but so to so to say uh you also have to uh think of things such as safety of the item whether is it a low quality but is it safe to use it if it's haphazard to use it then definitely you should not be using it lah , so all in all I think that quality definitely beats the it's not a question for the money and I think quality definitely is very important in whatever products that we use


part one finance, number one is we did apply for


HDB grant as a married couple, uh actually they give us as a first timer when we applied for our BTO


is a renovation loan, uh but the features ya we forgot already about the features it's a renovation loan lah, ya, but right now uh we don't use any loan for during renovating our house because we got it uh we paid with our cash proceeds


ah ah some stamp duties, during the, ya during the process, ya during the the process there are some fees lah but I also can't remember can't recall what's the exact name for the fees


[orh] we were charged for the property tax later part, after we moved in after we got the keys, so uh what do you think in investing of investing property kay uh


do we actually invest


onto the next one ya we use our CPF to downpay when buying a house both our BTO , and also our second house , for the BTO uh I think they take right like


ten percent or something like that if I can recall , but , for the second house , whatever that we get from our cash proceeds fifty per cent, they actually absorb


so that we can use our CPF to pay for the house


we are really not sure of that, ya, we don't think so lah we will be buying, property for investment, not at this time but maybe


we took HDB loan, though though bank loan seems like very attractive with the rates , but uh we couldn't take the risk of the fluctuating , interest


so we actually go for our HDB we went we went for HDB loan instead


ya it may fluctuate


ya but on a good note our mortgage is actually quite it's, it's a it's a small amount lah, ya, the absorption makes us pay a very small amount of mortgage


for a twenty five years period that we may actually be able to I mean , refinance the, period of paying, to a shorter period if we have more means lah


correct they do offer very interesting rates is actually lower than HDB, but I'm not sure whether the fix of floating rate will work for everyone so, in case of there's some economy crisis like maybe now


the rates the interest rates might fluctuate, to if to as high as five per cent and referring from other people who have experienced servicing their, property with a bank loan


, we were actually skeptical uh so that's why, we, definitely decided on the HDB loan, ya in fact it


we do have fifty percent lesser of the cash proceeds but we are very comfortable right now, with the mortgage ya


uh currently is like I'm not working it's actually a comfortable amount and sufficient among deductible from your account right, that's the thing so ya


for him as a sole breadwinner right now we don't know what what's in the future lah but , as for him that he's a sole breadwinner it's a very comfortable amount to be deducted from his CPF contribution monthly, and we even have extras to keep


in fair in bad times, ya in bad times they won't go higher than two point six per cent lah that's what we think I I don't know maybe it's it's not the right or wrong answer but that's our opinion honestly


I honestly not so I'm not so sure actually uh we do have a, vague brief on the fixed or floating rate when we were considering it at at the at that point of time, they say go for fixed rate it is like, what I know to my knowledge is that there there will be like a three year kind of


plan, that's, uh you go for fixed , rate and then after that you need to refinance every three years or something like that, that's what, that is to my knowledge ah, but it was vaguely explained because uh eventually we didn't apply for the bank loan we didn't settle down for the bank loan


ya true we do have


because maybe it may be fixed for that point when you sign on the line , then after that three years when you need to refinance , who knows that the, the interest rate will go to five per cent also a fixed rate but five per cent to pay is too much


too, for like say after the three years is up, so we don't know we have we do have, uh a mixed opinions on this with among our friends and relatives


some said they want to settle for a bank loan because it won't affect their cash proceeds that much after they sold a house , because they, Sayang the fifty percent lah so


but really uh for our part both uh both of us husband and wife we're not sure we will, we will be able to commit, to the bank loan, whether it's fixed or floating rate


ya we almost attempt to


and the rates are quite attractive lah


ya we did a research


we are paying more than what we are paying right now, okay I will actually note out


because , because in the event if we take bank loan , , we are not able to cleared, fifty percent of, the mortgage loan, so right now our current situation is that we bid fifty percent off


the mortgage loan so instead of paying for a, bigger mortgage, monthly mortgage payment if we take with bank loan we actually paying a smaller amount, but that depend sometimes


uh because of the, balance in the mortgage that is the outstanding in the mortgage is still a lot , ya, because we're quite lucky


ya it depends, so I go I guess on our side on our situation where I quite like, we have a not bad a substantial amount from our cash proceeds , which allow us to


settle down for the CPF, uh mortgage, instead the for the CPF ya to pay our house using CPF, because, the fifty percent of course I will like the I will like the extra money though but


the fifty percent really helps to , pay off our mortgage ah, uh IE if it's like after the proceeds is hundred K so that means uh we are paying like fifty K mortgage


uh for over twenty five years and when they divided it will be a very low uh monthly mortgage payment ya


ya easy to say we, we don't know that uh this kind of situation may uprise right it did happen now it does happen now so, ya fortunately, I guess yeah I guess it's one of our fortunate decisions that we have made


ya it's I'm not working I'm actually a homemaker right now a housewife in laymen term so, ya so it's comfortable


ya no headache I guess we are, we have nothing else to say about this topic lah, uh we answered quite a bit ya that will be all


negative experience, okay so that negative thing, , about the groupon ya it was


he booked, it was a very, uh attractive package uh offers us go to Bangkok for four days three nights , uh on thai airways, ya, the travel and tourism so we decided to go to bangkok and then


uh, but I can't remember the agency name that we have to go after booking the after we actually, , purchase the coupon over at groupon so we still need to make the payment over at uh


travel agency at chinatown, ya but uh I don't know, what's the travel agency name lah


no don't have we are on our own


because we buy at our own risk kind of thing ya that's the mistake I've I find that we buy at our own risk ah, like you buy and then like okay whatever it happens it's you yourself lah , so we had a bad experience the hotel that they supposed to book for us


was full the person who's supposed to fetch us at bangkok airport didn't turn up


the backpackers hotel, like a motel also, ya something like that they call themselves a hotel but it's like a really budget backpackers' hotel kind of service ya


ya we were actually in Pratunam, but the lanes are scary when it gets dark


we are actually not, ya, get on with our vacation


the breakfast the hotel offer, is very mediocre, uh is, there's no variety and then , there's no kettle inside the room , though I can see that the cleanliness of the hotel is quite good it's really clean


uh it was a simple hotel, uh we are actually at Pratunam which is not so bad for us to get, to get uh to anywhere else but uh we are in like uh an alley, that will be very dark and very scary that may be prone to robbery when it gets very dark so we we weren't there to actually come back so late from where uh from our


, when we go around the bangkok area lah, , ya so


but it is really good what only the location lah


I think that one is okay lah anyway it's in overseas , we don't know whether the restaurant still open or close but do you, ya but, for bad dining experience locally


was at a restaurant in, there's a restaurant in Changi village, I had a bad experience there, uh we supposed to


and we ordered mantou buns to go with it, ya we ordered mantou buns to go with it okay, the dish is actually chili crab, ya , so we ordered mantou buns to go with it


they told us that the crabs the chilli crabs are not available but they still send us the mantou buns anyway, but we are not I mean why why what's the purpose of the mantou buns when we can't dip it in the uh chili crab sauce right so


ya it's like they, they don't take note of what, is going on, , uh behind the scenes they never check they don't make the effort to check, they are quite busy but they do have a lot of staff


uh poor segregation of the role of staff the of the waiting staff, at the restaurant I mean, you should actually they should actually check, okay if it's really available then we can take the order or then if we take that


the segregation, yes correct the segregation, of the segregation of their staff I think maybe there's a hiccup to it that's why they fail to deliver, so we, are quite disappointed but they are very lucky we are not the very very like


uh we will complain and bang tables kind of people so, ya, just that we are very disappointed lah the ambience


I mean Changi village you know in alfresco, ya because it's the alfresco kind of dining also, so, ya we do like it we do enjoy the settings at Changi village the


normal lah it's coffeeshop


value for money also it's quite pricey, it's quite pricey for ya , ah and the food the taste wise is, okay lah you can eat you do you can eat but it's not like something !wow!


but we heard reviews that some of them said that it's really really nice so we should give it a try , we were there for our family dinner


to me it was quite disappointed


oh okay remembered that


ya at that point of time, ya tried to troubleshoot


they will always say like that this thing with singtel we paid so much they are actually one of the most expensive telcos uh with a very high subscription, fees but their services sometimes really, even the wifi with wifi mesh


to me sometimes is most of the time because I have a lot of my friends complaining also I mean instead of feedbacking right it's it become a complain thing rather so


but I do have I do have my friends with everytime we have problems with singtel, but they always like to they always manage to talk you into uh renewing your TV packages the wifi packages together along with the


the TV packages uh they are clever enough to offer you with , attractive vouchers like hundred dollars and above, and make you a member of a singtel circle or something like that but their service is also so so


, from what I can tell lah over these few years that we are with them right I was


but there are some nice ones ya


even though they are quite, sometimes they are maybe they are not well trained I'm not so sure, they somehow don't really know their product details they keep on pushing the calls and something like that even


the customer service okay I don't blame them the if they are not sure on the technicality part but, they when we got over to the technical side also they will push us back to the, customer service side so I not so sure who is who that we shall refer our problem and everything


ya else they will, eat up our mobile data man


from ya I think problem is they don't , they don't practice empathy or maybe take ownership you know uh in their service I mean they are really I mean there are good ones but some most of them , okay maybe some of them they are really good ones I do have a good experience but


some of them really it really turns off I mean they don't take ownership or empathy, it's like okay lah so what if that happen to you happen lah then what what should I care , you know they give us that kind of impression


the voice speaks because, ya I'm uh I mean the customer service line is bad and I'm a trainer as well previously before I quit my job so, ya, I do notice that kind of


, of the behaviour, the tone with the customer service agent, I don't blame them I I don't blame them also maybe they are stress or something like that but


but sometimes if it shows too much then, couldn't help it lah we also will feel disappointed, or I do because I get I get to I have to call them a lot of times what


, cause you are at work then I do have to call them


they must go for constant retrainings I guess, what, what they have to collate the problem what do you what usually happen what kind of calls do you do you usually get that kind of thing I personally think that we


yes I will comment on that because, being in the customer service line for like


fifteen years, and I work with international people so , I I basically will emphasis on that, because not only that I'm just a customer service worker I'm a trainer as well


to prepare , new staff for, to groom new staff for being the front liners, so that's what I felt lah mostly for my husband I guess you are more on the technical side, so you I think you your experience negatively based on the troubleshooting and


ya , but I do note that some of them are really good they really go all out to actually help us


and it's very pricey though, , the subscriptions are quite pricey, ya but they do offer good packages, ya, they do offer good packages that's the good side


positive experience


okay describe a time when you order a product from lazada shopee okay lah we are a, quite a regular on shopee, because , they offer really really good cheap, cheap price eh


ya it's at like legible or not so that you won't be cheated so like you order and then the things make sure it come, whether they take time or not it still will arrive at your doorstep, that's one thing, so you know you're not cheated


so far shopee is quite good if let's say there's anything , wrong with your product you're not satisfied ya , you can actually say that it's not delivered or something like that


uh okay so usually I will buy uh my stuff like bags or


two weeks or one month, true ah ya we ordered bags


ya sometimes it's like that but for me , I do have good experience ah because I like to shop for my hijab wear , uh my, uh waist girdles


okay they are, ya they came like two or three days after I placed my orders and then best part is that, if I bought from an online seller typically it will cost me say fifteen dollars, but I bought at shopee for like three to four dollars plus the shipping will be say about five dollars


so I'm happy I I actually earn ten dollars I save ten dollars ya, ya I'm a housewife


ah okay I look for clean room room amenities I I feel that the kettle the, complimentary uh tea coffee is important, so that we can have some hot drinks the hotel facilities swimming pool because we have kids so they would love they would love to


uh have some swimming sessions , and, the of course the, the coffee house


and then if the toilet is pretty


we are not really choosy well, we may see reviews of some people , uh anything also won't meet up the expectations but we are quite simple but of course we do expect a clean hotel a simple one will do but it must be clean plus the toilets must be cleaned


of course given a chance we also have, but of course we will be fascinated by the facilities like uh, other facilities like the the banquet


uh the breakfast, if it's enjoyable while I mean why not because, food is important breakfast is important


the heart of attractions


okay yeah, right for memorable place if we go to KL we like , to stay in Furama


first thing it's quite a nice hotel , uh very clean nice breakfast, and it's very near to everything, while while it's very near to everything it's not really in the centre of attraction where we'd sometimes


uh guests may find it very noisy it's just nice , uh it's by the roadside but it, it leads you to everywhere that you want to go and then if we want to get a grab service over there the grab service is, I mean they have an easy time to enter the hotel lah


#berjaya times square#


ya and, in indonesia if we go to indonesia we like to stay at Novotel, whether Batam or uh Bandung or somewhere lah, they have a good uh, variety for breakfast and every novotel never


disappoint even in bangkok and everything, ya we do like novotel, ya the service, their room space the bed are comfortable their beds are comfortable the


the cleanliness is also very good, ya, it's not like a five five star hotel it's a just nice four star hotel but they always, they are always offering good service, to me so uh in


uh I'm not so sure why when in Batam or when we went to indonesia uh we always, yes but we still


but we still didn't need do need to check out when we go like thailand and something like that ah, so we do we do we don't have much, uh comment on ya, but we do have one in Krabi, uh it was what what hotel was that are #apasari krabi resort hotel#


that was a nice hotel we got, we were on honeymoon so they offered us a complimentary dinner a free complimentary dinner, it's very near to #ao nang beach#, it's just a walking distance


or if we just went and ya, or you can take the #tuk tuk# if you will just want some, experience lah, ah bed but that was a very nice hotel nice swimming pool, uh we we also got uh massage services for free complimentary because we actually book


a honeymoon package, so ya that that one in Krabi, is real good, ya but uh when went for bangkok I actually book under groupon uh I'm I'm I don't want to comment


ya , I don't want to comment because it's groupon


uh I'm not keen on this gym facilities or, I'm I'm actually scared of hard selling, I'm actually scared of hard selling, they do uh hard selling sometimes I do have I do try to go for the gym uh membership or trying to go for some workout class like zumba classes all the all that but because


when upon uh enquiries they already start their hard selling so I actually get discouraged so I actually most of the time joined uh casual ones ah like one time, uh pay per pay per, pay per I mean pay per session that kind of thing ya


for membership no lah so I don't really have any experience on gym facilities or membership


I'm somewhat technophobic, so , so these kind of things uh it didn't really didn't excite me that much, so uh I'm a samsung user because of its practicality simple I can do my things in in the


phone easily I can use the pen I can use to stylus pen I can actually uh fill in my schedules my daughter's schedules in my phone just like that , uh it's very easy because uh android supports window so it's easy eh microsoft sorry microsoft so it's easier for me to use and I'm of course uh based on my experience I'm a very I mean I used uh microsoft a lot


it's also even easy to, ya and it's very easy to download ringtones


, ya I will recommend uh samsung lah if people will ask me uh iphone samsung android or apple yeah uh of course I will say samsung, android because I'm so used to it


ya, so that's why I will actually, recommend them anytime for samsung


ya the negative part about samsung of course , apple is very much encrypted so, uh it's safer lah from hacks or, , ya from hack from hackers lah


one thing about the that's one of the negative but, uh it depends I'm not like really a very kind of a , uh some uh gadget freak so my phone is very simple, nothing much ya


ya it's easy to get around when you download documents from emails, ya it's easy it's really easy to get around because sometimes I do experience that I can't open my uh documents just like that, when I'm using iphone


ya you have the one drive file very commonly used in computers also so


ya we don't need that , we don't need that but because we have a lot of work to do handphone is like uh samsung is like our uh mobile computer , ya , ya ya


I do have a lot of my daughter's school


ya can easily refer to my daughter's schedule, uh easily to remind me of any school closure or whenever she needs to , to do ya anything from the teachers


I do agree I do agree, that's why I'm an avid samsung user, haven't changed for the past few years


ah the note is very useful, the note series are useful I like it, ya, so okay so basically that's all about our product reviews ya


K part one finance


ya number one we did apply, I mean that's a must lah


to the second question do you get a loan from the bank when you are waiting your house, actually the house we're living in now uh, it's actually our second house the first house yes we do get a loan from the, bank


uh we got it from maybank, and, the features of the loan I can't really remember, but, ya is a renovation loan but I really


ya basically we paid it in cash for the renovation for our second house, okay and have you bought or have you bought or sold a house before , like we mention in question two yes we did


we sold our first house in Punggol and then we bought it in Tampines, uh for the fees incurred, basically is stamp duties, and then what I could remember is, if I'm not wrong we paid for property


tax also, during the upon the, correct upon the collection of our key, we pay for our property tax


ya what what what what I could remember was only the stamp duty fees, and also the property tax, fees, before we could actually claim our keys for our new house ah, and for the first house I don't


think we met I don't remember paying any property, tax I, could only remember paying the stamp duties also


okay for my part I've been having thoughts about this also but, I'm really a skeptical, person so I'm not sure, does this investing really , gonna help me in future, so I


not to say I'm unsure lah I'm a bit of a, I'm a bit skeptical about this ah I don't know whether it's gonna really benefit me in the future, so ya, for now I don't think about investing in


for the CPF part that's, that's the one, I mean that's the only thing we paid for lah, the half, of what we get from our cash proceeds, okay uh would you buy property for investment


especially given given the current situation right now with all the COVID things going I don't think so lah I don't think anybody's gonna make any, investment in their properties, because it's a tight situation right, now, so ya uh I'll skip that lah I don't think I will do


any investment for properties, even with the buyer stamp duties, going down or going up I don't think, okay HDB loan or bank loan which home loan which you consider


ya the reason why we went for HDB loan is because HDB loan has a fixed rate even though it's a very high rate, uh I mean, with bank loan the difference is


they have a lower rate, for the for the loan, but, it's really unstable, you see sometimes, given the current situation I mean, with the uh, it depends on it depends on the it depends on the bank also


ya I I think I don't know from my point of view if the bank doesn't make business or I think they will fluctuate the the loan of course, and when I did some calculations, during that time, if it reaches the highest rate at five per cent that, they can give


uh I really can't afford, the so ah so that's why I went for, HDB loan because, it's quite safe it's fixed so basically we, know what to calculate in the future , as for bank loan we can't really predict


because, our you see our even given our salary is quite high I don't think so, bank loan, bank loan is a risk lah actually for me my point of view bank loan is a risk


it's a risk if you're willing to take it lah but if you really dare to take it it's quite an investment for you actually, in terms of the cash proceeds you get, from selling your house, whereas the HDB loan, like what she said if you


took HDB loan is a fixed rate but they will give you about fifty, they have to take back they have to, absorb fifty percent of your cash proceeds that's the, how should I say that's the disadvantage of


I agree with that lah, what she's trying to say is , on a good note if you take HDB loan since it already absorbed fifty percent you already paid more for your house so it would lessen your mortgage every year for what you are paying, as for bank loan they will give hundred percent


but the disadvantage of it, uh, you pay whatever they already charge you, uh that means, you pay a bit more of what you take from HDB loan, you see, so ah that's what I'm trying to


correct correct actually this HDB loan and this bank loan depends on every individual lah, it's what, on what they can afford or what they prefer some people they preferred a lot more cash you see, some people like me ah I'm being honest I'll


try to lessen my burden as much as, possible, so that's why we went for HDB, loan, some of them prefer a lot more cash in their hand so that's why they went for bank loans


basically it lessens my load lah, less lessens my burden actually, thinking that I don't need to pay so much for my mortgage every year ah, because hearing from what people I mean, I've heard from experience from people saying that when they take bank loan they didn't expect the thing to fluctuate until five percent


and then they eventually have to come out extra cash to have fork out extra cash, for their mortgage of their house, which which really, it's not a, how do I say it's not a burden actually it's more like a


it's more like a, really really heavy burden lah should I say, I I can't say that word, so I shall say it's a really really heavy burden


I rather be safe than sorry


I I'm I'm basically a safe person, lah so I, for me if if people were asked me I would recommend HDB loan lah, because it is the most safest loan, it's the most safest method for you to pay your house,


as for bank loan, correct precisely precisely


okay uh let's go on to the next question, if you settle for bank loan, do you go for a fixed or floating rate, interest package


before even they tried to, persuade me or even try to, really I mean, get me interest in this bank loan I I I really done studies for, bank loans ah I already research on the bank loans, it was really really risky for me so even if it's a fixed or a floating rate


I was really not interested in it lah because, I'm a safe person I rather go for something that, I'm really sure is not gonna change, I'm really sure it's not gonna uh, burden me in the future so that's why I went for, HDB loan ah


okay but the question is if you've settled for a bank loan do you go for a fixed or a, floating rate, I mean okay if I do settle for bank loan ah how, I think I will go for fixed lah of course I mean the word fixed already makes you feel safe so I I think I'll just go for


fixed lah the question is I will just go


I do do some research on this bank loan, actually and, if you tell me to like ah ya the question says do, provide details I mean, I I research a few like, maybank UOB


POSB what, I mean if I really have to go for bank loan, what assures me most is UOB lah I mean is, from from what I see from what research from what I read, is quite stable and is quite


how should I say it is quite, affordable for my part lah, so ya if we if if I, if I have to go for bank loan I think I will go for UOB lah and especially of course fixed rate lah


like I say the word fixed already makes me feel safe, so, even the fixed rate I can't remember the fixed rate and floating rate interest, package actually I can't remember how much is it, but it was quite affordable lah for, my part


so, and the features, uh and the features was, ya it was, not really high like other like other banks offered, like maybank like OCBC


I was I was thinking about taking OCBC, because I've been with OCBC all my life you see but that point of time where I think, I read a surge, if I do have to take for bank loan I do have to settle for bank loan, I'll think I'll go for UOB lah


ya even with that also, I mean, what we are talking now is actually question seven so


uh like I said, before I need, ah I'll still prefer HDB loan lah whatever it is


it depends on the balance of the mortgage also, even after, even after they wipe out our CPF, and everything lah so it's still depends on what level we have left for the mortgage of the house lah


whether it's fixed or floating


correct I mean basically, especially in this kind of time, this kind of crisis I mean, the lesser you pay will be better for your life right so I've been thinking about that ever since, , but uh, this loan so ya


fortunately we make the decision lah, correct correct precisely


ya basically so that's our answer for all that


like that okay or not (ppl)


negative experience


this groupon thing that we gonna talk talk about is under the travel and


okay groupon for me groupon offers, interesting and really affordable packages, ya fantastic they I don't think I shouldn't say packages ah I should say, deals lah, but the problem is, in terms of service recovery and


uh, in terms of, in terms of customer service I mean they are really, uh uh okay ah sorry I shouldn't say that one they really they really bad at it lah, they really bad at, they really were so bad


because eventually when we when we, ya when we when they told us to go down at the agency the, even the agency told us, okay uh there's no problem with the vacancy of the, room , they say there's still vacancy lah, but I don't know why when we went there


the hotel told us is really full so, and even when we try to contact groupon took quite some time, very long time actually for them to settle for a room , they did eventually find us a room but it was not the room that we, expected


it was really totally different from the room that, we booked on groupon , the room on groupon it seems I mean it's really quite interesting is really lovely is really, comfortable from what we see on the pictures


but when they try to compensate us, with other rooms in other hotels, I tell you was really it was really a bad experience for us, because it was like kind, it was kind like a the hotel was


and the location was really bad, it was really far behind inside of some kind of lane I'm not, but luckily luckily for us the


the transportation there wasn't any problem lah so, uh, the quite sometime we just I mean we just swallow it and, ya just thankful that the, the transportation there was not any problem lah, was on


luckily the transportation was


dining experience we had this one, time bad dining experience I think in bangkok if I'm not wrong, I mean there's one this halal halal restaurant that we, read read about in the in the website


we we eventually try to find it the location was really bad, but we still wanted to try it because, reviews said the food the food is good, you see the food is really really good for halal consumers, like us so


it's really good lah only the location part it was really difficult, to find ya, we had to go we had to cut I mean we had to walk, not really I shouldn't say miles lah but it was a long winded route for us to go to reach that


that that restaurant and then, when we reached that restaurant, we eventually find our own seat you see they really never like welcome us like hi, how many person, uh where do you like to sit which table what kind of table you prefer near the kitchen or near the door something like


that, we had to find our own seat


no, we ordered some kind of we we ordered this dish I mean we ordered this dish


and other few dish lah that, okay the other few dish, came, but this dish that we expected so much, after two, I think one hour two hours of waiting, then suddenly they came to us saying that this thing has run out that's finished so loud


but when they took our order they say ya is uh the, the dish, the dish is still available uh still available so, I I wouldn't name lah I wouldn't name the restaurant lah, ya I wouldn't name the restaurant


but it's somewhere somewhere near the #changi village#, lah ya, we waited for the chilli crab for one hour


I wouldn't I wouldn't say their I wouldn't say the service standard is bad lah I mean, when they when I when we call them they did come to us, uh but, the communication I mean the communication between them and the cooks inside the restaurant was really, bad lah


so that's why, customers like us feel unhappy, you see the communication


because the reason we choose that restaurant was the ambience, I mean not really beside the sea but it was near the sea #changi village# I mean, yeah wherever you eat you feel like, wherever you eat you feel like you're right beside the sea you see


in terms of decor is is is just a normal decor lah, I I don't really look at decors ah


more, I don't really look at decors for me uh as long the ambience is nice the taste of the food is nice then of course is value for money that's why we choose that restaurant also


okay let's go to the next question, I from what I remember I I only have one bad experience


lah, that is with singtel, okay uh, that point of time, , it's not about my handphone or whatsoever it's more about my, I think it's more about my


if I'm not wrong it's more, it's not no no no it's not TV is more of about our wifi connection, uh that was our that was during when we stay, when we stay in Punggol lah in our first house like I mention just now


and the house we staying now is our second home , uh there was there, there was suddenly there was suddenly a blackout in our in our wifi connection, in our internet connection and when I call them up instead of them


really trying to help me, they how should I say they , they tried to help me okay okay they tried to help me but they were unsure of, what they helping me actually also, you see because the person that that


that caters to me that that, attends to my call is actually their customer service is not their technical officer or whatsoever, so after a few, tries I was really I was really, I was really unhappy lah because I really told them you whatever you told me I already try it already before I call you


I mean, because there's some pointers, I read on your website, should try this try that I try it but, that's why I I couldn't, when I told them when I couldn't already I call you but they still insist of me trying the same thing


telling me the same thing of what I already read on the website, so I was really unhappy about that, and, it took me about one one hour I think I think, one or half an hour they keep trying, to tell me whatever I already read it on the website


then okay never mind lah uh on a goodwill sake I try it again lah, ya always said I try it again, it still doesn't work, so ya so uh, I was really unhappy lah then I I I told them


what more else what else more do you want me to do I mean I already I already did whatever you can, uh I don't I don't think doing the same thing, doing the same thing whatever you trying to tell me wouldn't, will will will work


maybe you can get me a technical officer to come down or something, like that , and then they say yes they can get a technical, officer to come down but not immediately like tomorrow or something, uh they say the earliest date was three weeks or eh sorry uh three days or one week later


it's not most of the time lah it's not most of the


ya maybe I don't know some some, some people don't have any experience I I'm not sure maybe they're lucky or fortunate somehow


I've asked a few I ask a few of my friends they say no they have no problem with singtel


there's still a lot for their customer service to, to improve lah actually from, from my point of view from my POV I mean, their customer service has a lot to improve actually other than that, their sales the promotions, their sales their promotions are good


you see that's why I I like being with them I like being their customer I like being, their I like, taking their offer lah because their deals their promotions, are good, but for me unfortunately is, their customer service ah


not saying is really bad but


and their service recovery time they need to improve, on that as well, ya like I said just now when I call I requested for the technical officer or their technician to come down and check, they say they could I mean the earliest they could, take was three days or maybe one week later


I mean we need wifi now is a wifi generation, you see I mean we can't afford to wait, we can't over afford to wait three days or one week, uh, more or less ah I'm sure we can't we can't even afford a one day wait also, so


maybe they should do something on that lah they should improve, from there actually, ya correct I mean mobile data has a limit you see, as for wifi, we pay for whatever it is and, that's it you can use it unlimited, so


that's why wifi for us is really


correct correct I mean I I, in terms of the tone and everything I I've never come across that before lah it's just that for me


for me that's the part where where I spoke about lah is, service recovery lah, I mean their service recovery is still very poor ah in terms, whether is before or after, is really poor lah so, ya I think they should really really improve on that lah I mean they are the most


ya I wouldn't I wouldn't I wouldn't comment, on how they should improve lah but, they should improve lah somehow rather


ya that's the only bad time lah I had, other than that there's no problem there's no problem with them, just the wifi and the service recovery


[lah], in terms of customer service [lah] ya that's all [lah] they need to improve on all that


I mean you can really get ya you can get really cheap things over there I mean like ah, I mean some person they go for quality, instead of the the value of the thing for me I mean


we I don't really earn that high so I rather go for something that is value for money, but, I will not really risk the, product quality lah I mean I will not be complacent on that also I mean uh before we do ya from


for me before I purchase anything I'll always read the reviews , I will always read the, specifications of the item, and see, and see if it's really worth it for for me to buy it ah


I usually I usually buy things from shopee, lah but, if I'm looking for something that I really in need, I can't risk a time, to wait for it I'll I'll shop at carousell, because usually carousell the the sellers the online sellers are usually our own local


local people, and they have the and they have the thing in stock , with them so I I mean I like, I buy right now I can get it in next morning, as for shopee, sometimes you have to wait one week two week there was one time I purchase


when I purchase when I purchase something, it, it came almost three, to almost to a month, especially uh because the thing was from china one thing, and then, and then given the, current situation the COVID situation


I already know it's going to take a long time I don't know why I bought it, maybe because it's cheap, so ya I just waited, and, it came about four weeks, one month like that for it to arrive, but so far


I mean for her she's happy lah she's, ladies basically they are more to shopping than, me so, okay ah number two describe your best staycation holiday in a, hotel you may refer, uh honestly I never I never done a staycation before


but, as for the holiday in a hotel uh we, we like to go for holidays every year, you see, I mean is a must lah for us to, really like sit back I mean relax so, it's more of a holiday in a hotel in other countries rather than staycation


I will always look for the I always, whenever I go for holiday in a hotel I'll always look at the toilet first I mean , that's the most important place whenever you go, for holiday in a hotel I mean toilet cleanliness is number one for me lah it's a top priority


so, room amenities, ya, room amenities as long there's a kettle for me to boil hot water, and then of course lah you must have pillows clean pillows clean bedsheets, uh that's that's enough for me


for me when when we go for holiday we cannot be in our hotel room all the time you see


and location yes I'll prefer something near like, markets, and, ya, market shopping centres and somewhere where we can we could easily get transportation to go from one point to one point I mean that's


that's a priority for me in terms of location lah, as long the location is easy for me, to get, to get transportation


ya and basically the best thing about that hotel is that hotel is really direct is really behind is just behind the, the the main shopping centre of KL ah #berjaya times square#, I mean that's the biggest shopping centre in KL where everybody goes


uh, I I don't know if you know that's where most of the, the, the travel buses alight and take, take tourist, wherever they want to go


I mean in terms of their food especially their breakfast they never disappoint


we don't go indonesia that much lah we usually go malaysia as for indonesia is usually that island Batam only, all of the time, because it's near it's affordable is easy for us to go, forty five minutes


memorable places and hotels is always in, ya correct


ya about five ten minutes


it's the most memorable for us lah, is the worst experience ever , okay uh, let's go to the next question you decided to lose some weight you sign up for gym membership


actually last I mean last few weeks last few months I do think about this I I, I've talk to my wife about this


I work from day to night and sometimes I have to do overtime most of the, time see, I would really like to go for one lah but I just can't find the, time yet and then, I mean in the day I'm working and night, if I'm not doing over time I'll be doing my studies


ya so I can't really I can't really explain on this ah


okay ah let's go to the next question, describe an electronic device that you're using, discuss whether your best buy, okay uh, usually I'm always impressed with my with my handphone lah, I'm


I've been with samsung all, I mean, ya for a few years ever since these handphone smart thing came out, because it's the first smart phone came out uh I I use apple but, apple wasn't really friendly for me


because there was a lot of things that I need to do especially when I need to upload something inside computer, that point of time, that point of time when using apple we had to do, we had to install this itunes, app on this computer


then only then we can upload then we have to save, blah blah blah as for samsung, even though the first time they came out with this smartphone thing we don't have to do all that, I mean we can just basically plug in our cables, to our computer


and then basically we can upload whatever we want on our handphone lah so that's why , i been sticking to samsung all, ever since lah till now


ya one thing about samsung is they have this, stylus they still have this, pen thing you see and, on the go I'm I always have to do my paperwork, my email so, basically samsung supports me


supports me most of the time in terms of this, in terms of this paperwork thing lah, so that's why I I that's why I like samsung, the function is really good in terms of paperwork , if you need something to do on the go some


just some documents you need to fill in on the go I mean, is quite is quite useful lah and the design, the design for me I don't have any issue on the designs, I'm more on the functionality I'm more on the, the specifications of the product


I'm more on the specifications of the product so for the design, uh as long, ya design wise is okay as long it doesn't look, ugly to me is okay already lah it doesn't, ya in terms of color is not that pinkish pinkish is okay for me


ya I mean I will I will recommend samsung to people, lah, if they ask me and now especially with all these oppo huawei, I would recommend I'll still recommend samsung lah, is, is still the safest is still, in terms of function is


really friendly friendly user, it's really easy to use, and, is really uh how do I say even for technophobics like like she say


talking about hacking as long you doesn't you don't go to all this , how do you say it uh all this website that you are not supposed to it shouldn't be any problem lah it should be fine, I mean ya cause, uh, like I said uh


I use handphone mostly for my paperwork, so ya I think, samsung is still the best lah, regardless of whatever it is I will recommend samsung lah


good thing about samsung whatever model they came out, they still, they still emphasize on this function of, this uh you, you you able to write, uh notes you see you have you you still have that functionality on your paperwork like


ya correct, like other handphones you see on the on the advertisement is more on, cameras cameras cameras, it's more on ya selfie you can take, zoom can zoom like, here you can zoom until


!wah!, you staying Jurong you can zoom until until Johor or something like, uh, samsung doesn't really samsung really doesn't, doesn't emphasize on that much lah


we can't basically bring our laptop everywhere we go, you see I mean, like I mean some people can open laptop on even when they in the bus or MRT I mean I can't do that lah, it's really troublesome for me so that's why I prefer samsung, samsung is easy you just take out the pen you put it on landscape mode


you just write whatever you need, so, ya it's really easy for me lah


now especially with all these HBL thing right, with all this home based learning, I mean, samsung is still the best lah in terms of whether is smart phone or, tablet uh is still the best lah I mean


even their earphones are to me it's also still the best, that's why they came out with a lot of other other kinds of, brands of uh earphones or what, recently I just bought the samsung ear earphone


I mean I still prefer their own brand, lah, its still suits it still suits whatever they need, like my point of view, still suits for for what I need in terms of sound


I wouldn't I I wouldn't go for any other brand lah, until if maybe if if they go bankrupt then maybe I'll, think about it lah I'll change to other products, I'll change to other other brands, unless they never go


unless ya, until they are still there I will still use them lah


part one finance, so for savings


account ya uh, I have a few actually thing but is all under POSB DBS like ya so like that e everyday savings account, uh I'm not sure if


the DBS multi currencies also considered as savings account cause I used that to do savings also


in treasury right so, I have to have, and I was the treasurer for two at hawks and then right now I'm a treasurer for the m s photography society in NUS right uh in order to segregate the money so that that there is no mix up I just have separate accounts to handle different for different organization


have a debit card like the visa debit card I think you also have it the black con just as stated one that I think almost everyone has ya, think, initially I I had a different card before that it was the normal blue and white everyone had a black one I had the blue one the gold card


ya but, it's also a debit card but is the master card, and then the reason why I set it to switch to the black one was because I thought uh there was no more cashback for the gold card said the cashback was only


, that kind of they terminated the gold card cashback slide is no longer being used but you can continue to use it until the expiry date but there's no cashback and all that so ya that I switched to the black one


it's just a it's just a passion one, so is that a credit or debit


is that a credit or debit card


the safra one is, it oh, but which one do you prefer the safra card or the black card


but so does the black card know


secondary credit card, so is under my mom (ppc) like I mainly use that when I'm overseas like when I go overseas on my one of my friends and all that, to purchase uh items there are more than say two hundred dollars can I think you know because when we went to korea together after a levels


minimum spend but there's a maximum, amount that is kept so I think it's about three k next


ya, so using that credit card just, it's different cause like the banks have their own exchange rate and it's usually worth sources it's really is not as good as if you just use your own cash


ya, and then you also have to incur the costs of exchange like the


to carry that much cash when you go overseas also beside


only ya the secondary card is under my name but where I advise band is built


it's not really a joint account because it's a credit card so there isn't I don't have an account ya, such as the name on the card the secondary card is my name but under the in the bill it's under my mom's name ya


locally I use to pay my, uni fees with it, but then, yeah so in year one year one and year two I use the credit card to pay for the fees the school fees but recently I switched to grab pay instead


ya so the grab pay card ya, because of the extra points that you get, I use the grab pinpoints for to redeem grab pay rights or to get discounts for grab


food, you should really consider using it


I was I think thirteen that was when I first open my savings account, ya, science I started quite late like uh not primary school


is just there cause none of them, my name is ya it's just a joint account for, in in case like right now that's where I get my, allowance from you know that, so I just it's easier for me to transfer ya because it's within my own


they have separate accounts uh they have the joint account but I have I think they use more of their separate accounts


so is that so there's no joint account he just transfers it to her


would have a joint account with your future partner


the religion aspect of it is that the husband always give a certain amount of money for the wife to spend, uh, kind of like the allowance so whether the wife works or not it is, uh compulsory under religion to


give an allowance at least for their daily expenditures and all that so that joint account is there for that but, it also, I felt can I manage your finances betters when you decide like how much, money


like that joint account can be, used to pay for bills together and all that, and also maybe like you can save save money together so like if let's say you are working towards buying a car like that then you just put the money in the joint account then


I got a card as well, I that, each ya but I didn't spend when I was thirteen pay with that kind, I think can got it I'm, not so sure uh by thirteen it was just a normal ATM card it wasn't a debit card


ya I think I only got ya, and be like buy your next, when I'm outside, but then I think I not fifteen fifteen then you can have your own debit card or is it sixteen, ya and I feel like I spend to more day


cause it's easier figures you know


ya, the sense of freedom that I got


personally it depends on how ready you are that how aware you are about finances your how much is a lot that kind of thing like at least be more aware of how much value money is


so like if at the young age you already know the value of money then I think it's okay, to have a card so you won't be spending so, much you won't be overspending beyond your, limits but, if you're not ready then I guess when you're old


but I also see no point if you having a card when you young cause, usually you will hold cash when you


but what was your experience


everyone had I think around, I am but everyone had I think when you're fifteen thirteen or fifteen usually secondary school


how's your experience in actually getting applying for the card do you apply online at that time or due to go down


increase suddenly then like the money decrease so much the first time I had lah I held the card,


do you get your allowance in cash or bank


cause I think debit cards debit cards itself has cashback


you know also quite like initially I thought there was cashback for transport, so I use it to pay for MRT fares bus fares but when I was checking the expenses it doesn't seem like


ya so I stopped using it


calls not really on calls because most of the time they ask me, at the moment the comedian they ask me of how old you are are you what's your working status, are you working full time, and all that so I just say I'm a student then they immediately say oh okay especially for investment insurance for like investment


but I, health insurance have called me before, ya but like you said also I'm I will don't think now was the time for me to


part three negative experience, negative experience with custom


, uh why you, it's basically like


uh so, my mom has a credit cards right, and every year you have to pay the annual fee then she always ask for waiver cause the annual fees is at hundreds of dollars that kind of thing so I never recall then the waiting time like before it was


automated like uh, they'll actually pick up the call and then we can just talk, to them and ask them, for waiver and all this and they will do it immediately but recently they changed the system such as an automated call so you just indicate your like you choose the option


and then he will just wait for few days, and they will tell you the result whether you get the fee waiver or not, ya sir before this automated thing whenever I call the waiting, time to get through to the person is easily like twenty


minutes, and it just yeah so can you imagine if you don't have , unlimited calls on your phone plan ya it will just eat out, uh and I just


it's ya it's a one one eight hundred number I think is a one eight hundred number


ya it's like easily twenty minutes and all that then I just, get a note, so sometimes you just leave it on speaker work then I do my other stuff and the music was still replaying you know the waiting music ya


it's a very bad experience lah like but I also understand that the cheque there might be a lot of traffic, uh, so perhaps because that's why they decided to automated instead like on your machine operator or answer a call instead


uh I wouldn't say it's better, because it goes through and, automated like, a machine that answers your call right, then you have to wait the results for few working days, unlike previously where it you just wait twenty minutes but they will tell you immediately whether they apply for waiver in this straight away it's approved straight away


minutes then a few days ,


ya and definitely


oh if their,


I feel is very inconsistent it's not my least favourite bubble tea, ya, ya so like every, last time right whenever I go to Gong, Cha I always buy the taro milk tea but then recently uh the this of the taro milk


tea differs from one branch to another branch so it's not consistent like the quality is inconsistent I feel, swishes ya so from then on I grew very wary about getting, taro milk tea because


every branch does it differently then I feel, like I, there's now my least favorite bubble tea lah cause I don't try a lot of bubble tea flavors I tried to standard one set of brown sugar, milk tea or the pure milk tea or the


they are basically just this standard, few flavours at the popular one, so taro is at the first one that is not popular


ever since that experience with the, taro milk tea at Gong-Cha I, never try taro milk tea at, any other pieces ya, I don't want to ya that's why I stick to the popular flavours are like those recommended by friends


it's always been there before Liho came also had when he was just Gong-Cha koi is it was there already ya and taro was my goal


it will still too sweet for you


if every track the cheese, flavours in Liho


you know it's just the thought of drinking cheese it's okay I mean it's innovative, but like in mine what the thought it will usually cheese and the kind of cheese you eat is always found on like pizzas


food in general but never in drinks, so foreign foreign concept, from


uh maybe I sure attended cause I take a similar


experience ya so, I think last last week or something, my friend enter a grab from the Bedok to, and then some of Bedok mall is very confusing the pick up point on the grab app itself says level one pick up point so we went to level one uh like they had to enter bedok mall and then go to the pick up point in level one


when you are there like when we were walking towards that pick up point say the driver called an ask where are we because he already reach right, then he say he's at b one hand to him but the app says for me it is to go to uh level one so I like and he said no for he is b one


so is a bit like I was confused but I didn't want to argue so then we went to b one when we went to b one because it's COVID period right they cordon off a lot of the exits and there was no way to go out to the b one car park, ya and then


I just kind of annoyed so the then the grab driver called again he ask you where where where are we in then I said oh I'm b one but I I'm trying to find a way to go out to the car park he said ah never mind you just you know whether the uh pick up


point is outside at the outside bedok mall at the taxi stand is then he say he just go there instead so he had to go back out, no apparently you can't pick up uh passengers there ya like grab has specific pick up point locations had to pay for the five dollars at the five minutes surcharge waiting time I didn't even know there was that


so it just ya, it didn't check me to confidence I also don't know what to do like how to complain how to lodge complain whether I just send in the inquiries through the app itself or do I have to call you know that so


ya I didn't even know that I was charged the extra until I looked at the receipt to split the, cost with my friend


it's not the driver's fault lah ya cause I do


uh not, a foreign but my, the laptop actually when I recently when about my laptop about two years ago I


there are something wrong with the laptop, six months or so then it started to shutdown, own which I, felt a bit uh, like it's an laptop damage kind of thing so I was kind of worried


that something might be wrong with the laptop and this kept going on for like a few weeks like it will just randomly shutdown then I have to restart that it randomly restart then I have to switch on again and all that stuff was a bit worrying for me


cause it's a new laptop and I mean my warranty is one year I have a one year warranty but I was also unsure when the warranty starts right so I just


ya at Changi city point the, apple, care and that I've to know what's that, but yeah isn't it there for repair and then they helped me ya but it's just it was very upsetting then only then then I find out from friends and uh


like through my research that apparently that year's model that I bought has issues, as so even the webcam itself is not good like not as good that the previous model previous version was better and the latest ones obviously better so so it's just specifically that year's model


ya so I it's kind of upsetting, ya it's the one that I'm currently using ya so the one that I'm currently using is the one


but I don't think it applies to all products I feel like the macbook pro is just specifically this year like the twenty eighteen I think the twenty eighteen model


and have issues ya the so far like other, models I haven't heard about the models yet so yeah but I would avoid getting a macbook pro I guess in the future also with as much as I love apple products cause of the cloud system and all


all it's just it can't handle you can't do many things on a macbook pro like the the most basic ones like and you run too many adobes on it it's it cannot handle it also


ya ya so it's just ya not the best in that sense ya


I think as much as I don't want to buy it I would still buy it simply because of the cloud system cause I'm already using an iphone and then at home my desktop is the imac so it just make sense for me to just get another


laptop like an apple laptop at the same time then I feel like I'm tied down to it as much as I do not want to I can break out all these stuff but it's also ya, ya that's how


(mmhmm) ya


mine is similar about phone like about the, phone also cause when I, I was it was last year december, and my phone cracked badly ya I couldn't use it ya, so when I actually when I purchased my phone in singtel I actually bought this like insurance for the phone


is not is not apple care but it's just an insurance under singtel so like it allows you to replace your phone one for, one uh multiple times as long as you, top up an amount depending on the value of your phone ya so like


ya then, when I had to replace my phone last year cause it was badly damaged I called them and actually I don't like to chat over the screen cause I feel like it's the connection isn't there like I won't be able they won't be able to really understand


me ya so I just ya, I called I prefer calling actually yeah so when I called and I explained the situation and all that they actually guided me on what the procedures to


get the new phone replacement then they uh told me how to, uh, cause they in order for them to replace the iphone one for one I have to deactivate like unlinked the old phone from find my iphone and all that and I didn't know how to do it so I actually called them again then that's when they guided me


ya so I felt like the personal touch was there like uh even though it's over the phone kind of interaction, yeah, and they help me process it and all, ya it's actually under singtel


that's it so, was very good and they even said that I could get the phone the next day, within twenty four hours ya, ya


same phone same color you know same phone same color same model, everything, I was hoping for an upgrade but


I don't think they I don't think there's an option because there's really specifically said in the terms and conditions that is a one for one so whatever phone you got you will get the exact same phone in the replacement


is a ten dollars top up on top of your contract, so like every, month you pay ten dollars ya, but I mean you can, exchange one for one even for minor thing say you cracked your, phone screen like just a bit


or your camera get, it like something happens to your camera and all that can just exchange one for one, ya, so from my case I had to pay two hundred dollars, two hundred dollars ya which is not bad ya and if you lose your phone


even when you lose your phone also, even if you lose your phone also you can just top up but of course is more expensive I think is six hundred dollars


to pay for a new phone


actually I think cause of this COVID times I haven't been eating outside much most of the times it's just like eating in school like even in school also if I get sick of the, canteen food I will order grab


and in that sense I think is quite good like the, customer service


for grab food foodpanda this my experience so far with the riders have really been well because there was once when I ordered the food from Jinjja chicken, ya it's in school then it's like Clementi right so the estimated delivery time is here was about uh no the rider was going to reach in ten minutes then so I went down then I waited for the uh rider he called me and then he said oh he accidentally press the


collect like he collected the collection button then he said that it was a misunderstanding because, uh Jinjja chicken actually told him that they've prepared the food then when he went there, the food wasn't prepared only the drinks were prepared, then


ya so he he actually called me up and then he personally apologize to me and said that uh, if I don't mind waiting for awhile and all that to which I said oh it's okay lah like I can wait cause I know that is it wasn't intentional like it's not like he's being late because


he wants to be late, that kind of thing ya so, cause in that sense and the rider was really, I would say, very friendly cause he really personally called instead of just texting so there's that personal touch to it ya


it was for a bunch of people actually like for my friends and I were going to have dinner together, ya, wanted to watch the sunset in school, uh


there was no discount because I mean we already paid on the app itself so, it is what it is ya, then, but I think it was a good experience, cause if he didn't call I would have really been angry like I feel like I won't be able to understand the situation if he had not called alright even texting


and even through text also I don't know it's like your calling I still feel is, better ya, have you had any similar experiences


(mmhmm)


another personal, like positive experience for me another aspect would be, cause personal care and cosmetics like you've been to, sephora before right I think you might have


ya and sephora has, I feel like excellent customer service there because, whenever you go there you don't know, what you're looking for you can just approach them or like they might approach you and then they will help you find, the, things that are suitable for your skin that kind of thing like even the shades


the, uh kind of products that will suit your budget as well you know all that, that's for me lah like I personally prefer, face to face uh customer services rather than


actually I was buying a concealer


or is it a foundation and I didn't know what shade really suit me like before this I just bought any shade, that I felt, would suit me and then I'll just test it out that kind of thing but I don't really know whether like the the tone and all that cause apparently some of


it it's meant to cover pink, like pinkish skin, and like your tone and all that ya, so when I went there and then I decide, so I decided to just yes so I ask I actually ask her oh I'm looking for a foundation and but I'm not sure which


foundation suits me then I told her that I'm using uh this certain shade right now then she say oh no you're not supposed to use that shade for your skin tone all that then she just help, me out like, yeah she chose the shade then she tested on my skin


no you continue say yours what you saying


ya, do you have any like experience from travelling I dreamed that time we went to korea back in korea after ya


the heater ya


on the last day


then airbnb he said,


part one finance


hi yup, you have a few


why why do you have so many I think I only have like one one saving account


uh, okay for myself I only have this POSD savings account which I set up like when I was in primary school


cause they came to my school and then I mean they had some some I don't know I think it was a free one dollar, for every I can't really remember why was but it was a stem system lah so me being a primary school child ours like ya I went to sign up for it and I still use it to this day lah so ya


I have a POSB savings account I think I have a OCBC one also but I don't really use it it's just that my dad created for me, yeah but so you got all this account right do you have like a credit card


or like a debit card or do you just use ATM cards


ah is is that a ATM card or sales a debit card


ya I also have the black one I guess, I also had this uh safra card which is a mastercard, ya I got it during n s, it I mean it's kind of useful cause you get like offers for like


petrol or like restaurants this kind of thing, ha no no no is the safra card is a is it's a it's a silver grey card the mastercard ya


and kind of useful, ya, it's a it's a debit card ya I I don't have a credit card I only have debit card so it's I just have these two so the black one that you were saying USD one and the safra one,


I mostly use it for like, buying food outside or like shopping online initially I got it because you wanted to buy stuff online now use it for almost everything ya, uh both


I for okay for buying stuff I normally use my black card but I use a safra card also to like


pay for my MRT fare bus fare, cause directly linked to the safra card so most of the time my usage of that card is for public transport, cause they have the auto deduction system


I mean ya it does but I just separated you guess no reason


oh, right, okay I remember, okay is there like a minimum spend on it or anything


okay so the exchange rate is it like the same as is it the same as a debit card or is there some difference


but because is useful if you don't really have that much cash on hand


then this card user is join with your mum right is it like, so is under both of their names


right okay is it like a joint account


okay but you only use it overseas, you don't really use it locally


alright you were telling me, oh


right you get an extra points have you use the points yet


ya I didn't get it I just haven't really use that much, , okay, you you have a joint account right with your mum I feel like you told me before


oh


okay do you do you still use it or is it just it's just there


but did your parents have like a joint account oh okay never mind cool go ahead are they do so do they use it for everything


oh so they don't have like separate accounts, right interesting actually I don't think my parents have a joint account because my mom doesn't work so she doesn't really need her own account it's just that my dad my dad made her uh account so that she can spend


for stuff on her own she can pay for stuff on her own even if my dad is not around, ya he just transfer it so is two separate accounts but is technically


maybe it would have been better to be a joint account I don't know it's something to think about,


maybe I mean it sounds useful to some extent, but at the same time I don't really see the point also like at if both of us are earning then I'm not sure whether it would complicate things cause then is a bit harder to keep track


what do you think would you do a joint account with your partner


right


okay let's let's there's some compelling point I guess never thought about it that way , so you said you get opened your account like at thirteen year old right thirteen years old


so did you get like a card at that age or is it just account, okay


that's true that's true cause, I guess that's kind of the argument against letting children have types early cause it might it it allows them to you know spend freely


true I I didn't really get a card until I started JC cause until then I've just been taking money from my dad and he will withdraw for me and then he pass me money so, until j one I didn't have a card


then I realized I needed to open account not open account but like set up a card for the account that I already had, so I, ya I don't know do you think it's better to have a younger


or is it better to wait until you're older


true okay, delight your other oh sorry my sorry what what experience oh okay so they did the other siblings also like open have their own ATM card cause you are the youngest right


okay, so I guess your parents had the experience with giving them the cards early, okay interesting okay you want to say or what do you want to say just now


honestly I didn't really know much about it we just went down to the POSB branch and we ask them that we wanted a card I think at that point I didn't remember that I actually had an account with POSB so we try to open a account but they they informed us that


I already had an account I could just use that account to create a debit card, so that's when I got the black card that we were talking about earlier, ya and then once I got there I I had a lot of freedom to spend about quite a lot of stores online also


which I I guess I'm I don't really do that much now but ya back then it was like a sudden freedom so I I spend quite a lot


then your allowance he said you you take it from your joint account right you your mum doesn't give it to you oh okay think normally my dad will transfer me cause I don't have anything like that so


I just have to ask him every month I think when I was in NS I didn't really take allowance cause I got my own allowance from the army but now I'm I'm back in school so I have to ask for allowance


no my my dad transfers to me, now nowadays but last time I used to get in cash like in secondary school


cashback


ya I think ya I remember when we first when I first got the card then there was this thing with visa it was like a ten percent cashback so, if I use visa to pay for my purchases then at the end of the month I'll get a ten percent cashback on whatever I spend which was pretty good at that time I think every month I used to get


back like maybe five dollars eh I mean is a small amount but it's still better than completely nothing thing at the moment there is no cashback or anything on the card lah what about yours do you still have any cashback thing


oh


right so wait so you heard about this uh, cashback for the MRT is it for MRT fares okay I'm actually when I pay for the public transport with my card I


it it normally like adds up the entire purchase entire fare for the whole week and will lumping into one transaction which then confuses me cause I I can't really remember where I went, ya


uh but I you know I always I always get these uh calls from like, uh people are trying to sell insurance but I I don't really know like they ask me to meet meet them up by I usually reject cause I I'm not sure whether now is the time cause I don't even earn anything so have have you like at any experience with that


uh


okay but do you know anyone who has like purchase anything in insurance plans or like investments


part three negative experience


me really, !wow! I I don't really have that many so I guess you can talk more about yours


ah


oh my god, alright okay is it is it a one eight hundred number or is it a normal like singapore number


then I think then I think it shouldn't it shouldn't affect your your call yeah I'm I'm not so sure, but ya that's that's pretty that's a pretty long wait time though yeah


interesting


oh !wow!, so which one do you prefer you rather wait like a few days or just the twenty minutes


okay but you still your mum still uses these companies card right, then I mean the other day I was drinking bubble tea


I don't know I I had a I think was yesterday ya Chi-Cha-San-Chen is in in my school ya my friend bought it for me as a as a reward and , the place is very nice but yeah I


is there like any bubble tea you like really don't like or you never, bought after that one time, specifically that one just that one


okay


okay but have you tried like the taro at other the taro milk tea at other shops other Gong-Cha


okay, but like the taro milk tea is it like a promotion is it like some sort of limited time kind of thing or has it always been there


oh okay, !wow! okay I mean, I'm not much of a bubble tea person anymore, cause I don't really spend much on it I'm is very sweet so I I tend to get like twenty five percent sugar


(hmm), bubble teas I mean I had this weird bubble tea at #liho but I can't really remember the name, it was like okay


I guess I spend a lot of money on it and I felt like kind of disappointed that it wasn't really like, that good in a sense it I can't specifically remember what it was but I just remember that one experience and then after that I I never really bought from #liho just just cause


of that one that one drink but yeah it was pretty like I think I got fifty percent so it wasn't like not sweet it was pretty sweet but taste was kind of mediocre no was okay lah it's


it's a bit too sweet but I'm I'm okay with fifty percent and yeah I guess I just didn't feel like it was worth spending all that money, which is also why I normally don't buy bubble tea cause it's quite expensive and I I tend not to but ya specifically for Liho that's just something that keeping me away ya


never I I mean it looks interesting but I don't know sounds kind of weird also


I mean it might taste good it might


alright okay true, maybe you should try it sometime then I mean maybe we should try also, okay negative experience I still remember I think just like recently I was on a grab like I took a grab from from some place in


central and I wanted to go home so I was with my sister me and my sister so I book the grab cause she was kind of lazy to go home by public transport and we were waiting at the taxi like location like the pickup point lah but


I waited there for quite long and I saw the notification that the driver has reached but like I couldn't see the car anywhere so I just kept looking I even texted the guy tried to call him like, nothing so after the five minutes then like okay so there's this five minutes waiting time I think if you don't find the person in five minutes you have to pay an extra fee


and this this driver he he waited the entire three five minutes out then he texted me where are you so I was kind of, not texted me where I am I like he replied to my text lah which I was pretty angry cause I didn't feel like I cause he was actually at the wrong location and I was waiting at the correct location so I was pretty upset because


he was scolding me on the phone even though he was the one in the wrong he was scolding me on the phone and, I mean he's an older guy so I don't feel is right to like speak rudely or anything so I just said okay I'm at the correct location can you come now


then he said okay I'm coming so after I got into the car I thought is over but he still kept complaining and scolding and I was pretty annoyed but I I I mean that's like uh it's not really the fault of like the company itself it's just the driver himself was not you know he wasn't being


nice he wasn't being like understanding he was pretty rude especially considering it was just me and my sister we're both like I mean we're pretty young he was like above fifty I felt kind of a , ya put off by his behavior lah


in that sense so I I made a complaint to the, uh grab cause they charged me the money I didn't really want to complain about the driver cause maybe he was just having a bad day but I I just didn't want to have to pay the extra three dollars so I made a complaint and I got my money back


ya that's my experience with grab, have you had any experience with grab drivers


with isn't that the original location


but it's it did did you like complain cause that wasn't really a fault or his fault I guess


but you still use grab right to okay, I'm not someone who uses grab often so I just use it once in a while


but ya my other experiences with them has been okay lah, yeah have you ever like bought a phone and then it spoil like I I remember just now we were talking about my phone that spoil but have you ever had that experience maybe not like a physical breaking just just spoil


ah so, so do you like send it to the place to repair


you you had a macbook right macbook


pro is is that a macbook pro ah, okay, I I hear a lot of people have told me like their macbooks spoil after like one year so that's why I've been kind of hesitant to buy it so instead I I went to buy an ipad cause


I mean I already have this laptop right now and it also has a few problems like the cooling fan is not working but I quite like the laptop and I think I can probably get it fixed ya so I probably would not buy


a macbook cause I, it's a very different operating system which I'm not used to firstly but also I'm worried it will spoil very, soon and then I'll be you know kind of left there with nothing


oh really oh I didn't know that okay


but you would you will still buy a macbook in the future once this one is like unusable or would you like move on to something else


personally I've never, I mean I have an iphone I have an ipad now and I got gifted an apple watch and , I guess is the ease to think that connect it it connects all to each other which pretty useful like for example I can like move stuff from my phone like directly onto my ipad or like share wifi passwords that kind of thing is kind of useful


but I'm not sure, whether it's worth to get to spend so much money on a macbook, ya it just for that personally lah cause I'm I don't have other apple stuff so ya


(hmm), ya, but, actually a lot of things I bought like especially earpiece like back in secondary school I used to buy like earpiece headphones


which were pretty expensive like almost a hundred dollars or hundred plus and it will spoil in like three months because I I don't really know why, and maybe was something about the way I used it but typically when I want to redeem the warranty right they will they will


they will not accept it because it says that is not covered so I felt kind of cheated like you said you suppose you suppose to last for like a year but actually the warranty only covers like very limited scope of things which is


I find it kind of you know not really, (ppo) something that is acceptable to me [ah] ya


part two positive experience, so aizen have you have you ever like had a really good experience with


any products or customer service like when you had a problem , cause I think recently maybe last year I , I just bought my iphone


I think last year in october and, just one month after I bought it there were some problems like I couldn't type properly I had problems typing certain buttons on the screen weren't working and after awhile I realize is this entire line on


the screen that was unresponsive but sometimes is responsive so I wasn't really sure what to do so I went to their website and I, , I went to there's this uh service where you can chat with someone so you don't actually have to call anyone which


I mean sometimes calling is a bit, of an effort so I I would I prefer chatting first, so I went to chat with the person and person was quite nice so they asked me what exactly was the problem so before I start the chat they will ask like what's the problem related to so there's a few options to go through and I selected I think uh


physical damage or something cause I hadn't really drop my phone so I really wasn't sure what was the issue so I talk to the person and they made me uh backup my phone first to ensure everything is you know saved there's no problems afterwards


but the first thing they made me do is reset the settings of the phone cause they they wanted to check whether it was related to the software of the phone and not the hardware, so we reset the settings but the problem , okay the problem would only come after awhile so I'll reset it but it will be okay for awhile then maybe the next day it will start again


so I went to chat with them again and they were quite nice they helped me through cause they understood what what was happening cause I also told them I didn't really drop it so I didn't know what was happening so they guided me through and this time he just factory reset my phone


and, I was pretty worried because all my data will be erased but they made me save it to icloud so, I guess there was that but they still couldn't fix the problem even after resetting factory reset so they booked an appointment for me I didn't have to do anything they booked the time slot they ask me which time slot and they just help me with all these processes and I went down to the actual customer service place


they check the phone for like , for issues ah or like for scratches on the side to check whether it could have been because it fell, and after that they roll an report they ask me to come back to the place in thirty minutes


and they figured out is is some, software problem it was a software problem so there was also some other problems with it and in the end, I was pretty pleased cause they just replace the entire phone for no charge so I got a completely new phone of the same model and all my problems are fixed so I was pretty pleased with the experience yeah


and since I saved everything to icloud , I basically it was like I didn't really change my phone it's just they fixed it in a sense but ya, that was one of my positive experience I guess, yeah do you have anything like that


yeah right I remember


understand okay so you call the person, okay


so you call singtel for help, !wow! that's that's pretty fast


so you got the same phone you replace the phone with another model okay nice, okay okay, ya I mean if you wanted to upgrade would you have had to pay more or


is there no option


okay but this this insurance thing it's like how you pay a certain amount like one time or like for every month


oh


I see okay but do you have to top up a lot, ah, okay that's not too bad, considering your phone was pretty bad when when you cracked it I think it's earn a decent deal ya so other than that any experience sorry


oh okay, interesting and any other experience maybe like when you ate at restaurant recently like was there like very good customer service


you use grab food a lot I guess that's you know that's a service I guess


that is true that's true was the was the food like for yourself or for bunch of people


okay, but did you get like any any like discount after that or


with food delivery apps, most of the time my interaction with the drivers or the, delivery, delivery personnel is pretty limited, I have had an entire delivery cancelled before because I have no idea why but oh I remember now there was this once


I I accidentally, ordered food for pick up instead of getting it delivered and I didn't realize it until like very much later and the place wasn't really near my house so


in the end the food kind of went to waste cause, I think someone might have accidentally taken it as well but I went to call the customer service and they were quite you know they they were understanding it was quite a


funny mistake I guess that I made I didn't realize that I had selected pick up might I have to go directly to the place and pick up instead of getting it delivered to my house so I guess I kind of wasted money there but it's also not really their fault so I can't blame them as well


so they were understanding ya and, I guess, I learned my lesson , but ya, it it was I guess kind of just a funny experience and ya ya they asked me to call the restaurant actually


because they didn't really know like I think I ordered it through grab or foodpanda, then I called food panda, and they said I have to call the restaurant because they don't have the knowledge but they were still quite nice like they didn't like they weren't rude about it so when I call the restaurant


I think I ordered wingstop the Tampines hub one ya, so I called them and I think was almost their closing time but they were still like trying to help me find cause it should be the only order that wasn't collected but in the end they tried to find they couldn't find it which means someone probably accidentally connected it


ya so I don't really know what happen but the customer service was, nice lah yeah, that's, pretty much it


okay but so like specifically what did you buy from there that they help like any particular experience


oh, so so the person


so the person taught you what to do


oh !wow!, that's pretty nice, okay so I guess she she taught you, from that day on so now you have a better idea of what what uh shade suits you more


okay that's pretty nice, I mean I've never really bought makeup so I wouldn't really know but ya, I guess that's a useful that's some nice customer service


okay (hmm) , something else I remember is like sorry ya, okay oh I was just going to talk about like singtel like when I when I needed needed to renew my plan I think renew my contract so they were having a lot of offers so I I went down to the place


but , normally I always go down to the place to buy stuff cause I I don't know I just never really bought it online like phones and stuff but this time when I went down they they showed me all the plans they have and all the offers they have and


and then they also inform me like if I purchased it online I could get some sort of discount so instead of just taking my purchase then they, they they suggested I go online lah even though like there is no difference to them like they wanted to help me and you know not make me spend more than I need to so I think I saved like about a hundred hundred dollars just because I went online instead of going to the place itself


cause I think they were having a offer online so, ya I saved quite a lot of money ended up just spending like eighty something for my current phone, cause of upgrading my plan and all the offers they already had and ya I was quite pleased cause I didn't really have to spend much for my phone


that was a good experience cause I felt like they weren't just trying to you know, push their own agenda they would actually trying to help us, which ya, I guess it's a a little bit similar to your singtel experience just now right about the iphone


travelling, travelling, in korea ah I I I I really like the air BNB I guess like


we we did we rented air BNB that time and, the house is really nice like even though it wasn't like, a very like five star kind of place but , it was really nice it was nicely decorated, very clean like and the person was very friendly also cause I remember we had a problem with the water heating and the ya the central heating as well and I had to bathe in cold water because we couldn't get the heater to work


but, like even, even though I had to bathe in the cold water cause I was impatient I recalled person or texted the guy and he was pretty friendly I guess he he taught us exactly like the steps to go through


in order to fix the heater so , ya after we did that I guess it it worked and then, that was the last day I bathed in ice cold water cause it was winter not winter it was like spring was still pretty cold so I I I I kind of regret but it's an experience but yeah he was really nice and he he like cause there's re certain


the certain ways to sort your rubbish in korea right I remember we had to sort our rubbish in like different plastic bags but there was like a ya there was a manual like in the house and I thought that was a really nice thing like, cause we don't really do that here and in korea they have this really well thought out system so we have to follow that but we didn't really know what we're doing so


it was good to have a manual especially I think actually there was a manual for the heater and the central heating but, we just didn't really understand what was happening, so, we call the guy and we got a better understanding ah , yeah I I mean that was a pretty good experience I would love to go back there


that that, that room it was just so nice, ya even sleeping on the sofa like it was still pretty comfortable, I'm I'm going to just say that, ya


part one finance, okay do you have a savings account if so share your experience and details


ah I also have a account in POSB as a savings account err for me it's easier to track, my spendings and also my savings at the same time and this allows me to like keep track virtually rather than me noting down every time I spent or ah putting into my saving account and it's a better way to track my money digitally than just having the random cash on my hands that's what I feel


err for me is just because my parents are using POSB so I just opted to POSB and not really look out for any other brand I guess


what about you


okay I don't really own a credit card or ah credit card but I have a debit card err I don't own a credit card because I don't see a purpose of me ah making a big


purchases that I don't have like cash on so I will just use my debit card to deduct my money per say because ah I I'm not planning to make any big purchases anytime soon since I'm still a student so ya that's my reason for not having a credit card but still have a debit card


as for now I don't really I didn't really make any big purchases like big purchases mostly made by parents so they own a credit card but for me I'm still not ready to own a debit I mean credit card because I don't think I will be needing it anytime soon I guess


maybe after knowing the benefits and the pros and cons about it because sometimes we get too addicted to credit cards and we just overspend without knowing our limits so I don't want to get into that trap so if I'm really financially stable then I will start considering a credit card


so what about you


I use err P ah I use under POSB passion card


and for passion card I mean I was given option to use DBS passion card I just felt that passion card's card was a bit more attractive but end up there was a quite of benefits to it like uh there's some cashbacks and sometimes discounts if you use passion card at ah certain outlets


and stuff so I wasn't really sure what I was signing up and myself to when I was seventeen so when I got a debit card then it was just a choice of which card look nicer but when I mean when I'm looking back at it now, it's just there's a lot of benefits ah for both ah DBS and P ah passion cards


but I'm still using passion card for now


okay for me there's both pros and cons about this couple scheme, like share their details bank details and like know each other spending and they can run their run their family with better plannings and style , but I feel like for me I think it's not a good idea for couples to combine their finances because this actually reduces the privacy of each other spending I mean it is like lack of trust that you want to know what your other partners are actually spending


on and if ah for example if your partners trying to surprise you for give them stuff we find it out with their spendings over this , finance accounts like joint account it's quite err it ah defeats the purpose I guess then for another reason is to promote err autonomy over your own account


if like I mean if you have ah separate joint I mean separate accounts rather than joint account because we shouldn't really rely on each other no matter how close we are, no matter what relationship we have for another person because I feel that when it comes to money matters it really can make relationships messy


and, maybe sometimes one person can pull down your home savings accounts and like your balance bank balances at one shot compared to the other so it's not really fair for both of them to share a joint account that's what I feel what about you


okay sure


okay err let's move on to next question uh next question at what age should a child get err ATM card to manage their own bank account if your child has a bank account share your experience and details about it


okay for me I got my own ATM card when I was seventeen also like right after my birthday cause ah I mean I I used to keep my savings with myself because I didn't have the kid POSB account, ah, savings account open when I was a kid so I wanted to deposit all my cash that I save that I earned into my own bank account


and keep a better track of it and the transition between my secondary school life to JC life I felt that ATM card will give me a bit more independence as what you said and it's easier it was easier for my parents to just transfer me money rather than going to the bank to withdraw the money for my weekly allowances


and the transaction was even faster, the transactions were faster and like I would I just get my weekly allowance from the nearest MR ah ATM machine be it ah near my school or just in any MRT stations which was really very convenient


so for me I think a child should get it around seventeen because I feel that's when they actually mature a bit compared to like from thirteen to sixteen they are still quite young kids to handle with money , per se as a bank account itself because it works quite a lot of responsibilities to own a ATM card


and like okay I mean sometimes kids might lose their cards like even their ezlink cards is not really very reliable so when you give a ATM card it just get adds on extra responsibilities for them and to be honest different kids mature at different rates and time so I feel like it's more of


the parents' decision to see when they think that their kids are responsible to hold a ATM card, because the err the parents know better than anyone to just give a fixed time like time frame for any family to like give a child an ATM card so I feel seventeen is a pretty good age after they finish their secondary school life or if not it's when the parents think that their kids are ready to own one I guess


I mean I feel bank account is a bit you might not know if you really get


what do you expect out of it like in the sense, err it may be ups or downs it's according to market if I was not wrong, so I'm not really ready to take a risk and for fixed deposit err sometimes the bank rate might be higher or low cause my parents are using a fixed deposit right now


so I'm not really very interested in either of it because I feel I mean I'm not really earning that much so to see the really big sum amount of like any interest or like fixed deposit rates, so for now I'm not really considering any of it so what about you


okay


for insurance plans I was approached but I wasn't really keen I've not actually purchased any of my err any insurance products from banks, okay , for me insurance accounts I mean I'm still a student so I'm not really planning big on my savings accounts or bank ah bank details yet so for now I feel insurance policies or products


is not really attractive to me in the sense that I'm putting in money which I don't really need it for now like the insurance policies and stuff and I feel is like my I mean cause I'm going part time work sunday right like since I'm a student so I feel like quite


, I feel like quite a sum of money might go into that and I don't really see the returns anytime soon so I feel like I don't really need a insurance product now, so ya what about you


uh I have not actually look into investment products yet


part three negative experience, okay so Hai-Er you would you like to share the negative experience that you have faced with customer products or services that you have face recently over or over the years that you have been service too ya


okay for me first okay I'll also like touch on , hospitals now because uh recently I I went okay for the past three years


I've gone to a and e twice or thrice, and it's a singapore I mean is a government hospital I mean we went there because we thought that emergency department in that ah specific hospital is uh quicker compared to the others government hospitals like or not try to name the hospital and


like I feel like they're more trained and professional doctors there so, the recent visit around before COVID like in Feb this year early Feb early Jan early Jan, , wait sorry it was last year sorry last year end err october ya it was then we went to a and e so if you really go to a and e you actually expect


a a faster queue process and shorter waiting time , I mean ya they do cater to the more serious patients first that's fine like I'm fine with that but the queue that we were in it took almost half a day for us to even see a doctor which was like quite shocking because