yeah uh , so uh when when when when I call up a customer service agent I usually seek a resolution, for for a problem and then uh this does not happen in singapore actually uh a lot of times when I called up uh there were a couple of times when I call up uh the


customer service agent to to seek a resolution to the problem and the customer service agent simply says uh I'm sorry I cannot help you with that and I'm like okay so I still have a problem and, you are not going to solve help me solve it then who else is going to help me solve it so I find that uh it really disappoints me uh disappoints me when I you know like the intention to call up not just to complain but to really seek a resolution


for for for the problem but you know they they they just don't uh entertain my requests


(mmhmm)


filter


ya I think that like uh the funniest thing is that whenever I encounter this I will just try to like take the shortest option like okay what is zero what is zero what is zero and I just to try to get to a customer service to talk to a customer service agent and often not it's it's probably like a customer service agent that it's actually not uh


specific to my my requests


yeah and like now with with like uh online platforms I think like this kind of things should have been kept in online platform which where it's actually faster to faster to select your options, there as [orh], kay


(mmhmm), part two positive experience, okay


I guess we can talk about the , I had a latest purchase which is uh uh Uniqlo I like Uniqlo stuff and I think that their clothes are very very, uh


very nice to wear it lasts very long so uh, I think it's a I will really recommend uh, anyone to use their products


and uh it whatever they market like uh usually match what uh whatever expectations I have so whatever they advertise for and when I put on the product it actually matches what they advertise for so I find that uh it's a very reliable brand to go for


so the next product that I thought uh I thought would be, uh interesting to talk about it's uh it's actually a a product that is managed by multi level marketing uh it's uh they actually sell essential oils and uh personally I don't like have uh


buying things from MLM companies but for this particular product it has been particularly useful and uh good I do use it a lot what I'm talking about is the essential oils uh you do know of that right


uh, so personally uh it it's not it's not cheap I think but joining uh as a member will get me , discounts uh for for on the prices of these essential oils so some people actually pursue this as a


a what do you call that, as a business a sideline and they try to pull in more members but personally I just like using the products and I think that it is very effective, the uh the, products are as advertised and it's very effective


ya it's a nice thing to have ah but uh, okay so I guess that the, the uh, there are so many there's so many many brands right now


bubble tea I like the one from Xing Fu Tang I think that the the pearls are are very soft and but uh I guess like bubble tea is bubble tea so if you just place one in front of me uh I don't mind which brand it comes from


I guess it depends on like the flavours that the brand actually have likes like like for example koi doesn't carry strawberry, milk bubble tea like uh Xing Fu Tang carries or or ya so I guess it depends on like what what's the flavour of the month ah I think


ya ya, yeah, but I find Koi I had like long queues so uh suck it has a longer waiting time and uh that's kind of a put off honestly yeah


but like my like if we were to talk about like for value for money I think that essentially like like you know between between Koi or Liho sometimes uh uh Koi is a lot more expensive than not say a lot more like it's a one dollar more expensive than Liho


and I find that like uh you know for the that amount of the for that taste and for for for for that you know the toppings kind of thing I I I I'm comfortable with going for liho, yeah so like I said like if you were to put a bubble tea in front of me I don't actually mind what flavour or ya you know it's bubble


tea so yeah uh, ya shoes uh you going crazy for that


ya so uh with the discounts and the sales it actually makes the shoes uh an even better value for money isn't it, yeah, so yup uh what about education and training uh we spend quite a lot on our


kids' education and and, the, we actually don't stay in singapore so our kids goes to a international school uh, back home in dubai uh, and we spent quite a substantial amount for it do you think it's a


I also like the fact that like the schools actually offer uh subjects that is not offered in a typical singaporean uh kindergarten for example uh our kids are uh, are still at kindergarten age so they go to a kindergarten school


and uh what we have in in in the international school is that, uh we have uh uh, our kids learn uh a a different language a a third language in fact and uh, I kind of like that and I think that's a really value for money which you you can't get elsewhere


airlines [orh] yeah uh I mean uh, between uh


we we travel back and forth, uh , [orh] at least once a month uh sorry once a year , once a year so we we, we do we we did have like our picks of uh, of airlines so I kind of like


Emirates because I find that the the air steward and air stewardess are very friendly and we do get like ya uh it's a much, more comfortable seating arrangement we we usually get go for the bassinet seat and there's a lot of leg room


and uh, I like the the food, on their airline uh but I guess uh, uh that's not a really winning factor for me I think more uh the the winning factor for me uh with Emirates is uh the air steward and air stewardess were were really friendly and I didn't get scolded at all


yeah


(mmhmm) ya


yeah, yeah that's true, ya but uh


the ticket price is also slightly more expensive than than other airlines it's actually one of the more expensive ones and I've I felt like the winning factor for me was really essentially how friendly the the the service are the uh the the the staff are


[orh] ya eh


(mmhmm) that's right that's right it's easy to choose their flights, uh to foot fit in your schedule


uh no no I I don't think that's a positive one so it's okay let's, skip that one , ah okay


yeah I actually thought that was a that were actually negative product review out of it I was about to suggest that but


in general I I like I like Apple products too, I I use them for for for my own work and , I think it really goes above and beyond what, uh , other uh its competitors are offering uh and a lot of times I feel like uh the competitors are just like trying to catch up with what uh the technology they are trying to on offer


I mean like the Apple pencil for example it's something that is uh, it's uh it's really useful uh it's really a a technology above uh and beyond what other other other, other, digital companies are actually offering


and , uh it's reliable like you said you've never experienced uh a blue screen of death but also uh on the same uh note like if you do ever experience problems with the , Apple product they usually have usually have the Apple care or uh


uh, repairing it is quite easy in that sense so the backend part is also quite reliable, yeah, so I would recommend Apple product too


[orh]


user experience, ya ya ya I agree I agree uh yup, shall we go for food and or shall we go for


uh , Carousell (uh huh) it's your favourite right mine too


(mmhmm), yeah


(mmhmm) (mmhmm),


ya that's true but I think Carousell not only sells second hand products they also sell like uh, first hand products like uh I know some one of my friend sells uh badges on, on Carousell and uh the the ones that she makes uh and uh in terms of product quality and value for money I think it's it's pretty pretty reliable lah I mean uh there are there's always you can always rely on reviews uh other people reviewing the product uh uh


you do have to do some checks but uh, above and beyond it's uh it's really uh something that, that that we can rely on


investment products and opinions , okay so I can start by asking the first question do you think investing or trading is similar to gambling, uh personally I've seen people doing forex and like


eh my part I feel it's a bit of a gambling per se because you're predicting, whether the stocks will actually go up or down based on the currency so unless you actually like read about, maybe the the whole global aspect of like what's happening throughout the country you may or may not predict


whether the currency actually will go up or down so so I feel like it's gambling lah, what are your thoughts Zul, ya actually I wanted to leverage on this also because uh I


ya, that answer that risk profile that neglected and they are willing to


the risk this much of their portfolio, then on top of that also err I think we all boils down to risk management, because especially with trading angry leveraging or as long as you calculate okay you want me about thirty two to five person


cause at the risk reward ratio so then so if you entered a trait annual, okay you done your part already so, ya it's more of an intelligent gamble you're making an intelligent prediction


uh, fair enough, uh we shall start with the next uh, , question uh what does investing mean to you Zul, ah okay maybe I can share a bit more so investing to me is like


I'll save some parts of my money, and, and I'll put it somewhere else probably like let it what what what people say let it grow per se like, uh every year there's a interest then they will like add onto your money and stuff like that so uh which I feel is a good thing because people would like said


like you don't put it in banks because the banks interest rate is quite low so might as well invest the amount of money that you have not been using like you know save it aside and stuff like that so , I feel is a good, good uh initiative or like it's a good thing lah for us to do investing


provided that uh we are able to, uh how to say, uh separate your finance currently because I mean some people got bills some people got like stuff to pay expenses and stuff like that so if you put in like your whole amount of money and stuff and it wouldn't really


be much of help because investing is in the long run it's not really like a short kind of term , and I feel that it requires a lot of proper planning lah which some people have some people might not have so, which boils down to the another one of the question whether you should invest with a financial advisor or not so unless you know unless you know what the hell you're doing


I feel that uh having a financial advisor would actually be beneficial as they would uh like, they are they study about this so they will actually advise you okay we can set amount this time we can set up we can set like this amount of uh money stuff like that so you won't really


uh go go try when you want to invest that kind of stuff so !oh! where we can, get your, uh opinion regarding this


!yo! Zul I cannot hear what the hell you're talking man, uh how how about now no


is your mic having a problem or something, okay okay can can there's nothing come out of my speaker


ya ya okay is it red, try again, okay uh ah ya ya can can ya can hear now


wait wait sorry what's your question again


okay uh , okay so I'm not really well well converse in investing uh because uh maybe, partly I'm not well educated regarding investing I only know like the


, the basics of it lah like what investing is doing but in terms of like , the actual like amount and like timeline, that I'm not, sure because uh like there's like a lot of ways like compound interest or something and like there's the


the, the like you put in a set amount of time like five years then after that your money will grow then some , where uh, there's some whereby like, , you can put in some money but then like they give you some leeway like every one year or two years you can take out take out the the amount that grew or like you can just let it put there ya that kind of stuff ah so


these are just some of the some of the, uh investment scheme lah where one I can say that I know of , but, if, if you were to ask me whether I would start now I wouldn't say so because I don't really have a stable income


and like, uh I'm using like my daily expenses based on, my savings ah so which like, work part time and uh, , from NS


uh okay ya so like I said uh I'm currently now don't have a income because I'm not working I'm a student and my daily expenses I use it for my savings


from like NS uh working part time during the holidays so I have a set amount of money in my bank and it's like slowly depleting away lah and I I don't ask my parents for money so how would you recommend a student like me with like little cash in hand to plan for my investment journey


okay uh , so uh let me ask you another question uh the current stock market is not the economy what are your thoughts on this


uh okay I feel like if there's not much news regarding like okay like those uh #tik toks# ban or like whatsoever like there's no drastic measures whereby , a huge a huge amount of some uh a huge amount of news ah would change or whatsoever


I feel that the stock market generally uh like have low like minimal impact on the economy because like , you don't say like okay maybe like US rates are suddenly shooting up high, like slowly and then like you can see like your


apples from like one dollar become two dollars , that kind of stuff so it's not really, , uh quite drastic it it's like a inflation ah basically it's like, like slowly time goes by you know based on this based on this factor that factor your your your food all starts to go up and up and up because like it's it inflation lah basically it takes time so


I feel that stock market per se, uh generally doesn't really affect the economy lah that's that's what I feel but if we're talking about like , drastic measures like those uh #tik tok# bans and like zooms kind meeting then of course


that one, that one is like you can you can feel it lah it's like it's quite impactful, , ya as in that's that's that's my taking it lah


okay honestly uh all I know is you get to withdraw your CPF money in what fifty five right, that uh like is it five, sixty ah then before that there's there's no way for


eh, okay whatever lah whatever age it is , uh I know that you can only use CPF money to buy houses is that correct


okay but uh I would I would, if if the money is like it's mine but it's untouchable until I'm sixty five so might as well I use it lah I use it to invest on my, invest myself lah basically like if I can invest it I will invest it like


some way of another lah but as of now I'm not, I mean I'm not really particularly sure about that lah but if there's an option I would definitely opt for it because it's just like there sitting money like unable for me to touch until I'm turning sixty five


so might as well let it grow then like by the time I sixty five at least I can take it out as in some not all right if I'm, not mistaken ya might as well do something with it lah because, we uh I mean you can't run away from CPF because like it's taking some from our income so might as well do something good


, based on singapore's law ah currently on CPF ya that's that's just my, take on it lah I mean can't do much with CPF lor so, ya, so I mean if you have a one million dollar will you invest your money bro


better than nothing lah I mean, small amount is still amount, , uh do we stop here is about thirty seconds, !oh! continue okay uh, ya so if you have one million dollars will you invest your money bro


ya


negative experience, okay so I would like to share about my negative experience at this particular store, at Somerset , uh , okay, ya is about the fruit ah basically it's like glass door which is like I had a very bad experience okay so basically


uh I wanted to buy, an ipad you know for my school and stuff like that so I wouldn't know, like K like cause there's so so many ipad so like I don't know like what I should be getting, or like which ones which model is good or like what's the benefit of the new one and stuff like that lah so


so I just decided to go to the shop, and all and like I was out with my friends stuff like that so normally usually if I'm not wrong is, uh evening, and there were a lot of people so I assume probably like about seven on a friday night because that's where you know you're like hanging out with your friends stuff like that and we are at Somerset so might as well


just head to the shop ah , ya just check it out okay so then when I went in, like, there were like so many people and then like there were these people at the counter or something with holding their ipad and they were like , giving numbers or something I'm not sure ah I'm not sure what the hell they were talking about


, ya ya ya ya they were they were the the fruit staffs the fruit staffs, ya ya ya so, then I was like I went up to one, and then like, uh okay first I was like looking around the products uh what they have and all that then I wanted to finally ask for like


uh professional help lah so I went to this, staff and then like when I went there, then I ask like eh uh so I'm like interested in buying an ipad so at first he was like okay okay uh so what you what are you looking for and stuff like that, but then again he was like


not really interested in, uh, ah legit attending to me per se like I'm not sure whether, he's supposed to attend to me or like he's just a counter guy or like he's the one giving numbers or whatsoever because he have the ipad on his on his hand or whatsoever ah he just so seem so bloody hell


miss like messy and like, like messy ah then , I don't know lah but like he just, like doesn't wants to attend to me so I'm like okay fine nevermind it's okay, uh I go I'll go to someone else


then, uh everyone was just like, pack and, I didn't get to really, uh get, like get attended to one lah so basically I just after that , I just look around the product then I basically just went home and


like go to the website and look and just search for myself lah basically so I just got the latest one lor , which I'm not complaining it was it's it's okay lah it's nice but, the fact that like I didn't, attended to maybe because like I look like a kid or something


uh I mean everyone there was like kind of like looking like, like adults lah basically like they were like tall I'm I'm I'm kind of short, so, uh I think like with like one friend or something or two, I mean they they might seem that like you know oh these these guys they are not like


interested or they are not like serious about buying, my like, like buying the stuff or whatsoever so as in, like because we are out there we were wearing like casual clothes we're like looking like teenagers so, that's where I feel that, like, I wasn't attended to properly lah


ya, ya and like because there's it's packed so it's at night so, there's like a lot of people to attend to so it seems as if I wasn't one of the priorities that they have to, attend to because like, when they see an adult coming in the chances of him buying is higher than me because like


to them I might not have enough money or stuff like that so I'm just gonna inside the store to to have fun and stuff like that lah but that's not the case like I have money I want to buy, , but ya , , ya that was my, Somerset fruit


bad experience, that probably I, as in probably I went there at the wrong timing or I'm not sure lah I don't know lah but, whatever bought already so


!oh! had !oh! [orh] random okay


!oh! I need the category okay


okay like this type of people they hard sell lah the insurance people all this like they try to hard sell you


!huh! !huh! what


she's shoving the insurance down your throat eh take it take it, uh I'm studying, and it I want uh


might as well don't even get it right


interesting enough after she hard sell that shit and like shove it down your mouth, take it take it take it man


, what, eh cannot lah these people


so should sacrifice my #kway teow goreng# for a second ipad eh


I it's quite common lah okay but because honestly I feel that uh I mean insurance agent are getting money based on commission so if they don't sell, they don't sell they don't earn so either way, some of them like, need to hard sell which I feel that is not really


the way to go lah I mean I've been uh approached by a lot of insurance agent and like some I don't know some I know but they like, die die want to hard sell you kind of like, seeing like even if you say no then they'll be like eh actually no lah need this need that you know it's for protection and all now like COVID ah then like I was uh


you know being ah what ah, like they were talking about COVID lah basically like oh you need all this stuff and down like that, but, okay lah if need is need but if I don't have the money then how am I going to buy right so I mean yes as in this insurance agent


you got to take no for an answer lah like you know like you must know at some point of time, like, even though I know about it but I just can't afford it lah that kind of stuff or like


ya I mean why do they care, of course lah of course I mean they will understand you what ya


ya ya it's kind of bad lah


no it's about different things it's about, it's about you want something but no one talk to you but you is, you don't want anything about people talk to you so it's like, ya different kind of stuffs


have your measurements lah basically ya


okay okay the like the the shoulder edge of the thing right okay


wait how wait he he did,


okay but no but did you even ask him like !yo!, why is my shoulder it's not even at my shoulder length but it's like


the sleeves ah the shoulder


it wasn't it's not even right in the first place, it was it was ya it was wrong on your part


this one you you you tell him we didn't guarantee your safety also ah


, [orh] okay, okay okay okay


uh, for food and beverage as in I would say canteen food ah when you were in secondary school eh


no you don't pay two dollars okay okay do you remember kaho, okay that dude went to the general office and complain about the malay food, like, yes he did he went to the general office to complain about the malay food saying that uh there's like


how can I pay this for this amount but when I saw it it was really bad lah I mean , ya I think he paid if I'm not wrong four dollars or five dollars if I'm not wrong ah if I'm not wrong ya ya ya he paid four dollars or five dollars


no lah okay K K basically K I forgot what's the price but basically, even I myself when I saw it it was kind of like a, ya ya the price the price doesn't match his food so I was like, damn like I'm not sure why you get that kind of a service ah


ya but I mean the fact that he went to general office means he was really pissed about it lah, uh during secondary school so, uh I mean, whenever he, I know whenever he went to the same stall


he will get a bit extra cause cause the cause he complained before what so, but sometime eh sometime actually I I myself


find that, the the amount of like , food they give was kind of little lah, as in the portions are quite little, but I'm not sure about uh, now


canteen secondary school lah, no lah not sure you're paying two dollars lah


there's only one store that we went so, ,


uh, I still don't know whether it's


I mean I got the fish but I'm but the, but the oil lah I not sure okay wait wait wait I'm not sure whether it's the gravy or the oil, but the gravy was damn nice I still can remember, okay okay but basically


the malay store was damn long ah the queue and I couldn't take it, okay I don't I didn't really had a good experience from it


uh I think is about the same price I think it's ya it's questionable but it's about the same price I feel, but the amount of portion they give is definitely little, because, I think maybe because like they see like school kids they don't eat as much and stuff like that I don't know


ya lah definitely lah but I mean I'm not sure whether is the rental or like they just want to suck your money ah but you may never know what what this kind of people are thinking about but okay lah !oh! ya


positive product review, okay uh so you wanna start Zul uh talk about any positive review that you had


uh wait let me ask you another question when when you went to this particular store at Somerset correct or not Somerset , , K K the the store was it a lot like there's a lot of people or


there's like not much people so that's why he can he is able to attend to you


as in uh


like get it like one package and stuff like that so might as well


but when I went to that particular store at Somerset , there uh ya at the point of time it was quite, crowded I wanted to buy an ipad, , no no it wasn't reason eh


think it was two years ago ah, okay lah but I mean K either way when I went there like, I wanted to buy an ipad I was like asking around and stuff like that but I wasn't attended to ah which I feel kind of annoyed, so


we have different experience I guess different experiences


basically I was just wasn't attended to ah and like no one no one give a shit about me, like I think like they look at like eh, it's a small boy walking inside the store, probably not going to buy anything, but I wanted to buy the ipad lah but okay never mind


!oh! okay okay uh, I would say, uh the one particular experience that I had was when I went to this hospital at Yishun I


ya I had a surgery on my right shoulder, , uh so basically, what happened was I was playing rugby then I tore my shoulder so, I went to this hospital


and like the whole, experience was uh quite good I can still remember it vividly even though it was like, about , four years ago ya as in the reason why it was good and all is because okay first off the nurses was kind of nice like the the counter the nurses inside the the room whatsoever lah they were always like


there like smiling at you they were never like uh, ya ya service ya the service they provide lah I'm not saying anything but just saying they are nice lah nice people they look at you they smile like okay okay ya and like uh


ya they were like you know !oh! like !oh! so your next appointment will be this this this then they're like they don't they don't uh and I couldn't see whether, any of them had problems with their own personal life because they were quite professional about it lah and when I went to like basically I I saw this doctor he was he was in charge of me doctor james


uh, he was very nice regarding like okay like these are your options on whether you need surgery or not or like , uh what or like where it went wrong or like uh maybe we can do a scan first and like you know that kind of stuff lah so he gave me a lot of options and eventually


he he like, advised me that uh, having surgery will be beneficial lah I mean because it's already torn and stuff like that so, like and like, ya having the surgery was good lah so okay basically I had like the surgery and stuff like that


uh the appointment was kinda long I mean it's public hospital lah so, , the appointments were quite long but that's like nothing we can do about it but other than that like whenever I go there, people are nice you know there's a old like stand here stand there and when I had like after I had my surgery the doctor came by to like look at me like eh so like how you doing and all like that stuff like that uh #blah blah blah blah blah# and like


he was telling me !oh! okay do this do that do this morning exercise so then after that uh, he told me that I'll be seeing a therapist lah so he won't be seeing him again but the fact that he actually came after like he did the surgery on me shows that actually he he kind of cared for his patient lah I mean


then again the doctor don't have to look at you after you are, finished because done with the like operation lah because they already did operation and you are I'm like I'm I'm I'm able to discharge lah so basically what whenever I can make I I come back is basically just to see the therapy to strengthen my shoulder back ah so


the fact that he came shows like uh had a good experience with me lah it's like eh you know this guy's very nice and all, ya, we've been during my stay lah basically at, this hospital at Yishun


okay as in are you talking about doctors or the nurses


uh as in I would say that is the nurse's job per se like, like, uh okay do you need anything then here and there and stuff like that , but other than that like I did like I personally didn't had any special requests lah so


I wouldn't know whether the nurses went out of the way but I would feel that they are like doing the job well as like they are supposed to care for the patient, like that's the the nature of the job so,


ya so they have to care as in they are they need to care for the patient so whenever like they go around, like asking asking and stuff like that I feel that that's part of their job but, uh in terms of going out of their way that's probably like small and bits of pieces of like their


their what special requests they got from other people might say maybe like oh need extra bedsheet extra pillow, stuff like that like they do they, sorry excuse me like they don't have to give it to you but if the patient asked they can actually just reject saying that oh maybe we don't have extra or like oh I'm sorry ya that kind of stuff that kind of stuffs lah so


I didn't had any special request so I wouldn't know whether the nurses went out of the way or not but, in general when they interact with me they were kind of nice lah , per se like ya like they were happy like doing their job, from what I see as in from what I see, from what I observed but whether they actually like the job and all


that's another thing lah but ya overall it was, kind of nice for at the, Yishun hospital ya just saying


and you don't earn anything from it, ya that's that's the


it's quite nice lah having fun, uh I mean, !yo! if you if you wanna have a topic I would definitely talk about food lah


, , uh well okay if you want to talk about like, uh the, worst eh as in the most uh the most like how to say bang for buck


that I would I would definitely go for #saap saap thai#, do you know #saap saap thai#, you that one okay that's my favorite lah I mean K the the fact that you can like pay , seven dollar ninety cents for like a


a noodle and some beef and like, the amount of bowl and, food they give is just like this whole chunk ah I mean I eat a lot I'm a fat boy, and like, the amount of food they give you is just basically would make me full lah I mean I'm the type of guy


ya it's good that's why, no no no no no no no as in it's good and a lot that's why I'm saying that's the best place #saap saap thai#


yes definitely okay if you're talking about okay if you're talking about quality


it depends on my budget what depend eh I mean eh, my own, my own choice ah what, ya lah


ya and it's quantity also so plus the size yes okay, don't change the price for me okay you bloody hell , okay okay K K K, okay the, okay uh


uh have you went to #malayan council# definitely right, but why people still go there


it's because of the free stuff that they give out, ya quality of service they like , they give you free cakes for like apparently for for free ah because they themself know that , the food is so expensive but yet


people still come because they get like oh I get a free pandan cake or I get a free sides I get a free upsize


I mean maybe people go there just to taste the food I mean the price is not set by the people what, by the it's set by the owner,


uh


okay or maybe that's their go to kind of motto like, I have overpriced food, but I give you all free stuffs so like ya but you get freebies so the freebies maybe is the one that , like, like uh pulls people in ya I mean that time I was eating then I like get free free stuff ah I mean


I mean I'll just take it lah I mean it's just free stuff what but whether it's like expired like gonna expire or like uh it's getting bad that one I don't know lah but I mean, I still get free stuff so


ya ya ya oh, I'm not sure about the key in lah but I know that they will say oh it's complementary or it's on the house but I mean the fact that, they can do the fact that you can do it is because the price is so expensive and like giving away one free stuffs is okay to them and it's like


ya and it's like uh they're still reeling in customers with all these freebie and stuff lah I mean , ya in in my aspect I'm paying like, fifteen dollars for a price, of like noodles per se maybe but I get free stuff so like I wanted to pay for the noodles but I get a free stuff


but to them, ya it's not even on top of what I want to pay


ya I I can agree so maybe that's where , how they sort of like build their brand from, like from last time I guess so word of mouth, basically I knew about the place because of word from mouths ah, basically oh excuse me


ya and ya but if you are talking about food and all like uh basically malaysia food is the best ah, , eh I can eat, ya K yes


, eh eh if it's cheap it's cheap man I mean like , it's a good thing is best experience ever whatever you're paying is like like divide by three man so you basically you're just like having the time of your life over there


okay am I supposed to say this !oh! shit, I don't know, !oh!


okay uh ya actually I wanted to leverage on this also because uh I understand and uh appreciate where you're coming from also but uh okay I come uh okay I do my own investing and trading at my own time also, and uh ya when I first began I did have


uh some uh prenotion that there was a gambling element to it lah but the more that I uh carried on these okay like these few activities right I realise that it was more of intelligent gambling ah cause very strict uh investing for example there is uh


like the vast majority of it will be fundamental analysis and so you do have to understand what you are getting yourself into lah and investing in itself is a skill so you will have to look at uh what industry you are investing in your time horizon, and you'll understand a bit more about yourself and where you want to uh put your money in cause it also depends on your risk appetite lah then on the other spectrum it really depends uh okay let's say about trading people would say that it is more uh


of gambling as uh okay that markets are really volatile ya but this may or may not be the case because to to some people who are able to work on leverage then they would know that uh, ya uh that there is a certain risk profile that they can take and they are willing to risk this much of their portfolio then on top of that also uh I think it all boils down to risk management because especially with trading and with leveraging uh as long as you calculate uh okay you are risking about let's say two to five percent of your portfolio and your you


are comfortable losing this amount because there's a risk to reward ratio also then so if you were to enter a trade and you're comfortable losing this amount then I would think that uh okay you've done your part already so ya it's, more of an intelligent gamble you're making an intelligent prediction lah so ya that would be my rebuttal to you Iman


okay fair uh fair game fair game uh ya actually this one I have to agree with you but more particular for myself is okay uh okay like the main question or your main question was uh what investing means to me lah and I'll think uh to put it in a more conceptual manner right I would think that uh it's


uh me making my money work as hard as I do, cause uh in a sense uh okay like uh warren buffet will usually like end off his presentations with this quote uh if you are only making money when you uh when you're actively working then you will have a problem when you enter retirement lah ya so


uh for me investing is a second stream of income lah some passive income that I can uh have which uh ya technically is just like a secondary source of income which I can rely on maybe not right now uh probably when I'm in my forties fifties or even uh upon retirement lah and the key here is that uh like


especially for both of us we have a longer time horizon ya so investing is probably I mean it's just working or hustling more now so that uh I can reward myself in the future lah ya then uh ya I stumble on this instagram quote also like uh if you invest today you are buying


one day for the future where you don't have to work ya so I resonate with that and ya to me that makes a lot more sense lah, then of course it leads to your next question is whether you should invest with a financial advisor or not and, okay uh I don't think this is a yes or no question I think it's more subjective depending on person to person because uh I've met people who follow strictly to the CPF rule where it's uh okay uh CPF guideline where it's fifty percent of your


net income is uh dedicated to your needs and then twenty percent for your luxury thirty percent for your savings and investment ya so for some people who are okay for the majority of the people that I know who follow that I think they are on a very good timeline but of course like the remaining thirty percent


!oh! sorry the last thirty percent in terms of savings and investments uh I do realize that uh a lot of people like our age have this issue of not understanding which instrument uh or which financial instrument that they should put their money in lah which I've


I think you wouldn't know until you really try out because of course like with savings uh you would, okay like uh sorry firstly you would want to understand your risk appetite lah cause with savings you do have a more conservative risk element but of course like the duration may be an issue for some and then uh on the other hand you have investments where uh it's extremely volatile but at the same time it gives you some sort of flexibility and


of course to uh capitalize on uh you know moments such as the pandemic it's uh it's of right now ya so I think it's really important to understand and if you can voice this out with a financial adviser who who I would think is more


more eligible in this element given that it's his professional job , ya then I would think that it's more beneficial lah because I think uh ya from my own personal experience like I did do some uh investing trading on my own and I didn't really understand until uh you know I had a mentor or a manager someone who could uh guide me along the way lah and ya like I can voice out also because uh ya if you were to read on your own


I think uh it may or may not make sense to you and then if you're if you are not able to explain it to someone then it kind of tells you that you don't really understand it lah which was some problem that I had ya


okay okay okay okay


okay is it okay, okay uh okay fantastic okay ya so of course ya so in conclusion I would think that uh ya, it is okay especially for people our age like undergraduates or students who are not so sure about uh which uh financial instrument they should be using then ya I would recommend that you


converse with a financial advisor then understand a bit more about your risk appetite your time horizon then you'll know which uh tools that you should be using ah, ya so actually uh ya after some of this discussion right uh I wanted to ask you also Iman, like uh


okay what like, are you are you familiar with investing like uh like whether it's a yes or no like would you, like how would you carry on like once you graduate


it's okay no worries bro uh ya are you familiar with investing like okay like if yes like how do you start if no then is there any uh is there anything that's preventing you from starting


okay okay uh fair question uh okay uh I think like one a very common problem that our students have is that we don't have a main source of income lah so like what uh I do for myself is to keep like the bulk of my money liquid, uh so like you know in case uh there's an emergency uh I can ya like there's nothing preventing me from from taking it out lah but at the same uh like at the same time also I will use certain instruments which are you know at at least give me a highest it uh


sorry uh a higher interest rate lah so maybe right now for, okay for let's say for a person who doesn't have income I wouldn't be putting it into, uh uh endowment plan or whatsoever but most probably I will use things such as uh savings life or a etiquette savings plan


or uh standard chartered jumpstart account because like these three products is very common amongst, us university uh sorry us undergraduates because they give you some liquidity but at the same time uh a higher interest rate as compared to either uh


more local banks ya so that would be like one option for uh the vast majority of us but then uh for those who, have a higher risk appetite and are more uh, comfortable


uh starting their own investments, uh maybe what you could do is look into some dollar cost averaging elements and then you can put some money into ETF or unit trust, ya so that you can you uh you can ride the the market groove also lah, ya so ya just put like a nominal amount and just get a a bit of flavour of uh you know what uh financial instrument you're comfortable with


wait uh let let me clarify uh clarify that the stock market is not the economy ah, okay okay okay uh that that's a that's a very tough question there, uh, I would think that uh the stock market does reflect the economy though uh


okay uh uh I I don't understand the sentiments of this uh question because uh, the stock market doesn't fully reflect everything that happens in the economy but I feel that uh, you know uh let's say if uh okay let's say the president of the united states were to make an announcement then it will affect the


uh, you know the vast majority of the economy and that translates also into the stock market because okay let's say when #tik tok# was banned then ya its shares were affected so ya we can see that there is a there is a, uh


there's an underlying factor or sorry there's a there's a correlation lah between the economy and the stock market however okay I do agree to a certain extent also that it doesn't fully reflect the economy because uh, ya there are some things which cannot be fully explained in terms of how the stock market moves lah


like okay let's say ever since uh march zoom has been on the rise because uh like everyone is using uh zoom for their for their office discussions but then we would also believe that other technological companies will also increase but that's not the case what we don't see skype


uh or other platforms increasing as much so that's not fully explainable, ya, but actually uh Iman I would a uno reverse, and uh ya like what okay what what are your sentiments or thoughts on this on this on this uh statement


then it would it will affect lah, that's your take eh okay uh okay uh okay then okay following that right uh


I would also want to ask uh, okay actually, down the road when you do start working right uh okay like what would your plans be with your CPF money like will you like invest in it or


will you just leave it to grow until you like reach retirement age, uh of uh as as of now is sixty


ya, uh sixty five sixty five, uh I mean you can use it for houses for your like okay your ordinary account you can use it for your housing and for your children's education then your special account there's some uh invest like there's a guaranteed four percent


then for your medisave there's uh like you can use it for your hospitalization lah


to invest your money ah okay okay actually okay like okay in this case like I agree with you lah that because it's not liquid right uh or like or like basically that we cannot touch it that's we should do something with it lah but I think uh okay especially for those who are


uh, okay not self employed but uh, uh in the normal capacity of employment then uh cause they would contribute twenty percent from their own income and then another seventeen percent comes from them uh employer so I think like that we like we should take in


uh we should take it in our stride and, you know uh leverage on this lah then especially if okay let's say you're in your forties or fifties and that your like assuming your house is paid for or that you have money set aside for your children's education then ya like I agree with Iman that uh


that your money is just being left there and it's not growing as much like aside uh aside from the SA uh the money in the OA will not be growing as much as you expect it to so that you can carry on with this and do some uh investment lah, ya like a like a CPF investment scheme which will be adequate ya like in the worst case scenario also like maybe you can put in uh like dividend paying fund


or ya then ya that that will just give you some, uh, some nominal amount also which will which will be better than just you know uh parking in a vehicle wage ya correct correct correct, nothing nothing ya correct like at least it's doing something for you


if I have one okay uh


uh okay uh I was doing this okay like I was doing this very short article ah uh that uh ya I would invest the one million also but not the entire sum of it lah cause uh, uh I think like for uh like especially okay it's very it's very common for undergraduates to like experiment with their money to know like which financial instrument to put in so especially okay like especially for the both of us right we uh and like for some of our friends we do our own uh


form of money management and then I've incorporated some investing savings into my habits also lah so ya this one million dollars I would, uh you know maybe separate it into like a box of uh like three separate boxes one fifty percent twenty percent thirty percent so maybe like thirty percent I would do into some like savings or investments ya then in in that case like if that when like when the twenty percent runs out from all my luxury spending


then you know the thirty percent would have grown to make up for it ya because I think like the way like we were to manage it now right like okay let's say we have to manage a thousand dollars uh, okay like uh like I I I speak to quite a number of like


forty or fifty year olds and they say that !oh! if like if I have if I have like ten thousand dollars more then I wouldn't be in this problem like in this financial problem that I am in now lah but, uh ya the article that I came across also like it has actually stated that the way you handle one thousand dollars will be the same way that you handle ten thousand dollars or hundred thousand dollars cause it's not so much that your habit changes what is like your mentality is still the same it's just that now you have like one additional zero at the back


so if your habit is not on like investing savings or you know like uh portioning out your money budgeting your money then of course it will be a similar problem just that now you know you'll be crying, you know like I don't know a ferrari, like after having a million lah ya what what what are your thoughts !oh! sorry


negative experience, uh is it okay okay is it about a fruit bro


check it out lah ya


wait as in they they they were the staff or they, the fruit staffs okay


okay okay so it it it may or may not be him lah


but but you you, you were you were with friends right bro


they thought uh you thought that they thought they weren't serious okay okay


to to purchase okay, hahaha okay, uh Somerset fruit negative experience okay


problems all


uh !wah! mine okay mine was a bit different in that that I don't know how the person looks like ah cause he was like uh like was one of those types of uh you know those insurance cold call, like you know like okay like ya to to to call you to


correct correct correct ya so it wasn't someone who uh I knew personally lah then uh , ya then uh okay cause cause like I thought usually this this type of thing is like it's just to ask you know like to meet or whatever but she just like she asked for my name then she immediately told me about how I needed this new product


which was some uh, I think was a hospitalization payout lah like ya so like she just like, like uh Iman I know for a fact you need this #kway teow goreng# like I don't know anything about you but you need this #kway teow goreng# ya then like should ya for some reason then she's like she started talking to me about the price and how it was lesser than uh one dollar per day


then she started scolding me about how about how I couldn't, then like if she go she ask for my favourite uh like my daily item then I say oh I usually have like a #kopi C kosong# every uh day like can be for lunch can be for breakfast and then


cause like I I I was saying lah I don't really see the need for it cause, most of my uh insurance is like kind of handle already lah like I have a family agent uh like even as a student also like uh some I have some protection through the school lah


ya so if anything were to happen in school like there's coverage already, then like uh she say uh no lah, no as in that was the explanation like no so, she she started telling, me about how uh like things can happen outside of school which okay make sense make sense but I was just saying that uh like the bulk of my time is in school but at the same time like I understand uh something


may happen like let's say on a weekend where like like is is is really possible what ya then she started asking for like what was my like essential item or like essential drink that I have on a like everyday then I say okay ah #kopi C kosong# ya so like saying like oh sometime like I make in hall or sometimes I buy from the canteen which is like sixty cents a day


ya then she started scolding ah like how oh so you cannot sacrifice this one #kopi C kosong# for your own protection, then I'm like !huh! but I just explain to you that I that I don't want ya then she's like she's like


they ya they have no but like I don't like I don't know you but bro imagine like I call you and I tell you eh this #kway teow goreng# like so you're not you're not willing to sacrifice like I don't know, like !wah! I cannot believe this kind of type of comparison ah like that was a


call to remember ah then then I was saying uh no cause uh okay because she got my contact details from the bank lah so like you know like how banks and uh, uh insurance companies right they will collaborate and then like I buy the numbers from you ya so ya that's how she got the number which we which okay which is pretty common and it's perfectly fine I'm not under like DNC list or anything


so it's fine lah so ya so like after answering the call then she was just saying that uh ya actually I have your details already so I will just proceed with this purchase then I'm like !huh! no I don't want the I don't want I don't want the thing then uh then I was saying uh


like actually I don't even want time to think about it lah cause I don't see the need for this product then she just uh no lah I think you no again her answer was no lah as if, she just outright rejected my reasoning ah is like


it's like uh Iman why why why, , uh it's it's like me asking you uh Iman why you in NTU, like okay why are you in NTU, ah no lah that's so ya so that's that's all she said it was a straight up no


ya then she like she was saying that I already have the details then uh ya I will just like register it for you lah then you can cancel on your own behalf so I'm like saying that okay instead of me going out of my way to cancel on my own behalf how about you just don't sign me up for it lah


because that makes more sense what then uh, ya then uh, like I didn't hang up the phone immediately lah I think that was my mistake then uh ya then she was saying uh okay I think like this is a heated argument, then she said she will call back again at like four thirty


I don't know why I actually answered the call lah at four thirty ya then uh ya so we had the same conversation then uh okay like interesting enough like she apologised lah, ya then uh lah like the


to have like shove it down my throat ah then then uh, then like but immediately after the apology her next question was are you ready to sign up now, , then I uh,


so what was the apology about then ya then she said uh then like again like no lah cause, like time was not the issue I just like, okay okay you already have a ipad then I like I'm selling you another ipad, like the same version


and like every time you tell me [orh] I already have an ipad and then I just tell you back oh no you need a second ipad why because, like because like that's that's the reasoning that's


for a second I correct correct like that was the reasoning ah then like uh I didn't know what else to say ah then I just say uh like uh, ya please don't contact me again then I I just hang up lah ya then uh like okay she was nice enough not to contact me lah but ya I think like is


uh ya some ya I think, based on commission ya okay


like, okay, ya you you need this okay okay, then ya correct correct correct like I like I feel that, it must


ya like, ya true true like it has to be within your means also lah like, like some agents are nice enough to like okay like I don't want to stretch you now cause if I get you into this policy


and then it limits you from like living a normal life then it's not very good on their part, ya, ya but ya but some of them are not like I think I think especially when it's your like you have a personal relationship with the person


then uh ya then they will be like they will be more understanding ah like cause like I I like I've experienced people who ya who are who are nice enough to understand where I'm coming from but at the same time like you said also like there were experiences where they were very uh ya like just shove it down your throat


ya so I think ya like I think I think the funny part here is that uh your negative experience was because no one talk to you ah but my negative experience was someone excessively talk to me lah, so it's, it's about different things ah ah


I don't want something but, I think !oh! uh okay there there there was one experience also like okay like this is not related to financial services already lah like , uh like I was tailoring my #hari raya# clothing


like this is quite a few years back also ya so like okay you know like how you if you were to tailor something it would be like specific to you what, like, it fits you like okay maybe the only difference is, maybe you lose a bit of weight you gain a bit of weight but more or less is gonna is catering to your


dimensions ya so like I I think I was like so me and my father both tailor our #hari raya# clothing ah like okay all the guys in the family lah so me my brother and my father then like for all three ah he okay the good thing was that he was very consistent lah


in his workmanship his tailoring, but, he was consistently bad lah, in that uh in that, no so like the sleeve like you know you know how like your your shirt is supposed is supposed to have the the this


sewing, ya correct ya so it was like it was like, here eh but then but, but but the sleeve the sleeve still ended at the correct place bro like here


to like we don't know ah then like my my my brother was saying like it's it's as if like, you know like how like certain projects, you just do everything on a google page then like okay Iman you do your part Zul you do your part, then we just combine everything on a google page then uh okay then just submit lah so like there was no flow to it so it felt like like someone did the sleeve


someone did the main body, then they just like sew together, and like okay it fits, ya so like the three of us were like uh ya actually it's a good cut and like it's a good fit but it's just like you know it's it's a bit weird that


I can see my shoulder there then ya, so then he was just like he was saying that oh uh actually if you want to do some alteration right uh it's going to cost you extra lah , then but, but


ya ya ya and then that was the argument ah then he was just saying uh ya but it's extra cloth that I have to use but then we were like ya but it's extra cloth that you incur because, the first job wasn't right lah, ya so like shouldn't this be like borne by you then he was just saying uh


like okay that's fair but uh we didn't like guarantee you anything also lah so ya you knew that when you, so, we just uh,


okay but to be to be fair he was an old guy so like we we we cannot do this kind of thing ah we can't do it like we cannot just surround him and ya so so ya so that was, ya that was no then also like it was during like fasting month mah so by right you're not supposed to get angry ah but uh by right fasting month also you're not supposed to cheat people lah but okay whatever so then then uh


ya so that was a it was a different experience lah then uh, ya so we wore that on like the first day of Raya of #hari raya# so that's quite funny, okay, we okay okay then now okay now I have to go back to, back to food and beverage ah


what's your worst experience, , no no no no okay okay but to be fair to be fair to be fair you pay like


bro no no no no no no bro I remembered the okay like the both of us when we ordered , two fifty was balling


like doesn't match ah like the price doesn't match the amount


correct okay okay okay


!oh! no but but does the store owner know that he complain


okay now now we don't know ah, but I thought it was I thought it was okay lah but again I was paying like two dollars maybe cause kaho was paying a like more, K he'll expect more, that's why he expected more okay makes sense makes sense


ya that was the only store we could, ya, no I remember you were telling me about how like all the malay teachers were eating from the western stall


and how it's okay for us to eat the western store but, I, I I think I think was okay I think was okay but like to each his own, to to each but I think no I but I think would


like if you get the pasta all this will be okay what


okay there there should no okay bro bro bro bro I've had I've, fair fair fair but I feel like now the problem right is


like uh I always thought of school food to be cheap, but then now, our food is like, to think of it like sometimes it's a bit more expensive than outside Kopitiam food, so that's questionable questionable ya about the same


ya so ya that's, ya ya that's the thing so that's, no no but but then the thing or like if school kids don't eat that much then you know you shouldn't be charging so much lah


like if I'm comparing your prices to outside prices ah means is


positive product review, sure man okay uh ya I think like one particular experience was uh this consumer electronics lah I that I okay I don't think we're supposed to say the brand but uh ya is the name of a fruit lah okay then uh ya so uh basically


uh okay cause cause like at that point of time like I wasn't convinced about like switching to that particular brand lah cause one was like the price then two also like you switching, like okay like I like I think you've seen the way I handle technology lah like not not very ya smooth ya so like when


like I thought like it will be a problem transiting from one brand to another brand lah then so like this was like quite worrying for me lah then okay uh okay disclaimer is uh I don't know if these people like work on commission or like it's an hourly rate lah but the way he explain it to me was like very like


it was very intricate lah like he wanted to know like oh what like what made you want to switch why are you considering this then like what are your concerns then he was asking me like I remember this very vividly even though it was twenty sixteen lah so I think like, that was how good that experience was lah then like he would he would like walk me through the steps all this like !wah! this guy


is a top notch lah I can't I can't remember his name lah but I think he was like a I think like he was a scholar for that brand lah I don't know ya so, then basically ya he was he was, elaborating everything to me then I felt like he ask me take out my phone also like he wasn't going through my phone lah but he was asking me like oh if you wanted to transfer this particular data it has to be done like strictly at the start if not uh the OS already works and then like it's running on its own then like you cannot transit anymore like there's nothing that you can transfer over from like


uh let's say desktop to the phone and all this lah so it's very critical that you do it uh this this this then uh like he wasn't rushing me into the sale also lah like that like that was I think very nice also like he said like you should consider this also then maybe you can read some product reviews on this website, then uh


ya then like try to figure out how, okay cause he went a transfer process also then uh I said like I was a bit uh, like shaky or unsure of the process also then he said like oh like if you do decide to purchase the product uh down the road then uh you can just come back to me then I'll guide you also like at the at the customer service area or like you can look for any of my colleagues so I think like the like he was really very nice lah he was like as if like


okay like you know how we do things for each other like we really go through everything about like it's it's not a it's not a like force kind of thing like we just want to help each other lah, ya then like it feels it feels sort of the same way lah which I think was really uh excellent service lah, ya so that is uh two two thumbs up on ya okay okay


, uh okay okay at this store at uh ya correct correct correct is at is at Somerset


!wah! okay I didn't I didn't I didn't consider that but I think like it wasn't so crowded lah, like I can't remember if it's a weekday or weekend but it was definitely like like the sun was still up lah so I'm guessing it's like before six ya then uh maybe wasn't that many people also but I think like


okay you know like how like even between the two of us like okay let's say like I ask you too many questions you'll be like eh bro just like figure it out on your own lah cause like like after a while like we a bit irritated to just keep on like okay like this morning I ask you about laptop


like after a while also like uh like you need to see if it fits your budget what if not then you know there's like there's no point asking me so much also, which was I like I thought he was about to do that also but then like he just kept on explaining explaining explaining ya which was really very nice lah then he like he was he went on top of that also like I think like he was trying to


upsell me other items also, like, ya you know the service like, ya correct correct correct ya but I but I but I, I wasn't sure if he was working based on commission or whatsoever lah but uh like to me I thought it was very genuine


which was quite nice or maybe he was looking for a appraisal I don't know but it was it it was good it was good service it was good service top notch, to that particular stuff uh was it crowded


okay was this, was this recent or


different experiences uh okay okay okay then okay then in that case in in that case ah in that case uh okay then, okay so okay if you were to have a bad experience right that's that's because you can compare it to a good experience, so that's how you know that this one was bad


okay but but uh okay then what would be your example of a positive experience


uh okay okay okay


as in in in terms of uh the service they provided or, [orh] okay okay okay okay okay, okay, just to to clarify to clarify


okay okay but but okay like let's say on top of like the doctor himself right, uh okay like what would you consider is like Macam uh so out so outstanding about like the nurses, cause


the the the nurses the nurses cause okay like like it's very evident Yang uh that the doctor went out of his, way to care for you, but the nurses was it the same or was it uh


we don't have an right right now ya, they were okay about things


!oh! I think like I I wanted to add like one more point lah, because like I just saw the like there were financial or insurance services also then like I think like from my own, uh family's agent right like I think like last december we went overseas lah then we were looking for some travel insurance also lah


cause like, uh ya you usually want to you know have like have some protection for yourself also then uh ya like our particular agent was nice enough to like, okay no no cause she works for a local insurance firm lah, then uh like she she was nice enough to like compare across the board


then she showed us like for this amount of payment you get this much coverage then like even the one that she eventually like recommended to us also is like not even, her own company's one so she wouldn't get commission lah but I think like I think like what's important here was that uh we trusted her a lot more lah cause like the relationship building was really very good then like you go out of your way just to find something that's cheap for us


ya then it's, like you don't earn anything from it like I think that's very sincere which I think is like quite rare now like like okay like we'll do things for each other because like we know each other what then like we like we know each other for so long then like it's very natural for us to to care about each other lah ya lah we're like Gucci gang lah but I think like for okay like she is she knew us for quite long also lah then


like we were okay with paying for her product, so that she gets the commission also but like the way that she was very insistent on like just, like you don't have to go out of your way just to support me ah like just do what's necessary, to


decrease your budget ya I think that was quite nice lah, ya but then but then but then, okay what's the what what's what what's another positive experience you have bro


of course of course of course of course no but you you are you are usually the guy who who recommends


yes of course of course


is is okay lah, okay wait wait okay K okay K but that's okay that's value for money, but in terms in terms of like


ya quality and like the taste, is it good because it's seven ninety or is it good because it's good


okay so so it's quantity and quality lah, uh, would you would you pay, eleven ninety for the same meal, then that's not quality bro


that, that's not !oi! caught you caught you there bro caught !oh! then no then it's just it's value for money it's value for money but


okay it's good cause it's it's seven ninety lah, plus the size, okay fair fair fair fair, uh, okay okay then what about


uh ya but you know like it's a, it's it's overpriced it's overpriced


okay fair fair fair fair fair the quality of service okay ya correct correct


ya but why why like that's my question like if it, if you know it's like expensive and you compensate by giving free food, why why not just lower the price


ya but sometimes like bro like sometimes the owner is there also, you know like like okay like okay if let's say you were the owner and I was a a like employee, and I realise that uh okay like it it may or may not be a bit overpriced then like I would voice out to you also then you as the owner can consider


cause okay if I'm on the ground staff if I'm like operation staff then I'll take feedback from from the dining in customers what, then they are telling me overpriced then I will like I I'll pass the message to you then you will eventually change also


true true true true true ya, I I I'm I'm pretty sure it's not okay okay cause, that that would be a legal issue no but I think like it's nice also like they sometimes they try to play it off like


they will say uh, oh uh complimentary, or sometimes uh like like sometimes they will serve like the like honey chicken wings like to the table then like we'll say like oh we didn't order then is oh uh oh someone accidentally key in ah ya so just take ah


complementary ya ya but I think is, doesn't affect so much


but I get like some like extra wing on top of it no okay but then okay, but like, okay you know like I think two stores down there's some like italian pasta store, like that has more crowd than the #malayan council# that's cause like


like if I was a first timer then I will look at #malayan council# price then oh that's quite pricey then I will, shop around then eh this is quite affordable, so I feel like like they lose some part of the market, simply because ya because oh it's


too expensive like I wouldn't know I wouldn't know the first time eh ya I get a free pandan cake


word of mouth okay okay


is but is it best because it's cheap or, it's it's because of the price it's because of the price bro, cheap cheap is one of the is one of the qualities


part one finance,


wait ah I cannot hear my mum that's the thing okay hello, oh uh, I'm not doing any savings at all because


I'm not working and I have no money , (uh huh), I will when I have money uh


uh , ma how you manage your CPF savings


I don't have I don't have any CPF, when I finally uh when I finally starts having a proper job


okay I will start saving , financing, ma how you spend your money on


what do you think, ma do you have any credit card


what is the use of credit card


so should I have a credit card


how does credit card works


what about CPF, CPF contribution, oh so have you had any CPF contribution


, , what does, uh wait, invest do you invest on the money


so can I buy a gold to invest myself


during COVID did any during COVID did anything change uh the terms of spending money or saving


uh for now I just finding job first, then a proper job that I can stick for the rest of my life no not the rest of my life lah like for long term period then I can start saving then maybe I want to buy insurance also


but during pandemic it's very hard to find a job


there's a lot but there's a lot of people queuing for a job also


nothing just staying at home


ya, , ya been doing some side savings also but not a lot just a small amount


ma usually how much you save, the minimum amount


shh, when do you think, someone should had an ATM card


I cannot see anything I mean I cannot hear anything hello, but it's lagging okay now better, okay what what what was your answer cannot hear sorry


ma you can save your money inside the ATM card


, I will just just, then just have that one ATM card where you put your money inside the ATM card then you lock that card ma like you put that card where somewhere like you pass that card to someone


, what financial advice you


what financial advice what financial advise would, oh sorry what, save save for my future, save for


for my future for myself for my future family and maybe for myself if I want to get married, and if I want to spend my money on something that I like like go travel you know that kind of thing


if I had a job lah


limit your spend I don't spend on anything, , what do you mean


I will just spend when I think, , I just spend my money when I think I need like I need that something not that I want that something


mean like if I feel but usually I don't really spend unless I spend on food I usually spend on food, I don't spend on clothes


usually I spend on food food


no lah if I want to eat something I craving I buy lah, no lah some if I don't have money I don't save lah how to save if I don't have money


ya but not no no one want to buy how you want to, is difficult to up the sales nowadays because everyone is like doing the same thing, due to the pandemic


would you consider finding a financial adviser, for yourself, would you consider finding a financial adviser to plan for yourself


do you used to have a financial adviser


do we have any insurance, what insurance we have I I don't know about any insurance we have insurance, me how about me do I have any insurance


I do not have any insurance uh, uh uh


do I used to have insurance, no, I no what what what what I ask is eh what I mean is , , uh what is it called uh


why am I want to speak in malay I mean uh wait , I don't know how to speak in english wait , last time do I have insurance before


negative experience


food waiting is always, big though, when I'm hungry I don't like to wait for


I cannot hear anyone I cannot hear anyone, I can hear you but I cannot hear my mum, oh hear oh oh now I can hear I cannot hear like the voice is like


okay okay okay, okay okay, okay ya uh, uh oh the one that I don't really like is when I have to wait for okay when I'm like really super super hungry like really hungry


usually I can have patient with if that food is nice but I don't like it when I'm super hungry then when I wait for the food then when the food came it's not expect expectation like uh it's not nice, or it's too salty or


like it's just like not to my expectation that's the worst thing that and the the another thing that I also don't like, when, when my uh, it waiting time is another one then another thing is customer service then when we ask them for like how long they will say another five minutes five minutes then they keep on dragging with the time


do you know sometimes you have to read the review, no sometimes is is sometimes they follow their china size that's why they give you a measurement for you to measure


but ya, oh I still remember you bought uh for mummy uh what is it called pressure cooker then it came china uh as in china china, wording man uh the when the description doesn't state the description shows it was in english


oh I remember one thing uh mummy bought for me bubble tea, then uh it took it took us one hour


around one hour and half half, one hour and half minute like that then when it came my ice blended melt, like melt, like like melt, uh I because I ordered ice blended, but then it came watery not blended ice


so that was making me mad so I complain back to Grab then they give me voucher


do you have any negative product


worse, worse hotel experience


I usually complain I write a bad review about it I will like really sometimes it's like if a restaurant right I will just give a bad review on, google so the next custom like usually people who wants to go to this kind of restaurant or places they will they will put a review on their


on google so I will just rate so if I experience a bad, uh restaurant, or anything I will just uh, google review it like I will give a feedback, if it is a product like I bought it from shopee or any kind of shop


if it's a bad uh, if it's a bad one I usually just complain to them then they will just refund me back the money oh yah I just remember something I bought a dress, for me to wear


on my birthday, then they they say uh the bust the the the measurement is fifty two because my measurement is exactly fifty two, then when I when when the thing arrive and I try on it it it doesn't fit me then


the annoying thing that I don't like is about they cannot refund or exchange that's the that's the most, annoying thing I really don't like it


I cannot hear hello, anybody can hear, okay sorry I cannot hear


uh I don't like when, I don't like when like example I bought something, uh some, I bought something like aloe vera, then when I tested because when I open the package uh there's a slight damage to the bottle


it's broken so when I messaged I whatsapp them and complain to them they did not reply me till now it's been like five days I don't like when there's someone, or a seller, give a bad service I mean like I understand it's busy for them


but then it's like if a customer like texted you like for for more than five uh like if you did not reply back to the customer for more than five days that is really I mean okay not five days it's just if more than three days is already a bad uh customer service


yesterday who went mcdonald


just complain to the manager or the supervisor


oh I still remember where did we go uh, uh, I don't know where did we go but I remember, I remember something we went to somewhere in malaysia then the breakfast was so


it's okay sorry I cannot remember but the the but I know the food was not really nice and


the food is not really nice is another thing and the food, uh buffet is like damn little, like not worth your money for, I mean the hotel room is nice and everything but, but the food was so


not good if it's I can't remember where, oh okay another thing I remember I went to this salon beginning of the year, to to to, eh no not beginning of the year last year I think it's last year or or beginning of the year I went to


this uh salon to trim my hair, because my hair is long so I want to keep it short because I told the uh the the person to, to trim my hair and make it uh what is it call


[orh] layered but the person go cut everything straight and my hair look like, a primary three girl, primary three fat girl my, because my face was so chubby and the hair cut was like


really really like oh my god I I I want to get angry but I cannot get angry


ya I would not come back to the shop


positive experience


buffet


furama furama furama hotel


!wah! the food is delicious


!aiya! my birthday is coming up so we can go there, ma your voice is missing hello, I cannot hear anything


no as in


november boring why not we go this weekend


with Abang, uh buy aircon, at where like Kallang leisure park there


thirteen straight thirteen stages, thirteen stages


oh oh uh I don't know what is it called but something like courts but it's not courts it's a discount mega discount mega mega discounted


ya I go to the no not zoo is river safari, uh I go river safari with my uh two, cousins the crazy cousins uh it was fun, it was tiring but fun after that we go after go river safari we go to jewel


we go jewel, because there's fun things to do, we go jewel we go where we go ah uh we go to the uh bouncing trampoline, we go bouncing trampoline we play the trampoline


then after that we go eat we go eat then after that we hangout, then we went home ya but with that but then uh, we are going out again but don't know when


no it's mummy's birthday, it's uh oh shit what is it called, uh it's uh kitchen


ya the food was affordable, and it's nice it's delicious


oh go with Kakak it's a japanese restaurant, ya but a bit expensive, ah then we can go again lah


ma I want to go snorkeling, at malaysia, ya we should go again tell mummy we should go, snorkeling is fun, it's nature


if if we never go malaysia let's go london then let's go to harry potter museum hogwart, oh go Bali ya ya go Bali go Bali


can we go out this weekend tell mummy, go anywhere lah restaurant on saturday please on my birthday


oh watch watch ghost story right is it the ghost story, ya we always go movie marathon we watch ghost story ghost


uh ya that one is at , oh plaza Singapura we got two oh that one with Yayee the parkway with uncle zach uncle zach


oh ya he give us the uh different kinds of products like which is the best one among all


oh ya that that also was nice


not really that cheap, is it the food is nice, they're very fast their service is very fast


around where, (ppc), our area have, don't really have good restaurant, uh but we have no don't really don't really have a good restaurant uh all restaurant is oh jewel always has a good restaurant


eh jewel staff is always


no so far we go to jewel all the, food is affordable, what


I cannot hear you the phone is lagging I don't know who's lagging


this weekend, because it's my birthday my birthday is always, there is always celebration, ya yes <B>


at the jewel restaurant I will recommend my friend, friends to go, it the one that we went with mummy, no I can recommend people can, recommend anybody to go


no we go carousell, ah I like carousell because the service is oh excellent, the food is also nice the staff is friendly, but it's a bit expensive but it's worth your money


straits kitchen at where ah straits kitchen oh mandarin oriental is it orchard


oriental oriental


we Ayah is buying TV, Abang is buying TV, the product is good oh that that guy he's nice because he suggest us which product I mean like Abang it meet to the certain budget then the TV is all like the TV is like technology you can watch Netflix you can watch amazon you can watch YouTube


no the air fryer can buy at #paya lebar# that one is cheaper what I tell you no we should get what should, we get at that shop uh fridge we need a fridge our fridge is like


(ppc)


#sheng siong# got giant, I like to go giant and I like to go to the big big giant it's fun I can go there like for two hours one hour


no Mustafa is annoying, Mustafa Mustafa is too ah of course lah Mustafa can get everything but the thing is Mustafa is too big and it's tiring and it's crowded and sometime it make me headache


ya but now with COVID situation, (ppc)


giant no giant giant is a giant,


the recent thing that we bought that I really like at, I always like everyday go home I look forward is the aircon it's always been the aircon because aircon ya, because the aircon is really technology the aircon I can just switch on my app then it's like on the way home


if I close my window before going out I always switch on the aircon first then when everytime I sleep I always on the timer then like it can switch off automatically so that's the very good thing that recently during COVID we bought that I like


beside food, do you like the aircon


!huh! since when we bought microwave, oh ya ya ya oh the black colour microwave ya ya ya


from china is it that one oh the courts one the courts one oh mummy's one is from


tomorrow lah we go you go and buy


part one finance, who start first


, Adik are you uh uh saving on your side, I'm asking you whether you are doing a saving for your side


you supposed to be looking for a job, then uh find like to, try to save as much as you can


well I just save by not, spending like unnecessarily, and then uh, I will just keep it as, much as I can what about you what is your no not


that you have CPF but what what is your what you call what is your motive of saving


but even then you should be looking forward to saving but, the smallest amount for your own use


when usually I will spend my, my money on things that are important I, I would not just shop for unnecessary, things especially like clothings, or things that is not important


the smallest amount the smallest amount that you save will, become big if you are uh, you know your priorities, in saving


no I don't I don't use credit card I don't believe in using credit card, because uh it's only a burden of debts, actually credit card is good if you know how to handle it but again if you overspend then you will burden yourself with the debts


I would not advise because uh, uh looking at you you don't have a proper uh a job yet, so it's not advisable


in fact if you have a credit card it's much easier for you to spend


credit card is uh is not like a what you call uh you have cash in your in your bank, that you can spend credit card is more like a, what you call uh you pay first and then you


you you pay first but you don't save so you have to spend your money before you receive your pay


CPF is for your CPF contribution is more for your future when you retire


ya I do when I was working so it's good that you stay in a job, that in one job that you can gain your CPF for your future retirement


in fact you should start young when, I mean in fact you should start working the minute you finish your education or should I say you graduate so that you can have more CPF in your savings


another way of doing saving for the CPF is maybe you can invest into insurance or maybe uh something like, more of a, life save life insurance for future


I do the last time when I was working I invest in insurance saving insurance for your my retirement, and also for uh what you call, medical insurance for future


and it does help lah of course, and another way of investing is by buying gold, for your future saving


gold is something like uh, usually the old people before me they use to invest in gold for future saving


of course because uh you have to be what you call you have to be more precise on what you buy especially those, not important things lah


because you will not know what will happen in future especially like now the economy is getting down due to the COVID you have to save more in fact


okay but uh it seems that she's not working so I do not know how she save her money I should say she should start working and then uh invest more on her her pay for, what you call for her future use lah


so what do you plan to do


ah that's a good, idea but again uh, it's better that you just grab whatever job you have so that you can start saving at the moment because


in fact I can see there is a lot of uh new jobs coming so, as long as as long as you're not fussy and then you are able to what you call commit yourself then it should be fine


so at the meantime what you doing, aren't you doing some uh what you call, uh, catering I mean catering of


food to earn money, can always have an option


where as long as you know how to yourself then you can save more


uh as much as I can have, I can save, uh at the moment, , I mean I'm saving but again, people around me keep using my money that's why I'm like


down with a very little amount


don't you think you should uh, pick up a course that, can, upgrade yourself to get a better job


uh ATM card is actually, more of a, easy way to spend money


okay when you asked me about ATM card, I should say ATM card is more of a spending money instead of saving because it's a easy access to it, ya but again it's easy for you to spend also


well if you have the strong will power to control your money then it should be fine, but if you're not the type who can control your expenses then it will be, difficult for you to save


what are your plans to save for, you do you


I was asking you what is your plan to save for, what do you save for


okay but don't you think, but at what expense that you say you save for traveling when you don't even have a job, but


in a way even if you do not have a job you can do always do a part time uh what you call catering or whatsoever to earn that money right, so what's your limit for


spending when you know you do not have that much money, what's your priority I mean I mean to say what's your priority in saving, for


I mean do you spend on your uh clothings when you don't have enough savings or


but you spend on clothes for what when you don't have enough, you should be saving instead, is that really important to spend on food when you have food on the table served by your parents


that is a wrong way of saving


that's the thing you should work out something to save, not necessarily you have a job to save but you can always do , like uh, something that can help you to earn some money, money


maybe by doing some sales, home based, home based bakery


have to be vigorous when you do the advertising lah


so even myself if I I I actually you know I'm not working but I try to save as much as I can, can and then uh, of course you have to be, be, sure of what you want


and you aim to have it


if you have that money maybe you can have an adviser lah because if you do not have then no point because it's not helping, you have nothing to invest


you should know your, needs, instead of your wants, when it comes to financial


because uh usually I will know what I need, not I what I want, because a need is more important than want


I do have a life life insurance, but not saving not that I know, because uh I think your father did not buy for you


yes you need to have one or should I say at least three


you don't all the while you do not have, because uh mostly my insurance was bought by your father, and uh, when I was working at that time I do have my own insurance


which is the medical insurance


negative experience, okay my negative experience whereby


when you buy food, and it they take a long time to pack for you, which is uh annoying I should say and then it's a waste of time and, and there is experience whereby we were sitting and waiting for our


food but it did not come as expected so what I did was uh, uh should I say what my husband did was uh when they serve the food we leave the place and do not pay for it and


uh we will not come back to the same, place and I mean like the restaurant or the coffee shop or whatsoever, another experience that I, will always remember is, whenever we want to buy food


at a certain place coffee shop, or something, after queuing for so long, they will say the food is not ready, which we find it very annoying with a queue that we waited for so long


(ppc) and uh, of course you will be very angry and you tend to not have to come back to that same place again


I I'm not talking, ya I give way to you , I give way to you


okay it's always a negative experience when you, call the uh what you call the telco company to check on your, bills or to even experience uh something that is lagging


as in your broadband or whatsoever so every time we call it's always the machine answering, and uh it's, it's always uh, what you call taking so much of your time, time, but again


I don't understand why they have to replace this uh machine instead uh machine answering instead of a people, and when it comes to billing it's always a negative, experience because they will just turn and twist about your payment


uh I have, experience talking to them explaining to them but again they will just put me on hold for some time and then after that


they will get back to you and try to what you call uh give, me a very unacceptable uh reply, as in the, the the thing was uh lagging due to certain things that beyond their control which I find is not right when they are supposed to be the one


that is handling the situation, and uh I have bad experience buying things online especially clothings uh clothings


because uh has whatever they show online is not what to my expectation lah I just, because uh always read the review but again when they say it's a plus size but when it comes to us is always not the size that we wanted it doesn't fit at all


, that's the thing, again, ya


, (uh huh), that's the thing but again we, do not bother to return it because it's a hassle to just call them and take it back


, usually when comes to food uh not all


that they send or should I say we ordered is as expected lah, most of it especially when you're really hungry because like uh like you know, hungry man is an angry man right so when it comes to the food where you have to wait too long you get so fed up


and turns out that, what you expect is not there, most of the time


now that we have, experience, with negative restaurants, uh, uh, product okay maybe uh the one that you said we bought the uh what you call air pressure cooker for mummy


and then uh we do not know how to use it, we have to get somebody to translate it to us, before we can use it


uh sometimes when you, what you call you buy something net not to your expectation, we will just waste our money instead


instead of going back to the shop we just throw it away whereby that is where we waste our money, so again, when you know that shop is not reliable you will not want to go back lah of course


yes where the hotel's toilet is not working


in malaysia KL, and and uh you remember we went to, Tioman where the, the the what you call the hotel was really very very dirty


instead then we still have to hunt for a new place to stay, which costs us more than what we are supposed to spend right


what do you do when you, what do you do when you buy something that is not to your expectation do you return it or do you what do you do when you buy something that is not to your expectation especially like things that you supposed to eat what do you do you complain to them or you


okay, there is one experience where I bought the thing and they were supposed to deliver let's say on tuesday but instead they delayed I was so fed up I call up the company to complain


the minute I complain they were not happy but again instead of uh, doing the uh delivery they decided to just refund me which is not in full


I was really angry and then uh I told them that I will not come back to them again, I can't remember what was it something to do with uh what you call massager


where I bought and then they did not deliver on time, I always have bad experience when I go to this restaurant they make me wait for so long


so, it's at Tampines whereby uh when we wanted to buy the food, they will make us wait for so long but instead of serving us


it's at one of the shop in Tampines, instead of serving us they will just uh what talking away and just looking at us like as if we do not exist and just doing their own things instead of serving us that makes me really very angry and I decided not to go back to the same shop again


no doubt the food I should say it's quite good, but again the service was lousy


Adik, your turn to say


okay uh yesterday we went to the mcdonald, in uh, we last night we went to mcdonald at uh E hub right, eh no it's uh what's that, E hub eh, it's not E hub lah E hub right


oh downtown east okay and then uh I was waiting, for the girl to, take my order, but instead she was just doing her own thing, so, I was trying to say hello I exist but she pretend that she did not see me


but in the end she just uh finish up with her work and then she get back to me, then after that I was like trying to tell her off, that you are in the customer service whereby you should be taking orders instead of doing your own things


which I find is not appropriate at all, okay and then uh end up, when I they they took my order eh she take some times, to really make the coffee and then to make me


come back and collect it later which I find, which I find is not, it's not appropriate at all, well I don't see any reason that they should be doing this lah, okay


again uh, I believe when you are in the customer service you supposed to be, prompt on the surrounding, not, letting customer wait for you or whatsoever, because that will make only make the customer run away


and not come back to you, okay, but again uh, sometimes we can be understanding, but if it's too much then, I would uh I would say we will not come back for you lah


for your service


well when comes to haircut you cannot do anything you just have to accept and then just not go back to the same shop again lah remorse well, things when you have negative experience when comes to food or places that you want a customer service when you don't get the the uh customer service you want then that's the only time that you go and then you will not come back again


positive experience, okay uh I have a very positive experience with my family because I love bonding between my families and then uh we used to have outings like uh going to


for a walk, in the morning sunday mornings and then uh sometimes we go out and eat at restaurant where we enjoy the bonding, Umairah remember we did the what you call the


buffet the last time with our family at landmark, and then we used to have a


uh Iftar at, what's that called asia asia flea market is it ah no no not Furama asian market, asian market every now and then with the big family around us uh every year we did that but uh some


kind of missing it and uh of course it was a great experience whereby the, what you call the service was really good and the food was really good


, (mmhmm) we looking forward to have another one instead soon, and uh, uh we used to have uh family celebration of birthday in a big group


, so, can hear


okay so usually we were, we will travel in groups, and then with families we are more of bonded families lah whereby we look forward to having each other around


most of the times we'll bring our parents to restaurant for outings, whereby we enjoy the food at the restaurant eh we are looking forward to another event soon


at one of this restaurant in november, this weekend we we don't have anything in mind yet, (mmhmm)


well like I said, uh, some of the service that we receive from, the rest uh the what you call the remember the where where we go and buy our aircon


the aircon what's that shop name, and then we just came back and then we just came we just go back to them again to buy our new TV looking forward to have the TV soon right


(uh huh), I should say the uh price for the shop what what's that shop name again, uh there is a restaurant where we eat the chicken rice it was nice


ya that's the restaurant what I'm saying is the one that we bought our aircon what's that shop name, Bukan to Makan, #kedai beli# aircon lah, the one we bought our aircon lah


uh mega discount, the service was good the the boss was quite uh


friendly should I say he gave us a good deal for our items right and then uh we always look forward to coming back to that same shop to get the discount, and after service uh I mean once the aircon was fixed and then the after after service was good


they get back to us to ask, about our uh what you call, uh the aircon and then how was it doing all that see, that is one shop that we can recommend to people lah I should say


Umairah where do you go where where do you have fun or should I say where do you where yesterday you went to the zoo right


why do you like to go to the jewel


oh ya I remember I, remember we went to celebrate mummy's birthday at the airport what's that shop name again Nangho is it, the restaurant


ya mummy Daz birthday, !oi!, (uh huh) it was good right the food and it was cheap right


[orh] , okay I remember we went with your sister in law to, what you call, the japanese is it korean, restaurant, the #paya lebar paya lebar#


(uh huh) the food was good right, eh I should say I don't mind paying more if the food is good, okay you Belanja me


, , so where should we plan to go this weekend, snorkeling but the we went that was two years back right


ya where we we always enjoy ourselves when we have our family around, go and find your work first ,


, go #bali bali# lane, , you said


okay I was telling mummy that we went for the movie remember the movie marathon with mummy, the last time maybe we should just do it again to have the fun of it yes we did the last time with mummy with your cousins


it was a good show, ya not really a ghost story it was a good show, no the last time we watched that uh what was that movie call


can't remember it was fun because uh all of us had, I was sitting in three rows right


not really it's at parkway, , okay, usually we will go out every weekend


and most of the time we are bonded family bonded, whereby we look forward to seeing each other and having fun


okay well uh I should say we went to buy the fridge for, #nenek ara# at Adik where are you