to ask them you know like this is not my order and they asked me to send them pictures and stuff and they were like oh send it back we will send you back like another, another set a new set and then I was like okay so like they were like oh but you have to cover like posting and stuff like that like the the cost of posting it back


I was like ya you know (mmhmm) yeah, yeah, yup, I I think I ordered size M and they gave me size XL


and so it just yeah it just hung off me and yeah and oh on the website it said it was satin when it came it was velvet it wasn't satin I hate velvet I'll never wear


yeah I, tried I tried to speak to them they took ages to reply like and the first response I got was the automated response and so that was like you know nonsense that didn't help me at all and then the next response came five days later


and she was just like she would take really long to reply they would like send me to, they'll be like oh message us on the facebook app instead message us on this instead and like it was just it was such a hassle I just gave up I was like you know what forget it it's fine like I'm not going to even bother because I got so frustrated with them and you can't call them because they are overseas


and the calls don't go through I mean I don't wanna make international call I guess you'll have to cover the costs yourself and like you know you have to use normal call and I think the the I got frustrated enough my first call that went out to them it was like thirty it was thirteen dollars for a like five minute call


so I was like okay I can't bear that cost and after that I just decided that trying to fix this is going to cost me way more money than it should so I just left it as that and I'd have never shopped on zaful since, eh ya never


again [uh uh] , ya no


they uh, they refunded me for two tops because I said that is not even the right material but then I put like I gave them a very clear list of everything that was wrong with everything


and know I got five items and only two of them like turn out right three were three of them were mess up and I gave them a case and they only chose to refund me for the first two the last one they completely disregarded it didn't even talk about it nothing and then after that just chose not to respond at all so ya


ya they didn't they were not of any help nope, (mmhmm)


(mmhmm) yeah, they didn't bother, yes


(mmhmm)


(mmhmm), (mmhmm), !wah!


(mmhmm), (mmhmm)


(hmm)


!wow!


, (mmhmm)


so he made you pay and he still took more of the money, !wow!


ya I'll be very disappointed did but could you like feedback to grab support about it after that or was that, basically just between you and your driver after they helped you get into contact with him, (mmhmm)


(mmhmm), yeah that's ridiculous


yeah yeah


ya ya, I guess one I do I mean I love traveling but one of my worst experiences will be I think in a couple of years ago, when I went to india for the first time so basically in all the people there we would we got like a package deal before we went there because I mean we didn't know like package deal yes it's err it was I think


three days, two nights ya and like it came with like a driver and we were going we were going to stay at three different, three different hotels so ya so cause we were just driving across


I guess it was a deal, but on our last night flight's already booked to come back and stuff like that, we were staying at I mean up till then the service was lovely, then firstly I fell sick and


definitely my mom said that the reason was because the water they were giving out they were just refilling their own from the sink, I, vivanta, yeah it was called vivanta


ya ya vivanta by taj, I the one where the taj mahal is ya that one yeah so I mean, the view was lovely and everything they promised the wifi was absolutely horrid like they said the wifi will be amazing I mean you would expect that from like a five star hotel but it was still like


and the wifi was, horrible and when we when we went in the beds were not even made when, to the hotel , yeah, and so leave it at that I mean that's you know like whatever doesn't affect me that badly then I fell sick and they were like oh she sick she so the people our driver he had like they we would switch drivers every few day like every day I think or like depending on what time it was and the person that


is basically there's a person that's based in india and there's a person is based in singapore so that the person that's in charge of us he was like oh how about you guys just stay here like don't go back don't go back on your flight I'll cancel it for you since since you sick and stuff and we were like no and they were being so persistent about it and when we said


very unreasonable yeah and when we, (mmhmm), they wouldn't stop and when we said no we have to go back we have to go back flights are already booked uh they just like they start treating us Iike really badly like they didn't they didn't care and like they switched our car so we had like a


a bigger car I guess because family of four with a lot of luggage and stuff like that they switch us to a uh a smaller car and then we just had to like we just had to lie down like sit at the back between me and my brother were squashed and my mom were squashed in the back with our stuff next to her cause not everything can fit in the trunk


and it was just I was so uncomfortable the entire time I just wanted to come back and it was just so disappointing because they obviously didn't meet up to things that they promised, ya


ya exactly ya, ya ya, and they don't keep their word also like I don't know why do you have to do that but (mmhmm)


and we also I mean I think my mother's a bit more concerned about like the food we eat so that we don't fall sick and she was like okay you guys only eat at like restaurants and stuff like that and they will like okay ya let's do that and then she would specifically ask to eat this like a specific indian meal


and they'll be like no they just say no you're going to the restaurant we want


part two positive experience okay , uh


okay sure sure, sure I am okay let's say I, I think I'll do and then


yeah so I'm like a starbucks addict like I have it, almost every day especially during circuit breaker because I was it was like being delivered to my house it was like a gift for me to me and , I but the thing is I think that was very different because whenever I went to in stores it was a lot better especially when I wanted to study there like uh the ambience is really nice and they always have like really nice


customer service they have really good people doin, uh working there and they are all like students you most of them are students around my age they dress well they're very polite I guess that's why I frequent there they keep it clean and it's just a really good place to study especially like one of the branches I think uh


the one at, suntec city, it's huge it's like it's massive massive starbucks and it's just like stunning ya so I go there lot to study I guess it's quite conducive ya like would you have you like do you want to start


okay ya do you like starbucks


yeah that's really cute actually, (uh huh)


yeah (mmhmm), yeah they do


(mmhmm) yeah


(mmhmm), (mmhmm)


(mmhmm)


like you say the trainers help you and stuff so did you get like a personal trainer or do they just all go, around helping people, (mmhmm) (mmhmm)


yeah, oh that's nice so they just give their services to you for free that's lovely


ya but like now with with COVID and stuff like like does like sanity of their place also like bother you like did they keep up to their standards and stuff


(mmhmm),


yeah (mmhmm) yeah


(mmhmm) okay that's me, yeah, I guess one of my favorites skincare cause I'm like ya like very particular about my skin so I spend a I


don't mind spending the money on expensive skincare so but I would say I like I only like to use like organic skincare so it's a bit more expensive because I don't want to put like chemicals on my face and stuff like that but I think one of the brands that I use is innisfree which is like a korean brand


yep yeah they have really good they have really good so far it has made my skin improve cause I had really bad skin when I was fourteen and it helped me a lot, so yeah I , with innisfree especially because they I think most of their products are getting I mean they state which one which ones are I saw like a significant improvement and the moment you don't


the people working there are lovely they are so sweet and they will help you cater like give you a product that caters to your skin type because I have I guess combination skin which is like in other places they really don't know anything much about skincare they just work there


so they don't know anything about their jobs whereas I feel like in innisfree they actually bother to make sure that the people working there are educated on these things so that they can provide the best service so going there is really like an experience not just the product it's fun it really is and they have a lot of nice testers and stuff like that they always giving free gifts with like


hand creams and stuff like that so, keeps my skin smooth and nice yeah do you spend on skincare


yeah yeah, (mmhmm), yeah


(mmhmm) (mmhmm), (mmhmm)


(mmhmm) ya there's a white cast on it


(mmhmm) (mmhmm)


yeah okay yeah


I guess let's see I love makeup I absolutely adore it so I spend most of my err a lot of money on sephora I just love it so sephora is basically the from the moment you enter they come in and they ask if you are a member and stuff like that and then later


they basically give you they help with skincare also but they also have like people working there to like help you do your make up if you are a beginner so when I first started I didn't know how to do my eyebrows and I would make my brows look really dark and ugly and I would look like angry bird


so then they just tell me how to do it and it really help like ever since then I just go back to sephora I don't shop anywhere else unless it's like , Dior or Chanel makeup I only go to sephora for those for everything yeah


yeah, okay


(mmhmm)


yeah, (mmhmm)


okay, (mmhmm)


a, , ya I would say like uh household items and all those things I would shop on Shopee because they like their delivery's like a dollar


so you really hardly pay for anything and it's really cheap and for I guess for like household stuff and like I wouldn't trust it with skincare and stuff like that because it's not singaporean so I just don't trust it but like for like bedsheets


pillow cases stuff like that where I wanna revamp my room they it's always really good quality stuff all the time like I've never been disappointed even once, and it they deliver within two weeks usually it's less than that and delivered to your doorstep so I guess that would that was one of my favorites and shopee also it's basically like a mall but in your phone so you can get so many things at one time and they all come at like different timings but it has


such a short within such they deliver within such a short time period so I guess that's one of my favourite things cause if like others take about a month usually ya, some and like nail polish also I love getting it from there


I like eh so many colors uh you wait you were talking about Carousell right do you use it as like a consumer also do you like buy stuff from there or do you only sell things


(mmhmm), (mmhmm) yeah


, !wow! (mmhmm)


yeah (mmhmm), my favourite bubble tea flavor okay I guess my favourite would be Koi because it's I mean value for money I don't I think it's the one of the best it has one of the best prices cause some bubble tea shops like they sell for up to eight dollars for a cup of bubble tea that for at Koi I'll get it for three dollars


and I guess they they have the best pearls in terms of like everywhere, and because I order my bubble tea with zero percent sugar you can really taste the tea and at places like Gongcha it's disgusting like the tea the tea taste


it's like seaweed water so when I ya it taste like that ya yes so then when Koi started having like student discounts especially and so cause I'm still a student I get it's basically two dollars for me, ya ya then I get to


save a lot of money and I mean they have like the best pearls and also they tell you like the amount of calories like you're taking in when you drink it so like yeah and I was looking, I was looking at Liho's one and it's a lot higher cause their pearls are like soaked in sugar that's why whereas the Koi ones I mean there are like starch but still I don't feel as guilty like drinking it


as well as with other bubble teas and it's pretty lah it really is pretty like it looks nice, uh, I just drink milk tea or if I'm like too full I'll drink like


honey green tea I guess, green tea's healthier but those are the two that I really stick to like


part one finance okay, so the first question is how do you invest your money to, accumulate wealth or plan for your retirement


yeah, I I follow like a similar kind of rule but I tend to invest err less of my money


and, I also invest in like, err, err forex and like stocks which uh, err, ya which helps me like err get more money so I'm gonna have more money like it helps me for my


retirement like yeah that kind of yeah yeah what would I do I would


I recommend that uh you should, err save at least like, one point five of the amount of money that you need, like, like like a hundred and fifty percent, of the money that you need for like a holiday or like something like that so like you have like extra to like fall back on in case


you need more so you'll never like out of money, ya and you should like uh you should invest in stocks early it helps err it's like a side uh it's like kind of like a side income, apart from like your daily uh income from like your


normal jobs so it could contribute to like, err, your retirement and make your retirement, easier in the future ya okay are you on the fourth question oh okay


okay uh I think I obviously think yeah it's it's a good thing if you get a financial planner it depends on like uh how much knowledge you have on like finances yourself if you like if you don't know much about like uh how to like save, and like you are in trouble with like debts and like paying my bills


I think it's uh definitely a good thing if you, uh consult a professional, about this because yeah it it's a safe way, of like knowing like you're not doing anything anything bad but like doing the right thing so yeah


ya what about you do you think I should get a financial planner, to plan my finances


ya so it depends on like how much it cost to get them, and like if it's worth it like, at the cost of like getting them is uh lesser than like how much they can help you benefit, like , so we have to weigh that in if we have to get a financial adviser


that is uh we have to consider that okay and, which which did you skip the question, oh


how do I spend my money uh, okay so for me I tend to save at least a sixty percent, of my income


uh and uh right now I don't actually invest, much like I don't have any investments at the moment but uh the other forty percent, I, usually spend mainly what I spend, on is uh, transportation most likely like grab and


gojek these kind of services and also I tend to spend a lot on uh, food and uh sometimes alcohol as well ya that I spend on these kinds of things most like leisure at the moment don't have like uh


any other responsibility at the moment, so yeah uh, no I I think I should cut down on how much I spend on transportation it actually spending on transportation is a necessity but uh you can obviously cut down on like


the cheapest and like the cheapest form of transportation, which obviously is public transport in singapore cause it's so uh accessible and it's a it's a it's a good is well connected network and it's very easy to use the public transport to get where you need in singapore so I feel like you can I could save on uh


like I could save money by using less, uh grabs and Gojek, compared to public transport, so I feel that's one thing I should cut, down on yeah


ya I feel like if you really need it, then only you should use uh, Gojek or grab, yeah otherwise stick to like cheap public transport to save money, yeah


I think uh one thing that I spend too much on would, be uh, I spend a lot on uh, food and uh whiskey tend to yeah we all have the same problems spending spending too much on food


and whiskey but I feel like as long as we save enough money it's, not that big of a, issue so, ya what else do you think that, you spend on like apart from like this that is like too much yeah yeah


maybe you should consider like uh thinking, how much money you spend a month for like clothes and like let's say if it's like a thousand or like five hundred, maybe you wanna bring it down to like sixty percent like get like a quantitative number so like you know you won't exceed that cap so at least you don't just tell yourself that you are like trying to like cut down but you at least don't go you don't allocate more than this amount of money to


like clothes so you ya like set up like a uh a number so like you know like you won't cross it instead of just telling yourself like save but like you don't know how much you're saving ya because I have the same problem with like clothes, as well yeah I see like discounts and I just start like buying stuff


ya but I'm more of a retail shopper less online ya but I still spend like quite a bit on clothes I feel, yeah, okay uh, do you think you should own a credit card


yeah


okay so you feel uh the only scenario with someone should actually get a credit card is when they have like a stable amount of, income and like they don't spend uh impulsively and they don't tend to they have like decent amount of savings they're not ya so basically more like adults with like stable jobs


and incomes okay, no I'm uh in the same situation as you I tend to have uh, my the amount I have I use a debit card right now and err the amount I have varies it can go to forty cents it can go to five hundred dollars so it fluctuates a lot so for me a credit card cause I make like you said I also make a lot of impulse spends


spending expenditure ya so I will I might be in a overdraft if I use a credit card and I might not be able to pay my bills which might affect, err my finances in the future so I don't think I should be using credit card


yup, I like I think I mentioned before I save about uh sixty percent of uh whatever I get


from, uh right now my income is just national service so I get like a allowance every month I save about sixty percent of that ya, it it tends to work out cause once I've saved I feel like for me personally once I've tell myself like I'm gonna save this much like uh put that money aside I don't use it at all even like emergencies I


stick to like like whatever I have the other forty percent to cover like everything else, like I force myself like make do that's why I feel like it is something that works for me yeah personally, what about you yup yeah okay yup


ya for me I feel like I'm saving more for like err university and uh, and stuff cause I know I'll be, uh if I don't have a if my, if I don't have a scholarship or change whatever university I want to go to I will need to pay for university


myself I don't want to make my, parents pay most of it at least so I can like help by like saving and, as much as I can now, so can cover at least thirty percent fifty percent, like whatever my uni fees might be in the future yeah just planning ahead I guess yeah that's yeah


but the thing is see I'm in national service so like I have an income you don't so like the student loan thing works for you it's a good thing ya so it it makes sense like both ways uh, what do you think you could do to increase your income or how could you improve your income lah


or like get an extra income


yeah uh, I uh tend to uh, resell uh shoes basically that's what I used to do now I've been affected by, COVID because uh


it's getting better but like uh my whole seller in china, is, basically all its shipments have been late to me so I've but usually what I do is I resell shoes at uh, hundred percent profit and save or use that money I'd save like like a like sixty percent of that money


the rest I use uh for whatever I need to so that increases my spending power and, uh it definitely increases my, income level, I feel that as long as like if you have a second job it can definitely improve your income level another thing would be investments like if you know how to invest in like stocks or like uh forex like you should definitely like if you are like usually uh get an advisor like can you like exactly like where


which stocks you should invest in that could definitely improve your income level ya I feel ya in the future, yup uh, let's move on to the supplementary retirement scheme what are your opinions on that


uh, see the supplementary retirement scheme I feel like it's a very good scheme because first like from what I don't know much about that but what I know is that, what I know is that whatever money you put there's a decent amount of tax relief on it even if you use that money to invest the investment net profits you get from the investments they also like have a at least fifty percent tax relief on them so I feel like it's definitely beneficial if you have


uh income that you want like, err, save like if you have like additional income but if you are like you really low on income and you like need the money right now then I wouldn't suggest the supplementary retirement scheme I will say let's just focus on like


progressing on like what you have using whatever you have right now, but like if you wanna like uh, you retire, like peacefully ya think it's a good it's a good scheme, ya


I would tell them uh to retire comfortably obviously save like first thing is you should, save at least I use at fifty percent instead of like sixty percent but I feel like you should save a decent amount at least half of your income or it actually depends on like how much you really need or like it depend on how much your income is


but like you should save a decent amount of your income for the future like don't touch it leave it in the bank where gets interest over the years if you have the knowledge, the second thing is you should invest in stocks or forex it can help you it's a side income it increases your income level which means obviously you can spend more or when you're retired


so, uh ya you should focus on, starting investing early and saving ya ya, what's one financial advice


that you'd give to yourself five years ago, yup time is money


yup yup


how do you manage your financial commitments before and after marriage


ya I feel like uh before married obviously uh, you're basically just focusing on like, yourself I guess if you if you like you wouldn't have a family or like I was just saving up like the only other people you have really think about is maybe like


your parents if they like like uh if they need like a home to like where they can retire and like, stuff like that but like after marriage you have to like you have to uh I feel like you definitely have to save more obviously uh because you have to think about like if you wanna have like kids or like uh you have to like


get, insurance for your kids you have to get insurance for yourself so that if anything happens to you, like you, your kids won't be like left with they at least have some some financial


like support even at even if you're not there so, I feel like financial commitments do change a lot, like before and after marriage yep


I would right now at the moment I am, cashless, but I feel like uh if I wanna save more I should definitely like use cash because then I can I feel like I read it somewhere like, if you use cash you can like uh physically see how much you're spending so like you don't you feel like and it and when you realize how much


you're spending then you like save more so ya with, for us but if you have a credit card like you just spend like a lot, so, without even knowing you won't see ya


part three negative okay are we gonna talk about negative experiences, okay


uh I don't usually have a, lot of negative experiences with uh products, but one time uh I ordered a pair of err, yeezys from lazada it was uh, the price was cheaper than uh retail that's why I decided to get from lazada


it was about seventy, and , when I see online in relation on the actual website Adidas actual's about like three hundred so it was a bit suspicious, but uh I still went ahead to, ordered and uh what I got


was the shoes weren't the same brand, I got jordans instead of a different colour I got like basketball shoes, instead, and uh when I try to like contact


err the, the guy who sold it to me uh, like there was like he didn't reply, and uh when I asked uh lazada about like, what am I supposed to do because this obviously like wasn't what I expected like they didn't uh they didn't do anything they said it was my fault but like I feel like they could do more in terms of like ensuring that whatever I ask


whatever I see online is like what I get, if I, I've already paid like the money for it or they could have like uh refunding or like a way that I can send them like a picture of like the product which is like faulty so and then they can like that it gives them evidence to like refund me and like a way ya but


they didn't do that so I feel like this didn't meet my expectation, they didn't they the first of all uh, they didn't respond for like two days at least so I was a bit uh weird like I feel like customer service


they should respond faster especially when, uh, a mistake has been made which is very very obvious like is not meant to do with like the quality of the product but like it's a completely different product like and they said uh


they replied with uh the product, uh, it's uh not authentic but when I told them like it's forget about authentic is not even like, the same uh, brand or like the same type of shoe or color that like I wanted uh they had like no words they said it was a user's fault and like they can't uh


do anything about it which I feel uh they should have tried to help me but they didn't so I was a bit uh disappointed with my experience shopped it from there ya kind of like wasted my money yup what about


they nope didn't take any responsibility I had to what I did was I just resell the shoe and at a lower price than what I bought it for so it wasted my money, just ya it didn't basically it wasn't uh it was a very uh I felt it was a very negative takeaway which I don't


from lazada ya I feel like they should definitely improve when uh it's, when the product they should definitely find a way to make fix this, problem when the product isn't exactly like what I hoped it would be they should have like a way to like refund me or something like that so my money isn't like


taken away for like something I didn't want ya ya what about you uh have you, is there a time when you ordered something and, it didn't meet your expectation like uh any other negative products okay that's an online shopping site is it it's an online shopping okay okay


okay yup


so first like the quality wasn't at all like what you expected, like and the size was completely different what size that you want


oh yeah that's pretty far off, so the material also wasn't uh


was okay, was there any like uh like could you contact them like was there any customer feedback uh like service


did did it work okay that's bad okay oh okay so


so they didn't even uh give you like proper like feedback on like anything is there any so is there any way like you, could like like any way they said you could get your money back or like a refund for like the correct size didn't help you with any of that at all


so your the customer service like just didn't, it it wasn't up to standard, like, so the first thing was the poorer quality was obviously at question and, when you try to like, uh, they get their money back or like get the right products it


still like didn't properly work out, ya oh oh that's pretty bad ya, okay should, should I talk about another, negative product review


okay let me think, uh so, I use grabs a lot, and uh, I have had a, a few uh negative experiences, with grab one uh


particularly was uh, I booked a I was booking a grab from uh my house, to uh clarke quay, uh I was at destination, and uh, I got a it was a normal grab not premium just normal one


and, it said the driver had arrived, and uh, but like when I went down to like, below my house like he wasn't there, so I was just confused and I was also in a rush like otherwise he


so I called him he didn't pick up, and it said since he arrived you have to be there in five minutes, or there's a additional uh, charge that you'll have to give, uh so I was just like uh like


where are you like I don't wanna fill up this chat and I would have tried like canceling the booking the driver it said that it just couldn't cancel like, for some reason so I had to like pay an additional


four dollars plus the grab didn't come to my place, so it wasted my time, he wasted my money cause the next grab I booked I took like top up I took like pay the, extra four dollars which I hadn't uh


which were the cost of uh trying to cancel too late when the driver arrived and also like cause the waiting time are already too long when I when I'm pretty sure I reached the place at the correct time and uh


it didn't see the driver over there, and also couldn't reach the driver, at all, I've and uh when I tried to like uh get back to like grab on this, like uh, they just they they said they will like call the driver and uh tell him


like uh like, like uh you know like, why didn't you ask him like why didn't he did did he show up at the right place and all so I was expecting like a response like you know like I didn't need it urgently but I just wanted to ask them like what happen to the driver like why did he do that


and I didn't get one, so I was pretty annoyed about that like I didn't get any explanation for like why this had happened to me so I was, pretty disappointed with that


and uh another time, it's uh, negative experience also with grab I was taking a grab uh to my friend's, and uh, I was a bit drunk so I left my wallet inside the grab


and uh I only realize later I searched google on what to do when uh you lose an item inside the grab and they said if it's within four hours you, you can call the grab support helpline and they will contact the driver and like the booking ID and they will


uh try to get you back your item, first, I did that after I realized it's not there I call them back within one hour of the trip ending so it was within the four hours, he the grab said they will contact the driver they did contact the driver first the driver said he didn't have my item


but then uh the next day, he said he had it and but then he said, for him to uh deliver it to me I would have to pay an additional twenty or twenty five dollars for like petrol charges because he was coming from like very far away doesn't make sense to me like I don't know why they would make me pay extra when it's just like


supposed to be like a support helpline I don't know why I would have to pay for that plus I looked at my wallet and uh, I saw like at least forty dollars, missing and like I'm, I don't know if it could have been like the grab driver but like


I'm pretty sure like, he was the last one with it and, ya like, it's basically an integrity issue like if he's told, like my money, ya and also made me charged for like, coming to him


for me for him coming to me to give me my wallet, even though like that's, ya he still took more of my money there was, it was just a negative experience even though like I got my wallet back I just didn't feel satisfied with like the whole service that I'd been given


yeah I, I did the tally I realized my money


was missing, so I did ask them I was like, my money is missing and uh I feel like, the only person that has been with it, within like, it was I got my wallet twelve hours after I lost it, so I told them uh


that forty dollars have been taken and I feel like it probably it's the driver they asked me if I have any evidence, of uh me having forty dollars in my wallet obviously I didn't, it's cash, so I don't understand like why they would ask like this kind of questions


in, the first place like it didn't make sense, to me, it did left me feeling like uh dissatisfied as a regular, user of grabs so, it was just a bad experience, overall with grabs yup and didn't help me at all would


do you wanna describe a, bad experience that you have had like, on a holiday or like anywhere like a staycation, or anything a package deal okay a package deal three different hotels some big money so big okay


you remember which hotel this was like and do you remember the name of the like the particular hotel, if, vivanta okay and this was in india right, which city was uh this hotel


okay Agra okay that's where, so this hotel was, yup


ya the five star hotel you would so like, ya (uh huh)


so they were basically like very unreasonable, and, and it made you like feel uncomfortable like, with the way they treated


yeah SUV yeah oh yeah


so it didn't uh reach like the standard you're expecting, and they compromise like the way like they treated you once they realise that, you weren't going to be like staying extending your stay over there, so they didn't treat each they so what they are implying is that they don't treat their customers fairly


depending on like ya so that's okay yeah


okay so they didn't, they didn't reach like your standard, of like food quality as well anyway it's okay


part two positive experience, okay <P2>nakita</P2> let's begin, with part two uh


do you wanna start on uh any, positive product review that you might have experienced, or okay yup yeah sorry do I like starbucks


ya I love starbucks I feel like uh like whatever you said the customer service is very polite uh they write your names on the coffee which uh, its it like makes it like personalised and like it just helps uh


it makes you like wanna go back there again, they it's a very nice place like I said to study, so if you like studying, and you want like, studying outside the house I feel like it's a nice place you can just, have like a coffee and uh


chill and study, you know, and there're like a lot of branches of starbucks they have food there, very nice food as well so like I would I would definitely recommend like starbucks because it is very nice


okay uh, I'll talk about, uh under health and sports and fitness uh product or service that I, used uh which is I've a, subscription to this gym, called anytime fitness


uh it does many branches around singapore and, the one that I use the most is the one at nearest to my house which is eastpoint mall, uh I feel like it's a very good gym, uh there are trainers over there


to make sure like, uh everyone uh everyone is being supervised so no one gets injured, at all and uh, everyone uh and they can, really like give you like tips on like your form or like if you have


any like specific uh like, uh plans like if like if you wanna increase muscle mass, or you wanna lose fat they can tell you, like feel like which exercises you need to do so like all their training program, is like very personalized


and it helps it helps to uh, it increases the customer experience because like once you realize that uh, they're giving you like personalized uh advice you feel like they really care about you


and uh apart from like the customer experience I feel like they could, in terms of there it's very good like it has everything a gym should have has decent lighting, open space nice people over, there so, it's a very nice it has helped me


it has helped me uh, become fitter I feel so it's, and it's made me like I feel like fitness is very important it, helps you like relieve stress and uh make you


increase it helps you increase uh your self-confidence as well so I feel like it has, definitely helped me in like uh these aspects for my life ya


they I you can there's a option to get a personal trainer, over there, uh but I didn't have that much money, because like, like I save sixty percent of my money so what I did was the trainer that were there I will very friendly I just talk to them I told them uh


I wanna increase my muscle mass while maintaining the same amount of body fat I have, at this level, and they told me exactly what I need to do how many reps I need to do for like a certain exercise exactly which exercises should I do uh which body parts no which parts of my body I should uh work out more


to get, the effect which, desired effect of, that I want so, yeah ya they do they are very friendly like


it's a very nice place, oh ya that's a that's a very good point there I feel like it's a very good thing


that they uh, they what they did now in gym is basically they restrict the amount of time that you can spend in the gym so and they restrict the amount of people, they can also use the, gym at only one point in time, and


and then right so basically uh uh as we all know COVID is spread via, mainly human interaction so the lesser people they have the lesser time you spend there, basically your human interaction is, in terms of like minutes, like obviously put like the minimum so the chances of like COVID spreading


like while they might not be like zero but like it's it's definitely like improved and I feel like safer while using the gym they also recommended to us they also followed the proper procedures they said that you should keep a mask on if you're not doing and if you're not like panting and


or like doing any like really strenuous exercises so, I feel like they are following all uh proper measures, like, like they're enforcing all the good, measures like that would prevent uh the corona virus


from being spread which makes me feel safe and want to go there, again so I feel like this is a very positive thing about uh anytime fitness yup what about you do you any other positive skincare okay yup yeah


yeah


so so basically uh what you saying is uh, the fact that it's personalised, and uh the customer experience is like very nice while it's such a good uh, thing ya I also, uh spend


not maybe not too expensive but I definitely feel that, skincare is very important and uh, I take care of my skin one brand that I use for my face uh I would say innisfree I feel like it's a very


uh, it's very it has worked for me because uh like you said uh they they know like which type of, uh you can talk to them and like, they helped you figure out like which uh products would be best for like your type of skin so basically when I went there I didn't know anything about like face face washes and I just used to use


like uh hand soap or like anything else like ya like uh, body wash so but basically uh I went to help my mum then uh basically they they analysed my skin and they found out that my skin


is uh, sometimes very oily so I need a, this special, face wash it's called uh jeju, cleanser it has like a very nice, a cooling sensation and it feels


uh it's like brightens up like it's a brightening cleanser like you feel like uh it really works you feel uh very fresh and uh it makes uh, my skincare routine, something that I can look forward to instead of something that I don't really like doing


also another thing that I've bought from, innisfree is uh their sunblock like when I used to uh play football I have these uh non uh, they they reduce uh usually sunblock can make your face


like look really like white in the sun, ya they it leaves like a tint, or like some casting but like I ask them like so I don't want to look like an alien can uh can I have a sunblock that works like


that will help me protect I'll I'll be in the sun for like four hours, like, a day and I need something that, helps protect my skin so they they were very nice they gave one to me a very cheap sunblock, very effective though and


they and it's a product that even if it's not sunny if you put it on and what it's a three in one, that can work a like as a, moisturise moisturiser as well so I feel like uh it's a very good, and I'm very satisfied with uh this brand innisfree and I feel like


it's introduced me to like skin care, when I don't think I would have, uh like ever paid attention to it ya so I feel, that's very good ya okay any other products that you okay okay okay


yup so, so you would say for uh as a, for positive experience for you, in terms of like user experience, okay uh I wanna talk about how and, E-commerce platform


has uh helped me, uh since we haven't really touched on that yet, uh I would say uh carousell, has uh benefitting me in terms of selling, uh like it has helped me uh reach into


like, a market like it has helped me like increase the amount, of like people that, for shoes especially because I can't I can't sell that I can't go to like retail shops and ask them to help, maybe sell my shoes so I feel like any personal product that I've used or like is new but like doesn't fit me or like just something that I wanna resell and like make a profit of I feel like Carousell has really helped me


it's a has a very easy interface you can use it on your phone or your laptop and you can, and, uh basically it helps uh it connects the buyer and the seller, you can uh type in like


exactly which uh point like you guys wanna meet so it's convenient for the other too you can chat with each other you can leave like uh reviews for one person's items so, as so it helps uh


it basically helps that, that uh I've used this uh, basically helping like make money because I wouldn't have been able to like sell uh sell my used clothes or shoes without this so it definitely increased uh it does help me gain


an extra bit of cash to and then it definitely helps to increase my spending power, yup what what about you do you use uh do you order products from E-commerce platforms, okay


I have uh bought some things, from there and uh, it's stuff it sells it actually has uh, some stuff which I can't find online, or like in like retail, or like for me uh sometimes I can't find shoes for my size


I can go to Carousell and uh it helps uh, it basically uh provides me to like, an increased access, it increases my access to like, uh


the type of products that I can buy not all the brands, I can find online, like accessible and like singapore so if someone has a a brand a specific brand that I, looking for uh Carousell has definitely


helped me in that, way and uh, it's also uh beneficial because it's also you could uh website because now because of the COVID thing uh people are like against like meetups so I thought there would have affected like


my uh, sort of like uh profits and, in terms of like maybe selling shoes or like any used items, but now there's this thing for like Carousell delivery so and they recommend to use it so you can deliver the item by to your doorstep for like a very small amount I don't remember how much is it but it doesn't exceed like


three dollars so I feel like it's very good, ya uh, it's a also you can uh giveaway stuff on Carousell for like free suppose like if you are moving house and you have like old furniture and you don't have anywhere to put it you just need to get it away you people


can just uh, you don't you can't find this anywhere else where people, will just take away the furniture for you like this free up some space which you can't do it can't really do online, because ya so I feel like Carousell has really helped like that


okay do you wanna tell me about your favourite bubble tea, flavor ya


seaweed water oh that's very specific very very very specific, okay, you're a student, okay that's good okay it's beneficial information


was what what would you say your, favourite like flavour of bubble tea usually like your go-to bubble tea yeah okay yup


yeah


part one finance okay so, how did you invest your money to accumulate wealth


or planning for retirement


or real estate for like uh passive income as in rental properties, like second property all those then uh, myself I will be like uh be interested in doing like gold savings accounts


and like , storing them now so that in the future you can, use it to, take it out whenever you need it and I think UOB offers products like go savings accounts with a low commission charges and all those, and


ya correct especially like you know uh I think around ten years back the gold prices were like twenties to thirties now the ranging around eighty to ninety, so, gold savings account is one of the options I had then there's also the investment opportunities offered by insurance companies like AIA and Great Eastern


they offer investment linked policies so it's like insurance and, investment at the same time have you heard of those


okay like it's uh actually offer a wide range of, stock portfolio so like you can easily invest in overseas stocks, compared to doing yourself because the company is doing it for you, so it's like an easier opportunity to


invest in overseas markets lah, , ya I would I would want to do stocks by myself but at at the younger age not at the you know later stages in life because , is I believe it's quite risky to invest in stocks so


you should do it when you're younger so that you know, the risk is minimised I guess something like that ya, how about yourself for stocks, (mmhmm)


as unrealistic thing do you know all the extra charges, that singapore like, forces people to buy like, stamp duty all those do you know about them,


as in like because I feel like it's a bit, because you know singapore has limited land space right , so they charge a lot for like simple stuff like stamp duty where it's just a piece of paper , and they like charge a lot of money for that, it's very I feel like real estate is a good option but, it's quite hard in singapore honestly to do real estate like


because of all the, extra charges and all the you know, rental issues that might come up, with it ya so uh, how about credit card what do you think about credit cards, ya like for for what


I don't own a credit card right now I just use the same debit card but like I really feel like credit card is only useful for like you know the point system in the reward system they have, ya so like you can get like some rebates on all those uh


certain purchases or certain, you know, special purchases whether bank has a link with the, the guy shops ya so (mmhmm) (mmhmm)


ya and that there is a good thing and also like, like maybe, need to use right now but you like now, certain important items like you know you you can't afford the full price right now credit cards can be quite useful lah


then after that, what advice would you give to someone to retire comfortably,


as in because there's the supplementary retirement scheme that's below right and I just that's the only thing I have right actually even know about like retirement as of now but I, what I you just have a understanding of it is like this account where you can like uh


you know put, money into it and uh, just, hold on onto it uh hold on onto the money until you're like sixty five or sixty five is the age correct ya around sixty five , and then you can take it out and all this money has like a lot of tax uh discounts like a lot of the incomes are not taxable so it's like you earn all those money now but


because you are taking it out one once you retire, you , can take it out without tax which is quite good, thing uh


that other than SRS like for retirement I feel like it's gonna be hard because like you know the increasing prices and all like it's very difficult to judge what will the living cost of living be in the future but like generally I feel like, you can only work until a certain age and after that you need to like


you know have, like what you said a passive income source, without you working much for it, so that is also, important to build that passive income lah, or is in I


am not really sure but as of now I would say yes I mean like, it is, the cost of living in singapore is high yes but, in terms of like a, comfort and like you know like, I'm I'm easily able to move around this place buy stuff that I know


so should be okay like the basic stuff is here so should be okay (mmhmm)


with a lower cost of living right, ya but like because I, (uh huh) oh okay like is


purely because of the cost of living is it, ya then, they have a habit of saving, (mmhmm) (mmhmm)


I am saving because I'm like having like some small amount of income coming, of my own activities outside , and uh so, I try my best to save as like a portion of it everytime the income flows in so that at least that way I know that I'm saving a fixed amount of money or like I know that I have a savings account that I can use in the future for any emergency or anything but it is not that easy to do as in like because as of now


the income itself is not so high and there's a lot of expenses like mostly for food and you know like, just the lifestyle or accomodations and all those so, it's not that easy but ya I am trying my best to


get a certain percentage of every , income, uh I use it for my daily expenses because uh I don't want to go back asking for pocket money


especially after the NS like the whole period NS you know we don't ask for pocket money so so I'm using this income to, fund my daily expenses and all those, except for tuition fees and, accommodation ya ya so


what would what would you give to the you five years ago, or financial advice


so you you want to like, (uh huh), so is it more for the experience or like the income that's


coming out both, I would feel like the financial advice I would give uh was to read more books like uh I did read some books recently for financial literacy but like


I feel like it's very hard to use those in singapore terms like, those common books like you know the robert kiyosaki's uh rich dad poor dad and cashflow quadrant where they explore about like the four different quadrants a person can have, but


I I mean I would really want the younger me to read it but, the thing is I'm not really sure how applicable the financial advice would be, because, at the age like you said is not easy to earn and so in order to apply the financial knowledge you have to have some form of cash review


to, kickstart some savings account or some, you know so, in order to do that I think like what it said both work and having some I know knowledge about financial literacy is important and I feel like schools should actually teach a certain amount of


financial knowledge, (mmhmm)


correct because there's a lot of financial products out there's like insanely a lot of items but there are so many clauses and so many terms and conditions that you might not know and like you know fall into the trap, and like so I feel like, you can tell the younger you to like carefully planned out but it's it's not easy to like choose the correct one and like you know


like uh uh like, not get caught in all those like easy traps so, ya that's the thing it is easy to give the advice to the younger me but how easy to follow will be a different question lah


yes I did like, uh five years ago I did like I think around, yes, four years ago I did one uh simple grocery shop like just a, sales well that kind of job where like it it the it wasn't for the income actually like the income was very little but it was more for like to get the experience but then after that uh in twenty eighteen was like uh I was working around in like retail shops


to like, that was for income and for the experience also but , wasn't much of experience but I feel like the income did actually helped me because I can use that for savings and many years later like two years later now it's still there so it's like quite useful


in that sense ya then, what can you do to earn extra income or improve your income level, as in I feel like


as a student there's not much you can do because you have to focus on academics like for in terms of income level but , I have seen people who actually do like side businesses like not just a day to day stock trading and all those but like a resale of products like they ship these products from their contacts overseas and uh they


do actually earn a lot of income from that like I have a a friend who managed to get like, uh, alcohols a different type of alcohol like from, different parts of the world and resale them in singapore and it's a lot of money it can earn a lot of money ya


business going well so like, these kind of things are like something that you wouldn't see day to day but, as a student you are still able to do them and they will provide you like arranging amount of income from like little to like even a lot but it is still an option that


ya I think students can explore, to earn (mmhmm) (mmhmm)


but what do you think about the time given to earn that in, come like one of the time invested to earn (mmhmm) like


one like freelance as in like so if you want to earn this kind of income from freelance right do you seek out these opportunities on your own or does the school actually help you with, seeking out opportunities, (mmhmm) compensation okay (mmhmm) okay then uh like


what are your thoughts on CPF contribution, (mmhmm)


ya I believe you can use it like for even like at a younger age you can use it if like like you said right real estate if you want to purchase like properties they have a certain allowance or certain percentage where you can use it for, uh like, purchasing the property not all but like for each I think uh yeah they have


certain amount fund in that change correct ya, so that's for the properties than you have CPF for your own health, insurance thing which is like quite uh important aspect like that's what I feel is the most important thing about CPF where it covers your health and your future


you know, whatever that comes in your future so it's like, it's like you're forced to save which is a good thing because I don't think many people will be saving if you're not forced to save, saved especially for emergency situation lah yup so


what what do you get like what would you advice for someone to get out of debt, something like if they if they have that ya (mmhmm) (mmhmm) I feel like


they have to first figure out the balance between like repaying the debt, and, uh keeping some money for their current, lifestyle like you need to, repay the debt but at the same time there is cost of living for like a while you're living right now and for the future so like need to know how to balance it out but yes eventually you need to know how to


finance the debt so that you can repay back, within a, quick amount of time as fast as possible ya


part three negative experience


I had one like, not so long ago which was a a simple product there was uh like I was, like quite, not whether I wasn't so sure whether I should buy it online because it's a


it's basically an iPad case, so I was like no maybe I should really like bring out the iPad and see whether it fits properly and looks nice and go outside buy it, or whether I should buy it like or on, E-commerce which is mostly I use lazada


so but then like I was prompted to buy because they had good ratings and good reviews and it was quite affordable like cost around fifteen dollars and I feel like fifteen dollars for cover is quite okay , so I bought it and the it was not all expected it was like it's very plasticky feeling and like the color is nice it's fine it's just


jet black it's a pure black but the, plasticky feeling, is not so ya, it's not all expected lah as in like it when you look on it right and when you look on the the lazada right where they sell it right is like


it's, not so plasticky and also the thing is, it has a lot of dust particles like stuck to the cover's uh page or something, ya I don't know whether they actually like reuse the old one or like give me a new one but that it was inside the packaging but you know you never know like it and it took damn long to arrive like it took like at this a week and a half


for a it was a local shipping ya so I feel like that was, not so happy but I'm still using it ya, Shopify I've I feel like Shopify is this thing where like


people just use it as a E-commerce platform to make money I don't know how it actually, works (mmhmm) (mmhmm) (mmhmm) (mmhmm) oh so the the payment when through


the did the payment go through, oh nearby okay


but I I've personally, never tried Shopee but it mostly because like it, it like , there's a lot of cheap products and like a lot of like uh, seems like a lot of fake there are original product definitely but there's a lot of uh like replicas you know


in all in all but I feel like Shopee has a lot, ya so that's why I'm like a bit uh, afraid to try Shopee but for, products wise I think there was this other time where I, purchase a


a daniel wellington watch for my friend, and like , she she wanted the watch like uh, for someone's birthday, and like I helped her get it but then it, it took damn long to arrive and it exceeded the birthday uh thing so it didn't arrive on time for birthday and so when it took damn long which is uh like it was longer than their forecasted uh date of arrival so I did actually send them an email it was from lazada as you but I sent them an email and their response was


we can refund you if you are okay with it or you can order again but I don't think it will be arriving anytime soon so I was like , but it's something you have to give for friend so you didn't yet is it you have to look for alternative option or like some so what we did was uh I


I still waited because, we know that person wanted daniel wellington so we still waited and uh got the so it was a late if but , still a gift so, I think, it was like it was a bit of like


it was quite sad like slightly because you know you couldn't give it on time but , ya so and and their their response was like oh you can just you know cancel if you don't want and like I was like oh okay so that's how much you care, okay so ya that's that and uh (mmhmm) ya (mmhmm) ah


and like uh talking about this online shopping and I just remember like I , purchased a set of products, from, I think is from europe is from europe but it's like this beard products, so they they had an offer we buy like two and get one free


so me being me I didn't see that offer so I just clicked on two products and I paid and like I submitted it, and they had like a lot of uh uh like things where as they were like promoting their website where as in like you know if you want to cancel your order anytime it's easy to cancel if you want to change your order


it's very easy to change your order as well and all those kind of stuff, so I thought , I I only realise that, I only got two items the day after so I was like okay there's still time so I I try to like amend the product so I send them a you know there's this like link they have where you want to change your items so my change of item was adding another free item but then they said like oh uh it is


we we have already like you know like submitted your order and it's going to take some time to change if you want to change you need to cancel the entire product and you know buy again and that will like delayed by you know few more like they said I think they estimated by one week and I was quite surprised because


it's just one day later, it's not that far off, so they say that the delivery might be delayed by one week I like, I was, like shocked so I ended up just buying the product without getting the, you know the sale so it's quite sad


that's quite recently yeah but it wasn't an online uh E-commerce platform or anything it was from the website itself, directly from the, the like uh the supplier ya from is is not a singapore websites it's, overseas ya how about like uh


holidays do you have any like, bad experiences, or like or like tourism like this uh, you know where customer services


ya actually I I I do that's why I ask the questions like because , uh we went on a family trip to, Jaipur, and then that it was going so well everything was going through well like we went to visit places had good food everything but they have this like


habit of uh pulling tourist, to this checkpoint at every, after the every like tourist spot that you visit right they will force you to go to this place and like they will show you all the items they have in the world let's just pull down everything they'll make you sit in the centre so it's very hard for you to escape from the place as well and they will


throw any type of item like from silk clothing to you know like uh jewelry to like you know mats and all those kind of like, household, the person the that pull us into it was the tour guide because he's getting some


amount of money ya so he he pulled us to it and he he pulled us to it but he like he just keep quiet the whole time so he's like once you all done you can come out so he like he chit chatting with the owner of the shop or something then the poor fellows in the shop, I don't know whether that poor fellows but they they made us look like poor fellows like they keep throwing us stuff and when we decided that we not going to buy it


they will just show face and like they will just like, oh so you're tourist but you don't have money so like, you end of at at the end of the day you walk out of it with a bad experience like either buy products like not wanting to buy it or you don't buy it but you still walk out like because you know you feel sad like


because everyone shows face and like that kind of thing ever and it's not just us is every tourist who go to the place who doesn't know how to speak their language , will definitely be , pulled into the thing yeah and it wasn't just us it was like when I ask around like we had one uh family friend who like went the same place they said the same thing so it's like this routine they have to make it look like the I don't know what what they're trying to do but is a horrible experience


(mmhmm) oh buy oh okay (mmhmm) (mmhmm)


so this was in southeast asia also right, ya so, but I feel like (ppc) another, if in bad experience something similar was when we went to the states, like they did something similar where they were like


going around showing, uh packages on tour like this tour buses you know like the hop on buses those kind , and they were like it's, forty dollars a person but we will discount it to thirty dollars for you guys


and uh it will be good for you all so we were like how long is it going to take you know because it was nearing lunchtime soon so it'll be like you know making the decision and we're like nine people going for it so it wasn't easy to like just immediately say yes and everybody hop on


so like there's some people are hungry and all those so like we told them okay we need time to think about this, and they didn't let us think about it they will like they just surrounded us like keep you know like bothering and like no you should go for it you know it's good I'm like uh I was like oh okay I think we'll just take a look first to think about it and then


the immediate response was, why would you wanna think about something that is so good and I'm like yes you are but you're promoting the product so like you know and the the person like eventually he just like he just, passed a lot of remarks like you know like oh you guys, like you know I don't know why you are even we were even talking to you all they will just go to another tourism group and they just


when and moved on to another tourism group and we were like what do we even do you know that kind of feeling so , that was one experience that was quite negative uh the states but like, I guess this kind of experiences are quite (ppc) normal when you're going overseas


ya you can't expect, to know everything and it's a new environment that's the main reason why I feel like, ya (ppc)


correct so like they use your lack of knowledge, to pick on it and make it a bad experience, ya, so how about like uh, any products that you have bought online but you


realise that you like ya you were disappointed and like maybe didn't function so well


I I'm not sure whether like I get fake products so like, I think there's one time where I got this uh, (ppc) fake perfume or something, like and I didn't know it will speak until like someone told me it was a fake item


it wasn't so expensive but still like you know , you feel a bit like disappointed and cheated because like you thought it was a original items but ended up ya when I bought it or is this also online as well, so I I was like oh actually it's fake but it's hard to tell the difference unless the person is a expert on it but still


once you know that is a fake product you bought a fake product knowing is a, you, thinking is a original product it's a not a good, (ppc) most of the people, thought it was original product they did like some of them did even like give thumbs up for authenticity


so, I'm pretty sure it's like because they didn't know as well they didn't have like some expert opinion on it like once they bought the product, as well so like, yeah it was it was a very simple thing like you know the (ppc) like for perfumes I think they can like, take out and put


other liquids or something in there you can change the fillings or something, so like it was very hard to tell but yeah luckily the person like with me told me that it was you know not authentic and, once you check it out yeah it wasn't, authentic so yeah (ppc) (mmhmm) (mmhmm) oh okay uh


okay so like how about like, products you have bought when you are overseas (mmhmm) so like it's


your personal feeling like if you find it usable then, ya for me I feel like, I would want the authentic product like uh because you're paying paying a premium for it right, so like if I okay so then uh it's like


how about any services that you feel like you know wasn't, like, wasn't up to par for the price you paid or, was really shockingly bad


(mmhmm)


[ah]


part two positive experience, okay so what are the positive product reviews that you want to share what


ya actually I used to use wired earpiece until my friend recommended me to get a, wireless, uh earpiece wireless headphones or wireless earpiece that's a classification so I was like I wanted to buy a good one so I spend like


a decent amount of money and I got uh I got it on a lazada sales I got the Jabra, elite sixty five T, so I got it on a lazada sale for I feel like it's an affordable price at hundred and thirty eight dollars, quite recently is like a few weeks back and uh


I was a bit skeptical at first because it was online shopping and I'm not so comfortable with online shopping so, but then the ratings and the reviews were good for the product like they were mostly four to five stars, and then it was from the official , flagship store itself on lazada so I did get the item and


it was delivered quite fast so that was one good thing that I'm happy about because you know, we can get impatient sometimes , so once it it did arrive the packaging everything was quite solid and the instructions were clear and, it's it's really a good product so happy about that purchase


oh okay so for that product they had uh two classifications where one was for like for sports and exercising, one was just for, casual use uh I got the one for casual use that's this, uh active elite, sixty five T I think if a that's for the sports one which is a bit more pricey ya so what I think


the the way they explain like you know the features of the products and all those are quite good even the lazada has their own like , explanation for like uh how to use the features and so on because they have this app on all smartphones, which allowed you to change the mode to uh


sound proof or like , ah hear through hear through is like this feature where you can like listen to music and talk to people at the same time without like interference, and then you can increase your all the, uh bass uh bass notes all those things to make it sound nicer


so those features are actually quite uh, not something normally you will see in the normal earpiece but it's, ya so enhances the, the user experiences lah, which is good (mmhmm) free the smiley face one is like wrong box (mmhmm)


okay so how was the, (mmhmm), ya it is a it's not magnetic so the thing is it it uh has


is you have to press it to open so it doesn't like, loosely fall out I guess it's quite, it's quite tight and solid, ya so is even if you drop it it's fine and uh the casing is quite, uh like strong uh (mmhmm) okay so how about your like other experiences like


flight experiences and all those do you have like, good product review like, all those like you know uh because I feel like for product review right it like most of the time you have a positive experience for a product or service is when you flying an airplane


ya like personally that's what I feel lah, it's like because they so nice to you you know, oh because I I like I have this uh


like good memory because I flew alone uh in emirates, when I was very young like around eleven , and the just by myself I was like this unaccompanied minor thing , where they they actually take care of you really really well so like they is is


more than like as in you are travelling as a like a even if you are alone but you're like you know eighteen plus or like you are with a group of friends or something you'll get a decent amount of service yes definitely but I feel like if you're like, a a small kid with like no one and just you there were other small kids and like all of us got the same amount of


treatment it's like it's just I was I was eleven, ya I was flying alone when I was eleven so it was a long flight and uh everything was taken care of they like and because, the people working during that service uh of flight had a lot of like not a lot but they had a decent more free time because they go by shifts so when they have free time what they do is they don't like they


I don't think they watch movies or something but they like just come around they talk to you they like they even like just asked how's things and everything, and they like you know chit chat, and like I feel like that was, really, good but I didn't I didn't like really talk to them a lot because, mainly because I was shy and mostly because there were movies they they like I was watching most of the time


but still like on the return flight I didn't actually like talk to them and all those and like, it was really nice lah like, honestly flight experiences are always like, good experiences for me lah how about yourself


ya maybe ya, (mmhmm) (mmhmm) ya it just like


the simple simple things that actually like make the whole experience, nice ya then I, I feel like I enjoyed my trip


to the UK like, both times there and and in terms of tourism the positive experiences are like they are really nice people they help you like , like the tour guides like in certain locations or like famous landmarks they you don't like uh


just take your money and just explain everything and just leave it as it is, they actually like you know talk to you ask you how's experience they even recommended stuff like this is good this is good and like they don't get anything out of what they recommend but they still recommended to you and


like, apart from tourism even the people are nice so like you know like the other people in the my tour, in the guide that I went as in like uh the tour I went they were also nice they were like sharing their experiences and like uh, you know how many times that visited this place or


is their first time all those, and like where they're from and you know, how's things that and all those so, that was a good experience, so how about tourism for your side, (mmhmm) (mmhmm)


so it's like a personal experiences lah, like and, and how about like the whole, like, tourism thing where they go around showing you how was those, kind of thing so it's like generally so it's like quite positive ah okay uh tuk tuk is it oh (mmhmm) okay how about like uh you know


purchasing items in singapore have you, positive experience for those like, in uh retail shops, singapore oh for me I feel like singapore


uh certain places are like you know once you, like shop finish or you like and maybe is a restaurant you just had like dinner or like lunch when you come out you feel like oh actually this place is not bad, because , uh but not because of like it maybe it's because of the product sold itself but like it could because of the customer service that they provided also


like the most recent incident that I could recall it was like a zipper dining experience yesterday, we're like you know uh, the people there like just like you know, heat up a conversation and like, oh how's and like where are you all studying or you all working


like it, to just like you know filling time and like because we were waiting for, to be allowed in and while that was happening they did actually talk to us and I felt like , they actually like trying to make us stay and they you know uh still eat eat at that place but like


at the end of the day they might be earning better business from it but, for me I feel like it's still like something that, customers would want so I feel like we're not bad this place is not, not you know that kind of thing ya


yet ah then then especially after like you know when you're like you're finished your meals they like they they come back to ask so how was this you know because sometimes like this uh, there are people who actually recommend you like this is good in this place, so when you are actually a bit skeptical about it at first so actually when you tried right sometimes it good and especially when it's good right they like


they'll, I mean they won't know whether is good or not but they just come and ask you so , and if it turns out to be good than ya it'll end up in a positive experience but if no then, and too bad and that for then , that's what happen yesterday like they recommended this item and we tried it and we liked it so when they came back to ask about it I was like


okay not bad they actually care about their customers so it's quite good ya, ya ya correct


it's like is it you they saw when you walk out of it you know like it's okay this is good you know, positive experience ya how about like uh like gyms and like those sport centers in singapore oh


like uh how about the well health and wellness kind, of places right (mmhmm), uh I I have tried going to a few places like there are certain like like


I had this offer to go to this country club's gym and like uh, I remember that were like four people at the like they have this shifts so they like if I go on monday there's this person I got tuesday the other person, and like there's this person that was always there on wednesday was like he's a really nice guy because like you know I was like very new to everything there and he like he help me like okay don't over extend when you're doing this this how you supposed to do this and actually at that place they charge for giving this kind of


uh services, like they have personal trainers but they charge a lot of money for that, so I was like, okay he's actually helping out of his own goodwill, so it was really heartwarming to see that, and uh after that I like I try to go on wednesdays mostly because you know he's there he can help me out and actually we did like talk and all those so


it was a enjoyable experience lah, like really, and there was for the gyms side but then like for health and wellness side I as, like other stuff I've never really explore around, their product services so you know know much about them ya (mmhmm) (mmhmm) (mmhmm) like so that's the how about like a like


daily stuff that you you know shop for like, ya simple stuff like groceries all those do you have any, positive experience that you can recall (mmhmm) (mmhmm) discount I feel like certain like you know when you go to certain


dailies shopping like stuff like groceries especially right like , if I go to NTUC I'm, happy because most of the products there are affordable, but I I, yeah and the when I go to cold storage I'm still happy and like that is because


there's a wide variety of stuff and stuff that you really cannot find in other places in singapore like in like local #mama shops# or like NTUCs and I mean there are a bit pricey but once in a while it'll be good to try those kind of stuff and it at like just seeing the


international stuff there like things that you cannot find in singapore like, I feel like for me that's actually quite a, it's an opportunity to try something new so like, simple things like you know , they have hummus I think only cold storage like they have like all this kind of stuff like


the hummus, toast breads and all those, like a good range of, stuff so, I feel I'm happy by just like seeing there's an options but, whether I buy them or not depends on the days budget lah, ya, so that's my side for like daily stuff


ya generally is, positive experience for all, even if it's a like cold storage or that kind of places or like even in is NTUC or #mama shop#, ya I used to


and like the person there was like, quite friendly with us because uh after school we most of the time go there to the same place, and we buy the same thing and uh, it's ice pop so, it it cannot be expensive it's like ten to twenty cents


so he knows we will be coming there and like so oh they increase of price oh ya so the that was (uh huh) oh oh that's nice


part one finance, me ah


invest my money I I'm actually thinking of, maybe real estate lah like buying properties, I think that's like a solid way like have a passive income, for retirement at least


ya like second property correct, what about you, oh


I think I see and my mum does that so I probably though at I also thought of that lah I think that's like because gold prices will always grow, I I think they're only going to grow up so it's better to start saving now itself,


so like another ten years maybe,


I mean I've heard of it but never actually look that much into it lah, okay,


okay do you think can do stocks by yourself though


okay for stocks


I might try lah as usual maybe when I'm like earlier at this age maybe from my twenties to thirties or maybe until forties after that I think like after that I'm thinking about real estate already like having the I think the passive income thing lah


ya I know lah but I mean, as I think that if I like I've, if I've earned for the next twenty years already should be fine lah,


yes lah actually it


do you own one now like I I only use my debit card now I don't actually have a credit card so I think once I start earning like going to an actual job since I'm studying now I think a debit cards is fine good enough but once I start earning I think a credit cards is necessary lah like you can


I mean you can pay your like just for simple stuff lah you can be , anything beforehand and once your, uh, uh suddenly comes in and then you can transfer over it that lah so it useful in that sense


ya okay


I mean I get that but I, I feel like the system of the credit card make sense when like you have to earn like monthly income since like let's say you want to pay something like, let's your normal groceries itself like I wouldn't want to take it from my monthly salary if I like how I say if I don't think that is sufficient amount now


and than once I get my pay for that month then I'd like to transfer over later so I I think the system works then lah,


okay, retire comfortably I think


work hard and play hard when you're younger earn as much as you can and have a plan lah like if you want to for retirement would you actually okay what about you


oh okay ya ya


ya, okay agreed lah that's what I know about SRS too so yeah I think in yeah right probably look into that as well


actually would you, ya would you, would you like still, for your retirement like do you plan to stay here, like do you have any at


okay is it I mean if someone ask me what like they should do for retirement like it depends lah if you are okay with the cost of living then stay here of not if not maybe go to a different place like, ya


because I feel like you and you're working like this place staying in singapore make sense lah, then for retirement if you are like if you are entire family is here and everything is here everything that you know is here then okay fine but if you asking me about a plan then maybe


maybe somewhere else, ya probably ya purely because the cost of living, then


habit of saving not as of now lah I mean I would definitely want to save but at this point I'm not really earning anything I still get allowance from my parents so I save whatever I can but I mean not really lah are you saving


okay


so like whatever you earning now are you is like is that part of like ah how you said it do you use that for daily expenses or like your saving just part of it


okay okay okay


okay yeah understandable lah, five years ago, financial advice, I would maybe


tell myself that working at a young age is like how you said it taking up part time jobs, is something that you should look into lah, because I think I only had my first part time job when I was eighteen I didn't even do anything when I was sixteen


so like I think just like work ya just tell them to go and they explored different types of work, available it doesn't even matter like I could be working at McDonald's but I'd be earning something, and so


I think that's what I tell myself, no I think both just okay for the experience one thing and the second thing would be, I like on how to earn and all that lah, like yeah what about yourself


ah ya actually I think I agree with that I don't think I've learned about anything maybe okay maybe just maths you know they have this topical stats, ya I think that's the only thing that we learn about like finance, like finance side was a like little bit covered in that other than that I haven't learned anything in school so I think that be good if they taught us something about finance in school


did you having you worked like uh part time jobs before this like let's say five years ago,


okay, I, can I do take up more jobs lah as of now I would say take up more part time jobs but


why would you do right now, oh


, the business going well lah , I think ya as of,


okay for my side I would say right I I come from a art school so a lot of my friends they even done like what poly diplomas on design and stuff so a lot of them are doing freelance work and they get quite a bit like


I think they earn their allowance lah, like what they spent daily, like the daily expenses can be covered from what they're earning so I think that's not a bad option right now I feel like I just want to learn in school and then maybe next year I might start doing something like that


time invested uh, well I think it depends on your priorities in school so there's definitely school life and your social life and like you can even join like what CCA and stuff lah so if I were to do freelance it will just be probably school and freelance and that's it I won't be doing anything else in school


and I think you can manage that,


okay school-wise there sometimes lah but school-wise probably they only have like work study stuff you help the teachers out as a work study and you get like a, you went from that and maybe ya, but otherwise I'd have to go and look


look for stuff on my own, or like there there places like fiver so I think that should be good enough, ya, CPF contribution okay to be honest when I first when do my first part time job


I was like why is this money going to CPF but now that I'm a bit older I understand lah and I think it makes ya definitely make sense and like you can take it out, it ah it, like you can start using it when you're fifty five right, around there for ya ya


ya ya like you've, first house and all that you can use it right yeah I've heard about that ya,


true, ya right right yes


get out of that maybe look at what got him into that first, and then work from there probably like uh, , probably like you you spent on something right so that means your daily expenses has to go down you have to start


maybe earning more of more jobs or what, and then, uh maybe talked with the companies that you owed your debt to and then come up with a plan as to how you're going to repay them, and maybe lastly talk to a financial adviser


to see whether they can help you out, what about what do you think you would tell a person, who is in debt


I mean when it comes to cost of living I'd say just the bare minimum they would have to look like, take care lah but then when you in debt I think you have like put in more money to repay the debt first


part three negative experience, part three negative experience, okay


have you had a negative experience like to E-commerce like buying stuff from, apps or web


the material wasn't good lah


or is maybe like it very old old one lah that you got, you will never know lah


oh local shipping, okay, actually do you know what is shopify, have you heard


okay so there was this one necklace that I like I really really liked lah and I've been I've see I've been seeing it around then I saw this instagram page , that I followed, they were advertising they were advertising it so then they said that oh they gave a good review for it then I thought okay I've been following this page for like quite sometime maybe it's legit


so I go buy it so it's a US product lah the person who's selling it is from US so I thought okay uh should like should be okay and I sort of like view review and stuff, stuff so I bought it, uh through, ya I bought it through shopify and in like it showed me a


uh like a shipping time and all that like they had like a I think on that shopify website or on my email or something it would tell me where my product is at the moment so once the deadline ended like nothing came, so


and so I I waited for a week or what and I sent like a few emails I went like email the shopify website itself, and the the what is it the page where I bought it on right didn't exist after that so I knew I got scammed


ya but, so the sorry what, what did you say, ya payment went through but I paid it through pay pal so I managed to get most of it like the ship I think I couldn't cover the shipping cost I got back my product cost


so, and that was the worst uh, E-commerce experience that I've had lah so far, so I don't I have never trusted any websites since then I normally like go through shopee or like ezbuy is those two have been okay so far


oh so no point


so what do you do after that, okay that's why


why I feel like when I'm buying gifts for someone, when where there's like a specific deadline I rather that go and just get it from like a actual retail store like because of the shipping timing and all that I I don't, like if if you are alright with whenever it comes then I think is alright to buy on this place at these places but like for gifts-wise I I still rather go to like a retail store and buy it buy it physically


ah okay


okay how about we, directly from supplier okay


bad experiences uh, I think like wait I'm trying to think of what, do you have anything in mind right now,


uh


so who is the person who pulls you into it like a tour guide is it, commission out of it


oh


people will go through that lah


I think I've experienced something similar but that one this one was in thailand so they keep bringing you like it was not just that tour guides you know or like the people at the hotel, , like if you took a random taxi and you became like maybe really friendly with the taxi driver


he will just say that oh I've forgot this place nearby shall I bring you there and it was exactly like the same sort of store so it's like, I I think they so semi precious gems, so there's a few uh that uh throughout uh the place that we've visited


and, like they sell the kind of the exact same thing so it's like just a few different types of semi precious gems and you just they pull you into the store they show you whatever they have and you take a tour of the place and then they say you want, to buy anything and then the that the driver or like the tour guide will get a commission out of it so


throughout our stay right I think we've gone there we would have stayed for five days we would have gone to like about four stores with like maybe two of it we we give in lah I say okay I will help you out then we just go to the store the other two we just be like they would have pulled us in without us even realizing what it is


ya, so that happen quite if that was once and I think over the same trip we stayed at his hotel and uh we didn't realize we like we were new to the place so we ask the people there what type of transport should we take to this particular place


and they told us to take their own service, like uh take their own guide and then uh take like what join the car for like the entire day something like that, like we did that for one day we realise that is super expensive compared to just taking the normal taxi to the place we thought the place wasn't accessible like using a taxi


or like we couldn't oh I think what we what happened was that we thought that we couldn't get a taxi from that the the destination that we wanted to go to so that's why we were thinking about renting a car, but then turns out that we could have just taken a taxi to and from and they didn't want to tell us that


so they made money out of it lah and we had a had a bad experience, ya correct and it


I think the the negative part comes in where they know that you don't know something about the place or you don't understand the language and they take advantage of that, so ya disappointed by it I wouldn't


wouldn't say so actually, , so far what I've bought has would , so that's fortunately lah and is any like have you experienced anything


but what about the review is like on the site don't, they didn't say that it was like a fake product or what, I haven't


that for skincare products as well, like I've been wanting to buy this particular brand called the ordinary and it's not sold in singapore so like you have to go through like maybe some site like lazada or not some site that like you have to go through an external site to get it lah


and from what I've heard is that they you might actually get the actual product but might be lesser than the actual amount or like they might mix something in in it with it so because of that I'm still like contemplating whether I want to get it or not


ya, and sometimes you can read from the reviews itself lah I think the only way you can tell is it from experts opinion and through reviews you can't, like you won't know other than that lah


okay, when I was in, when I was overseas so the thing with me that is that I don't really I don't mind not buying branded stuff I rather just go for the


the replicas of it so, , like even electronics stuff probably I've bought like a few year places overseas and like a lot lot of clothes and shoes and stuff so as long as I find that the quality is okay I would get it of course it's never going to be as good as the actual brand but


I think that as long as, I'm fine with it I'm okay with it lah, ya personal preference lah oh


okay but in my case I'm not paying the premium for it like I'm okay with spending less for it, so I guess lah, , what else


shockingly bad , , okay there was this one place where, like sometimes people just try on stuff okay I'm, I'm I'm saw that person so that I would know whether I wanted to buy it for the next time or not


and I feel that customer service should be in a way that they allow the customer to try on the stuff and tell them what's good about the product and , like still be okay if I don't buy it whereas this particular experience where the the salesperson wasn't happy that he spent so much time on me but then I didn't like I didn't buy the product in the end


it's just that it during that time I didn't I, I want to save up a bit more before buying that particular product, so like when I had this experience and I was like oh I'm definitely not coming back to this store again


part two positive experience, okay <P2>karthik</P2> so


and I want to say it to you , well, I guess I just got this new earpiece lah, so that was quite nice, what do you like do normally use uh headphones or earpieces


okay oh !wow! okay


okay that's a good actually I also thinking getting a wireless earpiece, do you think it's like better then like, do you use it like for exercising and stuff, that's it, it's like is it better


okay, no


okay,


okay


I got myself I I didn't buy for myself but I got my sister one I think is a JBL I forgot the model name, , it's not the smiley face one


no it's kind of a long box okay sorry I don't remember the exact product name, wait actually you just give me one sec, that's right, it's the tune one twenty series, ya it's actually not bad also they came in like a lot colors so that was nice and the casing is kind of cute also how's your casing is it like uh like does it actually stay


but yours expensive lah should be, okay


this one this one's a magnetic lock lah so that was kind of that's nice to play with but ya one the sound quality wise also was quite good and, I think wireless is definitely like easier to exercise with and stuff because is the wire's not there with so that itself and like that in itself is a plus I would say


flight experiences sorry you repeat your question,


oh, personally, okay how about you say yours first then I I'll say mine after that


how old were you were when you went on, okay lah okay, scared


okay okay uh okay, I think yours mainly because it's like you are eleven and then you felt you're scared and then they treated you really well so like you felt damn nice lah


okay ah I see okay I've I took one flight to US once that was a longest flight that I ever took there was pretty nice with the service and everything so one thing ya lah the there was like you can watch as many movies as you wanted so as I was also around twelve


or thirteen in that time so that was, that was fun, and then like just a simple things of them like asking you what do you want or like or even them like uh, like they would say it's morning already like they let you sleep overnight and then it's morning to already they pass you like a hot towel I was like !whoa! service so there was


ya ya , that was nice what about tourism-wise like the places that you've visited


from what I said, okay so you talking about you okay lah so, so, let me talk about like, like southeast asian country I actually liked visiting places like what vietnam Bali and like maybe thailand you know that okay so the last one that I went to was vietnam with my cousins and my parents also there lah but we spent more time with my cousins


I actually just like going to the market there and then bargaining for whatever you it's like a different experience lah and, I think that's positive in that case because you don't get something like that in singapore so when I experience that there and I actually like bargain in I get something for like a way cheaper price I'm happy about it


so that's nice, personal experiences, not bad as well so the place that we stay there or everyone was quite friendly and the places where we visited also like


like if you go and ask someone how to go to this place or like what's nice here they actually do like take their time talk to you so that's nice about that, quite positive overall


oh I love taking the, the what taxis or grab in vietnam I think ya do you know they actually have this motorbike there's just like one person ride, yeah eh no it not #tuk tuk# it's like it's a normal motorbike usually don't see that in singapore that over here grab ride it's car it ride it over there you can get a grab like in a motorbike so ya seeing different things itself I I feel the positive experience


in retail shops, I, think overall positive I wouldn't say that one thing like I can't think of like one


thing that, that was better than the rest anything overall has been positive so far, , like legit clothes just clothes lah, when we go to any retail stores people there I think the people that they hire so they make sure that they hire people


that will come and talk to you and will come and see what you want and not lah so, I, it's positive so far lah what about you,


so you kind of like it when they come and talk to you and ask you about your dining experience and all that is it, ya lah


I think I feel like I wasn't like that if I like something in the restaurant I just go ahead and tell them that you know this was nice, then you can have a conversation about it and that then also goes well lah


, ah, I I think no lah no lah I really so I don't do any sports uh, uh, I don't really do like exercise on my own or go to gyms or anything I prefer so I dance externally so that's the only thing that I do exercise wise


so I think you want to talk about your experiences gyms and stuff


okay okay maybe maybe dance lah I say in the health and wellness probably fitness also so I go to this I got introduced to this place through school it's they teach a few genres of different types of dances


like hip hop and urban contemp and there are even like K pop stuff lah so it's a open class sort of, , setting they have like a few classes for a week, like


consistently and you can whenever you're free you can just sign up for a class and go for it so as long as they have slots for the class you can go ahead and sign up for it lah, so through that I've gone for a few different type of uh classes and their service has been quite good lah and


I think I enjoy it because I get to learn different styles and the the instructors there are like really kind they don't care if you're like a first timer or like they've seen you a lot times they take their time to teach you, and overall like just from the experience of like saying that oh ah you came here in here for the first time and then


like saying that at the counter and then going in for the class than coming out, I think overall has been positive for me lah with their dance classes


groceries and stuff positive experiences I guess uh now that I I stay in hall because uh my school's very far from my house so I do have to go down and shop for my own groceries if I like need lah


so more than product wise I would say the service is what makes it up for a positive experience since I've been staying there for like quite some time now I know that people I kind of know the people who work at the grocery store so whenever they see me they uh they recommend stuff or like