what type of investment lah I mean that that school must teach them and guide them then they can more widely to know how to


uh uh, make full use of their money their heart their their yeah


ya I I, I I think I also to the wrong mistake I only now then lately then I I when I age ah my children big then I I realize investment important so when pass I didn't so my son I never teach


also , too late I too, too late to know as that's why that's why my children also too late to teach lah now now too , , ya ya ya so should so so should let more people knows then when the children young you have to start teaching already


is, ya ya


, ya ya true true scam scam ya yes true true true okay


negative product review, I'm agnes I you


uh, ya now now now all is under recording you call a lot of things also recording, ya ya now all all recording


, standard standard standard with standard answer standard review


ya this is the the on on online part lah even those that through phone also what also recordings you can call to the bank or anything also all the


for me I I there's one time we I go for the one of the restaurant and


we we are the we are the first one to go in you know the when we go in we have we have we ordered the food, and order the food order the, noodle lah then order the soup all these thing then they only serve us the


noodle without the soup, and take so long you know I mean that after that a lot of people come in all these thing ours was still still I also don't know what happen to them they also don't want to serve only until we we asked hor, then then finally then it come !wah! we


take almost, almost a a a a, after we our noodle finish already ya our soup still still not coming then we're !wah! so, frustrated ya I also don't know why why they they have the thing where got discount lah


where got discount, that's why depend on oh now now the the depend on the service lah some service is very good some service already I I also don't know why, the the the waitress


is uh hold on on it or or or what


put a lot oil ah, ,


ya ya I ever I'll do the medicure also what they they will keep on ask you to sign for the package you know they sign up for the package hor then, you you then you have to one time pay out first and then you pay out already hor after after do for a few times before you before your package end hor the shop close down then you go there


the shop how, close already you know and then your package still not end yet you know so hor is, see lah and they keep on sign the package say cheaper cheaper I don't think it's cheaper you know after that you calculate already , the the the time the the the package that you sign up hor that you when like I say last time for the ten ten service or anything ah maybe you go for a three four time three four service oh and then the shop hor just closed down then you just go


then hor everything is gone I think it find that more or more expand, uh for medicure they are just is a small small shop they they don't they no no I mean don't don't have uh like franchise a lot of uh the yeah and then the shop they just


they can just anytime, close up shut down and go off you know and then people that also hor we never thought of it you know they said !aiya! package, cheap hor cheap hor ten time hor is much cheaper all these then you just go and sign it hor then you will realize then you will realize after that ha !wow! is not cheap


you you will spend more than you will spend more than that ya , no hor now the nowadays also you see the shop also turnover very high


ya true lor because everyone go in hor they keep on persuade you to sign for the package all these thing you know


they will they will tell you lor is cheaper lor when you sign package then you can get you a cheaper all these thing, , , oh there's another


another we try you know they will say that okay there's a a a they they have our okay package ah they say that it a no it's not package they will attract you to come in they will do the the the you know the mixed ah you know the leg massage ah


you know they they will do for the one leg hor !wah! do until very good you know then then they keep on talk to you you know talk to you hor then then they said they tell you all these thing then give you to sign about the package you know then if you say no hor the second leg hor they anyhow do already


then hor then then they put on the I say !wah! do until very strong you know then, after that hor already hor then he keep on pursued you you know then you sign for the package one lah all these thing then then, !aiya! don't want lah because I got experience already where your shop we don't go then then they had to finish the their their service mah they know that you are not interested already then the the second leg ha they do ha they anyhow do do do hor make fast fast fast then okay lah you can go you can go see the other side go then


I think they ruin what is this man , really hor they they really based on only the package if you don't sign hor then I then I also wonder if I sign the package already monthly I give already I don't know you still do that good things or not also a question mark you know, ya ya ya


ya they they do for you because they want you to sign the package mah if you don't want to sign the package they just anyhow do and then I wonder just after I signed already what they are doing hor and then they say that oh you are you, already they can they can they can just leave it and just ignore what ya or or just leave it


don't don't do for a proper job or a new things you know sometime, that's that's why also because of that that's why the shop cannot survive also lah


ya ya ya that's why lor that's why that's why all these is that's why the shop also because of that turnover very high you see the shop this nowadays you see the shop very fast especially HDB area the shop hor


they will changed after that you after few ya after few months you didn't walk past ah after you walk past they will say the shop change already you know also due to the the service lah they have to have to do a good service then you can able to to attract more customer


if not hor if you go in you have the bad experience hor I tell you you will never never want to come back they only do one time business only then never mind one time business then when when the the we don't have a good experience when you share with the friend all these thing then even worst that you will not


not able to to get more uh customer to come in


the box standard


uh so far I don't have this experience I have is sometime is when they deliver it the box is standard lah, but it's so far so far is lucky only the box standard the inside the the items still okay lor only that when you see the box then you just !huh! no ah you will you will get that uh what what happen to to inside all this thing but luckily so far is inside still okay lor their packing lah sometime packing is very important also lor


when you see the the the box is standard then you will ah what happen ah then you luckily you go you have to go and check inside is there any any damage or anything


or very messy, sometime even the bird also share with you


the bird also come and share with you just beside you and and eat together with you, you because they all lie lie on the tables all this thing mah that's why there's a lot of bird ah around to to come in all this thing and all that also


the bird shit ah the ya,


ya, ya ya ya, because because they they I think they not enough manpower for the hawker might might not not not manpower that's why that's why the cleaner not enough so that's why uh nobody clean up the the table all these thing then when you when you order the food around all these thing then you attract the bird to come in that is the problem


that's


because also an another issue you know why now so many old people so old singaporean , had to work in the in the coffee shop and and, and the hawker all this this is also another problem you know is a that is a big issue government have to look into it


ya the, the all the, now you're true is lot a lot of because, they also cannot bring them lah because they they have to clean up all this thing then uh feel especially you say the dinner time dinner time is so crowded or they say they they are not enough time for them to to


ya I true


ya sometime we have to clean it ourselves lor, we have to go and go go and go and help them do the cleaning to to to to test that the the plate lah all these thing lah because is not enough, then now


ya ya ya


for more for that one more for local local place lah more for


ya ya I ever ever tried also I ever tried also then they they they keep dragging or or they they are pressing the the plate all this thing then they would just they just ya ya I I did


ya ya I also experience this before , ya maybe it's bad mood , maybe he's in a bad mood that's why oh there's also okay okay lah when you when you work you have to cannot do that lah hor


ya ya it's very dangerous [loh] very dangerous,


ya true


that's depend on the driver lor and then he's in the bad mood or or actually is not the correct way lah I means at when you do the service you must have to take care of take care of uh people before you


even even uh taxi also what taxi taxi also we also joke or an another taxi the when you go up that time he will lock complain complain complain until hor ah, I want to or actually I want to like uh uh keep my mind uh uh set down or I want to rest or anything !wah! when you start me up hor they will keep on do a lot of complain all these thing lah or complain government complain the road lah compare what


what is this man I say ya, ya, that's why you you you just continue to driving and then you just on the music for me will do !wah! no, no music never mind then you still keep on talk talk talk talk a lot a lot of things you know


then hor then when he ride time also you know then also !wah! like also jet thing ah this thing ah then !wah! it's really very bad experience for it,


oh okay that's why that's why need to, ya ya ya ya ya ya ya ya, something inside ya true true something inside then I okay lah maybe still have lah, but some like no, also depends on the mood lah you mean when when you're tired or you when you want to rush for somewhere or you want do something you you want your mind clear you know then


they keep one hor !wah! nag nag nag nag at you, hor this thing hor what you really hor really hor you don't know how to what to control yourself okay, ya depends lah some taxi's driver is really a lot a lot talking a lot a lot complain lor in


that's also maybe with a lot of people complains you know say that the taxi the the taxi driver go go go the one big round or or a lot of comment so now they protect themselves also lah that's why they they also ask you then is you want to go if not I I I I I ya


ya ya ya ya ya, ya ya not cheap okay the ERP if you go through is not cheap


, , eh not cheap okay ERP you really go through it not cheap you know , if you go CTE hor to go down hor you can likely


uh state ya two in two, then not cheap you know three dollar and, two dollar or what lah like I got one time !wah! very expensive leh then just go, !wah! I say that hor just only that road only you know two two ERP


you know !wah! okay


positive product review, I'm agnes


uh shopping you means the online online uh, uh


ya ya ya and then they their their refund also directly ya ya I also I also like uh go to Shopee they refund also refund directly, the uh to you what what you payment from lah he will straight away cancelled is is ya not unlikely uh okay


then for for F&B usually uh would you go like, go out uh for what restaurant have the food or


ya the service still


yes yes now now the the ya the F&B their service is quite good and then, uh I think the food also nowadays they also improve a lot ah, I found that recently a lot a lot a, uh uh F&B come out and their services one


ya ya, ya ya ya ya , even those , even though you go to the the the what ah the restaurant they also when you if you tell them that you are birthday


you know they also like singing a birthday song to you they !wah! treat you like a !wah! is very king lah ya and then you, find that oh then also because of that then after that you will want to go back again [loh], and no this one


ya this is also uh the other way that uh you sell your advertisement you know just advertise all these thing and then you see this when you was service everythings ah it's ready find that is really uh fantastic lor then you just, go and and enjoy you know really the the food


and the the environment's there, ya true,


but anyways now also a lot of F&B for you to choose there are also a competitive also very ah so ya, ya so they have to think of a somewhere to to get it better to attract better all these thing so ya so that's why you you go there you can more and more enjoys your food uh the environment`


, leisure and entertainment uh now lesser lah


last time when kids young that, time more will be more go for all these, now not that often ah, but we we still do now more F&B lah eat because singaporean ah singaporean is eat hor you are more enjoy more happy to to food


ya, ya ya actually you only when when when my kids young them then we will have more, explore on this this part,


ya, ya ya ya even ya ya true now now the buffet start buffet also quite nice the the food also quite nice not unlikely last time the buffet hah the food like like


more standard all these thing now now it's already is very very good for the buffet style now the buffet style also very good for it


true, and


customers service on, no uh there's another uh for some is for the delivery some are online delivery now also their service also quite good


and uh all the is quite fast oh, this ah then ya and then the delivery also very very fast,


ya ya that that nowadays the delivery is quite quite good quite fast, yes


ya ya ya true true is quite packing is quite nice quite nice cute, for packing hor I I find that packing we still those to these japan you know you know japan's packing is really really very fantastic


the packing packing, the parking for even if you like to I like to go to this uh japanese store you know their their packing hor is


is very nice you know then even though that you don't buy hor you just go there and like window shopping you see all the packing all this thing ah !wow! I find that is very very, very creative you know they they really, uh very creative they they will know how to like do it until very nice you know it's just a simple things hor they can hor uh like design until very


very good very fantastic that yes yes yes, ya true true true ya


, ya ya ya true that's why the that's why sometime the the packing also also very the attract your eyes lah, it's very important also, so I find that ya pack things that things that you'll like it all these thing hor they they must


know how to like uh, attract your eyes oh then you will see that a lot of things oh that's why you you you and then you are also also happy mah when you see that things like nice uh cute


you all know a lot of a lot of things very cute very very nice when you when you do the shopping all these also lighten up your your your day you know like that, your light


ya ya ya that that's that's why there there's a certain restaurant they have


their their own there are like hello kitty you know the whole shops everything is hello kitty, you know ah ya, ya ya then you will keep on want to come come back because it because of the hello kitty


yeah yeah yeah ah yeah and then another thing is like the food you know their designed nice also then when you know when people nowadays hor people before eat hor they will take photo first, ya before you eat you start eating you know, so the the design ya so that's why the the thing the design all these thing you must put it nicely all these day okay


travel now now now now okay travel, but we can enjoy ya for for


also one of the good things oh also one of the good things oh because when pass ah we we we travel out mah now we are more traveled in then you will know know more singapore place all these thing ya now hor then is you can it's true it's true that is good also that is a good thing also


yes yes yes that's why now, ya ya ya that's why that's why it's good that we now we also


come back to singapore to find out more uh our our place that uh uh most nice way ya, true true


ya and then, for the past lah we we don't we didn't go go and look more clearly that what singapore have now at least now now we can more more time to spend on it to you know


ya ya there's a change there's a change to us


and then you can more understand more better, singapore ,


oh ya oh okay okay ya ya ya ya, true true that's why that's why also a lot a lot of new things come out hor we can learn more new things ya true true


oh ya ya ya ya a lot of new things ah


, , okay


ya the sharing the sharing ya the sharing


true true true is a, a good thing for me ever, education education also actually singaporean also


have quite good education


we still need too lah because singapore is really uh, small that's why we still need foreigners to to to come


to eh


ya true (mmhmm)


ya for for for me I also find that the the agents lah for the invest the finance, they really the service is is quite is good, to


they I mean and like what you say lor their their explanation all these thing is they and then uh what you need all these thing they will able to to cater I think maybe also because of now the brand is quite wide quite a lot lah so they are able to to caters that which your need also


ya, eh , I I don't do sport


, , I'm not that type of I, oh oh start open already ah oh yeah


ah, talk about cycling now that's there the road path


oh singapore do until the road path all this thing will be can round island to cycle all these thing ya yes , then this is the good part lor for I mean that for if for the exercise lah for the exercise part lah the sport the the is


already it's already very convenient and already very, take care of of a very take care of us all these thing it's very good, for the cycling you know cyclists yes


ya ya


is is is very nice lor ah for sport I think is for this one lah for the second


is, now not and then nowadays also because of the COVID then a lot of cyclists come out, even those that new cyclist


(mm) okay


investment strategies and opinions, so what is your investment strategy do you have anything


oh cool , ah I see


!wow! okay so how long is the investment that you you you look at and the car or horizon that is involved


okay, !wah! so risky ah stock market I see already #kia kia# , ,


okay


let me see okay, ya so actually nowadays the DBS uh app right they have also particular one column whereby they talked about investments so they actually


test about what are the risks level that I I myself can take lah so I actually go into it where it's like oh yours is not those very risky ones is the middle middle one so they after that they also actually suggest what kind of investment that you can uh invest in [loh] so I think oh that will be very helpful lor


so nowadays it's really very very good with all these kind of uh information in the DBS app itself ya


, , ya,


ya that's true also but how about trading ah have you thought about trading for me I myself uh investment and trading right I think my own opinion is trading is almost like a gambling in a way because you keep like in the stock market that, kind of like what you say [loh] stock market I hear already I very scared because it's like anytime can go very low anytime can go very high but when you go very low right it's like my my heartbeat


whether is it really !wah! later I lost everything,


, ya ya true, , so how about the like we talk about also the invest uh pass passively right because the investment is like there's a very wide kind of thing lah and ya for you yourself what what what do you think about that


, oh through travel uh that insurance itself ah ah okay okay


ya the risk is maybe not so high but on the other hand is like the return may be also very low right in a way that means like so called the interest rates ah like the bank nowadays the interest rate is so low and then is not very to just put inside the bank, ya


ya so I actually thought also so like even if like uh insurance right I find the return is almost even though it's like better than bank, but at times I find that the interest rate itself in the in the insurance as suggests that kind of so called investment and I find some time is like it's not really that


that fantastic and it probably also like ya it will probably like maybe slightly more percentage and I don't I I personally feel lah I feel that there may be something else that can really help back turn in a way ya, I don't know how you you think about it ya


buy low sell high ya, okay


ya so as I I trust singapore government lah in a way that because of the DBS app right DBS is belongs to uh singapore government also so when the app have this so called uh unit trust ah so when they actually uh uh according to your risk level they actually suggest what kind of unit trust that you can so called buy that you will not have heart attack


, yeah and then it's like oh okay that's great man then I will I will keep I I mean I didn't really do research I just, trust the app and then trust singapore so singapore government lah so I just okay since you suggest this one and then maybe I just take take and try and hopefully I will have some uh better return


so for yourself will you like uh is that a comparison is that like I would say I for myself I think I'll I'll be more comfortable with the investment rather than the trading because trading I find that the risk is really high so for you you actually would you like


, oh yeah yeah, true true ,


ya ya that's true yup (mmhmm)


, ya, okay so how about your opinion ah for me I do feel that trading is similar to gambling uh investment I feel is not so lah


ya,


ya ya that's why I think also !wow! we !aiya! great minds think alike , so how would you actually uh recommend ah if let's say a student or a yes with a little cash at as start right but I think our government is pretty good hor they have like student okay you don't have money student at least fifty cent maybe you can like daily saving ah right


ya ya , , those were the days man , ya but nowadays I think the kids are really bad they they they spend more than they spend more than saving


ya we, because you we we we go Kopitiam to drink coffee right but they go Starbucks lah you know all this lah like triple or or or four four times more expensive eh


, ya true also lah so they don't really need so called a saving that's why actually nowadays uh children are like the the the money is uh ya they had they they they they haven't learned how to earn money but they start to like spend money so talk about investment I think probably they don't even recognize that they need to have this kind of investment plan


oh, I thought the parents who teach rather than the government , oh okay okay ya ya ya I I


I guess I guess school will be more impact for the children sometimes the children don't even listen to the parents , ya, okay that's great sweets, so what do what does investment mean to you !wow! this is not an easy question eh


I think for myself is like uh for retirement right I guess we hope to I mean for myself lah uh at least like maybe I have one K on hand and because by then depreciation I'm not too sure whether one month one K, uh should be able to survive lah so my my plan is like when I can't work or I just wanted to like uh enjoy life ah so at least one month uh I can have one K of cash on hand to spend and to enjoy ya I don't know how what's your what's your view about it


it sound like very sound like youngster eh, , , don't don't end up be bad girl is it,


okay okay easy contented, small eater ah, ,


ya lah once in awhile lah still have to pamper yourself lah, , , actually I didn't thought of that also because my friend is in insurance line right so she's very concerned about my retirement and and she think that also I probably won't think about that so she was trying to explain to me and enjoy all kind of uh investment strategy all anything these thing you know so not so


that I I see number only ah I hate it already I say okay okay I trust you whatever you say you just help me to do it ,


, ya before too late ah after that you cannot work higher whine that oh no I've not enough money to spend man , , , ya we probably we may below your comfort level then you also !aiya! I should have actually done it better and and spend it better


, okay so , !huh! , I though we just now talking about the gambling leh then you now talk about !wow! you change very fast ah


oh !wow! !wow! !wow! !wow! !wow! what kind of logic is that man so , okay how what what does yeah


, uh I guess I'll half of it maybe not half maybe one third of it invest the rest I go and enjoy myself and travel around the world


, ya ya ya ya I guess so


!wow! your heart so big ah okay that's true also yeah we have a lot of people this less fortunate than many of us also


ya okay good good point good point ya especially when we have you should actually bless others also


, #fat qin hon# ah , one million dollar !wah! you you , you your eyes become S eleven ah in your eyes


ya true true, that's why that's why investment is important in a way because especially uh depression is very highest I mean when we are young that time right fifty cent we can buy so much thing and then now is like fifty cent, uh okay can still but


ya, correct correct, so I I I'm not too sure because uh I I don't have children so I'm not too sure nowadays uh how does the education like whether they actually let the the youngsters to


to uh you know recognize about the the money issue whereby they they will really, , ,


okay probably we have to feedback to MOE, , ah


ya, ya agree agree agree, just hope that the youngsters are really be be more aware rather than uh so comfortably having parents give them enough


money to spend straight eating I I mean that, for me I once in a blue moon then go to those so called slightly Atas uh restaurant to eat but everytime I go ha I sees students wearing uniform go I was like !wah! where the money come from man


they they have their own thoughts already right ya not easy to so called brainwash them


ya that's right, so I think it is is very important in a way ya because actually nowadays you you go to website you see so many uh so called investment thing but some of them is like fake you know it's like want your money only after that you invest already right it's like oh they got all the money bye bye and then oh no then a lot of people got so called get burned


and then uh ya those so they're so scared about investment and they thought that investment is basically are all the want to cheat money that kind of thing so which just ya so it's very dangerous on one hand also, ya, yup that's right


oh I tell you ah so sickening you know everytime got some issue right trying to call in those online thing right every time is the phone message and tell you that the line is busy can you just uh wait for awhile we don't know what lah !aiyo! very Sian eh


and then it's like wait for so long and then again again say like !wow!, very very long, ya what's so frustrated no human being talk to me , it's, some machine even online


I mean a website also when I search certain thing right so and I was trying to ask you know that's that's that's this kind of asked thing ah then there's a chat box come out right so I was trying to ask and they will give you so called automatic uh reply right, correct so I said it's not this one then oh can you ask this again maybe you can rephrase your statements I say oh


no when is this going to end man, , !wow!, correct lor until you really cannot answer you then they will tell you okay uh ya if you do you want to speak to the agent I was like I want to speak to the agent long ago why you keep having this all day


ya boy


(mmhmm)


oh dear that's very bad service man ask for discount lah , , service bad mah so ask for discount lor,


oh ya uh I I don't know whether you experienced before I sometimes handphone will have this kind of uh so called service that what you you win something or or your birthday treat hor, and then they uh really very good uh, still lah in a way because usually when you go for one uh so called facial thing and then they cost like maybe


uh the cheapest let's say is a fifty dollars right so because of your birthday you can have ten dollars so something okay lah since, then dollar right go and try try lah hor !wah! is like, uh you enter into a thief shop man , after try right then they will tell you, oh actually ah uh this one is not enough eh and then you see your skin ah uh have this thing and that thing ah you have actually should need uh need this kind of apply more ah and then you should like actually uh uh have this package you know and that is more worth and then is your really make your skin very good lah then


!wah! talk talk talk talk talk talk so long and then I tell her don't want I don't want I don't want I don't want I don't want , it so persuasive leh !aiyo! it was like uh I got #buay tahan liao# really very bad man


oh boy !wow! yeah yeah (uh huh), oh dear


you mean they still have another branch kind of thing ah, oh ya true ah, !wow! okay that's bad man


ya okay


Kena con , ya true that's why what a a along sure cannot survive beside uh partly also because of the service is not really


fantastic until that they they attract people to come back again yeah because sometimes the they did not like maybe, did not uh have a long term plan you know they just want right now I want the customer I right now I want to customer so and end up every customers really chase away oh no I don't want this kind of service man it's like I'm I'm #kena kena# con


correct is so uh so sickening really I I I really hate that man , it's like okay you persuade I mean you if you tell me what is good and what is uh wrong uh uh one is enough but not like keep saying that oh no you should you know ah ya ya ya and then and keep persuading and then uh !wah! it's like


really felt long winter you know keeps talk talk talk talk like for twenty minutes eh hello I got other things to do you know don't waste my time lah


demo ha oh okay , ,


, oh !wow! that's bad man, because they saw commission from you ah


, oh


, that's true that's true because the attitude issue right if if is if you don't do it well now and then what will you do next man


ya, ya because service is very important lah when you actually, uh do business right you don't just do business for the sake of earning money but you want to have a kind of a relationship with your client whereby you can be a friend that people like uh you know still very nice and comfortable they will just come back but if you give this kind of service right who want to come back man


yeah keep changing, ya


ya ya true true true, so actually when we talk about service besides service actually sometimes when me I I don't know what is your experience but at times when I buy online things right so when we arrive and and at times of course of of course sometimes is good lah but sometimes is like I don't know why the delivery got some issue and


and, when you try to talk to the customer service right and then !wah! !walao! eh I got to repeat and then after that oh sorry I need to I need to uh connect the the seller and all that uh I need to check out this one check out that one after that oh sorry can you just a screenshot and then you have to


more talk again I say not again then after that talk talk talk again then after that oh no I I haven't uh uh check still no news though but now it's like okay office hour off !wah! like consecutively I talk for don't know how many times ah then finally is like things are settle I was like !wah! this service is really bad


I don't know whether you have experienced such or not, , okay


ya of course of course whether inside broken or not right, (uh huh), ya


(mmhmm) , nowadays a lot of uh not restaurant maybe like Mcdonald's or, or or, or a hawker center you know a lot of elderly people are working


and sometimes ah how I really tell you ah I go to the hawker center especially dinner time okay, they they they don't really clean it well you know it's like quite quite quite, ya and then it very dirty is like I also got no appetite to eat already how am I going to sit down here and eat my dinner man it's like everything


the food here that food here is like it's not really they don't wipe cleaner I don't know why they want to employ, elderly people again hor again okay , , ya my hong kong friends really hate that


ya so my hong kong friend really don't like that because why is in in hong kong right they have this, uh what's that called a the the the the kind of a virus thing ah ya so they


they very scared of bird one so they say how come singapore ah the bird can just come in and eat your, food one lah , !wah! for them is like oh no I better if I I get the virus on the bird man you know run away


actually not just for hawker you know some even coffee shop it's not really that big !huh! it's like only two cleaner it actually is more than enough lah but somehow because they they employ people who are elderly and


tents to you know get slower like in a way like response lah so I I don't know whether they are actually do the not say do right or wrong things lah but it's like you will affect the the image of singapore, hawker center lah when the foreigner come or the tourists come and it's like !wah! like that also can I thought singapore is to be clean country you know then it's like all this kind of service and all this kind of uh


I mean even local we singaporean we don't even want like to see when we go for dining and then uh and then what more for the foreigners and I think is a very bad image for singapore ya I think we need to do something about it lah


, ya


actually not tue because sometimes lunch even more people than than than dinner time you know somehow I think there're so called office hour they don't have like two shift I think I don't know whether they try to save money or whatever you know so it's like until certain time right so there's no people to come and and and and clean anymore I think


this kind of thing is like maybe you should have like two shift and then some work in the breakfast and and so called lunch and brunch and the like until three you know then three until like uh nine or something like that ya if not ah it's like I I don't know because I I know certain places is a lunchtime is more than dinner dinner I mean the people


ya lor, !walao! eh still must get ready buy tissue ah, , ya lor that's why not supposed to be this kind of service lah I don't know I mean even hawker center we are not supposed to be like uh


expect so much lah but it's also an image for singapore mah you know what I mean ah, because I know a lot of uh foreigners they don't want to try local food they don't want to like uh go to the so called Atas or but they try and like a extreme and go to the website saying that oh


uh this place have a a this Laksa good and that place have the what mee good whatever thing then they want to go and try but then if the the go to the hawker and see these kind of state hor Jialat lah ,


so I I guess I think uh singapore really need to do something about it if not I think it it really affect the tourism as well, and then do you know I I don't know whether you experience before I I actually took bus ah and then nowadays some of the bus driver somehow their skill I tell you !wah! almost faint ah


I never have uh so called car uh sick one you know !wah!, that time when I sit on this bus right because the way they they press the brake ah is keep jerking leh jerk so, much eh and then I was like !wah! I want to write down the name and and the bus number and who is the driver


it's like oh no, oh no I almost want to throw up already last time I never has this experience before you know I don't know about whether you you ever tried before some of the


ya, and some not only jerk it's like also so called emergency brake when that's not really emergency, and then !wow! is like the whole almost like some people may injured also you know, I I don't know some of the driver is like uh I don't know some of don't know whether they're


impatient or or bad day or whatever it's like I drive until ah I think I want to take a world can you go out , , , uhu yeah I guess this is also very important


ya especially you are endanger people's life leh very dangerous lah is like any, time people may just get injury especially I also saw some driver they they didn't really


uh look properly at the mirror right and then so some elderly people haven't even like finish uh going down the bus and then they close the door or they they they move on you know then, the the the ya then they fell, and then you know elderly people fell is very bad you know they can get fractured lah you know all kind of a injury that will I mean


old people not like young people when you get injury you can get healed very fast and recover very fast but for elderly people is like they take so long and then the pain is you already endure for so long and then they got to take painkiller which is ridiculous man


so I find that yeah actually this kind of things ah I don't know I don't know how how that the they they should improve of this kind of service for the locals


ya I mean everyone of us will have bad mood they knew to know how to control is not ha then you don't work as a bus driver lor because you endanger people life eh it's not joke you know


, when you can't control then you it's better to rethink about whether this is the, (uh huh)


, , bear until your mind very stress right


, yeah yeah I guess uh taxi driver you know sometimes uh probably they're lonely I don't know


, they love to talk I mean if they, talk it's okay but not complain right tit just so Sian you talk something interesting topic still not so bad lah , ,


ya ya ya ya, no I find it very strange also nowadays when you take taxi it's not like last time you take taxi you tell them where right then they they should go straight already but now they now they will ask you oh you want to go by expressway or you want to go by this way or you want to go by this way you know


ya lah I guess because of the government ERP lah you know you have to pay more in order to travel fast because you want to pass by that that uh shortest road and then you have to pay two ERP that kind of thing


so the moral of the story, story is because government implement ERP , , , ya especially during peak hours peak hours is like what three dollars or three fifty


ya Kena two or three is it,


positive product uh review enquiries, oh I am I just very amazed about uh you know some of the Shopee uh uh purchase whereby uh if let's say I have some issues right and then !wow! they return and refund very fast without uh much enquiries is really fantastic man


ya online purchase the the the the app itself whenever I buy something and then like spoil or whatever then I feedback to them you know then they don't like uh ask you uh is it really or not can you show me clearer you know that kind of thing you know not much uh questions and then they just refund ya I find the service is really good


, , ya


uh at times ah sometimes like to just to pamper myself ya I find some uh ya I mean it's like you pay for the kind of price right you also expect a better kind service ah so far I think in singapore in a way they are still quite uh okay I think they are


they are being trainer ah how to service people you know that kind of polite culture and friendly you know like I find it is really good also ya


ya nowadays so creative man the way they display right it's like !wah! like that also can , it's just like normal food but then when they display until it's like will will make you very appetizer and then it's like oh now I want to eat man


(uh huh) (uh huh), the king and the queen is it


, , ya ya true because you are attract ya


, ya I think you pay for the price you also want to enjoy it rather than uh you pay and then you have all kind of a negative thing ya but anyway ya singapore basically are pretty good lah


in a way ya, oh true the competition is high ah, to attract lah


correct correct is either they cannot survive , , yeah so have you do you you actually go some kind of a leisure and uh entertainment whereby


ya what what experience do you do or you know,


(mmhmm) okay, ya ya everytime talk about eat right !wow! this this stall very good very good must go and try man and


that's true that's true, ya like while my church uh we uh time uh have meeting right must always have a buffet and then must always uh try to have a good food you know so that people will be very enjoy not just to come for fellowship but you come and enjoy food also so it's like !wah! like that also can ah


ya, yeah


and I think the not just the buffet uh the the food is nice and people serving is also very fast it's like sometimes we have a a big group of people going right so very fast the food finish right their replenish should also very fast so this kind of service I think is a pretty good it's it's like not


wait for too long you know because anyway we we pay for the buffet and and should have such kind of service lah I guess, so have you ever tried like calling some kind of customer service and you have kind of


favorable uh uh experience, I don't know an any any whatever thing I don't know


oh okay yeah , ya ya nowadays really really good ya


like order from Shopee or lazada right, sometimes is like eh I thought I just order yesterday only like !wah! so fast, deliver already , ya and then the the way they pack also is a is is like really protect the item itself that uh make sure it's is arrives uh like


intact and and nothing spoiled and broken that kind of thing,


(uh huh) okay


ya ya agree


ya, ya and very creative and and very attractive also is like you thought you see you see already you also want to buy not not the product itself is the packing itself


, after you buy already right you like oh no I don't want to open it because when I open it I don't know how to close it back nicely , ya


ya, ya true


ya nowadays because of the AI thing right a lot of so called market research ah they also know people, liked what kind of things like some of my friends really like doraemon or, mickey mouse you know then everything is !wah! you can go one store mickey mouse anything mickey mouse ah curtain mickey mouse ah bedsheet also mickey mouse ah and what what it's like


(uh huh), oh yeah yeah so those those hello kitty they'll enjoy going there,


ya then they take picture here take picture there you know , , I take a picture ,


nowadays ah all the trend ah, ya, so


no cannot really travel ah because of COVID nineteen but we can travel staycation lor, ya I saw there are people pick uh Facebook post ah they go to Sentosa go that kind of a hotel enjoy, the environment of it


ya about singapore right ya, ya then you will realize that because everytime uh uh only like my friend from uh overseas come then I say okay I bring them to this place that place but now it's like no need already


because I also very bored you know you know they cannot travel so I also find !wow! which are the part good lah then I just go there and then, see all the unique part of it oh singapore still has so nice place ah, I thought only malaysia have this kind of of of Bintan you know


the attraction of it ya ya, so actually you even though singapore is very small I must say that uh singapore has uh really do a great job about tourism how it actually attract so many tourists and they have done so much


uh even though we have not so called a lot of nature thing but they have do in such a way that is so attractive and nice and and people just enjoy especially you know we are so called city life right we really need some kind of nature thing whereby we can breathe fresh air we can like


so called uh destress ourselves going walk nature you know that kind of thing, ya


correct agree ya so it's like blessing in disguise lah sometimes you know when all these things happen rather than we, we have uh having so much of complain about uh COVID nineteen but is a something that is a ya good come out of it lah


, ya that's right, ya so even though we can't travel but nowadays also have a a lot of uh I don't know I sometimes I receive email also about uh virtual travel you know so they actually show you something like Youtube or whereby you go all the way


you cannot physically there but you can enjoy the scenery through the , showing of virtual tour , ya very creative man so it's like you no need to spend so much to travel you know you don't need to buy air ticket in what it's like everything is provided and you just you just enjoy uh when they film it especially when they have


this uh what what's that called ah, oh drone drone drone the drone that uh fly you know to show all the, nice scenery this kind of invention is really good, ya, so about personal care and cosmetic oh this one I think I I am not so good that man


but I I guess uh uh, ya when when people use it and find it good right somehow nowadays you know the the Facebook !wow! is really, uh even though you don't get commission but when you you automatically when you you use good ah just like Makan or if you go a place to Makan very nice you just tell your friend ay come come and


you know the cosmetic or or or facial personal care ya, you will you will automatically say oh no I try this product you know and then I feel really very good and, it uh it it suits me and and every but what kind of skin whatever thing and then people see already oh maybe I also can try


, so I think it's it's really fantastic lah with all these kind of technology whereby uh information are being shared and and so got no more fake news ah that's why people can't really, uh so called uh uh


give the wrong info because ya things will just a review itself


ya that's why a lot of foreigners they come to singapore to study the local school not the so called international school


whereby they really uh they find that uh singapore education is is is even though not, uh as as uh how to say, totally well kind of thing but uh yeah I mean if it attract so many foreigner come ah no matter what I guess is still something good lah


ya but because of the education system which is something that attract them if not, people why bother because when foreigner come to singapore and study right they they pay more you know it's foreigner price if nothing to attract them right why should they bother to you know come all the way here and and had to pay accommodation everything is like foreigner price ya and is a kind of risk that they may also incur lah you know


so about okay travel daily essentials and what kind of service that we have, wait just now we are talking about the financial thing oh ya nowadays the the insurance company besides insurance they they they talk about uh finance uh planner that kind of thing and


and I find the service so far the people are really good, they really explain very well even though I totally have no idea what is investment about and what kind of plan you know but uh ya they they really explain it such a way that they go very detail and even draw timeline you know from let's say you you


you live until ninety and what to expect and then uh ya explain until I find their service is very good that they they make a point to really uh meets your needs and to know what are the things that you require so that they can give the best service, for you and and not so much that uh uh to so called cheat your


money that kind of thing you know and I find singapore is really good in in many sense lah ya, yeah


(mmhmm), so how how does it really help you good in what sense you know good can be a a lot of thing


that's true, ya okay ya okay I very good (mmhmm) do you do any sport


, it was, sport , ya because of COVID nineteen right of there still a time this swimming pool are closed so now open already is really good lah can still go


back in singapore is very good in the sense that like every, different town you have one swimming pool, I mean ya singapore government is really think a a lot for uh different things the needs the of the people whereby in every area they will really provides like park you know a a lot of health kind of uh


uh places that people can go for exercise and go for a walk or go for cycling you know now a get now are getting now a this get, hor what happened, (uh huh)


oh the park connector hor ya ya true true true


the cyclist lah especially some they don't know how where and what like you know with a car park connector is we can really tour around whole singapore you know it's like from east to the west and from north to the south that kind of thing


and and and and they they put it such a way that because this park connector right that means every cycling when the cycles over think is like the scenery, all greenery you know which is something that you will need especially when you work so much in the office ah everything is air con ah then it's so nice to see all the greenery around the trees the flowers you know and then they plant so many different kind of uh


trees which is really uh good scenery to to to enjoy when you are cycling along the way and you you see all this ya I find it's really good ya, , ,


ya ya and then you can see all kind of brand and all kind of uh difference uh bike around you know, ya


uh invest ah I put it in a fixed deposit in a structured uh deposit and some short-term some long-term deposit also for short term just in case that of course I keep some, float lah no then short term is in case in the near few years if I need the money I can use the short-term investment uh that


structured one for three to four years one and then I have some long-term investment which is twenty to twenty five that is for my retirement, retire when know when uh when when by then I will be the reach the retirement age already so this one mature already then it can I can withdraw I mean when it mature withdraw I have a big sum to use it for my uh


retirement and also my CPF


uh ya uh investment lose money ah it is still those the more conservative one better lah uh at least ya investment


make our money work harder lah


although still it still not able to work as hard cause uh I don't know how to do investment and buy stocks all these things I always lose money so have only put in the endowment lor a bit more slow but uh at least there is some income


uh I suffer a lot of loss (hmm) !wah! yes


ya ya ya ya, ya what do do you think what do you think about uh one should own a credit card or not cause for me I think uh one should at least own one credit card in case cause now uh now nowadays ah


uh everything is going cashless ah, so uh it's good to have some at least one credit card if you know how to manage your uh finance lah cause I also have friends ah that I mean or even I heard people that, know who have multiple of credit cards ah and then end up ah the they cannot they use future money and they are not not able to pay back the you know when the bill comes so


but so uh if you are good at uh managing your finance ah can have many credit cards ah, that uh like some uh you have one for can earn mileage point, the high mileage point when you spend then this one you earn, some uh rebates and the other one can you earn something get so if you are good at uh make sure you pay your bills when the bills come ah it's good to have many credit cards cause then you get all the


benefits but if you are no good at uh uh managing your and you're not able to pay full uh pay the full bill when the bill come, it's best just have one card just for in case only that's what I feel about also may what is your take on this


, actually I I I don't like to use credit card , I try to use cash I prefer use cash ya


ya pay hundred percent so won't have interest ya ya ya, ya


and take advantage of the benefits of the uh know uh maybe twenty days or twenty uh twenty days credit term but make sure you pay full when the bill when the credit know the day up lah that's what I feel lah uh then as I said you know can get some


benefits by the mileage or whatever points or rebates but uh must be prudent in make sure you remember to pay your bill ah cause they are like legal loan shark lah they know no mercy one also if you should forget to pay one time they excuse it second time no more already ya so this uh


that's what I feel lah good but you must able to make sure won't forget to pay your pay full okay then uh


ya, so if people that can can remember people that are able to pay hundred percent is good to have many cards if you can manage that's what I feel


subscription fee yes, ya then cancel lor ya yes yes yes they uh the annual subscription is quite high


ya usually the first year they give you free subscription lah ya so once they bill you and and and request, for waiver if they don't waive then cancel lor there're so many uh banks that provide credit cards ah


so do so what about do you what's what uh strategy would you recommend lah if you are someone lah that's planning to, uh have uh you know there're big buck digits expenditure like they're planning for a family or buy a car or a house ah what kind of your uh uh advice would you would you give if let's say you know you have friends that would ask for your advice


ya ya there's a a ceiling income ceiling


yup for for me for me if let's say I uh do do strategies ah the strategies that I would recommend lah for someone that is uh planning for their


the this big buckets uh big big ticket expenditure it depends ah let's say if you uh started if you want to buy a house ah is this is a uh long term so you actually cannot just decide now you need to start to plan at least two three years ahead, of time then you start to save cause at least cause there is this if especially just say young couples right ya the this uh downpayment I think how I can't remember how many


percent that we should know whether your CPF enough or not if your CPF don't enough to pay the first downpayment ah, don't know twenty or thirty percent ah you that's why you need to start few years ahead if you want to thinking of buying whether you have to decide or whether, uh based on like what is it your income and then there's uh what kind of house you want to buy if you want buy a HDB so you have to start planning few years ahead so every month how much are you able to allocate set aside for to to know to pay for the installment so


buying house you need to actually plan a few years of getting there a few years ahead and start saving to have a start open an account would uh advise my uh friends uh to open an account that you every, month you transfer or know this certain amount in to it's for this this this uh purpose you know so that


by then two or three years down to road you already has a substantial amount from the cash already and then top uh coupled with your CPF uh ordinary account you can afford to pay the downpayment for the house uh whereas is uh for a a car also similarly lah know car of course it's much cheaper than a house but then


ya it so so it's like the strategy lah if they ask for uh strategy I will always say that do your your calculation first how much you can afford, and every month the saving so uh one thing at a time you want to buy a house first then the car car KIV then you have this account where you designate this saving account I every month I will transfer this X amount inside it's for this purpose and you're not no matter how broke you are that month you cannot draw out of the money from there cause that is


for this purpose one, so if you are really so so I would give this kind of advice lah I would recommend them so that cause if you have this thought that I will draw out ah, if I really broke mah then if you can it would the growing is very slow so the one main thing I would say this money this account money can only go in cannot come out one so by then three years down the road lah at least you have this certain amount already so this is the strategy lah ya this is the strategy that I would recommend


I actually uh really ah, uh hands up know really this is really good because ah a lot of people ah uh they they cannot, save cause uh so just now I thought I share you put in this amount of money oh next month is there uh things that you want to buy then you're going to draw and then go and buy oh I I this month I save five hundred then next month you have uh a lot of things that you want to buy like for example the eleven eleven !wah! a lot of people want to buy a lot of things and then they will


draw but CPF cannot you cannot draw so you can only go in so it's called a forced saving which actually is good for you when we come to uh now the although the age they keep pushing later and later but it's still good cause we live longer, so at least you have some you are so-called self-reliant you are independent cause government was come out of a lot of uh other policies that the the CPF allowable so actually it's a very good forced saving so that we don't cause uh a burden to our


family member maybe our children or even the country so I really uh say this is a very good way of , forced saving so that we will not cause burden to the country or the family in future


(mmhmm)


you cannot maintain that if you cannot maintain that kind of means your salary is not very high cause otherwise you should be able to reach the amount


so so so for you is you are asset rich cash cash you are asset rich ah so when you you when you come to the time that you cannot afford already then it's time to downgrade it's time to sell some of the assets I mean there is no uh there is no uh if let's say you don't have enough CPF you draw


(uh huh)


downs