uh they will not be able to pinpoint where the incident took place be it singapore or malaysia but yes that's about it , so when we request for like maybe like why don't you check your CCTV and they will just say no we are not able to pinpoint where it happened as it there's many uh checkpoints that happen ya so something like just like that lor


then I think it came to a point they just stopped replying to your email , yes we got it from NTUC income but the same thing happened they just say you shouldn't have put valuables in your luggage, well


right I mean it is it's contract, ya it's a bit contradictory but I guess I mean I think out of the situation that happened was a bit unique right cause we were carrying hand carry items


but our hand carry luggage were not, how to say we were not able to check in our hand carry items because of the lady at the reception counter I mean at the counter she forced us to check in all our items ya


you know why cause we are very inexperienced at that time it was out of it was my first oversea trip without my parents


for me at least I haven't travelled for a longest time at that at that period of time ya, ya ya, ya I think at that time we found it strange but we complied so when we reach Penang we're like oh okay so this was it


we checked in everything and we were forced to check in our hand carry item despite being like example the duffel bag it such a lightweight duffel bag but it was forced to check in so when it came out it was very obvious that things was ransacked ,


okay because okay uh our friend ya he he his duffel bag before I check in was very small so when it came out it expanded into , ya it means that the things that were packed neatly was just uh ransacked ya, ya so


so ya so that was my first bad negative experience with like a customer service , because our situation was quite unique but they were not able to help, and they just, pushed the blame to you as a victim that you were not supposed to put valuables in your check in items


, but I think it's just unlucky cause not that they can do anything for me either , ya, , I think then the most


(hmm), maybe not so sure but it's speculations , okay I think uh the recent one would be when I change my telephone plan , from uh


eh from, Singtel plan right I change to GOMO SIM card only SIM only ya so by right the transition was supposed to be very smooth but somehow I had one, a day where I didn't have any like cellular data or plan


meaning that my phone just didn't work the SIM card was not activated at all, ya so I had to try to contact the GOMO staff but, just what you say at first level so, they just tell you they can't do anything you need back end to activate the SIM card it should be done within like uh a few hours just say they also won't pull up you know


so I will keep asking the support help desk again and again ya but I think they did try they say uh I I give them a request please uh let me know maybe by email or something when the card is activated so I can actually double check that indeed I maybe I have to restart my phone or something


ya but I think it was one day worth of inconvenience even though it was supposed to be a very smooth process so when I checked in with the GOMO staff like uh does that mean I incur one day or like late, or payment at original fee from Singtel side cause I ported over one day late right then he just tell me sorry I'm unable to help you because that belongs to Singtel


so you have to check in with Singtel on that , in my in my mind I'm just like (ugh), well the cause for late port over was because you didn't do a back end, trigger right like in time


ya and for GOMO it was done one week before ah like when I applied for that transfer, a few days before I can't remember but it was within a lead time ya so, so I I just wanted them to give me a reason why and they were unable to give me a reason why


but mainly I wanted a reason ya to see so I can actually waive off any additional charges that comes from Singtel side you know, in the end they didn't give me a proper reason, , okay lah nowadays the support is via the app you know the GOMO app so don't need to speak to people you just text them


ya but actually initially they have a robot to assist you right like try this try that so I tried out the step it doesn't work , cause they always say to port over is very easy just try one two step one two step ah it should work but it doesn't work for me at all is because the back end was not triggered right


so to for me to contact them I have to try all the step one to step five again and again you know before I have to click right on the app before it leads me to okay I'll we will contact you to the contact centre now you know something like or a help, ya so I repeat that process from my midnight all the way to the next day afternoon


because it's supposed to get triggered within, one hour , and also because okay one more issue it was uh line under my brother's name but is for I'm using it so they were not be able to help me because I don't have my brother's credential on hand also so that was one of the frustrating thing also


it same for Singtel, ya as long as it's not under your name, no very sure I think for Singtel is a bit special they will need to speak to the person to verify


, but it's a guy so , , okay , ya so that was one of the issue with customer service also lah because I don't think it's their fault it just that it's a protocol and


like like GOMO and Singtel even though they belong, it's a subsidiary but they are not able to, you know help with the main Singtel line queries, ya so


ya, but in the end because the extra charges was not too high amount so we just, ah forget it ah just pay I think it was negligible like a few dollars so you like ah it's fine it's not worth the trouble


okay do you have any bad dining experience, don't know


true I remember the one, sorry continue ya no you continue remember something


ah yes a camp uh, ya


but it's a glamping at where


but how much did you pay for it, eh but glamping is not cheap to be honest cause they provide, supposedly pretty tents and you stay overnight


oh, does it look pretty


well that's just they will say it's part of the nature


I think the I think the price point are more like a hotel stay kind of is one night is it, I can only say he didn't do his research well enough


that is true, okay I think, I have remember I remember my colleague sharing a bad dining experience but not so for myself


so she was sharing they I think they went to a restaurant to eat then the staff broke the glass in front of them like, you know where you dropped a glass and it it just splattered like near their leg area so I think they were quite upset worried because there were a young child with them


yeah so that to them was quite a bad dining experience and the food came very slow all these so all these add up so apparently I think when she make payment so she requested them to waive off the customer service charge


because they felt that the whole experience they did not really receive that kind of customer service level as expected from a restaurant, ya so I think from the experience it was a very bad dining experience for her lah, ya but


ya but that's it, (hmm) ya, ya just that, ya I think it was


yes you do cause, ya but I wasn't there at the at that point in time so I can't really describe that feeling oh I remember a bad dining experience now I remember okay so basically I went to little india to eat uh Briyani I think for little india restaurant their Briyani like it's one person per plate


right so just that we went as a group and , some people arrived first while the rest arrive later right as usual so the few guys that arrived first they wanted to order Briyani first right, so there's two guys and two girls like me and another girl lah


so for me I want to eat other dishes I don't want to eat just Briyani, so I want to share the Briyani rice it makes sense for us right but the the waiter was very insistent that all of us must order one plate, uh Briyani rice so the two guys ordered theirs then I just tell them actually we just want one plate and then we order more later and the waiter was very uh he was quite rude ya so he instructed his all his staff right


to take note of us and just give us one scoop of rice, in front of us he just say you just give them one scoop ya, by right Briyani is free flow rice ah not that I really care about how much rice they give me cause usually the usual serving is more than enough to for sharing just that then they say everything one scoop one scoop one scoop right in front of me !wah! that really turn me off


no it was in front of you cause you know the server will come in later and then they will serve you they'll bring the Briyani at you serve you the rice then serve the scoop of vegetable, ya so in front of you they just point at your plate and just say give them one scoop


ya but the thing is, it's because we're ordering way more dishes later you know like chinese we like to share the food right, I pretty sure they share their food too just that uh we do not want to stuff ourselves with carbs, ya but


but at that time I went to another restaurant but because maybe because all of us were there already so I just tell them straight up in the face I I I only want maybe like three plate of Briyani because we want to order other dishes then he the person said okay


ya he just okay no issue, ya cause we went to a different restaurant and they are okay with it ya he didn't in the face you know , give me a very black face and tell me ya and tell his staff just serve them one scope ya but ya


I think that's what happened when the restaurant is famous also I guess, yeah it was a well known restaurant, ah I think it was called banana leaf was it


ya just just that, the other dishes are not cheap either so why do we have to be so nasty about it , ya, ya we ordered curry fish head all this so they are all not cheap


ya so


okay what is your favourite bubble tea rachel, from where but from which store


you like the PlayMade one because the caramel is more fragrant is it, oh okay, haven't had PlayMade ya, haven't had PlayMade for a longest time already


but I think, ya but I think the beauty of PlayMade is the pearls to me because it has a lot of flavours , ya, that's true but to me is the pearls lah


compared to the one from Koi, Koi has what the cacao berry was it


cocoa berry ya


I guess for me I do like the Chicha Sanchen brand because the tea is very fragrant, yes but I think the price points a bit too high, for a cup of bubble tea


so I guess it's a once in a many many months kind of treat, ya but I think my usual go to is still Koi, not cheap also Koi has really increase their price point already I think by fifty cents , ya I think last time was like fifty cent cheaper now it's fifty cent more expensive


, ya I still I'm getting my Oolong milk tea will pearls, and it's hot , but I tried the other stores' Oolong milk tea but I don't think it's that I think the balance is not there to me lah I think when I try it I still prefer the Koi one


so I think for different, , oh oh yes I like the I think <mandarin>普尔:pu er</mandarin> milk tea there, I think I like playing around with the different chinese tea and the milk combination, mainly because I think a tea flavour is stronger so when it's paired with milk right it doesn't really get overshadowed by it


cause a lot of time if you try maybe like Lipton tea at home you know it gets overpowered right ya the Teh it just overpowered by by the milk taste, ya that's true


ya, from Liho right, ya I also like it too but I also like it with brown sugar, there's brown sugar pearls so <mandarin>大红袍:da hong pao</mandarin> milk add brown sugar pearls


, can leh I think, they did they did agree to it right previously,


I mean you are still paying the full price seventy cents, for brown sugar just without the pearls I mean their brown sugar come from those syrup, oh that's true


yes you can store in a bottle, maybe brown sugar syrup won't spoil that fast ya,


I still haven't tried the tiger sugar, except for the one we try in vietnam but, I haven't tried the singapore one


ya because I was looking at the customer service experience and waiting time uh, where's the where's the longest bubble tea wait that you had, PlayMade


that's true the one at next right, okay, there's a lot of branches for R&B actually


, oh you mean R&B, okay that's good actually I quite like R&B brown sugar milk tea


uh brown sugar milk, ya cause I think the pearls uh, are nice and warm when they put it in so it's still soft, I'm glad that you eat it


but I think, true I mean it gets it gets cold and stiffer at the end of day mah when you start to mix the drink, eh but I think for me the longest waiting time was when Chicha Sanchen just opened


at three one three somerset, I think ya the queue was super long, ya but now they starting to sprout out in many areas so the queue is not as long as before already,


yes I tea, uh you know the one at Hougang mall there's a few branches I think they have one to few few bubble tea shop that has a loyalty programme, when you use the card and you can collect stamps so when it hit a certain number you have free uh upsize


and you hit maybe like twelve cup was it and then you get a free cup, ya, ah okay to me is one of the cheaper, bubble tea range of course I'm not actually at Sweet Talk last time but it's still cheaper than Koi or Liho


ya actually Hougang mostly has Sweet Talk too, !huh! at the interchange there, yes eh I will very occasionally still buy, it's just a tea mixed with the syrup you know like grape red tea it still taste nice I don't doubt that it taste nice but it just syrup tea is not known for the tea fragrance


like Chicha Sanchen right, yes flavoured tea with syrup , ya cause the rest of the product like the pearl is not really anything special right the ingredients nothing special is the price point is lower


ya I think that's about it (hmm), okay okay about product that I use lasted longer than expected lifespan right, for me will be my timbuk two bag the one that I have been using since I was seventeen I think when we in JC


I still use it well I think it has a actually, I think Timbuktu bag is known for a what lifetime, is it warranty, ya just that because we bought form ya we did we bought from US mah so I don't think the lifetime warranty applies to us


right cause is mainly for the US market, I think they were quite good with their service cause initially I think some, oh I think the handle uh the strap actually broke


it's mainly because of a user issue I would believe because you know when I walk through the entrance the hook got stuck on something so it snapped so when we wrote in they actually offered to deliver something else back, ya so that was during the initial purchase stage lah


ya but after that I think I still been using it lah, so, the only issue is that it got de-colourised I think it's a natural thing from the sun everything so it has turn from grey into greenish


then you sound weird, army green colour, ya but I think it had lasted me for nearly ten years , yes the colour has changed


ya lah but aside from the colour change everything is still well or maybe the zipper, the zipper is still doing well, ya just that the plastic pieces broke off


ya okay but what about you anything that you use that, have exceeded expected lifespan


so it has good battery lifespan


oh how was, how long you been using your Kindle already ah,


ah okay, just that I think reading with phone is a bit distracting because there's a lot of notifications and I tend to forget where I stop at sometime it doesn't really sync up that well


ya compared to a kindle where it will at least save where you stop at yes


you don't need a, eh sorry you don't need an internet connection for your Kindle right, ya sorry I interrupted you just now what do you want to say


and, okay later you say it to me


I think another product that I use for quite long is my Uniqlo jacket, also from my JC days you know the white colour one with a checkered, white and grey yes, ya I still use it even though I don't think it's fashionable anymore for it has been ten years but I still use it at home


everything it doesn't look as nice as a current one will look more simple and sleek, right, , I think that's also outdated


I think at least yours is a plain colour and it's maroon lah so I don't think it will go out of fashion but mine has a checkered design, ya but I think it's okay for indoor use


ya, I think can just that people in office don't really use such jacket anymore, I don't really see people using such (hmm) they use, cardigan like a simple cardigans, or the navy blue kind of you know office jacket you know the windbreaker that the company give


ya, ya, you like some youngster in the office


, okay, okay let's talk about one more topic uh skincare you are using, well for me I'm quite a unique case I go to a clinic to get my skincare products so I I still keep using the skincare product it has been like a few years


I think four years, I been with the clinic so I've been using their product line only, ya so, ya I rarely deviate from the clinics one because well I visit a dermatologist I might as well just use their product


ya so the my last visit right I finally got to ask the doctor like do I need like toner all these then he told me actually within the items that you using you already have a toner just that it's not called a toner when on the packaging ah


but it serve the same function as a toner so with that I was more assured cause he will told me what I needs already in the seven items that I'm using now , ya I got a six to seven items actually yes, ya and yes morning and night


yes so even after using my face is still, prone to break out but I think it's just how, your genetics is


ya but I think it's coming back out , I just didn't tell him but yes I will just like oh okay , ya but what I did in my last session with the doctor I asked him for eye cream lah so he he sold me an eye serum


he say it's good so I just bought it , I think it more for I think, for the skin below eye there's some wrinkles yes ya he also pointed that out


and it's a bit rough you know the texture like there's bumps ya so that's why I thought I really needed eye cream so I got one from him


for my skincare I use a plant based acid, so I think for exfoliator there's two kinds one is acid based the other one is physical, exfoliator right, yes so for mine is let me see I think is AHA


oh is glycol, ya mine is glycol, ya it's similar to AHA lah, oh okay there's one product that I use at night only this by retinol is it let me see retinol ya it could only to be used at night


, ya but I think all these I did see online reviews before there's a lot of product lines that also have plum based acid also have retinol all these so actually, ya


actually ordinary skin is one of the cheaper and more affordable product range I believe, ya it's twenty plus, ya just that I haven't made the switch to that because I think I risk adverse


I think people with more problematic skin will be less , less open to trying sometimes cause we are used to a set of product lines you feel like if you were to deviate what if something go wrong


, ya so most likely, anything I think it's genetic ah acne all these so most likely I will not be deviating to try a lot of skincare products


okay let's see, sometimes it clog the pores, and the reason can be it's too moisturising which makes you go like !huh!


ah there's new serum yeah yes, think I have some facial mask that my mom pass to me that has this new serum I haven't use it it expired


it cause break out for you is it, ah


is that for a facial mask or is a, it's a daily serum, ah , yes the <mandarin>雪花膏:xue hua gao</mandarin> right what's the english name uh the white colour one


ya the white colour that everyone have been using since the olden days, actually I haven't use it leh but I heard it's quite good apparently


ya ya, for lazy people, all in one, oh twenty seconds left okay


but I guess for food I like using vouchers like eating goal all these to get the best value for money, right it's like brands you are familiar with you just use a fifty percent off and go and eat it at off peak timings


yes I think because they gain popularity then the, companies don't need it anymore


okay uh, let's see which one to start first, uh


SRS scheme ah, actually it's not too bad lah because when you start on the supplementary retirement scheme right you get some tax reliefs so it's okay to start its just that if I know that some people have the opinion that uh CPF savings shouldn't be used for investment lah


which also can be true sometimes cause like the special account that they give you gives you four percent already which is quite hard to beat lah outside, unless you're very very certain that you earn from your investment ya which is not a hundred percent either


so like it's quite good lah to be honest, then not enough money later age can use it , , ya but okay lah sixty-five is the age where you will need the money also


no I also don't know where to get the money right now, !wah! that one I don't remember cause I started the SRS account but I didn't put in anything to do any investment


cause like I didn't know how to start so I didn't put anything lor and I think you can only buy like SG stocks or something you can't do like US investment all that right cause you have to do with some certain banks ya


ya lor ya lor also like it's not really a lot lor I guess like, endowment plans are not bad cause I got learn about some, which will give you like annuity like annuity plan so you can get the maybe monthly payout after that so that's just like subscribing to more CPF lah to be honest


you can choose so usually people choose a accumulation period maybe let's say you want to accumulate for about five years so you pay for five years you accumulate five years then after that you can pay out every month


ya so what people do is that they choose how long they want to pay then after that they choose how long they want to wait where you cannot touch and then you start maybe wherever you want some people want to start at fifty five some people want to start when they retire all that ya


so it's actually very flexible, correct, ah ya there is because regular saving plans you don't have the waiting period ah you don't have to wait for it to accumulate and you cannot even choose to accumulate it


but with retirement plans when you choose to accumulate money right you can actually get a higher payout at the end because you are waiting for a longer time lah so it makes sense for you to get more money also ya


it's okay I haven't started also let's see oh, you guess what


are there allowed to SRS uh robo investors ah, ya I don't think they can robo investors it's heavily invested in equities and bonds mostly bonds because they don't want you to lose your capital after all


if not no one will actually do robo investment mah so honestly if you do that, you'll also losing out on quite a lot of gains lah I think if you want to do you should do blue chips there it's slightly


more it's relatively safe, and you get higher returns compared to robo investors lah, also if you do like blue chips maybe you can set up like a monthly uh dollar cost averaging you don't have to actually plan how much you put in or what you just every month just throw in money that's all


ya , ya, ya it's the same so you can choose, ya you can choose quite a lot eh you can choose reeds you can choose banks you can choose I know got SIA there got a lot lah


you should look at the selection


just create a account lor, blue chips is really more like uh, investment so like how I mean it both are investment lah but blue chips are a bit more risky than robo investor you completely got no bonds no nothing no capital guaranteed ya


ya so, but the chances of it falling is very low because they're all very well known companies, like SIA lah DBS lah uh lion REITs all that kind of thing so very unlikely they will lah for StashAway


like robo investors ah uh their returns quite okay lah plus they got, bonds all these so safer , but safer means lesser returns ya, I already close my robo investor


ya, I think that one can leh I mean I never tried that one lah I tried StashAway because when I started uh SYFE didn't have equity one they only have REITs one ya, so I started with StashAway one that one is mainly equities ya then but you should have started like before the COVID ah where everything for ah you put in your money your gains increase a lot ya


ya it's not going to last lah they they really shouldn't put this kind of expectation on people it's just like just like please moderate your expectation, now maybe they getting like nine percent eleven percent but after COVID they gonna get


five six percent lah that's how I expect, ya especially if you put in in much like that ya when you put in much now you should be getting about eleven percent it's not gonna happen all the time !huh! over already golden time over


, I'll say blue chips leh I think my blue chips got better returns, ya


no robo investors mainly in US stuff ya so when you do US things you got those dividend tax lah, but you do blue chips in singapore you are getting dividends without dividend tax at all so ya not not too bad I prefer it plus you go through your bank safer than a random platform for me ah


but robo investor is a lot faster lah if you want to just put in your money and anytime withdraw robo investors is good, ya I do have some left, in SYFE I stopped my StashAway one cause I wanna do my own investing


what do you mean like hold your money, , blue chips


this one ah because I only do the OCBC one so every month before a certain cut off date you must execute your order so you cannot say like last minute you want to change how much you want buy for the next month it has to be specifically before certain period ya


then after that then you cannot already then after that if you want to withdraw you need to write in a request then it takes one to two working days then it comes out the money, ya, uh so for robo uh investors right like for me I use the StashAway ah when I withdraw that time I just execute the order they immediately stop the thing


then after that one or two days later they wire me back the money already, it's more fuss free, , can try lor can try try the, can diversify lah I did a bit of REITs I don't know whether REITs will go up but the only one with REITs so far is SYFE ya


that one not too bad, ya it's very very low but the, returns very low also ah , I know cause I I I see my returns very low but I just want to keep my the money there to get back some


diversification , ya


that's the thing, ah with your financial adviser you need to find a good financial adviser how to say


for financial adviser I think like everyone needs one but mainly start with really just protection for yourself rather than going to invest more at it like whether you want to do investment or endowment plan right is a secondary option already cause everyone needs basic protection lah ya


cause endowment plan the returns compared to you own self invest a lot lower, ya but, you have that security lah your your capital will not decrease by a lot, because like when you talk about investment some people when they invest they really lose a lot of money I also don't know how they lose a lot of money ah but they really do ah just like boom no more savings ya like oh okay that's nice


, ah, maybe lah I know a friend that actually did goal investment before then he lost a lot of money but that's cause he he don't want to pull out


no actually he made money already then after he don't want to pull out then he end up losing a lot


Bitcoin ah, oh I don't know eh right now it's not even moving anymore seems like stuck at the thirty-six thirty-seven all that we can still look at it awhile lah until


, quite stagnant ah it hasn't dropped below thirty five in a few days already but it also hasn't risen above thirty eight for few days


very very stagnant , very very boring right now staring at you I very boring , ah


you sold it like change it back to USDT ah, oh, !huh! no why I wanna put in more money actually I very Sian


ya lor I'll just leave it there lah, actually hor that day #Tze Yang# say don't sell right I I went to sell


when it was forty ah never really hit forty-five leh only forty-one at most, no forty-one forty-one ya ah, I sold at forty


ya if I add thirty four K I very Sian when I saw it it drop to thirty that feeling


ah, it's really


ya actually is quite a Mafan process eh you need to go from one platform to another platform to the third platform (ugh)


ya lor that's why I was like seeing what #Tze Yang# say what transfer back to from finance then do it then I like never mind lah I'm just gonna use it on , ya I I don't want to transfer here and there but if you think about it he say the spread is about one percent right so if your difference is more than three percent like if you sell at a high and then your difference dropped by ten percent you're still making a seven percent ah


so it's not too bad you know like it's still an increment even though my sum is little bit right is like seven percent is a lot to me ah, don't get that in banks you know ya, but I don't dare tell him I scared he scold


I I think he will scold us,


, ya that one is like I had I didn't understand him he's like you can just hold then I see the drop right or if I just hold I think my heart also drop like that ah, from forty drop to thirty-seven


I think the rational is that you don't know when it goes to the highest then you don't know when it dropped to the lowest so if you do that there's a chance that you miss the the high then you actually sold at a low and then it just goes up then you never get it back at that low already then you lose money ya that's the only reason ah


ya that that's for us lah ya lor,


ya lor ya lor I was like a bit can already lah !wah! yes on friday stock market crash ah, ya like everything red everything losing money


uh cause biden ah, cause not a lot of people do a lot on, electric cars all that cause is the future mah ya so it's a very popular stock right now then after that when biden talk right ya, Tesla is one uh NIO NIO is very popular but uh when biden talk he never talk about the electric cars then he also started talking about the stimulus the two thousand dollars stimulus


very good eh they got two thousand dollars singapore give us how much only anyway so, stimulus all like like money hor like payout for them for the poor americans ya then uh because of that uh everyone started pulling out their money I think they think that the stock market's going to crash because of it or something it doesn't make sense one ah


ya, everything going down I very sad eh, okay let's see, oh the one that


the one the #Tze Yang# say ah, how is it ah, I think like certain things can buy and hold one like if you know that the future is okay but certain stuff is just for a quick buck just buy and sell


like the, the how you call that, vaccine company #Tze Yang# say don't buy I bought some , ya because they have a, ya they have a new trial coming out in forty-eight weeks so by then it will go up lah then I will sell


ya, eh I suddenly cannot hear you, I think it's the computer lagging


okay so negative experience with a customer service agent over the phone, , I always think about HSBC one


ya, ya is the credit card one ah I think I told you before is very very Jialat like I call in tell them about my credit card then you sign up online on the website they don't give you the card they don't tell you your order your proof then they tell you that you're not approved but they don't tell you what went wrong then when they ask for like


supporting documents is everything that you already submitted before and is I submitted the exact same thing ah got proof so I don't know what went wrong there then after that when I call in to check on my like free gift that I'm still get the luggage, and he tell me that don't have then they keep delaying it so they would tell me uh let's say if I call in today then after that they tell me oh by tomorrow you get the SMS then when the next day come I don't get anything so I have no follow up from them then got no explanation got nothing one then I have to call him again


and then after that they tell me next week that I'll get it then next week comes and nothing happens again so I had to call in again and then they'll tell me next week again then I got really really pissed off after that huge delays just time to scream at them I guess to get things done cause it's too annoying


ya so, I made it escalate ah I and make sure that they give me a better person, cause when you call the customer service agent all these people like they don't know what's going on one then like very irritating to talk to them ya it's like they have no power to decide on what's going on they can't check anything


and then it's it come to a point where I just go can you give me let me talk to someone who actually can make decisions or like be able to tell me what's going on ya, and like, it's quite bad like got one time I had problem with my internet banking and I called in and I told them that I have a problem with your internet banking form it doesn't submit and then she just keep uh do you go to the right page are you connected to internet all that then I'm like I'm at the page I am telling you the exact problem that I have


why are you not fixing my problem why you telling me something else that is non related to it , and then to the point where she just okay I I I need a moment to check then I'm like, finally you are doing something leh like so you need to be scolded before you can do something ah I I don't I don't have this time to every time I call in scold someone for fifteen minutes then get my things done leh I I got no energy leh


(ppc), so I damn scared to call HSBC, ya


ya, no I hate the part where like they they tell you something that you already tried or like you already told them you tried and then they just tell you to do it again and then you know that it's not going to work and then you did it and it didn't work and then they you tell them and then they'll just telling you another thing that's not gonna work again they are like


I I don't have this energy for this shit anymore


oh it's your Penang trip


damn Jialat, eh I don't remember that time did you get travel insurance were you able to claim, uh


I I guess that's uh, it sucks man I think sometimes you very unlucky, ya like you get the insurance for this


ah, actually a bit strange leh that you all agreed to check in your items like no one kick the fuss like it just for I am allowed to have this amount of carry on luggage why am I not allowed to bring this on plane


ha oh ya then you went on with, the people that you went with also all very okay sure we'll just comply kind of people


ya ya


ah !aiyo! ya , I


that's just very nonsense also lah if they forced you to check in, wonder, maybe the check in lady got the


I think the check in lady had some something to do with it


, (ugh) okay roll my eyes damn Jialat eh they all (ppc)


!aiya! you sometimes like, sometimes right you really just need to scream at them one like you just really need to just take a moment just to shout at them really I'm not even lying anymore


ya, oh


, uh it's ya, !wah!, oh that's really very irritating eh


ya okay uh okay


what credentials do they need, just NRIC ah no meh, oh if I were you I would just say that I'm the person ya


I mean that's what I do lah it's okay they don't know one I I did a call for my dad before then I say I'm eddy Chan then I'm like yup I'm my name is eddy ya, yup that's me ya ya doesn't matter one they don't care


ya they can't actually I don't think that they cannot lah it's just the customer service people itself cannot do it ya


eh but your, !wah!


quite bad (ugh) speaking of which, (hmm), I think I have but I cannot remember like mostly is just angry already then forget it already but there was this once that I went for like


which one which one, oh I remember like there was this once where I went like glamping, if you you don't know what is glamping like, (ppc) basically you have a ya ya but basically you had a very nice picnic it's a picnic


(ppc) and then you go there then like you like you pay a lot for it mah so you expect quite a lot, but then when you get there is like okay the food all lay out there that's fine bugs is fine okay but no insect repellent that's also not very good because we are paying a lot of money for this shit you know then after that the items there were all very dirty damn gross like we there's those


decoration luggage and everything ah then we curious cause we don't know what's inside then there's no instruction on like what you can touch what you cannot touch all that kind of thing so we open up the decoration luggage right then inside is trash, like used tissue and everything I'm just okay let's uh ignore that for now and then the food that they gave is like


it's got some expensive thing like some honey comb and some cheese lah but apart from that it's like completely not worth the money so when they say that it will give you pizza also right, I did not expect Pizza Hut pizza, and it's the personal pan one that you can get for ten dollars then I just like


damn pissed off at this company ya , , it's like oh my god, ya and then you get Pizza Hut pizza then I'm like I might as well do this on my own I don't even have to look at the luggage full of used tissue that was gross so gross


(ugh) so bad, uh when my boyfriend pay and then he paid three hundred dollars I want to slap his face like, I just wanted a picnic why you buy this


the tent is the tent is, half of my height, ya food, it does lah it does look pretty, but on closer look you will see that everything was pretty gross and dirty ya I mean when you are sitting on the mat you were like


oh it look pretty from like way over there and now when I look at it, do they even clean these things, I'm scared like really , oh my god and then they give us like


Pokka green tea which it's like is nice but I paid three hundred dollars for Pokka green tea it did this does not please me like it it actually hurts my heart


no that's the thing it was only like a picnic so like I sat there for a few hours, ya it was , ya the I uh ya


it's like I can't I can't complain much like about the company I guess they delivered what they promise on the website in a very low low effort way ya it just I I I think about the money and go


I could have thrown this into like a stock and it will probably gave me like five percent, I just get, cannot ah ya what about you leh


!wah! okay that that wasn't as big as a issue as I thought it will be , but I guess with a kid you get more sensitive lah ha, ya very dangerous


(mmhmm)


ya it does


!ee! this kind of people, ya, !wah! that's very annoying leh I mean they can do it like behind her back herself lah but


(ppc), !wah! this one this one very low EQ eh this guy


(ppc), !aiya! they I I guess they like a lot of rice that's why but but still very rude leh I think it doesn't excuse them ah


ya okay obviously that's a better guy


!wah!, (ugh) that one all I can say is !wah! low EQ very low EQ


oh it was a famous restaurant ah, oh ya I heard of that one okay next time I don't go but the food good or not


actually ya all their their like <mandarin>配料:pei liao</mandarin> all that is very expensive to be honest, oh okay time's up


okay, caramel milk tea it hasn't changed from where ah actually I like the PlayMade one eh it taste better


ya correct actually I think the tea also tastes better leh, or is it I just biased , but then a PlayMade one like not bad leh


ya the queue always very long, that's the only thing that I don't eat from PlayMade so like a bit waste time to go and queue up to be honest but the the ya


ya I like the the liquid eh recently I tried their cocoa latte uh without toppings lah cause I don't like toppings but it was really good ya I like that one like drinking chocolate ice cream


ya cocoa macchiato, oh cocoa berry macchiato ya but, ya actually they're both very expensive I don't know why I wanted to say about the price you know right when it compare, I think I like the PlayMade one more eh maybe cause it's newer to me right now so I like


ya, !huh! they did, you still getting your like <mandarin>乌龙茶:wu long cha</mandarin> milk tea the warm one ah


, oh my god,


how about the one at next the <mandarin>鸳茶:yuan cha</mandarin> ah I think that one nice eh, but,


I, ya that one cannot make it ah


I think I don't know how to make that's why then it taste weird, ya, but I like the <mandarin>大红袍:da hong pao</mandarin> milk tea ah from Liho I think that one not bad ya that one not bad


, if only they can add the brown sugar without the pearl I gave up asking on that already some can some cannot, like some some will agree some were like cannot cannot cannot then I like like oh okay lor never mind I don't wanna ask already


ya lor ya lor (ugh), maybe next time I should just make my own brown sugar syrup, ya maybe if I make my own syrup then I bring it around then when I drink milk tea I just add some


that'll be quite thrifty just imagine eh don't syrup squeeze I think we can also make, ya I don't think so I assumed that's how you is the same as how you make caramel syrup lah just melt the sugar add water stir stir stir then you get brown sugar syrup


very easy to make actually, uh ah not worth it lah not worth the money, R and B better


PlayMade always PlayMade it doesn't change ya , ya uh I think cause PlayMade has very little branches now even R&B is like faster already cause like everywhere also have R&B


ya, then they gonna make one at next ah , or like Hougang mall, so I can get oh but there's one near me eh like somewhere in the Buangkok area, R&B ya


ya, it's the only pearl that I eat actually


if I ever feel like eating pearl but after chewing for too long I I feel like my jaw very tired, then don't like to chew already, ya lor


oh you went to queue ah,


ya lor ya lor good thing ah good, value for money is there any bubble tea that is value for money actually, oh that there's one at


ah there's one at avenue eight leh actually, ya, Sweet Talk ah eh my house here still got Sweet Talk eh Hougang green there


oh my god , but I don't know like anyone that still buying it to be honest, really, ah


it's just like soft drink,


!wah!,


ya , oh my god , ya the lifetime new


oh ya, I remember you having to ship it over and everything the whole , very long saga


, !aiya!, oh


oh ya, this weird green colour


, ya I think the last time I saw it I'm like I don't remember it being this colour I was like is it my memory spoil or something


ya it still looks really good eh like to be honest it look good surprisingly oh that one I didn't even notice to be honest


lasted longer ah, let me think ah cause I don't think I have anything much maybe my Kindle lor if I don't touch it for very long right it still have battery on it I very surprise, like, ya so like because of the battery lifespan right it doesn't kill itself


cause when your things run out of battery right what happens is that your charge spoils mah then your next charge will be lower, so your battery life will decrease a lot ya so cannot let them die but then my Kindle never die so , it's still alive I haven't touched it in a few months


few years already eh ya, and I sometimes I just leave it alone for like months like see still got battery, yeah so surprised it still works and it still looks good, I mean if I don't use it then of course it will look good lah but


ya it still looks good got a lot of free book nowadays ah under Amazon you can search for free books then they will give you a lot of free books, ya actually you can also download the free books and send it to your phone as long as you save it to your Amazon account ya


there is also a kindle app that you can download on phone then you can use that one also, recent, ya


ya, I think, I think phone too distracting already ya like when you use phone like everything distracts you notification, you know then I start reading webtoons and stuff instead of the proper book cause got pictures very nice very fun !huh! oh there's this recent


no need no need just when the initial download of the book, so you can bring it anywhere, save paper also, oh I wanted to say there's this webtoon that I read like not too bad eh it talk a lot about tea maybe you can read they got teach you how to make milk tea


in the most traditional way ya uh okay let's see ya can describe the


ah the checkered one, ya I remember that one, does it actually lose fashion


you mean the current one isn't it the <mandarin>毛毛:mao mao</mandarin> one that I have the inside <mandarin>毛毛:mao mao</mandarin> then, oh okay I I very outdated


ya it's just the very ostentatious fur, okay lah I think still okay I remember it, ya especially office do you even bring it to office


!huh! then what you use not cold meh, oh ya that reminds me when I wear the maroon jacket in the office


they just ask me to turn it down , I look like I I running away from winter or something then you just tell me if I do to just turn down the aircon, ya good times good times


uh skincare ah


ya you cannot choose other kind also hor, for me I switch around a lot so I haven't found one that I really really like mainly cause like so troublesome have to do toner lah all that kind of thing then I very Sian do you do like your toner and everything the ritual


oh seven items oh my god, ah do you use them every day, okay !huh!, oh my god uh


ya unless you go do something like what #Tze Yang# did ah his skin really improves a lot leh, but I don't know, ya you just have to do it again


he own self figure out , will it help reduce dark eyes circle there's the wrinkle ah


wonder if I have I think I have, ah


speaking of which I need an exfoliator do you have like okay do you use exfoliator, oh


oh is it the AHA BHA one, oh I have those but you cannot use that in the day, I have also


but I know you cannot use in the day if not your skin will get sensitive to the sunlight or something then get more stuffed,


actually I heard, have not very cheap some more ordinary [orh] ordinary has a lot but it's also very very cheap


ya and its quality is not too bad lah, I think, , I I think I I don't know whether you should try also leh I like quite scary for you to try to be honest ya


yeah less inclined right, ya very scary very scary , actually is like is it genetic for you


ah ya, ya skincare quite difficult, uh some of them I use I got a lot of pimples eh very irritated ya then I just cannot use ya


got one I use the the what they call it this new, I don't know ah the slimy shit ah like very gross oh my god that one uh very sticky very gross ya never going to


throw it away anything with snail I'm going to right now really very bad ah, I think it's because it's so sticky right when you walk around then the dust particles gets stuck to your face that's how I feel lah I don't know whether it's true or not maybe I'm just imagining things but it definitely cause more pimples for me then I like (ugh) cannot use gave it to my sister


they call it a they call it a all in one cream eh, ya, ya so I wanted one like that, I wonder if there's anymore all in one cream


uh Hazeline Snow, Hazeline Snow ah, !wah! do I want to go back to that, actually not too bad leh like I think at young that time got see my mom use then she say not not bad


but there's also that Olay ten in one benefit thing don't know how they work is quite a lot of benefits in, ah thirty seconds left, okay uh okay


is it just me or like Eatigo the section getting lesser and lesser


(uh) okay time to stop


part one personal finance, !hey! hi joy how are you


ya long time no see ya we're just wondering right how do you actually save up every month in your what kind of saving plans do you make for yourself cause you know we're at this age where we had to start thinking about you know uh retirement and all that right make sure we have sufficient


oh okay actually for me right in terms of CPF I mean that seventeen twenty percent contribution from myself and also for the employer goes into it every month


so I don't really look at it and I was just thinking CPF right they they do pay quite high interest rate there is some, I heard of this new scheme from first january to thirty first march this year where those of us under fifty-five we're all younger than fifty-five can earn uh up to five percent on some first sixty thousand of the combined balances


I think this is very attractive I think it's going to help me build up faster whereas , CPF is not liquid you know so I can't take out any time although I know that at fifty-five I can take it out but again is also subjected to the minimum sum so I am not really into stocks because I think they're really volatile


but I also think that I should, learn maybe I should learn from you what are some of the good blue chip stocks that I should go in for because , because this might be a good time when the shares are at all time low right anything that goes down will rebound so maybe I should you know start investing in some stores and keep it and waiting for the rebound later on after COVID you know post COVID what do you think joy do you think that would be a good plan for me


alright


that's true that's true, ya it's not liquid , , how much is that actually


ya true right I mean when you rent it out and then you still have to pay your uh you've you got to pay for your maintenance upkeep of the flat and so on and then netting that our I think in the end the the ROI that you get back from rental may not even truly beat the inflation rate ya


oh that's great ya, , !wow! ya reward yourself for all the hard work you put in what about credit card ya


oh


ya I try not to as well I mean I used to spend quite a bit on clothings and all and I realised that my cupboard is so full of clothings you know even clothes that I don't wear I didn't get to wear and then


it it the fashion sort of uh it's became out of fashion then I have to like clear out and throw virtually, clothes that I haven't worn before so I really think that I should cut down on that and I was also thinking of my credit cards right I also have a lot of credit cards as some of which I don't use and I understand that some credit cards will really give us a lot of uh mileage you know


I wonder whether you have have you heard of this StanChart uh manhattan card that pays you like that gives you like up to three percent rebate if you spend a certain amount every quarter , so when I when I have a big ticket items like a tour you know pre COVID days lah and also if I were to buy uh appliance you know like a maybe a new washing machine


I would put that I will put them on that charged to that credit card so that I can get the three percent rebate and it can be very attractive three percent maybe of a thousand is already thirty dollars right so the cap is pretty generous as well so I feel that


I if I do a little of homework, on uh which credit card to use it could add up it can amount to some saving and then for UOB card the UOB one card is really good as well uh because there are three tiers right five hundred one thousand and then two thousand so if I spend five hundred every month then every quarter I get


how much three percent ya maybe fifty or something I mean it still free money is not a lot but well, you you earn as you spend why not right ya so what about you do you have any good credit cards to recommend


okay so you do a lot online purchases , , (uh huh), yes


but the thing about credit card is that


the thing is I don't like to put it on GIRO because once you put it on GIRO right then you wouldn't know when you wouldn't be uh be so conscious of them deducting or, uh you having paid out the annual fee which can be waived right so usually I will pay uh I will control the the payment but when I when I do that right then


if I'm too busy I might miss out and then end up with a late charge which I have to then call in you know dial uh call to the bank to get it uh waived and I I find that that's really , such a chore and uh if they don't waive it then I spend up I end up actually paying more than ya what I spent so I I find it happen gotta be careful about spending on credit card also ya


oh you do okay


(uh huh) there you go ,


ah yes


oh for such a loyal customer they should auto waive it


, oh dear but you managed to do it , it's good


that's right ya, just do it ya so you still need a human being there, like oversight ya to provide a oversight, my son is now twenty-one and uh cause he's not working so he can't


uh apply for his own credit card do you think I should give him a sub-card then you know I'm also afraid that do you think a young person should own a credit card you know, oh should I ya


, that's true ah


ya ya cause the expenses will come in a consolidated statement to ask the principal card holder ya , I was also thinking right how much does it really take for a singaporean to retire in singapore right


have you read about those there are a lot articles being written on those but do you have a like a ballpark figure in mind


ya that's what I heard also one million right, ya because the cost of living in the health care costs will be going up year after years so it might really by the time we retired it might really snowball to that figure


ya , yes same for me I how I wish I can retire at really like not a few year ya maybe even before sixty I hope you know


looking at the number of years you can enjoy in good health because there are statistics that show that the later that you retire the lesser number of years of good health you can enjoy correct , so I still want to travel and all that so so I I really want to aim for a earlier retirement although the government has increased the retirement age to even seventy right progressively I think in twenty by twenty thirty we can actually retire seventy


ya but do you know that (hmm) right now sixty-two, I don't think has gone to sixty-seven yet I think it's still sixty-two ya progressively it'll go to sixty-seven and then even up to seventy , ya


so it's pretty scary to think that you know okay let me try to recall right , from what I understand right if you retire at , okay let's say you retire at fifty alright the number of years in good health ah


years to really enjoy retirement is twenty-four, because the average number of years in good health is seventy-four , uh , uh what do you call that uh, the average


lifespan ah lifespan of a woman woman is longer eighty-four around okay let's round it of eighty-five right , then number of years in good health is seventy-four so the last ten years ah of our life ah maybe we will be uh we'll be weaker you know what I mean and


may have more health problem so if you use seventy-four minus fifty if you retire at fifty you have twenty-four years to enjoy you know a good health retirement in good health but if you retire at sixty-seven you only have seven years you know to enjoy truly good health eh


so we really have to I I feel lah that I I don't know how to do it but I'm just have to start planning for it better late than never right,


highly stressed correct


barely enough , , ya it's something that will confront all of us and many of us don't, I I didn't want to even think about it because it's not a pleasant thought right so I didn't want to have that I have to you know to be practical ya


perhaps perhaps ya, , so for insurance right I tend to go for the independent financial planners that means I won't go for someone who represent solely for particular brand like AIA or Great Eastern


because I feel that uh for a few reason number one a independent financial planner right will have knowledge of a variety of products, so I have more choices and I will have more choices and number two is they are not going to be very bias uh for or against certain brand right so in that way it also opens up more choices for me I will have a more neutral or objective evaluation or recommendation from them


so my current , insurance agent in fact she is a financial planner independent financial planner and I don't end up paying more also she she get her commission from whoever whichever product she recommend whichever firm she recommend ya depending on my needs this is one way of


so called getting uh increase the objectivity lah I guess of your of your investment, what I think ya


, I really try to go cashless, you know I teach in a poly right uh we started very early our foodcourt even before the foodcourt today now if you if our foodcourt today are encouraging paynow correct you can scan so you need not handle cash


so the polytechnic actually started it uh earlier about two years back we already have the scan the paynow so I find it really convenient cause first of all right to take cash out you know we stay in when we we don't stay near the market or foodcourt our ATM the nearest ATM


is at least ah fifteen minutes away by walking right so if I were to rely on cash that means I will have to regularly withdraw money out from the ATM right to use so I will rather not, so I just go for the cashless paynow uh use paynow to scan to pay or paywave if they do accept credit card I'll be more than happy to use my credit card you know what what do you think what about you


ah, , , it's changing ya ya because the government is encouraging the cashless digitalisation and some hawkers have gone onto the ya to the bandwagon so called


ya that's right right we depend on our gadget okay alright


part three negative product preview, !hey! joey you know recently right (ppc) you know I love to eat out right so I went to this uh want to tell you something very unhappy


not really very unhappy but something that really upset me lah ya, so that I went to this buffet uh not buffet it's a it's a it's a steamboat steamboat


I don't want to mention the place ya ah at the moment so you know this you know those mini-steamboat kind of a, steamboat bowl right where you have a division in the middle so you have two kind of soup right, one for each person so I had uh my me and my friend uh one of us took the pork bone soup the other person took the chicken soup


okay so now this pork bone and chicken soup comes in has different a different what we call that ingredients alright so for example the red dates goes only into the pork bone soup , ah the chicken soup doesn't have red dates, it'll have some veggie


floating in it so you know uh every now and then we will get the, waiter to come over to top up the soup isn't it, so now my friend didn't like the the the the red dates so I actually transfer the red dates into my chicken soup


from the pork bone soup so when she came over to fill up right she just pour she did she mixed up you know she pour the chicken soup into the pork bone soup, and it's too late for me to stop her that I was like we were like look at her what what what is this chicken because the liquid it's more yellow


chicken is more and so when the moment it was poured out I saw that the colour is different so we know it was wrong then she say ya, then I said but you didn't even ask us you know so I told her I say why didn't you check with us before you you know you need you didn't even confirm with us you know which soup you should top up with


and instead of saying sorry which I expected her to just say sorry and that will be it I'm not going to ask her to replace a whole bowl right and she say no she spoke in chinese and she said , uh no I go according to the red dates your red dates is here what that's why I were to top up here remember the red dates supposed to be for the pork bone soup I said no because I moved the red dates over then she say then I won't know


it's like my fault you know I was very angry I was like actually you could she should just could have just said sorry right cause I have seen , other restaurants you know when uh, when a waitress make a mistake sometimes they will say things like oh ya she had done that hor sorry ah and that will be it right no big deal you know I mean all people make everyone make mistake right no one is perfect but the fact is what took me is really that she continue to argue


and insisted that, there was nothing wrong I was in the wrong I felt that I felt that she make me feel as if, I did something wrong because I moved the red dates so therefore, I let her to make that mistake so so I just think that you know ya that was really upsetting for me and I think that the service in singapore right I think they have uh we have a long way to go


although the government has been encouraging you know service excellence training from the front liners I'm not sure whether the employers actually send their frontliners their their servers you know or, their crew members to go attend such service so that they can really learn the correct way to of responding to customers


so anyway the food is still good so I'm I'm just going to have to go back to the same place, ya it's just one of , yes and also I I got to be careful as well as a consumer that


I will have to tell them before they start pouring that soup in if I were to move the ingredients around , so it's really unexpected ya


ya huge shortage,


ya ya true true ya


have you encountered any bad experience yourself,


it's a vacation job for them, ya


, who said sorry who said that


they told you to move goodness oh goodness, they sort of instructed you to move rather than requesting you to move I mean it could be their job right to move and if you are doing it for them they should thank you should be appreciative of you doing that but instead they commanded you to move oh my


they quite rude actually, , yeah


broth ya, ya, ya, sure


yes


correct, because the next dish is appearing


push your plate aside , is it , , you make me stressed you have food piling up you're not finished


ya true ya, , in a way we sort of have to manage our own expectation that means we have to lower our own expectation tell ourselves that we are not going to expect a top notch uh service over there we are going to be prepared


to be uh commanded talked down to and just cooperate with them like you said just cooperate


, the cables ya


, yes


, , there's that internal affairs actually if they are not gonna be if they're gonna be unhappy with each other in different departments that's the internal affair in fact ya


, likely ya


, oh dear, arrangement ya ya


okay that's great, well


, , ya you can see that the departments are not working very closely together they forgot that their serving ultimately all of them are actually serving one customer so they should coordinate very well and appear in unity right


rather than bickering you know or pushing blame to each other, and in front of the customer and that's even worse, well, we don't have a lot of good things about telco you know service in singapore uh there's always one complaint after another uh but


the fact is we don't have that many choices because on it's a uh uh there's only one telco that has got the biggest coverage in singapore ya, although although we try to (ppc) some of my family members try to switch you know uh their mobile phone providers to another one because it's cheaper and so on and the service might be also better but the the fact is that right the wifi coverage right the coverage is not as good and it's not as stable


as the main one so I think we know who we're talking about and so so we had no choice but to live with it, and like I say pray for uh a good service pray for uh every time they come to our place or they provide a service so I'll just pray that we get the


uh a good service staff ya, ya


ya thankfully, that's true


yes we are at their mercy unfortunately ya so you know recently right I went for a course in personal data protection


and because is a practitioner course which is uh intermediate level so the government has designated only I think two places to conduct this, two of the polytechnic were able to conduct so I pick one one do it remotely the other one do it in face to face so I picked the face to face thinking that I had more I would have uh more interaction right with the with the trainer so (ppc) so I went in with two other uh colleagues


and uh and to our surprise right the trainer was a quite unprofessional you know the first thing he said in the morning was he said okay uh you know uh if if if I understand you guys had been waiting quite some time


for this this run right the fact is that uh there are not many people who can train and I happen to have this uh certain you know cert there's a certain cert I can't remember that name and because uh because I happened to have the cert so you know so the poly have to wait for me for my availability as well


you know we all like rolling our eyes you know are you trying to tell us that you are so rare and so supreme that we have to be eternally grateful to you for for teaching us here so that was really uncalled for I felt


really , really surprised really at such a attitude in such a uh setting at such a professional setting, and you know and throughout that two days right he was giving very little value to us he was literally reading off the slides most of the time off ya


I I mean understandably the the the subject is very dry because it's a it's all rules and regulations but he could have actually make it come alive by showing us or maybe describing some real case studies or used cases right to illustrate the application of those rules but


but we have to like push him to it can you let us know since you have been a consultant you must have, great many of experience with this uh could you share with us and then he managed to open up a little and tell us a bit more so he he just give us that feeling that he would rather be in somewhere at some some other places than be there teaching us


but (ppc) mind you you know they get paid very handsomely for this is like uh if I'm not wrong right I can, the market rate for this will be eight hour course he's probably earning close to a thousand a a day teaching us you know and and he just (ugh) ya he just had all the qualities of a trainer that are undesirable


and me being a trainer myself I was, horrified ya to to to to to have encountered this trainer, so , no ya correct


, ya that's right, that's right


yes quite arrogant ya


hi joey uh hi joey how are you , long time no see eh ya you know we haven't met because of COVID right but prior to that right we like to do go shopping together so have you been doing any shopping yourself


, really what happened,


oh, !wow!,


ya the looks are important too right not just performance


never heard of that brand


, !wow! did you return something oh


oh okay , wish you luck so your shoes are you doing well with that new pair of shoes, okay so you are waiting to use it ya


you run about visiting houses house to house that's great


uh if you ask me about shopping right I'm the I belong to the group who does more of online shopping these days , face to face shopping actual brick and mortar shopping I would say just for my groceries because nothing beats having to being able to look and touch and feel the texture


you know of that uh look at that vegetable or that uh melon you know or that orange so I can't see myself buying things online uh fresh food online but as for skincare as for


ya or personal hygiene products right I have no problem buying online in fact I do a lot of comparison because of the convenience of uh comparing across different platform I usually get, I usually are happy to get the lowest price across different platform like Lazada or Amazon


EZbuy or Shopee even right cause it's so easy to compare these days so usually what I do is I will read the review , I may not necessary buy from Amazon but I do go Amazon very very frequently just to read those review because they're like it's a big market in US so you read a lot you will get to read a lot of different


opinions about a certain product before you buy and or you can even uh filter it by the positive review versus the negative review and so on so it's really interesting and there's also community discussion people will ask question and then


those who have actually bought the product will contribute their their their their views and then you can read all this very unbiased views and I I tend to trust them a lot, so true enough you know whenever I before I buy something I would do such a research and then I'll look for the cheapest website to buy and then in uh invariably I will end up with uh Shopee or Ali express alright this two are the the best I will always get them what are the lowest prices there and


ya so save quite a lot of uh make quite a lot savings I would say from uh from doing this little research from ever from these things there from personal hygiene from things that I buy like uh


toothpaste toothbrushes uh skincare products or body lotion and things like that, think it's good ya


good for you then wouldn't crowd of the place I leave the space to you , , I I also noticed they are more eager to to to support to serve us ya because


ya because like you said there are less crowd right and they do need the business so they are more attentive to us


ya, since you travel a lot right joey what's your favourite airline and what make you think that they are so good ya


oh so it gives you a good feel a feeling, where we travel on our, eh SIA is consider our national airline okay national airline yup


ah you are a high flyer is it krisflyer, krisflyer member or something


you'll get good deals on board duty free ya


you know food is a very big thing right for singaporean so our favourite pastime is eating so once uh we went into phase two right post I mean after CB !wow! we're like, like like we are just being released from prison you know it feels like and then we all Chiong you know to to to go and uh enjoy a meal at a restaurant so one of my favourite I discovered which I have been going back


like almost every month I will make a trip uh would be have you heard of this uh place call uh Shilifang it's a taiwanese hotpot restaurant, they have very many different branches in singapore the one nearest to us is at Kinex so I just went there yesterday with my son


you wouldn't believe right that it's really value for money you know for nine ninety before GST right you can get a set a personal , steamboat set and the veggie quite a good variety a whole basket of veggie and uh the freshly cut thinly sliced uh plate of meat


and it it it's uh drinks are extra if you don't want to if not you can add eighty cent for free flow of drink I really think they offer very good value for money you've got to try, if you like steamboat and is healthy too joey ya so I go there like once a month I have tried their Shabu uh mean okay it's steamboat that means in japanese we call #shabu shabu# right so is steamboat the taiwanese style they had a very different


different kinds of soup base they got chicken, uh pork bone <mandarin>麻辣:ma la</mandarin> even you know their newest addition I just like the variety there and the value for money meals that they serve and the the (ppc) okay the


the restaurant the waitress right the waitress and waiter they all wear uh this very cute cap okay squirm like a like a you you know the cat right has got these two uh it is like a cat, ears you know have you seen those those cat where they have these two ears like a cap so they look like they look very cute I would say even the auntie will wear it right I just feel that they are they are very friendly ya very friendly and


ya you know the noodle I always order this uh <mandarin>拉面:la mian</mandarin> right then it'll come to your place when you're ready you just signal to them and they'll come and pull the noodle for you ya so I always enjoy watching them pull the noodle right ya very and ya the service is very prompt as well


cause they have enough manpower I notice that some restaurant there really cut down on their manpower so you got to really wait awhile to get their attention but not this one they're very attentive and all that so I really liked this restaurant I will highly recommend it to you if you haven't tried it ya


personal set , ah not buffet just a set but you really it really it's quite a big portion ya really it's got noodle you can choose uh for the vegetable right you can actually choose from three different sets so one of the set that I choose comes with the egg with the tofu the <mandarin>冬粉:dong fen</mandarin> the


the noodle the handmade noodle and then the veggie they have got cabbage uh cabbage and it's, carrots and then with a black fungus so you know for one person right if you were to buy home and do your own buffet you can't have that kind of varieties and you and nobody will sell in that small variety right so ya so and the soup is nice too and you don't go


and you don't feel thirsty after eating meaning to say they don't really have a lot of MSG, ya so it's more healthy , maybe you should try ya, ya go together


oh she loves steamboat too ya great, , yes yes my neighbour #Puay Hiang# just went uh with her daughter and she was raving about it


but what's so special really meaning, (uh huh) is it chicken soup, oh okay


, true


, yes, !whoa! very knowledgeable


!wow!


so good variety right, really


that's true, okay


ya ya ya ya


for you ah ya we will never get too much of a good thing collagen is good for us especially ya


, yes is lovely to have it when it's cold ya exactly so you know my son who doesn't really go for hotpot you know young people would go for their


fast food western meal fried stuff and yet right he's not a hotpot person right and he's like all ready to go you know every weekend when he comes back home from his hostel stay, and I would suggest and he would have no objection in fact he will say why don't we he will even suggests that we go for you know ever since I brought him one time then we have been going back like almost every month


ya it's really great , ha bubble tea (hmm) not really fortunately because bubble tea has got a lot sugar do you have any good recommendation for bubble tea or


any, Jollibean okay the Jollibee is soy bean right isn't it


ah, ya


ya heard of that, bubble tea itself is already sweet right and you add on top of that this is going to even make it even sweeter and increase your glucose blood glucose level


I think I think what you suggest is a very good choice because it's a healthier version of bubble tea because soy bean is healthy, especially for us women right cause it will it will give us calcium, ya is an alternative to milk


I think it's great great choice really


really, , ah yes the the mascot


the bean is a is a the the mascot is a bean, ya


, , ya I I've never really take notice of them


ya really, (hmm) but thanks for sharing


(ppl) [oh] so wonderful


part one personal finance


I'm good hi lynn how are you


oh yes this is a a good question so I actually started planning for it you know uh quite a while back so as you know you know CPF is a good source cause it gives good interest rate so I always see that as the bonds equivalent


so people will says that saving in the banks the interest rate is low so it's uh not advisable to put too much money there, so I do like uh separate between my CPF


uh some amount of money and then fixed deposits some amount so as uh to allow some liquidity in a sense and then stocks I do invest uh quite a bit on stocks uh, but those that's a capital uh


in a sense that the ya not so high volatility and the, ya so that I've been going on for awhile so and of course try to cut down my expenses as much as possible I try not, spend you know ya on the unnecessary nowadays how about you to


actually you need to ask yourself you know uh what what are we saving uh for and why we are saving for, so uh as mentioned I started a saving plan about uh, I would say more than ten years ago because uh


I decided that I'll be single and and I have no kids so I see that my uh, nephews and nieces uh yes they may help me but still I need to rely on myself after retirement so ya so that's why I felt that having a steady income on one hand is important and at the same time


with no children then I still need to grow my money so my my my strategy for the in the sense of the CPF you're right you know you can only take it out after fifty five but based on the market , interest rate CPF actually offers the best in the ordinary account there's two percent


and then in the uh special account is four percent and if we reach fifty-five there's a retirement account is also four percent so is very good because you know I have friends that bought properties and rent out right nowadays can't even get four percent


they get two two , ya


yes that's right so so for me I see like uh the CPF my strategy is more like a a steady income generation for my expenses in the future , then my stocks is the one where will generate more income for I will say some other stuff like going for trips maybe and once in a while buy my Prada bag


yes, but having said that , so as you were asking about which stocks right so I must say that uh


I only go for some of the stocks in Hong-Kong frankly the the china H shares stocks you know and partly because uh I was living and working in Hong-Kong for awhile so I understand the market conditions, and in singapore somehow jinx I don't know why I cannot uh I invested in whatever stocks and then I don't


ya good good returns ya so talking about credit card I'm also very careful because uh, I don't try to you know overspend and I and uh pay everything on time so how about you


ya it is (mmhmm),


ya I've actually heard of their the UOB one card the ya, ya I would look into the StandChart manhattan card in future what do I use a lot is the DBS women's card, so it actually uh provides double points for online purchases


so uh, ya because uh I used to like book hotel rooms air tickets right everything online and then nowadays uh because of COVID right so I started buying you know my groceries online and


uh you know even some other things on Lazada and Shopee so ya I use it quite often, and , so it


ya that's right I'm also in the process of , consolidating uh as you said you know so I do put my payment on GIRO, but but but many times my they will charge me for the annual fee and


and then I have to call in so sometimes my luck is good sometimes not so good, and uh so it's real real hassle but because I use different card for different purposes for example I'm a member of the NUSS guild house


and for the NUSS guild house uh there's a special arrangement with DBS, and so we have to pay monthly subscription to the guild house and recently they suddenly charge me for the annual fee I was like !hey! you know why


ya and I said I'm paying, that's why so I call in and it took me like uh three calls because nowadays they don't entertain on the phone so when I call in after pressing a few buttons


then they say okay you have to do it online so I went online and then send my request and then only a few days later then they say no then I got to appeal again I say !hey! so then I called in and want to talk to an officer and then an officer was like uh oh


okay we'll try it was finally the third time then , , uh ya I was lucky lah third time lucky the uh I told that I'm, actually paying regularly and I've been a long time loyal customer and so they said oh ya true true true because the system they they go by like certain keywords nowadays because everything is automated so she say she manually will just change it ya


yes ya


well I think the problem is not the credit card sorry to say uh is the discipline that you've to instill in your son, I I think it's good to for him then he can accumulate points as you said you know uh when he make purchases uh


uh then we try to go cashless now right nowadays , so uh credit card actually I have friends that give their son supplementary card then they can control their son expenses they tell uh the


yeah, yes yes


well in general with, want to live comfortably I was told that is at least one million nowadays, ya but I'm thinking is quite a high number


so that's why I'm still working, ya that's why I've no choice but still to continue working as I said dabble dabble in stocks


oh !wow!, now what is the age I'm not up to date on that is it sixty-seven, sixty-two ah,


, (mmhmm)


, ya


ya ya I mean we live in a I would say highly stressed, uh environment, uh you know the cost of living is always going up, and , singapore yes our government so far has been providing some social support


but it's not enough lah, ya so, with I mean is uh I must say, ya thank thanks for your share sharing I think uh I I have to start thinking


yes, ya because I've got, insurance agents coming to me reminding me about uh retirement planning you know


so I always felt that they are just eager to sell insurance to me uh without looking into the interest at hand but I think maybe I should now give them a chance to, to plan out you know ya


what I should do


ya that's good advice ya ya well nowadays right you know we're we're talking about going cashless just curious do you prefer to use cash or go cashless when paying


ya I prefer to go cashless I actually I love to use credit cards and uh there's various apps you know like uh food republic, you know when you go and buy uh meals I will use uh favepay, uh F A V E and uh as mentioned you know I shop online and then


but then I I find that ya at the heartland you know is changing is changing because uh ya, ya


ya the only thing is that uh there are a few times like for example I went food republic to use my uh favepay then I ran out of battery on my phone so I couldn't


part three negative product review


oh I'm sorry to hear that, oh okay


, ya wish you better luck next time !wah!


ya you are, well I suppose this is due to the shortage of uh retail personnel I I suppose, with the COVID situation we used to have, uh quite a bit of supply from malaysia our neighbour


and now many of them are stuck at home , so what I realised too is that they just get people who are interested to work, but some of these so called serving waiter waitresses they just go for the money


they I'm not sure if they really enjoy their work so I uh, uh I guess part of , uh waiter and waitress is interaction with people ensuring customer satisfaction but to them is like no what my boss taught me that I just look for the red date


and she is not wrong it says that she's just doing her job so all she does is I just do my job, you know but they forgot that it's the interaction with people making people feel good, so that the clients can come back again


and ya, ya so I I frankly I see a lot, ya I mean I, I've see this my experience I see uh a lot of, somehow youngsters


it's more like in uh, I think you know before COVID situation, sometimes I go for wedding dinners, and then they will hire part time waiters and waitresses and some of them they're actually just very young students


you know and or there could be a few, oh some of them uh I'm sorry to say uh some of them are aunties maybe, uh they used to be waiter and waitresses but because the shortage of manpower then they just come and do and they will barge their way you know and it's like


oh you have to do this you have to uh, follow my instruction you know say( uh), some of the waiters and waitresses uh in my experience you know for example it is like !hey! you know as we seated in a round table right


they were like !hey! you have to move your cup over there, but because I'm a, ya because they have to put their serving spoon uh you know in that position, and sometimes when they bring the food in they will they will just I mean of course uh it's not all the time


ya ya they they were just quite uh rude they think that you know


because I might say some of the for example like uh shark's fin right is a hot bowl of uh, of it you know and then probably they or soup sometimes they're afraid that they will uh you know spill and then worse you know if they hurt us I mean


I see it from that viewpoint lah but but then, because unlike, in restaurants where I patronise sometimes I could even tell the head waiter eh can we change but in a wedding cannot, it's not possible they have assigned people especially for each tables right so okay lor and then not to


uh create you know any further negative experience for the bride and groom we we we just have to ya just take it you know and just go along with it and just cooperate you know, ya


and you know what I dislike also is like sometimes while I'm eating because they come in dish by dish right it's like I have to finish quickly you know, and sometimes, yes, and I I tend to eat, slower you know so it's depends on I must say different grade of restaurant lah


of course uh those in the hotels they are slightly better, some of the local restaurant is like they just push and they just push the plates you know, ya, you know they just uh put it next to me and then you know I feel very stressed yeah


, ya and then it becomes cold you know cause it's like they need to rush to finish you know based on the certain time, and uh ya so, but uh well so that's part and parcel of the experience of with of eating


ya, ya uh but I've one experience that I am very frustrated you know cause recently I installed wifi from a local telco uh in singapore so partly because uh this is


you know we misses the fibre uh the open net installation some time back, and uh so because my wifi have always been uh a remote a dongle a modem so I decided to install a fixed line wifi and then because the local telco says that they can also install the fibre network for me free


so then this guy , the salesperson that I agreed with was like very nice you know but when he sent his people down, uh I turned up it turned out that they were sub contractors so


so the one that came to install the fibre network , I might I uh, you know he he came and then he say okay which part you know almost like uh mechanical where you want to put it and then I told him ya I want to put it at this corner


and I said I want to put it next to the switch and he was telling me that, no lah ma'am you know, from experience uh because of the wiring you know we should put it this way but I said that uh but for aesthetic purposes I prefer to put it


at another place, and we sort of gone into an a little argument, and then, finally you know he said okay if you want it lah, uh then we install, so then interestingly true enough because was I did compromise because I wanted more at the corner so because he was like insisting I don't know maybe it's because of the cabling you know so uh somehow it was adjusted and then when when the telco send in the wifi guy


with the modem and uh the hub you know, and then he looked at it he says oh uh ya it's quite low ah it should be higher and I was like !huh! to me is, one company I mean I don't see


uh two two of you all you know so called be it a sub-contractor I mean or or yourself you didn't you all agree beforehand and on top of that I say I told the salesperson that I wanted, it placed at this corner so that to hide you know


you know from everything you know to make it more pleasant looking and also for the coverage in the house and then this guy was saying, !huh! so you want me to complain to uh my company because uh I can send in that the salesperson didn't tell us correctly I was like !hey! !hey! !hey! no no no no


no I, I was just giving you a feedback that I thought that you know internally you all should have discussed and advise me and unfortunately the the cabling is already installed there's nothing we can do but then this guy says that, no I will send in uh


the complaint internally, uh that the salespeople didn't brief us I said well if you want there's nothing I can do then you know what then the telco called me


ya but I most more upset with this uh the the final guy the what the guy that came to install the wifi with the modem you know, he was like trying to push the problem away, I don't know whether he was rushing to complete the job to go to another place he was not patient enough to listen to me


and cause I was just seeking his advice how to find a a better solution now is already done , so true enough the a few days later the the telco company called me says I heard there's a complaint, and ya it's a complaint about uh the salespeople that they haven't give instructions I said no is not the sales you he was very nice


and then the sales guy was very worried he also called me he say I heard you have complaint then I said, , ya I think you're creating more stress for me to me, , uh is just one company I I don't know about your internal you know


uh I was saying, dynamics or politics you know don't involve me you know so uh but I say thankfully now I could , receive the coverage well in within the house so I say that's more important I you know I said uh I I don't need to


ya reply to to too many people and but the call centre person says but the case is open we need to have the survey with you we need to complete the survey, , it was like ah


I say oh give me a break you know ah , so they is like again they just follow orders that they need to do this and that and each one tried to cover themselves you know and uh


some


ya but uh thankfully I mean the products as in I the hub and all that , I see that is quite good quality so far when I turn on the power everything works uh, ya but it's just it's just frustrating ah it was taking ya as you said you know if


is there another provider that I can choose you know and then they put in all this penalty you know if you terminate your, uh package early there's uh ya a penalty and so is like I'm at their mercy and


oh okay


oh dear


, it doesn't seem very encouraging here we have the government you know encouraging us to go back for further training keep ourselves you know more updated with skills


or more qualified you know based on certain (um) standards and here this this guy !wah! you know his attitude ya


positive product review, hi lynn I'm good, yes ya it's nice to catch up with you today


ya you know I'm a, a credit card holder of uh Takashimaya and DBS uh card so recently there was a a sale


at Takashimaya, so I jump on the chance because uh during the special, uh weekend, uh we can get double the points, so I went you know to buy a pair of running shoes


ya and uh, ya I was very impressed you know, because, at this uh outlet uh, running warehouse is one of the


uh shop tenants of uh Takashimaya, and so they have this machine there that can actually uh let us test, uh what is our uh uh gates when we run you know and then they'll be able to recommend you know a right type of shoes


so the salesgirl there was uh ya very very helpful, so she guided me, and then me you know being the typical woman I couldn't decide you know because yes there were some shoes recommend but it doesn't look, uh nice as in the colours


ya that's right but she was very patient you know she say oh she gave me lots of choices how about this and that and she was very knowledgeable, so she explained to me ya for this one okay maybe it doesn't suit me because my feet is quite wide so she says that you know there's this brand called


uh Hoka, is is a new brand, ya, I've not heard of it too but uh recently when I google there's a quite a lot of good reviews, so she let me try, and then she also let me try uh the traditional brand when I say like


New Balance Nike, uh Asics, then true enough is more tight fitting I don't feel that comfortable, and then she reminded me then you know because it was the special weekend , I hit need to hit like uh a certain amount of money then I get a lucky draw


uh good question I haven't gone back to check yes yes , ya


well I bought it more like for the chinese new year so I will use it only when uh, ya when chinese new year sets in so, uh, ya ya so well I still like uh shopping


uh you know at outlets much as , a lot of people now they do uh online shopping, so ya so how about you what do you prefer


ya oh that's that's good to know you know so I must say I noticed too the malls they are a bit more quiet and actually I like it now because I suppose there are a lot of people like you that go shopping online so


ya then I, then I could have the, I could have a the ya the attention of the salespeople and ya you know more time to browse about


ya because for me online frankly before COVID uh I used to book more hotels airlines, and even alias with travel agency, ya because sometimes they will post online uh certain packages and as you said I like to read reviews and they respond faster


uh because the traditional way if you let's say to book a tour you need go on site got to wait for your turn and then sometimes you know they may not be able to give good advice as well uh whereas


, , of course you know singapore airlines uh you know is is our our homegrown airline ya I always find that uh


it's like coming home or uh is like part of the journey going out and coming home uh feeling you know when I see the girls and, ya and they are so efficient


, yeah ya, so and of course because you know uh, to accumulate points lah uh for me you know the


ya krisflyer ya, so the other two airlines that I also like is Cathay Pacific, and uh Emirates, so uh I find that uh they are very polite, and , then I I like to shop also when I uh take flights right uh online you know some of the duty free ah I


why I like Cathay Pacific they give a very good variety of uh interesting uh, items bid you know because I like to buy uh, pouches or sometimes some skincare product they ya they they are very good bargains


oh no I've not


, (mmhmm) like rabbit or a cat,


really


ya did you say nine ninety uh is what on a set basis or it or is it buffet , ah okay, oh okay okay


, !hey! let's let's get irene remember our friend am, we should get irene together so three of us go cause she loves uh steamboat yes uh, uh I love steamboat too so recently I went with another friend to have you heard of beauty in a pot


ya, ya because I find that there's really good collagen, it's collagen in the soup


and so you know, you can choose uh they have different types and , so interestingly I went with , a caucasian colleague so uh it was more or less like their first time eating you know steamboats so that because it's more like a chinese culture right so the


waiter and waitresses there they were very patient and they were guiding us they'll say okay if you order this uh sliced beef you can only cook uh for like two seconds and then uh the fish balls that we choose


uh because there were fillings inside it and says that uh ya you may need to cook uh at least like three minutes so each of the items ya they will guide us they will say this vegetable, uh depends if you want it crunchy you can put in like you know for how many seconds and but if you want it softer uh ya so save me explaining to to my caucasian uh colleague


ya and the , uh condiments it was very good variety it was uh there was this sesame uh paste and then there was also , ya vinegar and then they have the typical uh


garlic ya so, uh , ya so the waiter waitresses they were always smiling and uh, ya I mean we were very clumsy you know we like drop things like like chopsticks and then they say no worry they'll come and give us you know


so as you said in some other places there's usually a shortage of a staff right so the service can be very curd but here you know ya they were very nice and it's a very pleasant setting because the one that we went to was at Centrepoint


so was nice aircon and uh ya so I did have very good experience, and uh I will go for more you know because for our age now right uh we're losing our collagen so every now and then need to go there and beef up you know


ya ya and because you know somehow of the heavy rain and actually end of this year the weather sort of became a little cooler so I love to have like hotpot you know during uh cold weather ya


oh oh now so would your son be someone that prefers to take bubble tea


well actually I I like the one by Jollibean, uh because I've yes because when I take, yes yes, well I see that as like uh under the category of bubble tea


you know because you can choose so Jollibean they do have like you know, uh choice of whether you want the soy base with certain tea they could be green tea that could be black tea and thenuh the bubble even the Boba


or I would like to take the grass jelly I will traditional grass jelly or sometimes with red bean, so because the so called the taiwanese type, of bubble tea uh sometimes I find it too sweet especially recently there's this craze you know where they put in #gula melaka# so


!wow! I I, ya ya but, but I like I like the smell of it and then I I see that a lot of youngsters you know they they take that you know so


I was trying to be uh ya I try to keep myself up to date you know


yes, ya in fact I'm a good fan of uh Jollibean uh, for festive occasion like mooncake festival or chinese new year I will buy things from them because I like their carrier bag they have very colourful interesting packages that they will roll out


so for example chinese new year their pineapple tarts uh taste very good and there was one year they put in a cute little tin, uh you know Jollibean has this bean caricature right as, ya ya


yes so I bought uh quite a few and gave it to my relatives and friends and then they all like it they say it taste good and then they were quite surprised at the packaging, and then for mooncake festival the carrier bag is also very nice


the mooncakes that they sell but I think not many people know it you know because they just think that uh they're just a small little outlet, I met the the founder once in the event uh


and I must says that she's very creative and she's very humble and and polite and she she tapped me she say thank for supporting my business (ppl) (ppb)


okay a do you wanna go first, (mmhmm) yes ah ha (mmhmm) so so the


the affiliations to the different retail shops and like like you mentioned petrol stations and all that right how on the scale of one to ten how important is that to you, what what makes you decide to settle on this particular credit card versus another one


(mmhmm) ah ha ya I think I