so I just keep still thinking that I don't want to be the bad people so I just rather be a neutral one who does not invest but everyone says that it's not good for me so I don't know probably have to have uh seek financial advice for this


actually I was never aware of it maybe I should check it out more since you've brought it up and it more stable right consider it to like uh volatile, [orh] yeah I think with my salary the company will the bank will be like no go I don't want to give you a loan


ya yup, oh yes not don't remind us about that so yup, pre pre adulting ya


ya we are done (ppb)


part three negative experience, so Faz with all these sales right like we have been having [orh] today is ten ten so how has your experience being with like all this Ecommerce and stuff like have you had any bad experiences recently which I should be wary of


(mmhmm) okay


(mmhmm), oh, correct ya


, , , correct


share right


generally right uh I think one thing as you mentioned is you share with friends uh another thing which I do is to check on the reviews of the item especially for some items you feel that many people are buying it and you can kind of see roughly what you going to expect how your how your item would be


uh I think one bad experience I would say was with a product on Shopee generally my experience on Shopee has been really really good the service has been great , but what happen there is one seller I would say is quite unethical in a way


so I I was actually looking for a dress which I saw somewhere else but it was too overpriced and around that same time I saw there was a seller selling the same dress on Shopee, which was substantially at a cheaper price


and there was reviews maybe one or two which stated that the quality everything is stuff good there's no pictures and stars where just ratings that five star four star that kind of thing , so I thought like okay fine since I've been really wanting this dress and I've been searching high and low it seems available here why not just buy it


so when I bought it usually my uh orders arrived very quickly the max I have waited is two weeks if it's internal like singapore based seller if it's overseas ya it takes awhile but this guy was a local based person and uh I saw his other reviews for other products uh it was all on time everything was good


so it was about one week and I still didn't see I think at that point of time you can the seller can indicate they has been shipped item has been shipped it had been one week since I made the order purchase uh the seller uh the seller didn't ship , so I was waiting patiently but then after that I realise that !hey! why he's not like even responding that kind of thing so I drop him a message then he immediately without replying me set the status as uh shipped out then he say ya shipped that's it


so I was just like okay fine let's just wait, so I was waiting it had been almost one month and I didn't receive a parcel and I think there's this thing called Shopee guarantee where I've to select that is uh received if not the money just goes to them right so I extended it multiple times because I was really generally waiting for the parcel to arrive


but it never arrived so eventually after one month I messaged the guy and then it was like very rude replies and stuff that guy mailed it and stuff like that then I just felt something was very fishy because I've never experienced anything like this he didn't send me uh shipping proof, which usually all sellers do if it's local I mean overseas it's different but if it's local they usually say !hey! it's been mailed out because they want to keep their their conscience clear like I have mailed it out if it gets lost that's beyond me but I have mailed it out this guy didn't even do that


so I immediately after one month I reported it to Shopee saying that !hey! I just haven't received it uh could you look into this issue I don't want to release payment to him, and uh when I raised the thing I think before it reached Shopee management the seller can object so this seller objected


by putting in a proof then like he put in a parcel that uh it's a wrapped up parcel with uh address and stuff near the post box saying he's posting it what luckily is that is either he just on the spot did it to create a proof


or it was done previously he didn't send it but the problem was that he actually wrote my address wrongly, so it was a clear thing that it was either one he never mailed it out now he is just rushing to mail it out or he mailed out the correct one but the address was wrong so


his his picture kind of made it seem like ya I really wasn't lying that I didn't received it and he really objected he's like no I shouldn't be paying uh I shouldn't be releasing I shipped it and stuff so I think it took awhile as in I was almost like willing to let go like I'm like do I really need to fight but it really really felt like


it was something wrong like I didn't experience such a bad thing all these purchases I had , so eventually uh Shopee came terms with me and then they said that except for the shipping money everything else was returned back to me so that's when I realise I wasn't the only one who encountered this issue with this seller for this product


I saw the reviews there was some of them who just exceeded their Shopee guarantee and they had to just leave a one star rating saying that they never receive their product but they had no chance they probably didn't know they could uh request for a refund , but they exceeded the period so I felt like there's gonna be unethical users I wouldn't say a platform but rather the sellers would be unethical so I mean if you are really that's the way you gonna do business I really don't see how you can survive in the long run


ya, product yup, correct


ya, they don't care much about your buyer buyer experience,


ya that's the thing I I feel like the one good thing about Shopee one is a homegrown brand the second thing is that they really do take into account what we consumers have, input so like they really act on it like it may be slow but at least eventually you know they're going to make a statement they're trying to you know resolve issues and ensure the consumer


doesn't lose trust I think that's the only reason why no matter how like this bad experience I still dare to go back to Shopee and buy cause I know they have my back, ya


ya I feel like Lazada doesn't help , there's no moderation from the platform point of view right, ya, I think Carousell is good more for like used you want to get rid of secondhand junk just want to cleared it off


ya correct, (uh huh) , but I think I think the whole concept the the the app itself is built on the idea of I'm just going to say this person is available you take your risks they basically have no control


(mmhmm), okay


so there's some sort of guarantee which is being introduced into it I see ya I guess I guess with all these coming up right with everyone going E online these things have to be in place because if not there's going to be many many such bad reviews and no platform will be able to survive


uh ya I mean, as in this is our experience with E like this is probably something E shopping and all this is something recent but how about like a bad experience with like staycations or like hotel room bookings any like overseas trip experiences which are on a bad level


right so you could only eat one of it, oh god, you can't even change like within the days is it like uh today I have western today I have chinese no


but that day you was stuck with that one thing lah, , (mmhmm),


correct


correct oh the meat, , ya no as in the concept of you choose your breakfast is like is unlimited buffet spread you get to pick how much you want to eat and stuff so this is totally off what you would have expected


three days, right !wow!


[orh] that's


myself uh I can't recall anything, staycations in singapore has been pretty much restricted to uh coming back to the room do skip so I wouldn't really read the facilities


wouldn't really use it it's more of like you go have fun with your friends have dinner lunch outside you come back you just chill and so far the staycations in singapore has been on par lah as in I wouldn't say exceptionally great but then encounter any weirdest issues


but if I were to think about a bad experience I would say that I think I was in a country where english is not the primary medium, and I'm a vegetarian so my dietary choice has been very clear no meat no fish nothing so uh when I say vegetarian not many people understand so I make it a point to say I don't want any meat I don't want fish basically only vegetables fruits and rice that kind of stuff so you kind of think the people are understand based on that so


uh I went to I think uh Bali if I'm not wrong so we were having a breakfast in the morning we had the widespread which unlike yours luckily we were able to choose what we want , so we were having everything and I think we came across the fried rice there so the fried rice was really good and we were travelling after that so after breakfast you know you go tourist spots itself it was pretty a long ride that day I think we were going somewhere far


so my parents were like !hey! the fried rice was good why not we buy from them take it out and eat for lunch like instead of having to figure out where we can buy later, because as in it it might be a issue to find vegetarian food outside so I said I said I went up to him and I said that I just want the fried rice uh can you pack it for me and then he is like uh we can't pack from the breakfast menu


but we can order as ala carte dish for you I said ya sure that's fine can I get two sets uh then I made it very clear that I'm a vegetarian I don't want any meat in my food , all this kind of stuff so they put in boxes and my car was ready to go so we didn't check I mean like I thought it was pretty clear like these guys were speaking english properly in the hotel and stuff so I thought when I told them I'm a vegetarian I shouldn't be having meat no fish nothing so I thought okay fine


so when we go inside the car and it was all normal then I think was lunchtime when we took out the boxes and when I took out the box I realised no the rice was still fine but there was Satay sticks beside it


and I'm just like no this is like it had, correct ya so I don't even know if the rice has any meat now I can't eat the meal at all so, ended up we had to give it to someone else to eat because it just didn't feel right to throw it away luckily we did what we did was not get for everyone


but we just got I think two sets of it just to had ensure we have a backup so we decided we had to go to a restaurant and then find food there it was a challenge because not many people there could speak english , but I think we eventually came across a indian store and you know indians generally understand the concept of vegetarianism so we were able to find vegetarian food but unfortunately if we didn't find anything like that I think that meal would have just been had to skip


so I was really disappointed because I've made it very clear repeatedly that I really don't want meat as in if the person really didn't understand that's another thing they can get someone else to help them but when you put for the requests so clear it's not something I'm like I'm being fancy or anything it's a dietary requirement


it just didn't make sense why they couldn't take this request of high importance as I really disappointed ya like I mean, I complaint that you didn't give me enough towels okay lah you you are not uh happy with it fine but it's something I'm paying for I say that I want it this way and you agree of going to give it me this way ya you agree that you are going to give it to me this way but you made me just like !huh! you can't even follow this


so I don't know where the communication broke down but it were really really a disappointing experience in that sense, when travelling correct yes especially when you travel to countries which are not familiar with our diets for yourself halal for me I guess uh vegetarian aspect of life ya


ya that's right that's the thing so I was very surprised like, ya I just said don't add anything just add me my veggies the rest keep it


ya so that was a really really bad experience I would say, , as in for myself and my brother I think we were still okay like we knew such things can happen but like my parents were there so they're not very familiar with such stuff and they don't really


enjoy like seeing meat that they couldn't eat it anymore at least if it's just me and my brother probably like leave it whatever was touching the meat and see if the rice didn't have then probably consume it but my parents completely could not take it so it was a really bad experience yeah


ya,


ya, oh my god yes, it's very misleading ya


, oh boy, !huh!, oh god


but yeah I guess that's the thing like there is no way you can generalise because in the same country like uh remember we went to cambodia for our trip, I think the hotel experience we got there was fabulous ya so you can never categorise it as this country will definitely give you bad experience but really boils down to your personal experience like


they gave us we were just two individuals in one room they gave us such a huge bed and another extra bed and oh my god the facilities were amazing that so uh, correct ya


it was way better than ya so it just boils down to personal experience I guess and how lucky you are that day to encounter, , do play it make a matter ya


we usually go to but I guess uh based on all these experience I realise ya ya in singapore in singapore you should be fine lah, ya ya ya singapore is good yup okay


part two positive experience, so Faz we all know we love bubble tea singapore loves bubble tea so what's your favourite bubble tea brand


, !huh! oh my god same yes


uh tea ya, (mmhmm)


Gongcha which flavour which flavour, , okay , is it [orh] okay


with pearl I suppose ya I don't know for me my to go has always been the standard pearl milk tea so I don't really know what's the blend of tea they use but it just seems to work for me so I'm just happy with it, ya and my favourite has been Gongcha is seventy percent I'm sorry I'm a sweet kid I tried to cut down okay used to be hundred and cut down to seventy so ya seventy works out fine


!huh! could you drinks ah , how could you drink that twenty five I mean it's like just I don't know let me think ya it's just tea yeah it but


ya okay we shouldn't be talking about it cause we still enjoy it's just proper exercise after drinking it , now, ya


and yet we continue doing , , oh yeah, correct yes I I actually I was surprised that people as in I understand I do enjoy bubble tea but I can live without it I don't understand the craze where people realise that bubble tea shops is going to close the next day and everyone just rushes to buy it like it's like


the last time they can ever have it , to me there was a concept I was like you do realise there's a pandemic going on, do you want to add on to it like what is gonna happen if we don't have bubble tea for maybe few months doesn't matter ya and


correct ya, I think I think when the first said the closure of bubble tea they really thought that there won't be anything ya but I mean like do you really need to rush in to get that one cup I mean you're you're putting your life in jeopardy as in I understand I personally love bubble tea but


at the expense of your life that was a bit of uh !huh! why kind of thing for me why ah exactly yeah, the reason why people even stopped this because that's too many congregation there you want to make it worse that's that was a pretty !huh! to me so ya


yes obviously yup, I think based on student deals right uh I would see the favourite one I found was share tea


the quality was not as good as Gongcha but for the price I thought it was pretty good share tea was my to go because of the student discount and they was appear when Gongcha left singapore right it was replaced by Liho I was no going for Liho I tried it once I didn't like it for some reason


like I I didn't like the tea makes or something but ever since then I've avoided it completely ya, oh is it I ya their milk is very different I I didn't like the aftertaste or something and it was such a strong experienced that I never want to go back to Liho which is unfortunately sad but I really can never go back and then Gongcha came back yeah


ah ya ya ya do you try, I tried of someone's cup like they were having it so I just had a sip they were like raving about it but I didn't understand the hype as in it didn't even feel nice to me so I don't know if my taste buds are weird


uh, didn't know that and then I'm uh didn't had come across that


I guess these are all like marketing techniques cause they realise that people will spend if they come up with something new, and I'm going to say even though I love bubble tea I haven't really tried like a lot of flavours I think I'm very very standard with my bubble tea is the normal pearl milk tea maybe hazelnut milk tea


the only craziest drink I've ever had and was okay with it for a period of time was taro milk tea but eventually I got off the craze so I didn't like it anymore just back to my original milk tea ya so I really don't get


uh yeah I think the first, oh no I didn't I didn't have it I I I didn't understand what it was cause I think none of my friends were drinking it I was never exposed to it


and as I told you right was when I was young like the financial freedom wasn't there and I couldn't go and say like ya I want to drink bubble tea like, I myself didn't know if I wanted it so yeah so I I never I know there was a lot of bubble tea stores you know those like home based kinds yes then but instead I used to go there and buy things like fries and snacks but I never used to get the bubble tea from there


but I think I've only gotten from each a cup, that's the only one ya, (uh huh), ya is that even bubble tea did they have the pearls


uh right, ya, correct I remember it used to be very like crush blend like Oreo and all this kind of stuff so I'd never knew why it was bubble tea and at that age I didn't like tea so I thought these are all teas so I didn't have a inclination for it so ya


ya, but is there any such stalls now I don't see any though , I feel now even those have been at least for my area right they have been replaced with I tea I tea uh each a cup that's the only one I find I don't see those standalone stores anymore where you know they operate their own


fruit flavour is it okay maybe I should give it a try ya, sour plum sounds interesting is it like a bit likes like ya it it tickles your ya


uh oh my god brain freeze reminds me of slurpee you can never run away from a brain freeze from slurpee yup oh my god I think that will be interesting yeah but I don't know how you would be crashing


come we go bring forward this business proposal to seven eleven be like !hey! come up with more slurpee flavours but do you see recently slurpee flavours have like change greatly, they don't have our standard flavours anymore the apple is gone the coke is gone the perfect blenders gone I love the blend between the two


there's blueberry and I'm like I don't even dare to try it ya so I guess there is change in the consumer taste which is why even the bubble tea now is no longer the same as what we used to drink previously


yup yeah, correct, exactly I remember uh I think the cost of bubble tea back then was about one dollar one twenty and even that was like a huge amount to us


back then so now when people just go and buy, ya but one bubble tea ya ,


and I'm just like I'm earning but I still don't buy that, so ya, speaking of young what do you think is one thing which made you feel like one purchase which is like I wouldn't say close to your heart but very special to you because you thought it only last you for a few years but has lasted you way more than that


what what do you think it is I don't think it's electronics good for sure given the short lifespan these years , it is oh !wow! okay, (mmhmm)


that's really cool, !wow!


(mmhmm), , so it's, uh to be honest like especially with phones I feel like one thing is


that they slow down the battery just kind of becomes bad after a few years , so and also I think because of the fact that we tend to think the technology has become obsolete we want to go on to move to a better camera and stuff so


I feel like uh like gadgets or electronics which are using right now they are not being catered for long term use because we are also in the rush to upgrade to the new one so , I just felt like electronics is something very unreliable because uh what happened is my own laptop it's uh it's a non mac


so when I first got it I think I got it during IT fair, it's working fine and then suddenly there was an issue with uh it just couldn't switch on after few months, so I had gone down to their service centre and unfortunately their service centre sucks


the even though it's still part of warranty it wasn't really that great so that's why I wouldn't really associate electronics with, really durable stuff but I think like


(mmhmm), true ya that's true, correct ya , I actually understand what you mean ya ya it's like you when you buying right you don't see the importance of them giving you proper support you just think of going for the cheaper model but then you realise when you encounter issues that it's


that you really need their support and it's really helpful so ya I guess yeah definitely helps, , has been, for me uh it has been the first formal dress I bought


it's just very surprising because of the amazing quality it is so I bought it in secondary school so that was the first time I actually bought like the dress which is like , used for formal events and stuff till then it's like just normal casual clothes you don't really need them right like the formal stuff so thing for one of my birthday I bought it from uh not so as in it's not so high end but it was a pretty decent brand


and I'm actually surprised that for it has been in really good condition for the past twelve years, like it one thing is the style is never out of style uh I think it's because it's black and white it's evergreen yes it's formal and the number of times I've washed it I have no idea but it works perfectly well so that is something I really didn't expect out of clothes to last me this many years


ya so that is one dress which is definitely going to be very special to me yeah so I guess that's when it it's realise when I realise that you do understand that if you put in the money for the right quality it really will last you long, yup so yup that's happening do you understand that


ya, cheaper one correct yes and I, exactly because you don't want to keep shopping like if it gets damage you need to oh gosh I don't want to shop again so you rather just keep a continuous pal which works for you ya


so Faz I see yours, ya that's what I was just going to ask you like your skin looks good what is the skincare you follow , no it's fine


the thing about me is that, I am someone who is extremely lazy so when you tell me that a skin procedure work for you I'll be amazed and I will be like !wow! but the thing is I have absolutely no patience to follow the routine on a daily basis so


to me my basic skincare is just using a daily scrub, I just use one daily scrub that has worked for me perfectly I bought a moisturiser which is good actually that's good, it is really good it's just that I'm so lazy I don't apply it everyday ya like I just can't keep tagged to it but the Clinique uh moisturiser which I bought is really amazing it it really hydrates my skin so on days which I really really feel bad that's when I okay you know what I really need to use my moisturiser so ya I see a great difference in that


moisturiser, is it what kind of issues do you encounter


ah ya, right


exactly , oh you supposed to yeah I think one one thing everyone says that uh because I get scolded by my friends because I've really really really can't take care of my skin as in I just I just think that I remove my make up and sleep there's the best kind of


skin care I can do for my skin already but like my friends scold me the thing is that they say that at least if you don't use all the products one thing which you have to confirm incorporate would be a sunscreen they said it's really important I keep telling myself that I just keep forgetting


oh my friend made me buy it in front of her, never


ya I guess for us lazy people maybe getting makeup with SPF that will be a better option than having to apply another skin


precisely , I don't know ya I feel like as in skincare is good but if you become too over reliant on it your skin might not be able to handle not using skin care anymore it becomes too dependent on it so that's the reason why I don't want to introduce skincare to myself


cup yes I think COVID helped us COVID helped us because we don't use make up that much so I feel like my skin is in a better place, yes work from home yup


ya you don't drink a lot of water you really really need to spam water that helps a lot


definitely is not, yes I that's the thing I don't trust them I don't trust them like I'm just like do you really really do what you advertise to do so that's why I don't really use can ya


, yes, ya, so let's stay as natural as possible, okay can we stop


finance


ya what what you said I agree with all you say and if I'm not uh wrong back in primary school, think POSB health campaigns and workshops in school for like students to save up money then when they save up money and create account in POSB they'll the bank itself will contribute a part of the money so that the savings will increase overall


but in secondary school and tertiary education onwards I don't think there were any such workshops implemented so that's something which could be done, to uh improves one's financial knowledge and planning


so my name is Harsha and talking about finance on the go through one of the parts dislikes, for number eight what can you do to earn extra income to improve your income level


for this the current income is gonna be the job whether is a full time job or part time job you do then on top of that improve improving the income level I feel there are two ways to go about doing it the first way is to upskill yourself


so that you can get a better job or uh a great promoted to have a higher paying job then the other ways to have a site hassle or side business, like I know some friends out there they will get the main job then at the side job they has like a baking business so during the weekends the bake and they would sell their food stuff on Carousell Shopee etcetera so I feel that there's another way to increase one's income as well


okay


for this part I would say that I disagree with what you said if you are to say that the student who own a debit card that's okay because there's a difference between debit card and credit card for debit cards they already have the money inside a bank account which they can deposit or withdraw they use money from that


but then for a credit card it involves, it's kind of a loaning money from the bank, so if you want to get like big ticketed items let's say you wanna buy a laptop for two thousand dollars but you only have eight hundred in your account so then the so using a credit card with other to like borrow money from the bank then they will return it later with a higher interest rate so I feel that


doing this at such a young age are like what you say fifteen sixteen years old that's not I feel that that's too young for them maybe they can start doing it when they have like a proper full time job as you get older, so well still being a student I feel that it's not the appropriate time for a student to have a credit card lah


I think talking about the previous point just now you were talking about the education about like your financial planning and investing, I think that one of the most important times you can be done like out outside of school or instead of the company itself can be like during NS all males in singapore go to NS for two years


then they also earn like an allowance during those two years in NS so I feel that having like a proper, maybe session or workshop on teaching them on how to manage their finances such as investing saving and expenditure I think teaching them about this very in-depth at this age would be very beneficial to them in future like from starting starting in NS onwards ya


okay I think for me personally given that I'm a student eighteen years old my spending habits won't be affected very much by it lah because my parents still have their job


everything's going almost as per normal just one thing that would change will probably be my like the stuff on the stuff I spend on because recently the economy has gone down because of the COVID nineteen then local businesses aren't doing very well


so like the community in general has means, spreading the word and trying to get more people to buy stock from buy stuff from local businesses instead of like MNC so I feel that that's a good thing which can help support the local economy then for example some


for example like baked goods I instead of getting them from supermarket I try to get them from like local bakeries or like local independent home-based bakeries as well so like I think in this post-COVID world


it's important to like help support local businesses to help them get back on track and so that they won't be so they won't be like let's say cancelled because of the larger corporations which are able to make more money and be more and and have a higher stability because of the amount of money they have


I think let's look at point number


point number seven what are your thoughts on CPF contribution so in my view CPF for what I know is that, out of the salary I think about twenty percent or somewhere around there of the income will be will go to the CPF account then the employer will also can contribute a percentage of the employee's salary to the CPF account as well


then once you retire around the age of sixty plus I think then the government will start like giving you some sort of money back to you, about this I would in my view I would say that, I think it's a good thing many some people say it's not but I feel it's a good thing because not everyone has the financial


knowledge or capacity to think about the future and safe and plan for the future so the government stepping in to implement a compulsory savings account for retirement will help many in managing their finances as they get older


because if one doesn't have the financial knowledge and were to not have much savings then after they retire in the future is gonna cost a lot of issues and problems and if they go bankrupt they gonna have a very bad standard of living and might cost them a lot of problems in the future


so I think the CPF contribution is a small sacrifice you have to make now to have a greater benefit in the future, ya that's my view on CPF contribution uh


I think I understand where you're coming from because us when I'm talking I'm just talking about like your normal layman who does uh normal nine to five job something like that but for rich people like you say or like people who have higher standards in the company like CEO or people as such


I think a part of their earnings are and in giving in CPF to, because an opportunity cost to them because for them they rather spend that money on something else which could make them more money in the future than rather keeping it in a CPF account because for some people


for investors they have invest as investment strategies all turn out for them if they want to keep this money in those investments instead they can get a higher return in future compared to let's say keeping the money in your CPF account


ya I agree with what you say because singapore being being it being smaller allows the government to have much more control on the administration of it compared to other large countries uh


negative product review, okay starting off for negative product review I had a very bad experience like three years back was about buying a bag online from Lazada


was a backpack for school all the reviews there are about few hundred reviews on it and most of them are positive on it and it was authentic and stuff but when I received the item and the inspected it, to my dismay it turned out to be a fake


so I was very let down on it and I contacted the seller for a refund or exchange they said that they would provide an exchange but in order for the exchange with processed I have I had to take the item to, some office building a far uh uh some place in singapore which is about almost and two hour travel away from my house


so I felt that that was not worth the effort just to get a just to get an refund, so that was very disappointing in that sense, because when I pay for the good and they see that is authentic expect expect what to expect to get what they say about the good they say is authentic expect to be authentic don't expect to get something else or a fake so when that happened I was very disappointed I was very


and get a refund for the bag but it was a very long process and will take about


at least a few weeks for the entire thing to be process so I feel that it wasn't very worth the effort so that was a very very, very negative experience to me overall suck and it kind of made me lose faith in the e-commerce of things but that was a few years ago but now today the places such as e-commerce sites such as Lazada and Shopee have came up with


kind of how to say like tags to their items such that, for example they have Lazada mall and Shoppe mall which are sections between the e-commerce sites, which sell goods from directly from the brands who have been registered and have confirmed to be the actual at to be the actual brand and they working directly together with the e-commerce sites to sell the goods so when they certify themselves as such you know that


the product you gonna get is authentic and it's real, and it's directly provided by the supplier, so I feel that the measures which are taken in this day to counter and to prevent such negative experiences from happening such as before have have been correct successful but that was only recently now but in the past few years back that wasn't the case so ya


you're talking about your, negative review overseas, something similar I had a similar experience overseas as well in Bali


so what happened was I wanted to buy a wooden carving of like a dragon then we then they like our tour guide recommended us a place which was not too far from where we were then and he told that you could get the best deal over there but we went but I went there


I found out that one small, statue about the size of a tissue box was about three hundred dollars that was very surprising to me at that point so I was like this wasn't worth it leh just let it go


then during a later part of the day we were going past the road and they were like roadside, shops which were selling similar carvings as well so I stopped there and had a look at the carvings which they had they had a very similar one over there that it cost about ten dollars so I feel that


people increasing the price by a lot to try the scam tourist was very bad because, there are people who are unsuspecting of such scams and they would just pay the extra money thinking that they'll be supporting the local economy and and they think about that the craftsmanship and all


the time of the creators who spent on the good is, very worth that amount of money but in fact it's just the exact same thing which they get from a factory where they pay these workers with very little money and they keep most of the profits to themselves so I feel that people who take advantage of such


such schemes and try to sell goods as it such a higher price at to tourists is, isn't a very good thing was uh very it would be it would have been a very bad experience to me if had just bought it then but for me I didn't and I could have I have found a much more cheaper alternatives to it lah other place ya


then for the bad dining experience the number nine I think this happen to me in, in singapore ya it's happened to me in singapore it was uh as a Kopitiam the the economy rice stall it was a new place and me and my friends wanted to try it


then the one thing with we thought it was gonna be the same as other other economy rice places but then we were very surprise when he found out about the portion sizes it was very small and the food was much more expensive


we so we ended up paying about six dollars or so per person it was very expensive compared to our usual places where we had eh we pay it'll only paid only about maybe four dollars maximum uh the quantity was very little


and details of the dish wasn't that good as well, but the service standard of the restaurant and MBS was I would say it was much better than the usual place we used to go so you can think they will paying more for the ambience but in terms of the food which we paid money for it was very bad and


the value for money wasn't there the quality was very low and the taste wasn't as good as the ones we had ya so that was a very negative experience for me


about the bank service you said uh I also had similar experiences or fate like in india ya like my grandparents whether they want to do something at the bank they always have to go to the bank physically and spend quite a lot of time over there


I would say that's that's because of how that's because that's usually happens in like less developed countries in singapore there many of the systems are automated they have a really secure server such that people can't hack into it


and the internet in singapore is very fast and it's very readily available to a lot of people which isn't the case in less developed countries such as india, so because of the lack of automation of some procedures and services it it ends up being a lot more unnecessary time being taken up for the exact same process you have been which is where the time would have been much significantly lesser if happen in more developed countries such as singapore


so I feel that that's one of the reasons why, the why people who are used to the bank processes in singapore will have a harder time and find the services unsatisfactory in less developed countries like you said


about the Apple thing you said, I didn't really hear about it before but now you say it I realize it and I feel that it will it will have been a negative reaction to people who are not used to it and don't know about it, but one thing about the app about Apple which I find unsatisfactory it happen to me before it was is their after-sales service


usually if you want to repair your iPhone, and you want to do it within the warranty you have to go to some places which are authorized by Apple to do it and the, pricing of it is very very expensive in such places and there's some cases where instead of just repairing your damaged device you can just buy a new device as buying a new device is much cheaper than repairing your current one


so if you were to, and the thing is that even you go the third party repair centers where you can pay them money to fix your devices they can do it a cheaper price but the thing is they can't do it for all the parts this is because Apple kind of constricts the


constricts like the some of the parts and materials they have inside the devices and like doesn't allow them to be sold to like third party sellers who can use them for their own repairing, usually they keep such parts only to themselves and they distributed among the Apple-authorised centres so even though third party repair centres can fix the device at much as at a much cheaper price


they don't have the access the goods sometime because Apple kind of restricts it from them having them so this results here with no other choice but to go to Apple and go the Apples repair centers and that could result in a much more expensive repair charge


then the thing is that, they they and even though the repair cost might be the repair cost might just be very high and they might just recommend you to get a new device instead instead of spending more money on the current one


there are also some cases where you like spend money repairing it then after some time it breaks down again then you have to go repair it so then they just go and tell you to buy a new device so in the end they ended profiting more from the amount of money you spent on that devices on the services and goods ya


positive product discussion, ya


okay for me I'll start with the this about the utility com service encounter so just happen a few days back so I was like reorganizing all the cables for my for my TV and internet


then there was this board where the internet optical fiber cable is supposed to connect then I connect the ethernet cables to it, I think I connected it wrongly then because of it something got messed up and it wasn't working anymore than I had called the StarHub customer service so I got to talk


to them for a brief explain to them my problem and they told that because of the way I connected to wires like the server was disrupted then they had to reset everything so I was it was done quite fast like within ten minutes everything was done then I could


connect the wires properly then the internet was working fine so say that there was a very positive experience for me because the customer service the it was very fast and, it wasn't much of a hassle to call them the waiting time wasn't a lot either so ya that would be a very positive impression for me on StarHub


I think for me want talk about health and wellness about healthcare like few year few years back I had sprain my ankle I had to go to the hospital so at that at that point of time I wasn't very sure if it was an it was a fracture or a sprain


so the entire process was really smooth they had a proper it was properly organized from like which stop which stop I had to go my entire visit took about maybe three hours there wasn't much waiting time as it was in the afternoon


I've I would say that the entire experienced in that hospital about the checking of my ankle thing think that X-ray and, all that stuff was very smooth as a very pleasant experience there wasn't much disorganization in the hospital and everything went very smoothly so that was a really positive experience for me because


it's because of mainly because of the how organized everything was inside, then also for the number two, the specific conditions about the nice dining experience so recently I went with my friends to a korean barbecue at orchard


it was a very positive experience overall what attracted what made me what attracted me was the there wasn't a time limit for that dining experience so you could stay there as long as you want so we stay there for about two hours


and the food there was I would say was very fresh it wasn't very old or stale, or have been out for very long they were consistently and continually changing the changing and like filling up the food trays very regularly and it wasn't left out for very long


then the taste of the dish is also quite good I would say the marinate they used was very palatable and it was and it was easy to eat there wasn't too spicy or too salty or anything like that, then as for the waiting time we had a short wait but is understandable that as it was like the lunchtime so a lot of people waiting outside


then I think for innovation part of it, they had those like vacuum plates on top of the korean barbecue to like sucking the smoke so that the people who are eating it won't smell won't smell like that smoke because there are some places which it don't have that vacuum pipe thing on top of the barbecue grill


so that the people who are eating the food will have a smoky smell to them so I feel that, installing that vacuum on top of the grill helped as that we won't smell like smoke and we like just be completely normal after the dining experience lah ya


so the pricing was also very good less than twenty dollars I would say is very value for money also there was a student promotion so, that made it exceptionally like very value for money lah ya


I won't say all places offer such value in terms of the quality and they and their experience you get I feel that there was one of the places I have very positive overall experience


ya, talking about gyms for me I wouldn't say it was a very positive experience at first because I go to my local ActiveSG gym and I don't take a gym membership is like you pay per entry so it's about two dollar fifty cents per entry and you can stay there as long as you want in that one session


so the problem out that for me was that it was usually very crowded no matter which time you go, for example if you want to use like the bench press machine there at least five people rotating that machine so it's like very troublesome to


and like a waste of time as well you know to like for your turn in order to use that particular machine, but that was in the past before COVID nineteen happen but when COVID nineteen happen the gym took special measures to like implement like uh maximum capacity in the gym


and the opening hours were extended as well and because of this I would say I had a overall better experience during the COVID nineteen period like as currently this because


due to the maximum capacity the number of people inside the gym were much more lesser signifant significantly lesser I would say at least half the usual crowd so that was very


that was very nice I would say I don't have to take turns or I don't have to spend a lot of time at the gym and I can spend like a very short amount of time, but in but


even though they increase they reduce the they they share a limit to the amount of people who could in be using the gym at once they also implemented a time limit for the sessions so before use to be unlimited you can say that as long as you want that one session but now it's


one and a half hour per session, but the thing is that it will let's say usual gym session is about three hours but you have a one and a half-hour here but the thing is that aren't as many people before and so that means you have to wait lesser time


to use the gym machines and because of that you can finish a normal three hour workout in one and a half hours so I feel that during the COVID nineteen period these changes which were made to the gym made it, made made it such that you can do a lot more things in a in lesser time so I feel that I have much more overall positive experience during the COVID nineteen time than before it when there were no time limits or maximum capacities implemented ya


about your first point on Samsung's packaging I kind of agree with that as well


because good let's say like the more popular brands or smartphones such as Apple and Samsung they keep a lot of, care and innovation into that packaging so you have a good overall experience for example the Samsung phone once you open the case the first thing you see is the phone and they have that sticker on that phone when you peel it off it's very satisfying experience I would say for many


that straight away like satisfied feeling in the consumer then underneath the phone they have the charger plugged the charger and also an earpiece, I would say that many not many but some of the other more budget brands out there who fills smartphone for cheaper price they have


ya of course they have lesser like, like, the phone isn't as good as the more expensive phone but but the packaging isn't as good as well it's just usually it just the phone and some


ear piece or like charging part of much much cheaper quality so I feel that the amount of money you pay more to get the better more branded phone is worth it because the quality is good and the overall experience will be a much better one than those of budget devices


okay uh my name is my name is <P1>vinai ranjen ravi</P1> the prompt is personal finance so uh I think in my opinion personal finance is is is is extremely important to every individual because


it enables them to know better of to know to understand what they're spending on an as well and is able to make them understand how they able to better, address certain issues that might they might face with the money that they have


so I feel that the education that I feel that much education must be given to this so that so that every single individual is able to, , know where would which the best way to potentially maybe invest or maybe how to just uh have good make good money-making opportunities for them as well


so I feel that this kind of personal finance must be started from a very young age maybe from, I say in secondary school because they because the students have the maturity to be able to actually learn how to do this and if it's built if is built in from as a habit from a very young age


students will be will be able to make better financial decisions when they, uh when they grow older, so, uh I think that's that's my view on, how personal finance could potentially be started off and inculcated in students in the first place


I think in the in the, in the long term as the student grows up I feel that they must be I would say certain solutions being implemented or policies that's able to, uh encourage the students to be able to make better decisions in in their finances so that


along the way they with the with the different experiences that they face they're able to make better uh financial decisions in the in the long run as well okay so uh I think I pass my time to Harsha


okay I think I agree with you Harsha, but so what I also think that, uh could be done as like what you what you say I think in terms of income there must be definitely some education given because I feel that in terms, of earning extra income or to improve the income level is not very


prominent I would say prominent in singapore because I feel that many people they are they there are many dependent on their own job to earn income so, in a sense they are they're they're mainly competitive in their job and they're trying to build up their income through working harder which although might work to a certain extent I feel that there are many other ways which could potentially be easier


and can enable them to actually improve their income level so for instance I think one could be investment as well there's there's one way they could uh improve their income level, but I would say, to uh uh I would say that to a larger extent I think improving the income level must also be uh cultivated uh by I think


in in the company where the person is working in because if he's able to discuss with potentially is employer or maybe uh employer or maybe his colleagues how to improve their income they could this could be basically uh make each of them have a better idea on how to do so


and I feel uh such such a thing about improving income is actually very prominent in today's age especially the COVID times because now many people have lost their job and this is especially when is key for people to know how to improve their income, because I


I would say that it I would say that depending on a job at this point of time is not going to work because firstly there's many jobs which have been closed down, so that is that for I would say for, our question number eight and I think, we can ya so


uh so that is that's for question uh that's for point number eight I think now we can move on to point number nine which is do you think one should own a credit card so regarding this topic I feel it's a it's a bit controversial as well because, in because


it's a very key thing especially among uh students like students my age where like this because now we're moving into the adult adulthood and it's always the question whether we should own a credit card now or should we just depend on like our parents to buy things or have a joint bank account for that matter


so I think regarding credit card I would agree with the statement that, that one should definitely on a credit card only if they're above a certain age like in the in when they are around for uh fifteen to sixteen years old because then they have the they most of them would have the majority as to how to use the credit card because credit card means that you are instilling like independence in the person and they're able to buy things without


uh any added restrictions without without much restrictions from maybe their parents so, I think there must be a certain age range where one should own a credit card and I feel that, actually only a credit card by students is very is actually very important as well because it will basically teach them on how to use this how do you such credit cards and like the


and know certain key terms like rebates benefits which, after learning, when they become an adult they able to, use these skills that they have in this experiences by owning a credit card and actually make better financial decision decisions in the in the long term as well because through learning through knowing


uh what rebates they get what benefits they get they able to know which is the most worth for money place, to buy certain goods as well, so I'll pass my time to Harsha


okay I think after hearing what you said I think I I would actually, I can understand which point of view you're coming from because, this is the because student this is the first time that they are actually trying to get like uh cashless payment so I agree that if they want to get a credit card that it would actually


some of them I uh or uh or maybe most of them might not be able to handle it properly because they have like, the freedom to do whatever they want and then if they are able to take as much loan then it will just mean that they would, ignore about the future costs, which could be like they dealing so much that they unable to pay back on their


or it will just affect their parents as well, so I think I agree with that point


ya I think there's there's that the that's actually a good point actually right there because I think NS is also a very good point is a is a situation where like many males they go through like a lot of changes, so, through this period of time potentially it could affect their financial standing as well through this uh to your journey


so I think uh we can <B>, point number sixty which is like in a post COVID world what changes are you making in terms of your spending or savings habits so, I think regarding this point


I would say that, because COVID has affected all of us uh greatly and it is to continue to affect us in terms of changing it is natural that it is natural for all of us to, be a bit more passive in our spending


which is which is a very common thing that's happening nowadays because for me for instance for me like I do not spend as much on, things uh materialistic goods as I did in the past because now the economy is very, uncertain however at the same time like, there are arguments made as well that


that the that people must spend more so that, it can increase it can actually help the government in recovering through this uh pandemic in terms of uh in terms of economic growth which is also a valid point so I think, which which is which is why the government uh


gives us gives us incentives in, trying to encourage in trying to encourage us to spend more which I think is a very good uh which is which is very good which is very good uh action made by the government as well, and I feel that, there will there will there will there will always be certain people that will continue to be passive through this uh COVID world


because through through oppose this COVID world because they they are still oh wait they're concerned they're very concerned about the future and they are and they're concern about the uncertainty, so it's natural for them to feel that way, however at the same time they'll they'll also be the group of people which just continue to just live their life how they how it was or with maybe minor changes in their livelihood


so in terms of that I feel that, at the end of the day it should it should be better it is the individual that decides how they want to change their spending or saving habits and, I feel that as long as they're able to live uh


uh live a life where like they they're it ensures their income is, relatively safe I think uh that should be the first priority before they're able to this they're able to change their spending or saving habits


ya I think there're that that's that's a good point as well because we need to look at the broader picture of the nation because it at the end of the day if like many many companies if they're failing then the nation would also declined in terms of the economic growth so


it's actually is also important to to uh think about the broader the broader the broader picture as well when you're deciding your spending and saving habits which is which is something which is rare in people because they would normally be, concerned about their own standard of living which is natural in such a such a crisis but I think uh there was also be education made


uh, there must be education done to these people to enable them to, actually uh, actually be encouraged and and to encourage them to actually think about the what about their own country and how they would want how they would want it to recover from the from the economy growth or how they they want it to recover from this pandemic as well so may be Harsha you can choose another topic


okay yes I think I agree to your point to a certain extent because it's definitely important for the majority of the people, to ensure that they have a secured pay, a secured amount of money that they could use when they retire which is which is exactly what the government is doing to


ensure that this people have a have a good pay in the in the future uh sorry that's not good pay, have a have a good amount of uh, steady steady money in the future that's able to sustain their life, however I do uh I however uh here's the part where I disagree with your point which is on, which is which is that it affects certain groups of people not not not the majority but just a certain group of people which are the more relatively rich because


this CPF contribution means that these these are relatively richer people I need are unable to fully utilize their entire sum of money to maybe invest or grow their business, because this relatively rich people are the ones who probably own like larger businesses or have their or maybe uh have other means of earning income and if they were to contribute to such CPF


the contribute to CPF then it would mean that they would not be able to maximize the profits that they get


ya correct so I think I because I think that the government is going from a point of view where like is trying to, make it safe for its citizens like in a way that it's just assuming that its citizens may not know the best ways to invest or grow their income so CPF contribution is a way to ensure that the citizens have a fixed amount of money in the future so that the government would not need to help these citizens as much


as compared to like let's say if there wasn't any CPF so I feel that overall I'll still agree that CPF contribution is necessary because, it's definitely necessary for a small country like singapore because it's able to manage it easily the group of uh that's lesser groups of this there's lesser different groups of people because for other countries bigger countries like america such CPF contribution would actually


potentially be a disaster because there are uh very there's the socio-economic status of people is very extreme so, definitely there will be uh a lot of rich people who are actually voice out and will not like this which will actually affect the economy of the country because they might potentially leave the country and might not want to like work or start their business in that country so I feel that in terms of singapore CPF contribution does


negative product review


okay I think uh talk about bring about your point I think I also have another major like negative product experience which I had but this was actually uh overseas uh this was actually in, uh, indonesia actually because uh when when I wanted to buy some clothing uh actually me and my family we went to the mall


tourist uh we went to the more like tourist uh tourist favourite areas which is actually a mistake on our part because these are the places where the people are trying to like encourages us to buy, things that are more exorbitant price and the thing is


when we actually enter the shop, we, we wanted to try the different types of uh clothing that was there but, the person who was selling us uh, they he was just giving us a random price like he wasn't even like there was no list, with a fixed number of price he was just telling a price so you will actually quite surprised when another customer came in and he told them a different price so this actually made us like suspicious on suspicious of it but we actually just ignored ignored suspicion we just thought it was normal


so then we move on to uh actually buying the product because after we selected we spend like uh one hour selecting the product then we realise that, is actually different materials of the same product which is actually sold by the same company same out same shop which is which is something which uh I think my sister was especially angry about because the person didn't even tell us that there are


different with deals of the same product and which are which are different prices because we wanted something that was, , uh relatively like more cheaper compared to, cotton but then, but then uh, the person that the the shop owner didn't tell us about that so I think that was extremely uh very dishonest of the person because he didn't really give us a bigger idea of what the product is and what was being sold


so uh after this we actually, uh returned the product that we that we didn't want which was actually which which I must say I was quite surprised that they actually accepted the thing because I think they did because I think uh there's many tourists in the same area as well so I'm I'm guessing they didn't they didn't want to


uh escalate the matter by saying that oh we wouldn't accept such a product so I think there was uh I think it's a quite a bit uh it was a very negative experiences that we had because uh we felt a bit cheated through this journey overseas, but regarding I think this is actually overseas I haven't really had a very serious negative product review experience in singapore because I think of of it restricted rules


and regulations so I mean the, often times these negative product review uh I just threw on


the geography workbook, at the the workbooks for geography and history, uh they were actually like kind of the worksheet actually torn out the thing, because I am I'm assuming that the student the previous students submitted it to the teacher so I think


I would definitely say that's , this is partially my fault because I should have known that workbooks would have already been, tampered with before so I think regarding negative product review I think to an extent it can definitely be


uh resolved, by, if consumers have a better idea if consumers have a better idea on, what, on how on on what could potentially happen to the product after going through the fingers of people because for things like for things like books uh on it things like workbooks which uh which where where like uh person has to has to use uh


you have to do something to write or tamper with it I think uh customer should not buy such a thing but for things such as like shirts, which uh actually have worn and wash again I think I think this this kind of things can be actually worn so definitely uh


uh negative product reviews uh I would say that, in singapore is less common compared to other countries


I think uh another thing I would like to bring up, for negative experience would actually be, uh for relating to banks, so, uh this actually is this didn't really happen to me but is actually to my uh father's brother who actually like lives in singapore but is a citizen of actually indonesia so


the thing is , because he has some banks, which he calls to indonesia the service is actually quite poor because whenever he wants, to request for something let's say a password change it usually takes like two weeks compared to singapore banks which are much more efficient which will take like just uh just few days or just instant instantly so the thing is because he works he works in singapore he he he's used to the singapore life lifestyle and uh singapore like service which is very fast


so often times the, often times such such bank services in in our say relatively uh less developed countries, there are much more poor and although it might be quite normal to citizens living in that country I would say that to other people who actually


has uh who actually like, who actually has has has a service in the bank in that country I think that, they will definitely be the most affected by it because they're they're just not used to it so I could because constantly I always hear <B>


in just take in just carrying out some simple things like just resetting a password, so I think that this kind of thing, should actually be addressed


uh depending should be addressed depending on uh how extreme the issue is so, I think if let's say is a relatively smaller bank, I think this kind of thing is normal but if let's say the bank is uh more international I would say that such a issue must be resolved quickly because in fact it will it will affect many many people across the globe so uh that's for bank


bank bank services and another thing I would like to


ya uh another thing is also like what you said like waiting in lines also this is this is especially like dangerous as well during the COVID period because if automation is very poor and poor, many people have to actually go have to physically go to the place to carry out their tasks which uh is happening


quite relatively prominently and that's the reason why like the COVID cases are also rising exponentially in these countries as well, but, so I say I feel that such such such things must be addressed quickly because I don't think it's only like negative product review which is just affects the company because these kind of small details will will bring about larger like long term impacts which could affect the country so if from a more relatively like smaller scale to a larger scale and


another thing regarding uh negative product review is also I think that, certain companies might also, might also like, either ignore or they might just not consider some of the unintended consequences so for instance like, I was mentioning just now regarding like


Apple products where they will actually where Apple is trying to cut down on its uh in cut down on the hardware hardware like sorry external hardware components that they they will give such as ear pieces and the charger, so I feel that although this might seem like


extreme extremely good on paper in terms like increasing profits for them I will say that, they might have not they they they might have not considered the point about how like, uh other people uh this might actually be a burden to other people firstly those who do not have who have not own a Apple product before and the second thing would be on


those like on those who may not be in the home way may not be as environment friendly as others and like are just concerned about their own uh benefits so, this might affect them because this might mean that if they if they are unable to get like charger and earpieces which are very basic things that every phone should have


this would mean that they would they would ultimately give a negative rating to such uh top companies like Apple so I feel that certain companies must also like take the take the action to fully understand all the consequences that they have if they were to carry out certain policies or like if they were to sell products in a particular way


so I think that , uh companies was also to do their part along with uh normal consumers who must also ensure that they take, the, necessary precaution and know what product


will what what product will, will definitely be bad, or will be poor and, and also what product is relatively better, so I think is like both both of these stakeholders must also like know how to play a part so cause because this can definitely with definitely


resolve negative product uh reviews to a larger extent


positive re product review, okay, so hi regarding positive product review I feel that uh I think we have a lot to share regarding this because uh, in a sense that we have actually viewed


how products are sold as well as we had we we ourselves have actually sold, products through maybe like online platforms as well and actually even given per product reviews true uh where you buy things online so personally for me, when I


I have actually ordered multiple products from like e-commerce platforms like Carousell, so in a sense that some of some of the experiences are like extremely are extremely good because the products was better than more was more was actually shown on the, on the images as uh image as it which was very surprising so for instance for me


, I actually had wanted to buy, uh second hand phone online, on Carousell so, the things uh it on first look, the phone looked like it was, quite


bad uh it was it was quite like scratched up but however like after actually getting the product it was better than expected so I think this kind of thing is actually very rare in products because normally is the other way around where the actual product will look worse than the image so this actually exceeded my expectations because I was


at that point of time was quite desperate to just get a phone that could work because I had actually broken my old phone, so, in this sense I think this is one of the very rare experiences that I had and also, in terms of uh the quality as well as a delivery time it was also uh very great because when I when I went to meet the person


uh, met me the person he had he was actually came on time and actually earlier so I think there was a great uh product experience for me when I was when I was purchasing the phone on Carousell ya


okay and okay that's actually a good that's actually a good start that's a good one actually cause I think I also uh uh face similar like experiences before which is actually very like


pleasant it's pleasant it's pleasantly surprising, and also personally for me, , uh I will be I I'll also move on to like talking about how , as a seller how was product reviews like presented to me so actually were like part-time in challenger


uh last year during the holiday so I think during that period of time I was also like trying to encourage people you know in challenges to like buy things and I would say that there are certain, uh moments where like certain people they actually uh like congratulate congratulated like me as well as the the the company as well like for uh certain products that itself because the way that it packages it as well as the way that it presents it to people it's actually very useful I mean very useful and very like uh easy to use so


in the in that is also a very nice uh compliment and it's a very nice experience, uh for me to have as well regarding uh me in be me being in the seller's perspective because I think it's also important that both buyers and sellers experience uh good product review in their


uh in their path so, also regarding uh, uh glaring point number two which is on like staycation in a holiday staycation slash holiday in hotel so uh, as in for example when I went to


thailand I would say that the services in terms services in terms of the the services is actually very good because the, the employers and the employees over, there they actually are able to handle their guest very well and are able to take care of the needs uh extremely well so


I would say that such services, where there's a lot of people from different parts of the world coming must be able to experience such a good, uh experience such such must be able to experience such a thing, regularly because it will basically improve the standards of <B>


uh portray the


the countries and the company as being uh more high class if you will in that way


okay and then uh I will think I will talk about another point maybe it regarding uh never mind regarding point number or like maybe gym membership, which is in this uh which isn't this uh email here so I think regarding gym membership I think I have have a very I have some experience on it because I don't really go to the gym regularly however I do have uh my sister's membership for the gym so


I feel that, gym membership definitely for me I've I've constantly constantly felt good positive I have, I have I, basically my experience has been uh positive throughout because whenever I go to the, to the to the one it called the


it's called the one on uh, the third the the fitness I think yes it called the it's it's called the easy fitness which is like uh very, it's not really that prominent but it is there which is, and and I I go to that regularly because firstly the the the cost is actually quite cheap and also


the equipment I would say is definitely very uh well to do because I I feel that such a such a thing is the case because of, how uh rare it is to find such as such outlets of this easy fitness, so that's why, due to less people actually visiting this this gym


I I could have potentially uh experienced good, uh good experiences through this uh gym as well, but I feel that, such a such a gym membership it really depends on each person because it depends on his physical and mental uh ability to actually go to the gym because


sometimes a person who might, who might be, who might be I would say slightly unfit and will try and they trying to go to the gym might, might might actually and and might not be able to do most most of the majority activities might just say that the that the gym membership is quite


pointless but in in in in actual fact is actually due to himself who is unable to do some of the activity so I think regarding positive product review I think there are also be aware to maybe differentiate between like actual comments based on like


the service or the good itself, and also uh some certain comments which are like more personal, which I would say is definitely very hard in this with it with our current technology so they might be a might be a bit ambiguous to actually differentiate between them


and but I feel that that such a thing is important because uh then he's able to ensure that the company or company which is which which selling the product or service is able to better improved through like more, informative and more like reliable comments from people


, ya that's that's that's that for gym membership


okay uh I think now I'll be moving on to number four which is on uh electronic device so I think, throughout my entire experience of owning a electronic device I think I have positive experiences throughout it throughout every single phone because I feel that,


it has it has been working well and only it'll it'll only starts malfunctioning at the later part which is normal for every single old phone so I'll say that, regarding phones I think I'm very impressed by the way they actually like package it because in a box in a very small box with a phone phone and the ear piece and


what all like I'm I think that is the start of how people are able to give a positive product review of the mobile device through the box through the packaging because, uh for me like personally I won't like a Samsung phone and I'm also impressed by the way they package it cause they will put the phone on top and all of the other accessories below it in a very small packaging which is very easy for anyone to use and the good thing about uh


Samsung and an actually Android companies is that they will actually give in extra features such as like the casing and built-in screen protector feature basically make customer feel more impressed about device and definitely give a greater product review on it, so I feel


these kind of small details are important, for, a person owning an electronic device to actually give a good positive review because there are multiple external features which people require when they're using like using a phone because it's it's not just the phone itself you knows it it's things like ear piece as well as like charger


and, I do understand that there have been some rumor depth in sorry some, , uh reports by Apple where they will actually want to, not uh provide the charger or provide the earpiece as they will want to be more environmentally friendly so they will just provide the phone


so I think that such a thing because people are not so adapted to it not many people are as environment friendly as Apple might think I think that could potentially lead to uh more negative product review in that sense but I think I will talk more about that later on in topic three so for now I think


as a whole for my for only electric devices I have I have complete uh positive reviews on it and, I often buy I at the end whenever I want to like change my phone and buy a new app new phone I will actually buy it online because it's much more cheaper compared to buying from like retail outlets like Singtel so and I'm also impressed by the packaging there so I'll I bought my current Samsung phone actually from Lazada


so the way that they package it, with the bubble wrap shows that, the product so that they actually care about the customers uh customers like care about the quality of the product they would like to give to the customer, and also, Lazada in particular for certain uh outlet that's actually sell this phones they actually have


very good , they're very good they have they have people who are very live on, the question and answer section of the product because they are able to answer people's questions very easily and very readily very quickly so people are able to clarify that doubts as well which I think is also a very good


uh feature a very good quality that certain uh phone outlets might have because some people might not know all of the features and functions of a phone so this could actually enable them to do actually aid them in improving their product product experience as well


so do you have personal insurance


so basically my health insurance covers, hospitalisation it's, probably the most like basic health insurance there is, so it's like the, it's like the lower tier one where you know you


might not necessarily get covered for though, like, any test so you only gets covered when like you're, admitted in the hospital, after a certain period of time so I guess uh I feel that


that the insurance that I have might not be, ideal cause you know it might deter people from, wanting to, go to the hospital when they're not, feeling well, because they are afraid that they cannot afford it, so I feel that, it is important for us that as we age to actually consider taking up new insurance plans because


our needs might, differ as we age so maybe like you know because I'm under AIA so is better for me if you know I have frequent meetings with, my insurance agent, , under AIA as well, to you know come up with new types of insurance policies that I can actually


benefit from because, in in that sense now it won't be very


I think so but I think since that since it's covering since it's a private hospital insurance covered I feel that, , it's only natural that people will have to pay more, for it for the insurance so it really depends on the your affordability and how much you are willing to give up from your disposable income to pay for your health insurance and how important you as a person feel like


it is so if you are someone who prefers you know to go to a private hospital you rather have things done more quickly it is more ideal for you to have to need to pay more, so I think it comes like there is a balance to it I guess


it should still be seen as a privilege, cause, it really depends on like the person and, the ability to afford lah because some people they can't afford to, pay that much amount of money every month for them to be covered for private insurance, so if it it if someone who is like more prone to getting ill then and they are able to


fork out the amount then of course it makes sense for them to do that, but then you know for people who might be from the lower income status it is, more ideal and rational for them to consider taking, a more affordable insurance for them, selves


so that they won't be deterred from actually going down so I feel that it shouldn't be really about, the distinction between like, private and public insurance but it should be more of like, the scope that it covers so it shouldn't just mainly cover like


uh, hospitalisation they should cover like test, and stuff even if it's in a public hospital so it in that sense people won't be so deterred in, you know the affordability gap should be bridged in the sense of the scope of the insurance and not whether or not it is a public or private insurance


uh actually I do uh my endowment plan is actually with OCBC, BC, so it is actually a ten year plan, where I have to put in , cash every five, every year for five years


and the interest will accumulate for ten years, so I feel that, this plan although it requires a minimum sum of like ten thousand dollars I feel that because of the guaranteed amounts that you'll be able to get back and the fact that it accumulates for five years and additional five years without you having to put additional funds in it I feel that it is


beneficial, I feel that it is a good way of saving in that sense because you , are able to set aside funds that <B>, for maybe ten years down the road that you might actually need, so in that sense you have


a good amount of savings for when you reach, the age like you know where all the big expenses might start to kick in, ya so I feel that the max endowment insurance was one of the, insurance that I found to be quite beneficial


for me and is under OCBC ya so do you have any ya but, I mean there's always a risk in the sense that you know the sum that they tell you that you might get at the end of the five the ten years it's not necessarily going to be


the plan that is not you might not necessarily get that amount, so you so it really depends there's always a risk for a situation like that


of course they do to a certain extent but then part of it also comes from your ability to discern how safe you think this endowment plan is for you, because some people they might sugar coat it and tell you that you know you will definitely get this amount at the end of the day but then, you know you


need to be certain for yourself and you need to really read the fine print because when you actually read the fine print they actually tell you that that's not your assured amount that's just your projected amount and that is based on the highest rate at which the market can operate, so, in that sense you know there's always a risk and if you don't take these


, this factors into consideration then you're definitely not going to benefit from it in the long run because you know if, say they tell you that you will get seventy K at the end of like your your investment your insurance plan right and then you end up getting maybe fifty or sixty K you might feel very cheated


so I feel that you know you , bankers or tellers at, that point of time they need to be very clear with the customer that they're selling to, what they're actually getting at the end of the day because it is very easy for people to misinterpret especially when you know it's


so in that case do you think that it is more worth it to have an endowment plan or an investment-linked <B>


in that sense you know if you see endowment plans and investment plans right there's always like a, there's always a fixed assured amount even though it might not be, , a very significant amount over what you put in it there is still an assured amount so in that sense


do you feel that it is still risky if you are looking to just make sure that you have an avenue for you to save your money


so in that sense would you consider it still because you look at it as an avenue to save your money or would you just not want to because you don't feel that the insurance the profit that you will yield from it it's going to be <B>


investment-linked policies are more <B>, you go for a period of time without getting any , without getting any, assured amount, so you know some uh


investment agencies they maybe for your first three years if you put in money you won't get anything back, so you have to make sure that you're consistent with putting in the money then maybe after a while you will get, certain amount of money back but it might not be


the total amount that you put in, so it'll only be guaranteed to you when you get it back, when you, when say you end your, cycle, the whole payment cycle when you end it then that is only when your full amount that you have contributed will be guaranteed to you


ya so for endowment plans is basically you can take it out at anytime but the amount of money that you get will definitely be significant significantly lesser than what you've put in, ya so because I've had my experiences with both endowment plans and investment-linked policies


so in that sense I, believe and I feel that they, are both, risky in the sense that, if you, unable to commit financially to it consistently there will always be a risk that you will lose money


but if you are able to stick to it I feel that an endowment plan might be more stable for you in the long run because it really depends on the market rates under the banks and when it's under banks it is more stable so it might not fluctuate that badly, but then for investments they look at the market and how the market works and given like the very like ever-changing and uncertain like climates that market are facing now


it it can be very risky in the future, ya so it might make sense now but then when the market starts to shift and change in the future it might not be very ideal because you know you invest in this for maybe thirty years are the is the minimum term for some company so you invest for such a long time without getting you know a certainty on how much you will get back in the future can be


quite scared, it might seem very skeptical, so what what, age do you think is the right age to start having an endowment plan or insurance, or investment linked policies for yourself


and all the other essentials in your life that when you get a house when you buy a car, when you have children I think it is very important, to <B>, even though there is an added cost I feel that it is necessary because you can never predict what can go wrong


and when it does you want to be prepared and you don't want to be left at, a in a situation where you don't know what you want to do, so I feel that, it is very important and I feel that currently what we have you know the ones that the government has provided for us


though it takes up a lot of our finances in the sense that you know is twenty percent of our income, or and it is well prepared in the sense that, the that twenty percent it is split into different aspects that we can use even though, that is, well-thought and well-planned


it might not necessarily always be enough, because given like the like , the situation and the climate that we live in now money is something that everybody needs in order to get ahead so sometimes it is very difficult to choose solely rely on like


the insurance policies that the government has, left for us, or has you know planned out for us, so I believe that, as much as you know Medisave comes into play when you go to a hospital there's only so much Medisave amount that you can use


so in that sense , ya so in that sense I don't think that it's very ideal I feel that it's important you know you have a backup like health insurance and a proper health insurance that covers you completely and fully in the sense that you will feel, assured when you're going to the hospital you won't have like the last thing that you need to worry about is the finances because


that is like the last thing you want to think about when you're actually going in to find out there's anything wrong with yourself, so I feel in that sense it is very important to balance the financial burden and the mental, strain that you put on yourself in terms of finance so in order to avoid all of this in the first place it is better to


come in prepared


negative experience, okay, so what has been one of the most , distinct negative experiences that you have experienced


actually regarding food delivery quite a few lah, like , I think the main one would be food taking really long to arrive, and then when it does then you realize that it's wrong it's not the right one I've once had that experience where I actually order bubble tea and they took like an hour to be delivered to my house when the restaurant was just like ten minutes away and then even when it arrived it was the wrong drink it was the wrong order


so I thought that that was very ineffective and I didn't actually get any compensation, and you know at that point of time you don't really get to tell like you don't really get to tell the driver that they made a mistake cause, the driver can't do anything at that point in time so when by the time you contact the restaurant it's already too late and you know they don't really bother to send you a new order and if it's especially if it's during closing time you order just before they're going to close they won't do anything to compensate you if they get it wrong


so I think that was one sorry, ya definitely but they just didn't get back to me I guess, because you know once the orders that once the orders says it's completed right then you can't really go back to the order again


then you can't really like contact anybody regarding the order, ya so, ya but then like there's nothing you can really do lah so I just avoided ordering from that restaurant again, and then I think another one was, the


delivery drivers delivering it to the wrong address I had that before, I felt that that was very unacceptable because you know ah they leave it on the door steps of your neighbor's house and you have to go down all the way there to take it you don't know which floor they left it on also


so then you, have to just go searching for your food and then most of the time it's late as well, so you don't like then it's very hard you know to go and find your food then there was once, deliver to the wrong block, and it took us so long to figure out where it was and like what we could do because you couldn't contact anybody about it


no I couldn't cause the driver said like it was already delivered right so you can't communicate to them again, ya so then that's I feel that, it that something that food, delivery drivers and the companies need to really work on to ensure that you know the people who are working for them they


they have a very like standard of they have a standardized operating procedure to make sure that you know they check off the to make sure that is definitely the correct address that they, deliver to to make sure that it arrives on time you know sometimes you can understand that if there are delays but if it's going to be consistently happening I don't think that is fair to the consumers


especially given the fact that you are paying for delivery fees you're paying for marked up prices, for all the prices that the restaurant provide so I feel that it's only like, right on them like it is only like, , right that you know they put in that extra effort for the extra money that they are receiving


to make sure that, whatever they provide to the customer is of utmost quality, ya and then, another like incident that I experienced recently so basically I've always wanted to have a waffle maker


so I actually finally went to Harvey Norman and I wanted to purchase a waffle maker so, on the, lady who assisted me she was actually a trainee, so, she actually was really friendly really nice she actually gave me a further discount on the waffle maker that I wanted to buy so


she gave me about uh three to four dollar discount, on the waffle maker so I was actually very happy with the purchase especially being able to have gotten it at a cheaper price and I even got opted for extended uh warranty so you know just in case anything went wrong I will be covered for a substantial amount of time so then when I actually


when I was actually settling the warranty they told me that, you know if there's anything wrong you just give us a call we will send our officers over to pick up the item and send it for repair for you so I was very pleasantly like, surprised by that because not a lot of staff actually


not a lot of companies electrical companies especially not of that not all of them actually go out of their way to, do this for you, so I thought that that was very , very I like very unusual, like too good to be true, and it and that was actually the case because actually the first time I use the waffle machine right there was like white smoke coming out of the machine so that didn't really look right to me


but I just continue using it I thought it just because it's like new or something you know, but then , the second time I use it there it led to a power, power cut uh , ya power trip ah


in my house so the at the all the electricity in my house went off, so I was very shocked that I thought that you know it wasn't the waffle maker but then after a few tries you know we realise that it actually was, so it was very frustrating in the sense that it was only my second time using the machine and it wasn't working anymore


so I actually made a call to Harvey to Harvey Norman and Kenwood because that's where the waffle maker is from I called both of them and both of them told me that, they sounded like you know this situation has happened before it's a common situation that they encounter with this waffle maker


so that, in itself already put me off and then , to make things worse they told me that I had to go down to the, to the service centre and it wouldn't actually be uh, it wouldn't actually mean them coming to collect it from me they I had to go down and bring it down then have a queue in line waiting for them and all that waiting for my


turn to be served, then I just felt that it was very unfair to me because Harvey Norman and Kenwood didn't work together to communicate that, actual procedure of what to you, so I don't think that was fair for me to have experienced that and I didn't think that it was fair for them to expect me to have to go all the way down uh given like my busy schedule so I thought that that was pretty frustrating on my end


given the fact that they were very unwilling to make exceptions even though that was what I was being told and I could have called the, lady who was in charge to actually ask her and clarify like, you know you actually told me this but then


you, in the end your company didn't follow through with it, you know, so I think that was a very negative experience that I experience recently and something that I hope other people wouldn't have to go through because it's really serves an inconvenience given the fact that I actually put in the effort to


take up extra warranty and it didn't even last the year or let alone the month


so basically I actually went to cambodia to have a for a school <B>, the hotel condition was pretty bad like it wasn't really clean


I could tell that the bed sheets weren't new and the toilet wasn't cleaned all, so I think in that, ah I wasn't really sure cause this happened in primary school, so ya but I still I~<B>


cause how bad it was ah, so it was very, frustrating in that sense because we were on a school trip and we couldn't do anything about it so we just had to put up with it and we had to deal with it and even the teachers at such short notice they couldn't afford to change the hotels or anything like that so in that sense it was very hard for us to deal with that lah


so I thought that that was pretty inconvenient for us and it was quite hard for us to have to deal with so you know naturally if the condition of the room is in that state you worry about how the food is going to be like you wonder if the food is going to be safe and all that, so that was always constantly in our minds when we were there and there was thank god it was only for two or three days that we had to stay there and after that we could leave the place lah


ya, the service was okay I think the service compensated lah for everything else


I think for me right on the flip side of it right it was it's more of like the fact that you know having been having had experiences in customer service, like I've worked to as a customer service associate before so I have actually because when I first entered I was really new so


I didn't really have much experience in anything, so in the sense that I had to deal with a different customer so she actually asked me to wrap a present that she had bought, for, for help one of her friends lah it was a purchase and she had asked me to wrap it and there was no senior staff around at that time and then she said that she was in the rush so I said


I'm not , I'm not able to do that because I'm not trained in it, so you know, ya so but then she insisted for me to do it so when I did it and it was not up to I just said that okay I'll try to do it until my, superior arrives lah


so when I actually did it until, when I did it, until she had arrived, when my superior had arrived the the customer actually just ranted to her regarding my service so I, thought that that was a negative experience for me lah because


you know I had already clarified with her and all of that so I think


positive experience, okay so uh to, start off very briefly uh


a positive experience I've had over the phone was actually just yesterday because I was actually calling to enquire regarding food delivery, from , HolyCrab you know uh it's a crab, restaurant in


Bugis if I'm not wrong so I actually been there before, and I found that the food there was really good including like the fried rice and the crab they have an assortment of really nice flavors, so I believe that you know , when we went when we when my family and I went there their service was really good