yeah I I I I I agree with that too as well because if you see you know one or two years ago the interest rates we we could actually get err you know interest rates from savings account you know one point, one point something percent two point something percent


no not fixed deposit like savings account like right yeah but now it's barely less then you know it's scrapping is less than one definitely cannot get one anymore so yeah but you know banks are cutting the interest rates across board


yes ya


but so that means that you know the incentive to to invest in other you know in have a investment strategy for all this cash is is important, so what would you suggest


what do you think of bonds, why okay okay


okay yeah I I got okay but I think I like bond because I'm probably more risk averse but ya I I agree with you that you know for err equities the returns is higher because the risk is also higher, ya


but I also think that you cannot place all your investments uh all your cash in savings in into investment strategies because err effectively it's also worthwhile to have some form of savings for rainy day so I think putting away say maybe err


forty percent maybe, would be good, forty to fifty percent of your savings were bare minimum lah to save for rainy days, ya


ya agree that that right now you know it's really uh tough very uh very tough situations for banks err the margins are sort of being squeezed err regulatory headwinds, and it's a, poorest market so if I think if anybody has a loan it's probably worthwhile to hang on to it given the the liquidity in the


market ya yes, and uh COVID situation is not helping , you see DBS OCBC UOB all got


bad loans ya ya ya okay so, okay do you wanna talk about, number two credit card, or debit card or or maybe and uh maybe number


number seven cashback points or, miles


I also like cashback cards because points yes you can redeem for things and miles I also hardly fly I prefer the real card hard cash money or cashback, uh I am using the CIMB cashback card so I get like one point five percent cashback


err I, for, uh for, all categories actually so one point five percent for all categories


ya oh how much for grocery


why you don't want get the cashback card from from CIMB, ya


you don't do online shopping ah, as much, not as much as me lah


ya I like Shopee so much, ya because for


for Shopee right I like to play with Shopee farm because I can farm like packet drinks that I get it for free of course like I need to pay for the the delivery fee lah but still it's it's still free drinks right


okay so, so do you want to , do you want to go to number nine, do you have a high yield bank account or a fixed deposit, if so share experience and details meaning features uh and name and features of the product


so out of all the all the savings account which ones which one do you think, err a person who wants, high interest to to, to invest or or to put their money in or should we put in fixed deposit do you think it's good for fixed deposit


so don't put in bank account lah, put put in, put in investment lah


from the singapore market lah then then the US market leh can buy, err options


okay but I think, no I do not trade err it's, ya cause I think it's difficult for me to to monitor all the different trades and you know the market moves very quickly sometimes it's very volatile so I think err


ya because eh of compliance reasons I also think that it's also very difficult for, for me to purchase any or to even open a a trading account and also to to make trade, ya but uh, ya so but I uh I think it's you know trading is interesting but you still I I cannot commit to the time and effort


to look at all the trades at uh all the time, ya correct, unless you unless you adopt a, a different lifestyle entirely so then then you sleep in the morning but wake up at night like night owl like that


ya that's why lor so it's difficult lah, but so, but what what do you like about option, in what sense


an outright purchase, volatile


any good stock picks for for, singapore market for singapore ah [orh] okay never


I don't have a trading account


do you think that's a good idea, ya that's true


expenses just keep increasing right, in these times , okay yeah but so singapore market is stocks


and then have you ever considered, err I don't know maybe other, other instruments, in, other instruments in singapore market, like derivatives or or options


what about the hong kong market


china shares leh, what about what do you think of the china market do you think because news say that they would actually go back to prove their growth will go back to pre COVID


uh levels, what's your take on that one, I think it's possible you know , ya ya


as you once said right if if the market uh is bad then the analysts just say uh, ya the market is really bad but if the company outperforms in the market then they will say ya it's better than, expected ya okay understand


so what uh any good, picks for US market just now you mention, privacy


okay, what about microsoft, can just buy and park there


do you think it's worth getting, stocks like amazon now, it's more expensive than microsoft ah, oh then microsoft leh oh okay didn't know that such a big difference


ya I know okay


so you have already got money set aside for investing, okay okay


would you buy insurance products like savings uh savings plan, but not good right


how many years more, [orh] okay ya


very lousy [ah] okay thank you


you start first lah


oh ya you told me this one before, ya like what


like those <mandarin>红星大奖:hong xing da jiang</mandarin> ah, kind star awards ah


ridiculous


but shouldn't the the you know the different starhub, err customer service department should talk to each other instead of, you know


and you mentioned that got different people call you also, need to repeat your whole story all over again, what for what what


ya ya


I'm using starhub also but so far, so far no problems but is just that the, I just feel that the wifi very lousy ah, like sometimes I will get disconnected or very slow, you know is very lousy the the wifi no I don't think so I think is starhub very lousy ya no I don't think so


apple is good okay, no lah ya on laptop ya ya


okay let me share with you another experience so you know that I, I always like to buy things from Shopee right, so, so there's this time right I want, I wanted to buy the velcro you know velcro is


one is the soft side and one is the hard side like, the, ah then stick together so so what happen was, that there's one time I I bought various stuff from from multiple things from one seller


and then, he they they send all the correct items just, that this velcro usually they will send out, two rolls, so one is the one side one is the other side so


then but, but this time round they only send me one, side so I tried I, I so I chatted with the seller, ya I complained lah then I say


usually there's two sides of the velcro but I only receive one side so I even, take, multiples photos, of, I I showed him one roll and then I, I even took a picture that is closed up so that the person the seller can see which side I receive but the seller actually act


blur act blur leh ya really act blur, uh maybe few dollar or maybe one dollar plus is like two dollar plus, maybe two uh two dollar plus lah, ya lah but I think their margin very low lah I think they just don't want to send another one to


me doesn't make sense ya, so they they they choose to act blur and then I even tried to like you know show other people's review and show them that you know they actually have two sides of the velcro and everything they just continue to act blur so I was very angry so I left just left a very bad review


ya but then because, I I, ya but but the thing is that you know I


for two dollar plus I I really I don't know, it's like, ya might as well just spend a bit more money and get another one, no I didn't ya I didn't next time lor


but I think that one is more worthwhile if, if we have a, eh if I have a laminating machine, ya ya true lah but if I want to


print things right while I print laminate so I need another printer also, so I don't have a printer at home ya lah correct lor so, but those now the laminating err


you don't need to have a machine you can just buy like a pack A four then you just it's like sticker like that then you can just put in between your paper in between and then you just laminate so no laminating machine needed so that one is something that I was looking at as well


but still if if I have a printer then, that would be good also lah ya but but I'm I'm going back soon to office already fifty fifty so no point


maybe I can print from office , ya , any others negative, experience ya, bad dining experience have you, encountered not really right


health wellness sports, clothes and shoes when ya then how (mmhmm) !wah!


that is like a is like a scam right, they just want to lock in your money take your money and then, so lousy (mmhmm)


that's a misrepresentation right, oh insurance okay that's true


so far not really because I only have, one insurance policy other than the the DBS one lah, so, ya so I I I I mean like I, and it's always tempting to buy those savings plan because they always upfront you know before they take your money and run away they always


paint a very rosy picture that oh that's on average you gonna get so much so much returns but you know at the back end I still err I kind of know that, that's not always the case and that's just a gimmick you know


it's it's not ya, so I mean it is still very tempting lah it's still very tempting but , I need to tell myself that you know probably ya putting, if I were able to put in, uh put in my money to in in the stock market I probably get the same returns or even better


so no point going to such err picking taking up savings such savings plan and then lock my my liquidity in ya, so, this because if you put in your money into such savings plan you know effectively you're only locking yourself up locked in with that cash right you cannot touch the cash and


but if you choose to invest uh in in the stock market then basically you can uh, pull out you know all all, take out your money at any point of time, it's there's more flexibility


ya so I guess that's a good lesson learnt, right ya I mean


ya you you you trust your own judgment rather than you trust other people's judgement and then , ya correct ya agree ya I also ya


but I think they it's, I think the government should uh you know should should come out and and do some, err explanation a simple explanation on how it works err or it's or maybe they have already just that uh we we we have not gone to the websites to see


it's very confusing ya agree agree


so so, so so, which one is applicable for, you know our age careshield ah what's the difference don't know [orh] okay


topic two pause, err okay ya, non debate so this is talking about a positive product review right err so you know


uh I like as I mentioned previously I also, like to go, uh buy and buy things from Shopee so you know they actually have this mustela, store on Shopee is all authentic products one lah so it's uh it's just Shopee mall so is authentic product the customer service is always prompt so whenever I asked them things uh over the chat right they'll actually they will actually respond quite quickly


and then you know I actually bought more than once uh from from that shop so it's always very well wrapped and then you know like recently I bought this cleansing gel uh it's really very good you know so like but


it's just that when there's one time when I buy I bought the cleansing gel I actually when I unwrap it right actually I saw the packaging was actually a bit different from the ones that I previously bought then I realised that okay but there's actually a note from the seller saying that oh this new these are new packaging and


you know some of the retail stores have not you know uh, have not started selling them and we are actually receiving ahead of, the retail stores so actually quite, ya it's actually a pleasant surprise lah for me at that point ya


so otherwise unless other you know circumstances where, err you know, there was another time where I bought toys online uh it's very very well wrapped they use like the air bubbles and the


the the very thick wrap air uh thick air bubbles wrap to wrap the toys to prevent it from being dent and I thought is really very very good, I will not I don't mind purchasing from there again


but is expensive lah the toys ya, ya cause it's expensive right no I bought it at twenty percent discount lor


no lah eh uh as in I I compared it to the other other, listing ya is, is to is maybe about the same, or is like then maybe like fifty cents more expensive only


ya Shopee oh


K do you have a staycation or or or the, staycation or holiday in a hotel that you think is really good, and you like to share ah ya ya !wah! so good ah !wah! !wah!


what about the service level of the, staff (mmhmm)


ya I I remember that I went to hong kong, once and and the I think I stayed at the novotel, sorry really can't remember what was the think was near the the buddha place ah I I can't remember what is it called


ya but, yeah but yeah it was good lah but ya the yes there was a cable car correct but otherwise I I re remember the hotel the the services the the amenities


the location was actually very good ya, but otherwise , otherwise can't really, pinpoint ah there was once that I went to, I think also in I think was


was it uh thailand no remember, I think it is it indonesia, ya


so uh, when there was this uh, time that I went there for like a private villa there's also a swimming pool there lah but uh I mean although the the, amenities you know there's a lot of privacy is like whole personal villa and everything was very good but


the unfortunate thing was that I think I fell sick, so ya I was uh had a I think I had gastric flu lah so it was ya it wasn't very, it uh I mean the uh the you know it was a very good holiday lah and in terms of the room facilities level of comfort location err food and everything privacy but you know it's just that I fell sick and wasn't able to


properly enjoy the session, ya, ya but but I think it wasn't the the food it wasn't as in the food that cause me a gastric flu I don't think is the hotel food I think it could be you know I went to the sea sea err I went to eat seafood at Jimbaran bay


I think so so on the way back ya I was like okay I don't feel very well, then the next thing I I started vomiting and having diarrhea and everything, but but but but still I think the hotel is is is still a very good very comfortable place don't mind going back to such place


after COVID ya , no I didn't see the doctor cause, ya didn't see a doctor because it was I was in a foreign land


so I just took some medication panadol and rested, ya no no no uh the hotel oh ya you're right yes that is a good reminder so ya because the hotel


service the staff actually you know when when they saw that I was actually not feeling very well they actually gave me panadol, or I asked for panadol and then they gave it to me so I think it was very, good ya


ya I didn't see a doctor, but, so so that was more of my holiday, ya agree ya ya agree


so do you number ten do you have any I think we have still nine minutes so , number ten do you have any electronic device that, you are impressed by it, correct so I mean as you know right err I'm a die hard iphone user


I cannot imagine changing to any other brands because, you know just just looking at iphone is so simple to use like the, when you when you, log in and you know log uh no not say log in but you unlock your phone you can see the interface is actually very neat whereas when it comes to samsung and other android phone I feel like it's uh very messy okay this is just personal uh personal


err view of course yeah I know that you're a you're a samsung user , uh eh ya lah I mean


app uh samsung is good eh I mean you know many years ago when samsung first, uh became very popular actually I was actually very interested to I was actually very tempted to buy one because the colours are very bright but then I realised that I don't really like the interface like it's very messy like there's widgets and it takes some time to get used to


learning to how to use it so but whereas that iphone is always very clean very neat very easy to use ya I mean the the price definitely, eh well it's definitely more expensive well okay I mean I think when it's first uh when it first came out the the price of a new iphone is probably very comparable to a new samsung but if you look at just purely the resale value I which I like


it's it's you know iphones generally have high resale value ya, and and if you look at iphones, it's, I don't know it just gives you a very clean and and neat feel generally, ya don't you think


ya what do you like about samsung then


when it first come out when it you know first new arrivals or new phones are not exactly cheap, is like two thousand plus also, right then buy a uh old second hand one lor


when your phone spoil lor, ya ya but I never use leh is it good that's true google pay lor oh ya do you think is worth


yeah do you think is worth buy a I watch, I want to buy I watch, how much is the samsung watch


that's okay older season watch ya


using it on daily basis that kind


samsung phone , okay ya but, would you consider using your phone to pay, like pay ya okay ya have ah google pay paynow best method ya


ya now due to COVID I think is still best to do cashless, no I use Shopeepay okay, Shopeepay ya


you can actually Shopeepay you can use outside, other than Shopee you know, no I think it's not as err comprehensive uh they haven't, tie up with various vendors yet but may be just a few


no I just top up the bare minimum is it don't know


give you cold hard cash it feels better


clap, part one finance, okay so serven can I just find out from you what are the savings account you have


okay so from which bank ah is your account, POSB is it, oh okay so can I know why you like POSB ah


it's, oh so you are using your so your pay is also from POSB lah but uh why don't you try other banks ah


no but I heard that this POSB the bank the interest is not so good ah, so why don't you try other banks lah at least the interest will be higher


no leh it's not all , okay because like myself I I like OCBC OCBC it's because the interest rate is a bit higher, yeah and then you know uh compared with POSB lah you know


so you should consider that you see, yeah, yeah then what about A uh credit cards ah, uh do you have credit cards, [orh] okay so also it's, from which bank


also POSB ah, (hmm), yeah but what do you think about the credit cards compared with ATM cards, [orh] ATM also I mean like the


, the other card also can right the NETS card you also can buy from online what, because I find that you when you use credit card, sometimes you tend to overspend


[orh] I see so you're what about I mean for the credit cards ah you still have this annual fee right, which can be quite a lump sum ah to pay, yeah [orh] I see


ya provided you remember lah if you don't remember then of course, they will just cut off, I mean they will just you know charge you lah for the annual fee


oh I see so do you intend to taking other bank accounts, in future not at the moment lah, okay uh then uh what about uh credit cards what are the various credit cards you have or you only have one credit card


only POSB ah, [orh] I see okay like myself I I, I took in CIMB card because there's no annual fee there so at least it helps and there and it also comes


with a lot of , nice ah rewards lah you know, so at times you'll also get some cashback, yeah so uh, do you have any uh experience in insurance


is it really worth or not to take this life insurance, [orh] I see so what does this cover this insurance which you took what does it cover


[orh] so if let's say I want to go and see the doctor I don't have to pay upfront is it


sorry what did you say, [orh] you can claim is it, [orh] I see


but then if at that moment you don't have money so it is no point what you max out you just , do you pay a lot for this insurance, [orh] it's deducted to medisave ah


oh I see okay so you only have one type of insurance is it, at the moment lah maybe I should consider this insurance but I've just okay what about going to see the doctors at the clinics does it also cover


private doctor so you only must go to uh restructured hospitals, [orh] , but is it really worth or not for that amount you are paying


!aww! okay yeah provided you are healthy lah, then, it's also a waste also what because they're deducting from your medisave, because nowadays no because


ya I know but nowadays the government have come up with a lot of medishield, you know all this so, I think it should be sufficient right, okay uh


ah no because I, I work in the hospital so my hospital covers for my insurance, so in a way uh, I I have that and I, think uh my medisave and medishield is enough, for my


to cover me lah you know, I don't think I it's necessary to take insurance lah, yeah, what about your housing loan your housing uh property, the loan ah, do you take from HDB or you take private


banking bank loan ah, oh why didn't you take from HDB the loan, [orh] so uh what's the interest rate like ah is there a big difference between HDB loan and bank loan


a lot of difference ah [orh] I see, okay, then your do you uh take insurance for your house


you took insurance for your house, it's under HDB insurance, no, no I'm referring to the things which is inside the house in case of, you


or you never take the fire insurance all that ah, or can I know the reason why you never take or not, non necessary ah okay


okay then what about your children ah do you give uh, do you, do you think at what age should uh I mean a child be given any ATM card or credit card, what's your opinion


fifteen years and above, eighteen years and above ah, but what if they overspend then of course the, the debt would be, paid by the parents right


oh I see okay, okay okay, so you have a joint account ah I come to know ah, so your, why you prefer a joint account and not your own individual account ah


[orh] you don't mind I see okay, do you have any fixed deposit or not I think the fixed deposit is, higher interest rate right but [orh] are you intending to to have oh okay


uh no but I might consider because of the high interest rate in future lah, yeah, ya I'm intending to save lah, my children I think uh I think


for ATM card is quite safe lah to give it to them, but not the credit card yeah, unless they are working then they will be responsible for their own, uh for their own finance lah, which will be easier for them yeah


it's not then everything what do you say yeah that's right


no ATM card also can be used for online what debit card, I'm referring to debit card, okay yeah but


you can put a certain amount what so at least you don't go overboard from there


I don't mind they take credit card lah but let them be at that age lah maybe when they're financially, stable and they're working, then I think it should be wise lah for them, I think they should be above twenty one


I don't think eighteen is suitable, yeah above twenty one, eighteen is still young for me lah, yeah yeah yeah


so about this credit cards ah, I wanted to do you have any idea or not about, the cashback ah, about from these various credit cards, ah


[orh] I see okay, uh yeah I do I do get it from my CIMB


and my POSB lah, yeah, like I buy stuff from watson I do expect get some special discount, and also some cashback yeah, you know, yeah CIMB also like sometimes they do reward or give some special


uh discounts, yeah and they also have some special lucky draw which they also let you know yeah I did I did win some uh, I think food juicer or something as a lucky draw under the CIMB so it's worth lah


yeah and plus they don't have any annual fee, so CIMB is really worth, yeah I I, think I will recommend CIMB the only problem is CIMB is not it's not all over the nation like


POSB everywhere you go, you can you can either see a ATM a POSB ATM or a bank you see under the POSB whereas for CIMB I think it's very limited, uh so I think yeah so the the banking wise lah uh you might have issues but using the CIMB credit card it's okay lah you know but to go to the bank of uh CIMB bank


it's quite it's yeah it's quite difficult lah this is, what my take is lah


get a what lottery ah, of course lah was put in my the I will start a savings account lah you know, maybe uh of, fixed savings account, because the interest are high, yeah


yeah so I will use that as a ible or maybe get , get a a landed house or something as a as a investment, yeah you know ah no lah


I don't think so lah, I don't mind, yeah because it's not like a investment you see


I can even rent out the the landed house and get some rental money lah you know which can be an investment on the long run , no I don't think so because you see ah when you buy the car it's not really helping you on the long run it's a loss


okay uh for a house the value is there the value is there for a car there's no value because after a few years ah what you pay for ah, you don't get what you pay for even if you manage to sell the house that also provided you get some money lah you know yeah whereas


for a house it's not like that the house the value is still there you see, yeah yeah but for the, yeah but nowadays grab you see everywhere you go you can get grab and singapore's uh transportation system is fantastic


everywhere you can go there's buses, and MRTs and I now, not only grab you even have ryde, and you even have gojek, so not necessary for you to get a car


and singapore is such a small country, yeah, ya lah no lah convenience, yeah convenience yes but you can always call for the grab what, it will also come what


they do have grabpay all that, yeah, no lah not so expensive lah compared to your monthly payment for your car, which can what go above thousand over


excluding counting the petrol the car park the charges, the cashcard, you know all that it can really hit nearly two two thousand, above


ah no I don't think so, uh, yeah so investment wise I don't think car is a good choice lah maybe house yes, for investment or maybe gold, gold also is very good because


the gold can never , go down on its value, you can always , whatever you pay for the gold I think after a few years later the uh you you can sell back at a very good price


you know so gold is a good choice for investment, yeah ah no lah, provided ya lah how to buy gold like you buy, ya lah actually it's good lah to just you know


but, you know yeah compare, keeping your savings in the bank I think you buy gold is better, at least because uh the bank interest is very very low, I don't see any uh I don't see actually


unless you really put in a million dollars then I think can see some money, if you just a few, thousand dollars the interest is not so high, you know ah


I think yeah consider gold is better lah, you know ah consider gold or maybe fixed deposit lah you know it's a bit better lah, fixed fixed deposit yeah so uh


anyway uh I I wanted to ask you uh do you have any loans or not outstanding loans, it's only your housing loan lah


housing and car loans lah or so in the midst of all these loans are you still saving any amount of money in your bank or you are not having any savings account


[orh] is it okay yeah there's yeah or do you pay for the financial adviser or not


[orh] okay okay I see I see


part three negative, product review okay, so uh serven tell me uh do you have any bad experience or not


in any of uh in any of the restaurants you visited in singapore, [orh]


[orh] did did anyone uh I mean even when you try to leave they didn't come and stop you or anything is it


so do you think is is it because, it's is it because, that uh they were too busy I mean with lack of or is it because due to the COVID that's why there was less manpower and you were not served, in time


or is it because that the restaurant is lousy, yeah okay


yeah maybe lah maybe some does but so far for me I don't have, any bad experience in any, restaurants yeah or, products yes , let's say uh, yeah speaking of my washing machine I'm very disappointed with courts because


uh I, no I will buy from harvey norman I'm going to drop courts completely because of their lousy , lousy , after sales service


yeah I bought I bought I bought a extended warranty for my washing machine and this washing machine is two thousand it's nearly two K and uh, I still have


okay I still have, the whole of this year to go, and uh last year it started to break down, so I called the service man he came over, and he just come and try to repair and he go off he come so far he came twice and I yesterday was my third time I called him


and uh, the way he he talks it's like, courts is not keen to give you a one to one set the disappointing part is this because when you go and buy when you when you want to buy something new from courts


they will encourage you to take the extended warranty and they will come with all these promises, they will hide all the small clauses and they will tell you that oh you know anything you can just get another new one, which can uh you know put which can actually in a way it's not true


because, yesterday I find out that I have to pay for some parts, and they're not going to give me a new machine they are just asking me to repair for the service and I also need to buy some new parts for the machine


so I do not know lah I my heart I decided already, that uh after this, thing I'm going to get something new from harvey norman, so this courts is a, big big letdown for me, which I find


yeah so what about yourself, yeah


yeah it's true it's true because it like my myself also uh when I try to call certain departments especially MOM, when you call MOM


then you should write in and complain, you should feedback so at least they can give uh a better so they can find out and improve their service,


you know I I had this uh when I tried to call MOM ah, there was an incident when I was waiting practically for quite some time, because of course as usual it was the machine which was taking all my calls okay never mind I waited for nearly twenty minutes like that


and then, just when I heard someone pick up the phone to answer my line got cut off, and that really really disappointed me, so I think MOM should look into all these things or


what other uh you know uh companies, uh engage uh in, wharf in all these voice recording ah, I think they should really uh look into it you know because, for the customer who waited for so long


and then the moment when they, need when they get to talk to the staff and the line get cut off can, really can really uh make one very angry, so I think they really need to uh check on all these lah


all these uh voice recording machines, yeah, so uh, do you other


uh no lah I think uh other other places like, I have been to , other areas like , buying stuff from shopping shopping malls


usually the staff are very good very friendly, uh you know, even ah to say the grab drivers are very nice, the grab drivers when they, they [orh] is it what happen


done by a grab driver ah but initial stage when you book the grab you will write in you will put in the address of where you're travelling right, so why did he pick you up, [orh] I see


for me I I had very good experience with grab drivers most of them are very nice yeah, yeah most of them are very nice, yeah


yeah maybe you or maybe you could have just let him know your request,


no restaurants for me all is okay lah so far I I'm, I'm okay you know it's just that at times when, it's late, facial products yes definitely there was once I received this


this , you know they sent me a email to say that uh I've been chosen to come for the free facial, so I decided to go, and uh uh, you know this uh facial lady approach me


so uh before she do the facial she's started to, uh sell her products which I was not keen in, so I told her I said uh no I'm just here for the free facial, she did the facial, she did for me the free facial but she did such a lousy job


I mean she was she was very disappointed because I didn't take her package so she just yeah so within a few minutes she just do whatever is necessary, and uh she was not even uh I mean she was


uh I can sense lah that she was not keen lah to serve me lah you know yeah, yes they wanted to they wanted me to sign their package lah so they offer this free facial so that they can uh you know offer me this


you know package lah which I decline, yeah so after that, whatever free facials comes on my way I don't go after what I went through this yeah with this, uh facial company


I don't usually go, [orh] yeah I can say that some overseas transactions


my money I lost my money lah you know, because my I paid for it and my items didn't come in, yeah so , I did actually feedback lah you know , and uh one or two items did came in


but uh the rest, I didn't get it and they even did not uh they even refused to refund me my money which I sent, yeah so


ya maybe in a way or what I do not know or it could be that maybe because the postal, the staff the postal guy didn't exactly deliver my items, because when I went to the post office to check with them they told me it shows that


my items was delivered, yes I even went all the way to make a complaint but they say they cannot do anything because it shows my item is being delivered, yeah but I didn't, get my items you see so


I decided to stop buying from this, from them also lah you know, yeah so uh online, maybe I, ya that's why I prefer to buy from amazon I, find that amazon or lazada is more trustworthy


yeah, so I will ya even my groceries I buy from uh NTUC, they are also trustworthy yeah but others, uh online platform which are not familiar with


I don't buy unless there's some reviews, which some people personally have, , have ordered and they share their reviews based on that, I might, buy from this platform lah after reading the reviews


I might, ah no I don't own a car, and uh what about, any holiday do you have any holiday when you had a very bad experience


uh no lah I think uh most of eh ya I did I did had a very bad experience ya speaking of japan ya actually I loved japan


what happened was I book this , uh FMB, uh, at this place uh at this area, and I'm not sure because everything was deducted through agoda


but, I went there it was by the time I reached that place together with my family , he leave a note to say that the key, uh, he whatsapp me to let me know that he left the key in some other area but I went there I couldn't find and then uh


eventually he was telling me that I have to come to another place to uh uh, uh because the area which I first booked is fully booked so he asked me to come to another area, and I went to the other area


but I really cannot locate that place, because uh it's all, uh personal uh landed houses, so I find that uh maybe this guy play me out lah you know, so, I had a bad experience and I have to walk quite


a few distance to get our hotel and in japan ah to get a last minute hotel it was very difficult but, thank god lah there was this hotel which I managed to uh they managed to uh uh, let me in lah to stay lah you know yeah so anyway I did feedback to agoda


so uh the good thing is agoda refunded me the money which I paid, for the first uh staycation which I paid for, uh and then uh you know yeah so in a way it's not a loss lah you know yeah but


, what he did was very wrong lah you know because it was already very late at, night then uh I have to look for another place to stay for that night, yeah, but majority of the time the japanese are very nice I do not know why how come uh maybe there's one or two people lah you know who will try to cheat you lah yeah so that was a terrible uh staycation or holiday so call lah I will say for that one day lah


ya ya, I know I only uh write in to agoda because I book it through agoda you see, and agoda, refunded me the money lah so uh it's just that I had a bad experience


but, I did get back my money lah you know yeah, of course not I, go around telling everyone not to ever buy uh I mean book you know from this particular person and I think I also complained to agoda to remove


him from their website so I do not know whether they did or not lah you know that one I didn't, get to see lah, do you have any good experience with carousel or not


so any bad experience, uh no carousell, I'm actually I don't I didn't really, join carousell lah


uh, I know it's uh buying and selling of things but I have heard from my friends that uh some of them uh they have transferred the money but they didn't receive the items lah, you know so yeah so I do not know how


how it is lah but I heard a lot, a few of my friends lah had some bad experience, yeah so uh yes what


I use circle life I use circle life, I don't okay, telco I use circle life, I changed from singtel because I find that uh I don't really have a good value from singtel


and uh, and if there's any issues uh getting to this singtel people is very difficult, very difficult, through through the phone lah you know, unless you go there personally


yeah, so I find that uh circle life is so much different compared to, uh, uh singtel lah you know and I also find that uh some areas ah singtel I can't get the reception you know


uh the network is not so good I I I, I don't know I just find that, the ya network is not so good lah you know, and then I find that sometimes even if you manage to get, the singtel


to talk to them I find that , I don't know I think I, prefer to talk to singaporeans lah you know because sometimes uh they employ all these uh foreign uh workers but in a way you know their language barrier uh


sometimes they don't tend to understand what you're saying, so you know unless you go there personally [lah], yeah so I do have problem yeah yeah


part two positive product review uh


so serven let uh do you have any , uh any personal experience or not going to any restaurants where uh you have a good review, yeah which place which place was that


[orh] okay so what's so special about that place, [orh]


so where is it located somewhere in the north south east or west, central area [orh] okay so you


so you only like this restaurant is it, [orh] then uh sorry


for me it's a mixture, I like all types I like, all types of food except japanese food so I don't uh normally go to japanese restaurant but I go to this korean foods I mean uh korean restaurants all that


and uh speaking of that, I like the korean restaurant which is at uh located at vivocity there, their service is very good, uh you know, even though the price is a bit, steep


yet uh because of the service, uh because of the uh quality of the food I think it's worth lah, you know and and uh and uh, the environment is very nice the ambience is very good also in that restaurant lah


you know, uh too bad lah it's quite all the way to vivocity which is quite a big distance lah you know, because I'm staying in the north, so it can be quite far lah, but I don't mind going there lah once in a while because I like that place


the the food and and beverage there over there lah, yeah, uh what about yourself uh which telco are you using ah, M one ah


so how you find M one, I see [orh] [orh] I prefer circle


circle life circle life, even though , there is no uh , there's no exactly I mean you don't deal with a person exactly lah what we do is we have to chat with


their customers officer, but, I find that even though uh I don't get to talk to them or I don't deal with them uh personally but even to the chat I see that whatever I need, for my telco


I think you know they are able to deliver lah you know, that's why I change from, uh singtel to, circle life because I find that their product is very good, their service is good, I mean when I uh requested requested something through the chat immediately they are able to deliver it you see


and uh it's very prompt, I don't have to wait you know, and they don't just uh keep me hanging there every now and then they will just send me a message to let me know what's happening whether uh


the phone is on the way or you know when will my line be on you know activated all that you see, so I think uh you should try circle life, you should you know you should try circle life


[orh] I see okay, [orh] can I ah yeah, yeah I find I find that circle life is much cheaper their data is very good because


uh they they give you a very high uh coverage lah uh you know uh, high volume of data for you so you know, you don't uh I mean you know and it's much cheaper lah compare with the other telco I find lah you know


yeah so, I'm using it uh under apple, no no no apple yeah so uh do you have, uh, do you drink bubble tea or not


you don't drink bubble tea ah, oh you don't like bubble tea is it, [orh] okay then can I just find out ah the items in the house ah your house do you have any item which last longer than your the expected lifespan or not


what items ah you have, which go beyond, its lifespan any items, [orh] okay, so you don't have any product which you bought which actually is value lah


value for its money, okay you know why I must tell you about this fridge I bought lah actually harvey norman is very good uh harvey norman ah is very good in a sense that


I uh I bought these fridge this twin side, twin door fridge, yeah and uh, because I have this maid which actually I don't know what she do to my fridge


suddenly my fridge was spoilt you see so yeah so it was a good thing I bought from harvey norman this extended warranty and uh, you know they they just came and try I mean of course the serviceman will come over first


and uh he checked and then uh he says that he will they are not I mean they took back the fridge lah you know they took back the fridge and they actually , gave me uh another fridge for


for a few days while they repair my fridge you see but then after a few days they call me to tell me that uh that fridge is beyond repair, and uh surprisingly they gave me a, one to one, fridge lah you know so I receive a brand new fridge yeah so harvey norman really I mean their their service is good


because uh they really you know when they said extended warranty they really keep up to it you see no like some other places they will try to, repair and repair repair by the time your extended warranty expire but harvey norman was very good


within just a couple of years you know they are able to give me a new fridge lah so I like the service of harvey norman harvey norman is very good, so yeah, ya but it's not I mean compared to the price of a fridge which is a thousand over dollars I only pay a few hundred dollars less than three hundred dollars I think for that extended warranty so it's really value for money


yeah, so harvey norman is very good yeah, uh I think they really they really uh go into, making sure that their customers, you know, uh really get lah you know


uh washing machine ah washing machine uh, that one uh, uh washing machine I I have to buy another washing machine lah my washing machine break down so I might consider buying another washing machine lah but I might go go back to harvey norman just because of their service and uh


because of what they promise lah you know which is very good, yeah so that, yes harvey norman gives a better deal, yes


oh do you use any skincare product or not, not even a face soap ah, but you use hair dye lah, [orh] you don't use hair dye also okay


okay so I, okay what about travel travel which flight do you like, of uh do you travel, yup


I tend to agree with you because SIA ah I don't know ah I I mean I have, seat in various , airlines but, yeah my my preference is always SQ lah you know, yeah I like because of the way they land and they take off it's very smooth I find that


the journey also, the trip, you feel like you feel very comfortable you don't feel stressed out and because it comes with uh movies you know on the plane itself, so you don't realise the time, taken you see for the flight


yeah, so SQ yeah and then of course the meals which they serve, on board is very good, uh the seats are quite comfortable also plus uh, ya their customer service is also very good lah you know


ya and of course lah you know being a singaporean I tend to, uh prefer my own airline, because I find that uh, you know, uh they are more reliable lah then compare with other airlines


yeah , yes yes definitely, yeah, so uh, uh do you travel often or not


before the lockdown [orh] once a year okay so uh, ya okay so uh while we you are in this lockdown did you uh did you go anywhere


within the country itself, rather than uh because of the lockdown, [orh] so which place do you go


okay ya Sentosa which part you go to Sentosa is quite big you know, [orh] [orh]


how you find the service how you find the service there, [orh] I see [orh] okay


yeah uh , have you ever order a product from any ecommerce or not like lazada or Shopee do you often buy items from there, [orh] so why you are why uh uh which place do you go to which platform


why Shopee why Shopee


[orh] I see but Shopee is actually the items is from china right china products right, so you are saying the items is reliable is it


so you are saying it's very cheap ah, I see, definitely lah this is all like overseas what


but it but it won't last long lah the item, okay yeah, I prefer amazon amazon I like amazon is because the quality lah


I go more for quality lah even though the, the, amount I pay is slightly more than Shopee, but I prefer the quality lah and uh, it's something very unique


so and but amazon does delivers promptly, ya and they also you know recognise, membership you see where is free delivery all that, yeah


[orh] there's [orh] you get items for free ya how come you can get for free, this


so you can buy items without paying a cent, [orh] I see


okay , what about your experience uh you know hotel, uh your staycation, or holiday you know hotel do you have any good experience, [orh]


no lah singapore I think all the hotels are clean lah, unless you go malaysia, [orh] I see


for me uh, so which country if let's say you ever go to visit again which country would you like to go, [orh] I see I see [orh]


I like the I like japan, I like japan because , I find that the country is very very clean, the people are very courteous very hospitable, and uh, I find that


there's no delay in their transportation I mean it's all very efficient, so japan is one country I would like to go again, uh yeah, so uh by the way uh what kind of uh phone are you using


so why why this apple phone


so what's so special, what's so special about apple and why not android, [orh]


so you you, so you would would you recommend uh this apple, phone, you would recommend it rather than a android, [orh] I see so


but , is it true that apple phone you use it cannot be hack is it, I mean virus virus coming in to the phone


it's because of the quality [lah]


part one finance


I I have only one joint account, it's POSB POSB, yes it's convenient


it's also where I get my pay through POSB, yes, (hmm) no I don't want to


yeah but then once your, uh saving limit is down then they have service charge


yeah I'll consider in future, yes I have credit cards POSB, POSB


yeah, credit card it's easy I can buy things online


no not really if you know what you are doing yeah it's not true


yeah, yes but usually they will waive off it, because of your spending every year they waive off


yeah, no I have a reminder even they charge, you can still request for waiver


not at the moment, (hmm), at the moment POSB only


yes oh, it's better to have a


yeah I have a life saving insurance, yeah for our age for medical, it's better to have one


cover medical, uh disability sickness uh even for admission also, you pay first then you claim ah


you you pay first then later then you claim, yes


uh it's deducted to medisave, yeah uh at the moment


no private doctors no, yes


yeah it's okay, and I don't fall sick often, (hmm), it's okay it's a


it's a precaution only, well you should be it then


how about you you have any medical, insurance


this bank loan now (hmm), , I've already uh, sold and bought a few times already so it's now bank loan


yes there's a big difference yes


, of course it's under , it's under HDB what they have home protection it's under uh home protection


right no no, fire and all that no, no


(hmm) no lah uh not necessary ah, how about you,


as long they know how to spend if you give them a credit card it's okay I think you should eighteen years and above should be able to have one carry one


eighteen yeah , but you can always set a limit to their spending and also a notification that you know that they have spent so much


and this also will teach them how to spend and how not to spend


I don't have any preference ah it's okay for me


yes I don't have a fixed deposit, not at the moment, how about you


so you must have a lot of money lah, (hmm) that's good


so how about your children,


(hmm), (hmm) because now


now because now grab and everything is uh uh using ATM right online transaction


so everyone needs to have one credit card or ATM card ah, same debit card is one thing that it uh deducts straight away from your finance bank


correct, (hmm), true


cause sometimes they they do not know how much balance there is and then when they want to spend then the card is rejected so credit card at least they have the option of spending and then later pay


so what is the, what should be the age age be


above twenty one is it, why not eighteen, okay it's your preference ah okay how about you


(hmm), no I'm not familiar with other cards


so do you get, cashback rebate from your credit card


(hmm), (hmm) (hmm), (hmm)


(hmm), [orh] okay


(hmm) okay so do you recommend CIMB or POSB


(hmm), (hmm)


(hmm)


(hmm), so if you if you get a lottery or what what would you do, lottery


yes (ppc), (ppc)


(hmm), so you won't spend it but but just to buy a house only lah, (hmm)


so you you currently you are staying HDB you want a landed property, (hmm), (hmm)


do you think you'll buy a car, , (hmm)


, (hmm)


but the car , yeah but the car is is uh beneficial essential when you are moving around it's convenient


ya but (hmm), but not at your convenience is it it won't be as such as that, yeah but then if you go to a certain place or even if you have pets to bring out uh certain grab and


won't bring their pets that's very expensive, (mmhmm)


well you can look for a, (hmm), would you consider if there's a cheaper car


so do you buy gold every month


then, as investment right at least small lah small amounts of


(hmm), so you buy gold lah (hmm) (hmm)


loans yes my housing car, (hmm)


[orh] I got a financial adviser with me they they will do the savings for me


ah, no not exactly


part three negative review


there was one restaurant I went as I say I like indian food uh they'll ask us to sit down but, past ten minutes nobody came to take our orders or, uh the service wasn't good there so I left the restaurant so it's a very bad way of handling customers


yeah they uh they were so interested in other customers they were until so busy or or they were so


uh ah ha ha with less manpower it was not able to attend to us, so,


well uh whatever the reasons uh whether the restaurant is uh lack of manpower or not they could have at least served us, uh that uh appetisers first and, talk to us or take orders first and then come back to us but from the time I entered till the time I left


nobody uh came to us that's why, (hmm)


how about products, so you didn't buy from harvey norman


[orh], you didn't buy uh extended warranty do you buy extended warranty, (uh huh)


okay


(hmm)


[orh] okay have you tried


well uh so far nothing uh, I don't have any complaints on uh products only services only sometimes uh when I call for service online and especially like banks and all that uh they keep you going in circles you know you you have to


so I don't like their service online calling on for banks and all that, uh because they have a voice mail you know when I want to talk to someone person in person uh it goes ground in a voice mail voice message so I don't like that kind of a service there's no uh person to person


communication you see, , ya hospital there's this particular hospital every time you call the operator picks up and she keeps uh talking about her service only


so it's very bad when when public ask about certain things this operator only talks about her service and what she can do and what she cannot do but never attend to the need of the public


yeah , yeah this particular hospital the operators are very rude at times, (ppc)


yeah true also, how about other services you, how about other services you have uh any issues with other services


[orh] I had a bad bad experience with a grab driver uh yeah because of, he doesn't want to go to uh I wanted to go to a particular place he didn't want to go to that area and he he wanted to go to another area and he turn me down so I had to write a complaint letter on him


because, yeah (ppc), yes yes, uh initially he had another pick up on the same area that is what I came to know lah he had a pick up on the next area so he thought he could do two together


but since he had a change of mind don't for I do not know what's the reason there is still yet to reply to me so that was a bad experience for me and I had to rebook another grab at that point of time


, okay, , ya some are rude some uh don't speak your language and one of the bad experience I had was also with a grab driver is when you are sitting in the car they blast their particular


uh song and they don't realise that you don't understand that particular language and they keep going on that so I think it's good they know, who their passengers are you see


sometimes uh the radio, ya ya next time I'll going on let him know so that you can put it to a uh english channel or what because I didn't understand


uh these are small issue lah not not a big big matter, how about restaurants any particular restaurant that you went to that uh that you didn't like, how about


how about uh facial products any complaint,


, oh okay


so it was like a gimmick to sell, uh other products lah


okay ya ya I don't have that uh bad experience on that how about uh credit cards and other things use online transaction you you had any bad experience


so it's at risk , buying online ah I see


(hmm), do you own a car


any, holiday bad experience uh


no not really how about you


so do you write in to let them know about this person,


so would you uh recommend to other people all


carousell yes I have participate and, (ppc), I will, bad experience uh not really how about you


(hmm), how about how


no how about the uh uh your telco, what do you use starhub or M one or, any other for a broadband, no for, yes how about uh


okay okay can thank you


part, two positive review


, a good review is uh I like to go to the indian restaurant where the food is good and the service is good also in this particular restaurant lah uh this uh place in india I think it's good not to mention names lah


uh the service is good the food is good the quality of food is good and they serve, uh hot


food and uh the environment is good also, and it's reasonable price, it's in the central


yeah, and uh of course uh it's indian food and I like indian food how about you do you like any indian food


ya this particular restaurant I always go to, do you like indian food or other foods, do you like indian food or other food


like what,


so, ,


which telco ah, uh M one, , uh it's good and I I get coverage everywhere I go, and I I I like that you see


any country any country you go uh uh you get a very good thing, it got good coverage of uh going to overseas and they have uh very low


uh packages, with data ,


(hmm)


no, I've been using M uh I've been using M one for uh more than, twenty five years and I like their service they're prompt and they give me privileges and uh discounts even numbers I want to choose they give me a good number because I'm a long service so they recognise uh loyal customers and I like their service better


yes, but why do you change your telco, why do you change to circle life, telco is it good


so what phone do you use okay it's not an android phone


no I don't drink bubble one drink yeah I don't like this I just drink tea no I don't like tea I like hot drinks any


not not really ah most of it break down sooner or later, , well I like my car I like my car


, (hmm),


(hmm), but you pay for the, you pay for the warranty years lah


, okay that's good,


so would you buy uh buy, another uh washing machine uh so how about your washing machine


, , okay


so you find harvey norman use a better deal than any other, ah, , okay that's good what other products do you uh have


sorry I don't use skincare product, no I'm naturist, no I don't, no, unlike you I guess you use everything


do you use yes yes I when, there's no lockdown I'll sure love to travel, and I don't have any preference of uh which but I still prefer SIA because uh I find their service is good they are more reliable


and uh of course uh there's, a sense of uh safety uh in SIA


I think their service is good even ticket booking or online services are very efficient,


I usually travel once a year only not very often, uh I usually,


yeah, ya since I have a car it was so convenient for me to go to uh the local sightseeing,


Sentosa, I've been to Sentosa, also convenient for me to just drive through and this lockdown period it was free uh there was no charge for my, car


do you go, I went to the luge uh madame tussauds, and uh, I've been to other place are you really really my family have stayed in uh Sentosa also


and their service is, service is, service is very good though it's quite expensive but uh it's still cheaper than going overseas lah, you know, uh


yes very often I buy things from them, but it's


uh there's so many I usually go to Shopee uh uh aliexpress, uh because they have a lot of gadgets it's not available locally and it's cheap and they deliver promptly it's not uh they don't deliver so their service is good it's reliable and I have been doing so for quite some time


no it no it doesn't, no it doesn't matter to me if you serve me uh a few, months it's good enough for the price that I pay it's good enough for me


ya it's cheap compared to uh buying here uh from a shop, and some of the items you can't get it in singapore, yes


it depends on your usage and if it can last more than three months for that small amount it's worth it,


, so you


ya I do get uh discounts after buying certain things I had the next purchase I get a lot of discounts, sometimes the item is sent for free also, yes


because you buy quite some items you your membership goes from bronze to silver to platinum, so I'm now a platinum buyer


uh depends on the item sometimes it is free free delivery there's no charge to it so you only buy the items for the item price only, there's those uh freight, charge or service charge on it


I still prefer overseas, I still prefer going to overseas and stay abroad because uh it's totally different but if you are talking about singapore it ya unless you are going to a five star hotel it defeats the purpose


you see so I, no not talk, no not talking about cleanliness I'm talking about facilities, okay uh where they have a full fledged five star facility swimming pool sauna bar everything okay so anyway should I I love to go to overseas and stay because the environment is different totally


yes, I still love to go to either australia new zealand I love the climate there I like the climates and their service is good and uh they're very courteous and uh the restaurants are very good


(mmhmm), (hmm), (hmm)


(hmm), (hmm), I use iphone apple phone


and, I've been using apple phones from the beginning it's the first phone apple phone I have was uh three G S, apple three G S so I'm using it from three four five six seven until now which is uh iphone twelve so it's convenient


I like apple because it's convenient it's user friendly, I get it's better and, I'm more


well versed in apple than I android and I prefer I try and using android but I couldn't uh know what to do so I still prefer apple ah and with apple I can use uh transfer items transfer do much more than android


and and I like that, yes yes to all my ya my, ya my whole family is using apple


they don't, that is because they have this uh download uh they don't let third party download


so in a sense (uh) it's quite safe [lah] and ya I won't say cannot be hacked, but at least safe [lah] okay


topic one, ya okay, hello kelvin yeah, err


yeah err I do have a savings account ah so what do you normally like plan to do with your money such cases like you want to put in which bank or any preference or not so that I can let you know more about it


okay okay, understand okay so in such case if you are currently employed maybe you can put in UOB one ah cause I heard a lot of my friends saying that UOB one right now they are actually


having better interest rates compare to the other banks ya because err I think you also know DBS and POSB the interest rate is very low lah it's only about zero point zero five whereas UOB one yeah UOB one they are actually providing I think about at least


one percent but you have to meet the minimum requirement that they requires lah, yeah so next you can also actually uh put your money in singlife not sure if you have actually heard of that , no ah okay cause like when you every time take MRT you will see on the advertisement there will be singlife lah so singlife actually is quite good because their interest rate right now is about two point five


yeah two point five percent which means uh you just purely put the money inside the account right every year you can get at least about two point five percent, yeah correct and on top of that they also provide you a debit card lah which means you can actually use like as per your ATM card to make transaction this and that everything yeah


you just started working or, ah


, oh ya ya correct correct yeah !huh! yeah yes that one have


, correct ya but, ya but I think the jump start I think there's a certain requirement I think it's only sixteen years old and above ah and below a certain age ah if I'm not wrong but can you can actually


I mean like if you are not into debit card right you can actually try to use I would recommend like AMEX lah because AMEX err firstly they got a cashback card which means every time you go for shopping ah, buying groceries or even uh doing online shopping there's cashback given ah yeah and on top of that err I think the cashback given percentage is quite high as well


yeah , err I will use the AMEX cashback card lor either you can go with AMEX or stanchart lah yes these two I mean like krisflyer right now is not really that useful because I mean we we cannot fly so the mileage even if we clock already we can only buy like


some of the souvenirs and stuff lah ya so more practical the important ones are like AMEX card et cetera [loh], yeah correct correct that's yeah correct ya ya yes yeah correct correct


I mean the more practical ones are like cashback cards lah but I mean apart from just savings account do you actually plan to like save it or put it purely inside the bank account because actually there's a lot of other alternatives lah


yeah, correct correct, yeah correct


yes okay, yeah !huh! , okay so uh right now yes err I would say if you have been working for three to five years if let's say you have a sum of money you


can set aside emergency funds in normal bank such as err like DBS POSB et cetera so, those are readily available err in terms of emergency you can access to them lah then the remaining uh money that you are being set aside already you can actually put in either singlife


or stashed away yeah so they actually provide, higher interest rate much way higher interest rate compare to banks and on top of that they also have some, other investment platforms for you to do lah yes so this is another alternative to somehow grow your money if you are interested in putting into fixed deposits you can actually check from different bank rates lah


yeah from there , yes it's a savings account yeah, uh no actually they they they call it as a savings plan but actually there's no minimum withdrawal there's no minimum term you can withdraw as and when you like


yeah so it's it's like another bank account it's just that it's tied to singlife correct ya and they also provide some uh death, benefit guaranteed et cetera lah as compared to banks lah I mean like it's better than nothing but that one you can also set aside as a emergency fund if you need lah it's just that when you need to withdraw the money from that account they will take a few hours lah yeah because it's another platform correct


at least in this case err you can earn more interest [loh] yeah if not you can actually get endowment plans ah from insurance company I believe that one you might have encountered a lot lah yeah can't


for uh, for me I think it's just one savings uh account then one spending account than the rest of the money you uh just put in to either like singlife stashaway and also some other endowment plans lah


yeah depending on what is your financial angle that you want [orh] correct because some people would like to put their money in investment plan, yes which gives you a higher return then some people doesn't want to tied together in the insurance company so they will just invest their money in stocks lah yeah correct so really depends on what you want and stuff


yes so uh apart from this, any other like , plans or things that you want to do to grow your money


yeah correct


yeah , yes yes, the the one they have a fixed interest rate ah two point five yeah so it's fixed one they do not have a high yield and stuff but uh did


you like try to check your own financial consultant, to see what other plans currently that is able to fit your needs, !ow! oh


then your own insurance agent eh, oh, ah, correct


, ya but I heard the interest rate for the car and the student loan is quite high right now right


oh ya yeah understand, oh okay, okay okay


oh okay oh eh then in this case, you can actually do everything through OCBC what , I think if you want to put savings you can put inside the three sixty then I think apart from mortgage loan I think as long as you can fulfil a few giro deduction like maybe use giro for uh handphone bills ah pay insurance ah et cetera I think you are able to receive a higher interest rate leh


uh ya ya ya ya correct, ya definitely they will care lah but it's still better than you just park the money purely inside the bank account, over there ya then I think they also do provide investment platforms through their app itself which I heard from my friend ah so if let's say you have friends doing stocks and et ecetera you can just


invest through that platform yeah correct bet better than you own self do one through a broker and stuff I mean like they they still provide the brokerage it's just that maybe the charges are cheaper lah compare to your self source


yeah , uh for myself I don't use OCBC lah yeah because err the requirements I do not met lah so I don't see the point ah yeah correct


(hmm) , uh yes uh credit card have lah like I mentioned earlier it's the AMEX one [orh] one is the AMEX one then the other one is uh stanchart both is on a cash backs one ah then only the debit card I think is


the POSB or DBS ah which is readily available in whole singapore so I think that one is a need lah , correct ya (uh huh) yeah correct correct


that one I normally I never bother ah, yeah correct correct , yeah correct


yes err I mean like ya they do provide diner options lah but uh some of the diners they provide are so popular that you cannot book then if not it's those that you don't really uh fancy of it don't really like lah, ya so normally to me the main point is just using the cash back [orh] ya the the cash back feature is because the cash back I think is uh unlimited


ya it's three percent and there's no max cap ah if I'm not wrong I'm not very sure lah so whatever things uh whatever things as long as can be used credit card to, make payment then I will just tap [orh] it will be much easier lah yeah so in in such a case


I think you can slightly earn more lah better than nothing oh ya also like I mentioned earlier online shopping yeah I think you heard I believe you do a lot of online shopping yeah correct so I think these credit cards you can actually uh benefit much from it lah


(mmhmm) , yeah there's cash backs from the credit card ya I think that one uh maybe about five percent, err ya lah per purchase lah so per item [orh] (mmhmm) ya


uh I try to control lah set a limit lah but ya sometimes you will get tempted so sometimes like I need to buy things for friend or like I need to share money share and buy things ah then everything I will just use through that card [loh] so it'll be it will be much easier


yeah correct correct, ya that's one of the trick lah yeah correct [loh] okay then uh in


such cases just to, check ah your car loan how how, fast is the actual uh procedure in everything ah like when you go to the bank like you just now mentioned it's


uh OCBC bank right ya maybe you can share with uh more of the details like what is the features of the bank and everything ya,


ya yeah okay , oh okay okay okay ah correct okay


okay


okay, oh okay


oh, oh oh actually like that oh like that it's quite hassle free ah, (ppc) okay


ya ya yeah ya yeah , correct yes, ya


oh


!wah! so fast !wah! okay okay okay okay understand ya because I need to check some of the loans regarding about cars lah so that (ppc), so that maybe in the future when getting a car then roughly know what's the procedure and et cetera everything will be much easier lah yeah ya lor


ya


oh okay that time that time, ya, yeah correct correct I think uh this is a very important point ah so basically we will uh open a joint account and every month we'll actually credit a certain amount of money into the joint account lah


then that account is purely set aside for housing which both have to agree that they, we are not going to touch the money lah yeah so when the times comes and making payment of the house like it renovations furnitures this and that everything we will use the money from the joint account [loh] which I think is a


it's a good idea lah because at least both parties are sharing, the equal burden of this whole debt lah I mean like you know one house is not so cheap just purely about the renovation and the necessities it will cost a few thousand already


yeah so we will do joint account and we do joint account with uh stanchart lah ya because I think they have some special feature for new weds that, uh they can only open this joint account and they would actually provide a higher interest rate compare to the others yeah


it's I think it's on three three four percent ah correct only standchart have lah ya maybe you can take a take take note on that lah but right now I'm still not sure if they have but maybe when times comes you can go and check with them so that you can have a better understanding


yeah because four percent is actually quite high [lah], correct (mm) ya (uh) (uh) (uh) (uh)


topic three , okay hello kelvin eh I saw your IG last week you went to travel uh how was it ah how was the whole experience share with me


!huh! what happened , ah , okay okay okay okay


ah ah ah ah, oh, okay


okay okay okay, yeah ah okay


!wah! okay ya lor ya lor , okay okay,


ya , okay


ya ya ya yeah, correct correct ya yeah correct


!huh! did I buy eh !wow! !wow! , okay a'ah ya ya yeah


okay , , !wah!


ya yeah okay correct correct , !huh!, !wah! it's a scam ah !huh!


okay but uh ya lor, oh oh


correct correct lor of course whatever it's like in Airbnb or what, Airbnb apartment ah, oh !wah!


nice, ya I heard before lah but


also afraid that when I reached the place already whether am I able to get a place to stay where to find the pin this and everything because sometimes you know Airbnb the owner when you uh doing enquiry they will reply you promptly lah, then once everything correct lor uh then once everything settled already when you reach the place then suddenly they MIA


even if when you are at the doorstep they also MIA ya, so normally I will just yeah normally I will just go through a travel agency lah but if you heard of this A B C travel agency I think next time you don't sign with them lah cause recently I also went to Malacca I think


few months ago when I met you I told you that I going Malacca than uh take a plane up all the way to penang right like err one week travelling yeah, so initially also everything planned we thought like everything was okay lah like the person tell us this and that everything so when we start to take plane no we take we took a bus to Malacca everything was okay then once we reach Malacca


the whole the whole things start to screw up already lah so like they provided us the wrong room mah, wrong room never mind then the requirements that we told the travel agency like uh I need a baby cot in the room and everything they did not provide lah


which means I think they never let the hotel know then just nice the hotel also do not provide uh such facilities [orh], then okay I mean like that one is only a few days stays then subsequently they supposedly should provide a van they told me that err they will provide a van over to drive up from Malacca all the way to penang lah but end up you know what they provide or not normal bus it's normal coach


a coach ah normal coach [orh] yeah which is shared with other people lah but I'm paying at a van price lah so that time I also call in and make dispute over this and everything then they say oh last minute the uh the van spoil ah this and that lah so they reimburse us with the coach and everything like very ridiculous one


ya then I tell them oh ya in this case you refund ah because the van is like a private van then you give me a coach ticket I mean the pricing definitely differs already what , yeah but never mind I mean like because whole family is out there for travelling so no choice lah I have to just uh endure with it lor then go all the way to Penang already I thought everything will be fine lah then


same thing the hotel same issue they do not travel agency ah the A B C travel agency yeah that one I want boycott them !wah! because the plannings they all they never do properly then uh whatever we requested they say okay okay okay same thing [orh] they also wanted up front fifty percent deposit


okay so before we go you have to pay fifty percent deposit then when your actual day starts right like the moment when you board the bus and everything I think the driver will just drop a text to the company or what then they will charge the remaining fifty percent uh to the credit card


so end up the whole trip the stay also not very and the hotel they told us is a five star end up it's a four star hotel yeah then they do not they only provide like breakfast lunch


and dinner not included ya which inside the itinerary they actually stated that lunch and uh dinner will be provided lah at least for a day so I think this kind of thing need to take note ah


the tour guide is only like two three hour, it's also not full day ya because you don't uh complain to them no use one ah this one I think need to report to the case already because the tour guide when we reach there , he tell us that he'll only be here for three three four hours then we're like !huh! not tied to whole day one meh he say no if we want to tie to whole day need to pay money as well yeah


yeah in singapore ya so in singapore so that one I preparing to lodge a complaint over already ya because like when you check with them they everything said okay okay okay then when the actual thing happens right all the things they provide are totally the opposite lah


nah, ya also sound like scam one then the reviews like you mentioned earlier on everything everyone said okay lah so but my personally I feel it's not right lah ya so the the the travel agency you can really boycott already so must take note lah


ya lah correct correct, yeah then yeah, one thing


yeah correct , ya ya have, !huh! have ah what thing what happened


okay, ah ah ah (uh huh)


a'ah , and microwave ah is it the one with microwave also ya ya yeah, that one on facebook one right ah


(uh huh) correct correct correct correct


!huh! oh, ya ya ya ya


oh, oh ah


no haven't, okay ya ya yeah, yeah,


(mmhmm) oh, yeah ah you already paid ah !wah!


ya yeah, ya correct


oh I see ya ya yeah I think correct, I think the facebook ad don't don't don't go because I also share similar experience with you yours is the oven ya what thing


ya correct ,


!huh! they send you , oh that there's that mean that mean it's a fake one ah


, ya ya ya correct correct ya lor


!walao! ah !wah! like that !wah! !wah! like that very ridiculous eh ya but that time you call is you, call to facebook or you call to their own customer service oh their own customer service lah oh because that time I encounter one is also at facebook but that time they are selling like soft toys but that one also a bit a little bit dodgy ah because


they actually provide like they say buy one get one free then you buy three you get two free, oh I didn't know buy two get three free ah ya and the uh ya correct correct but the thing is the reviews under the facebook they all are people say they received the item this and that and everything and


important thing is theirs is on cash on delivery lah correct so that time I just uh went ahead to order lah because I think that eh never mind what because christmas coming I can go and , I mean like give out give it away lah since there are so many so I waited for like two three weeks then I finally got a reply email lah saying that the order is confirmed then I said okay never mind maybe uh the the shipment issue and stuff so after that


err I think after receiving the email confirmation one week later they actually deliver the things over lah so initially they, overseas one ya now a lot of things overseas but this one right


the the dodgy part is I cannot find any supplier contact number, yeah so at that point I just PM the facebook customer service and check ya because they want to do cash on delivery mah


so when I received the item already and it's parcel still ah so you cannot see what is actually the item inside yeah then I feel that eh something is not right leh and the delivery guy tell me oh need to pay, in order to open ah then I tell him can open first or not ya because cash on delivery correct so I I !wah! that that guy also a little bit problem because I think to them they need to err


deliver the item in order to get their parcel their their money lah their salary yeah so he keep arguing with me this and that everything uh saying that it's the confirm correct one everything don't know is it part of the, the customer service or the or the company lah the guy but I check check check


then end of the yeah, yeah yeah because it's inside the parcel what so you sometimes you have to open and see whether is the correct thing [orh] because I order like five soft toy eh but the parcel come come in is only like quite small only then ya yeah ya ya


I mean like the ring the size cannot be the same as the other one mah the box, ya then I see here and there I realise that eh something wrong eh how come five soft toys err can pack only like one small thing only it don't make sense what then the guy over there keep telling me it's the correct thing it's the correct thing same address correct item et cetera on the invoice lah


but I tell them no lah so after that, after like one hour I talk to him outside my door for one hour ah he keep pushing the item to me I tell him no I don't want then he call back his company then he said the company say it's the correct one eh I got I got nobody to chat with ah so I tell them I don't want to refund ah ya I pushback then after that


uh I call to facebook to complain on the customer service on this particular supplier then I call to the delivery company yeah, so must take note because right now facebook they got a lot of such unpleasant events lah where they want to find all sorts of ways to scam you out from it lah ya


yeah ya correct correct correct


Kena Kena a lot of time already that's why uh you have to make complaints to facebook as well as the delivery company because I heard the delivery company they can actually track lah the origin of this uh particular supplier mah


yeah so good, err for yeah for my case err I do not need to make payment ah but if let's say for your case right you can actually request for refund lor but normally they will not do it lah they will not refund you lah because end of the day they already try to


want to scam already mah so no point refunding the money back to you , they will find all sorts of way to deny and make sure that you get the item lah that they send you lor because as


can, can can you can lodge that ones as fraud, yeah okay yeah, can if not err another way is err you complain to CASE lah but CASE don't really not really that effective lah because I think these cases are very


common nowadays so must do own due diligence lah , yeah it's just that I'm just quite surprised that even facebook the customer service you know you thought like facebook the the people there are very professional but end of the day the customer service agent also not very helpful towards such things eh ya like that time


I told them about this incident then they keep asking me like for the invoice for the email then I tell them I only got the email order received lah but they do not provide any confirmation as in the details of the supplier like contact number et cetera then the customer service agents still got tell me


say it should be my due diligence to check first like if it's a scam or not but the thing is I mean like at that point in time you check on the facebook everything the reviews all very good what yeah so the customer their ya ya because


yeah yeah correct correct


(mm) yeah correct [lor] yeah


topic two okay hello calvin how are you, eh recently the twelve twelve you got go any shopping on Lazada Shopee or not


!huh! you never you never go to do any online shopping during this kind of period one eh, ya ya


uh correct , ya actually Shopee they're actually ya lah I I I mean like I want to let you know actually the recently I bought uh things from Shopee like you mentioned earlier it's quite good lah the quality and everything as well as the


monetary value it's worth it lah and most importantly the delivery very fast eh yeah , oh that time I bought err a cup as well as some clothes lah for my baby then I was expecting the things to be very long ah but end up I think the next day the delivery was being made


yeah and after that I think the delivery guy also will preempt me like roughly what time will they arrive because normally I think you know lah, the delivery they will not tell you what time they will reach they will just reach any point in time then ring the bell then they just go off but this one they will tell you what time they'll be coming and also preamp you first lah


like if let's say you are not around at home then they will automatically put inside the riser this and stuff which I think is quite good lah if let's say next time you want to buy any things , from Shopee itself yeah


free bro totally free yes no need no need, no need no need last time they have such requirement ah but now they all change already , yeah so when you shop with Shopee the delivery all is free then ya lor and


it's all free you even buy a, pen ah or one piece of paper ah they also give you free ya which is why I tell you anything you can just buy from there because Shopee now they have a lot of uh, things lah they sell literally every things ah from food ah to all the necessities needed lah even furnitures ah television ah computer it's all through there already ya so I think right now they are fighting against Lazada lah I think they are the next Taobao lah


ya , I ya I feel Shopee be the best lah cause the delivery they do not take any charges then their delivery also very fast all the product quality I heard is they got QC lah because you can read the reviews mah inside


Shopee, yeah then you target on the items that has a lot of stars lah so at least you will know , which one is the better quality out there lor but overall everything is still good lah because if let's say there's anything happen right you can call through the customer service and the customer service their err replies are very


prompt lah so that yeah it's good, uh , yeah !huh! ya, ah


yeah, ya lor that's good that's good eh


ya I just check with you you last week went to staycation with your friend is it ah I saw on your IG you posted online eh how is the environment there


yeah , rediscovery uh ya ya correct correct oh, haven't yet haven't yet it's I saw your IG that you went for staycation err in the hotel then I see !wah! all the things like very beautiful very clean how is the environment over there ah


ah, !wah! oh okay okay


!wah! so cheap !wah! ah


okay okay correct correct yeah


ah, breakfast only lah breakfast buffet lah okay okay , !whoa! still got balcony yeah yeah starting starting I thought is


other other hotel oh so it's the one at Bugis okay okay, oh !wah! then, uh , oh okay


ya but okay lah I mean like forty eight dollars they do provide these all food and stuff so normally dinner is you eat in the hotel or to the maxwell food centre, maxwell food centre lah


oh, oh okay okay, oh oh that's


yeah actually planning to see which hotel , is uh quite good lah until I chanced upon your IG then I saw you went to this hotel and stay that's how I think eh can check with you ah then the is the staff there all okay or not uh like do they because I heard some of my friends who went to that hotel stay before like


they say some of the people there like not very friendly lah, so you are the most recent one that went over, how is the the the standards over there lah yeah, a'ah


oh okay okay, oh okay


uh, okay


oh they also provide ah they still provide cocktail ah !wah! yeah !huh! !huh! because oh, oh


oh !wah!, !wah! the the standard not bad lah in this case uh oh okay okay ya then maybe I'll go and check it out with that lor to see maybe next week lah yeah


ah correct oh ya yeah


err Sentosa one got I think it's the beach Siloso hotel ah , yeah, ya the one the you know the hotel when you walk from Sentosa the station you walk like five to ten minutes you see the beach already right then that one


the downstairs or the hotel is like all the bus then on top you can uh stay one yeah ya it's something like the resort !wah! !wah! that one I tell you that one is really good ah, because ya the the room amenities ah and the hotel facilities is up there one ah and this the hotel they apart providing swimming pool


gym sauna they also got a movie theatre there yeah and yes you don't know right ya the movie theater is underground one yeah, so at that point in time I also don't know until when we check in that time we look through the details lah I mean the staff got brief us everything ya then they tell us that their speciality is the movie theater inside there yeah then when you go to the room


everything is very clean and same like yours lah got a balcony but my balcony is to see the beach, yeah , ya it's it's Sentosa lah correct ya


I think I think normally is you walk pass the whole area there's a lot of bars at the bars and restaurants ah so the hotel is behind there, yeah but you need to like walk a few steps stairs go up and stuff then uh one good thing is they not only provide breakfast lah they also provide dinner yeah because most of the hotel they do not provide any


dinner one but this one is a special package lah same thing like yours lor use the rediscovery voucher to go and apply but that one you have to top up additional money lah yeah but I think it's worth it lah because, you can get to just literally enjoy all the facilities there then it's only like five minutes walking distance to the beach then after you finish already you can just go to the restaurants there to have a high tea tea break


uh then, dinner it will be err buffet as well, yeah, correct correct that time I also don't know ya but I think because of this uh whole situation they actually wants to attract more customer lah so that one is really good you can plan for your next err staycation if you want lah


yeah , ya correct ya lor ya lor, that's why it's a good time to go there and take a look lah


yeah yeah, , oh err actually got leh have have, got got got recently got one err very good deal lah ya and it's at the Yishun SAFRA not sure if you have heard of that before


ya SAFRA gym SAFRA gym ya I think singapore got a few SAFRA right you know like one in Tampines one in Punggol I think farrer park also have ya but I think Yishun, and #toa payoh# one have a gym lah ya then I also recently signed up with them because I think the facility there really very good lah ya not only the not only they provide all the gym equipments the whole atmosphere is very big it's like err the size is almost like half of a warehouse ah


yeah it's that big ya one thing then all the workout equipment is fully well equipped and the thing is because they just newly renovated so everything is very new and very clean correct


oh the the free weights I tell you got so many until no need to worry that, need to share you know every time we go gym we need to like share with people then some of the weights that people take already you need to wait and everything right that one is really a lot a lot a lot of weights ya and they also have free one big area for those people carrying free weights one yes


uh peak hour ya because after work mah so after work like eight, to five you know normally five thirty six you go during that timing lor, yeah but


yes actually do you uh don't be surprised that actually during that peak hour timing err there will be a lot of people but I think because of the space and the number of weights they actually provide right so it spreads out evenly lah yes


and on top of that uh if you are not sure like what are the exercises you want to do you can actually go to the counter lah ah then they got so called like part time personal trainer provided for you, which means right every day [orh] there will be like two to three personal trainers just roaming inside the gym so as and when you need help you know like sometimes we go gym you need to do uh weights that is really heavy then you need people to support then you feel very Paiseh to go and look


for people yeah you can actually just uh go to the counter request for a personal trainer , ah just let them know then they will actually send the personal trainer down to you lah and they will guide you and help you and with all the supporting of your weights and and stuff yeah correct


no oh , ya ya ya, ya yeah correct correct don't have don't have


SAFRA one no because SAFRA SAFRA one they all are from what I understand at the, customer , service they are all fully salary paid lah so to them they will this it's just more like their job [orh] it's like our eight to five job and everything yes because I heard from the anytime fitness is they are basic is very low then they have to


so called sell more of their classes in order to earn more lah but SAFRA one day do not need, maybe the the pay there is quite good lah ya because the there's a lot of people going to the gym lah


yeah , the membership fees I tell you I tell you already I think you will be shocked it's only sixty dollar a month, and and uh uh


yes yes yes yes correct the the membership is yeah, , correct correct yes per entry yeah as long as uh peak hour non peak is the same yeah as long as you got the


SAFRA card lah I think all of us will have the SAFRA card lah so uh you, can just register using your SAFRA card then they have this err special promotion it's a special promotion ah ya but it's sixty dollars a, month yeah because I check a lot of


places anytime fitness lah gym board I think their monthly subscription minimum need about hundred plus to, two hundred and they do not provide uh personal trainers eh personal trainers you need to, so called self hire or rent ah from the gym ya but SAFRA they provide correct correct ya lor ya lor correct correct correct


, correct correct yeah , so so ya lor the


yeah Yishun one correct, have yeah have correct yeah understand ah


it's it's provided then they actually also provide you, towel the shower cubicle ah, and also dressing room area lah, yeah so the gym is stationed at like the two levels they got two levels lah so the gym is stationed above the swimming pool then if you want to use the jacuzzi and the sauna eh it's at the swimming pool level lah actually very convenient very very convenient


yeah so normally everyone after finish gymming they will just go for a swim [orh] then swim finish already they will just chill at the jacuzzi there yeah then if you are hungry after that there is also cafes lah at the bottom for you to dine in eh


yeah correct correct, ya you can try lah because err once you sign up with them every month you get to have an entitled free meal at their cafe lah


correct correct means if let's say uh one month every everyday you go gym ah but uh they only give you like one free so call set meal when you die in the cafe for once lah yeah so actually


got got got got got cafe got cafe ya the cafe is like they work together with the gym one ah so one month one time lah I mean like although it's just one meal at least it's a free meal that is tied with your the


correct so it's good [lah] you can go check it out [lah] maybe not only, (mmhmm) two two three times [lah] now (mm) yeah okay


topic one, eh uh hello hong sen uh , hi long time no see eh uh, bro just to check ah do you have a saving account I'm actually looking to save lah just want to get your opinion


oh no just more of like a savings account in general like after you get get your pay where do you put savings or where do you save all this,


!wah! so lor okay , , okay


oh no leh never hear before, yeah , oh okay !wah!


oh that's good eh


, I see oh but for , no lah quite a few years but ya lah for myself I don't use uh debit, card cause I feel that there is


no difference between it and my own uh cash online card lah like ATM card , so I I don't uh ya I don't really use debit for credit err I, uh I only use those that are necessary lah like for example like uh DBS the ESSO card ya cause it gives very good rebate lah on like uh petrol twenty one percent and stuff ya then like


krisflyer all this I don't use cause I don't fly AMEX all the dining privileges I also don't use, ya but I heard I heard that there are some quite good one lah like the stand chart bonus saver not sure if you've heard of it , ya, up to like three percent per annum if you credit your bills from eh credit your bills from there spend using that account yeah so that one is quite not bad lah


, yeah that ah ,


oh which which one which one is uh got any like what is that called ah recommendation, okay okay yeah uh


ya lah uh I prefer cash back as well lah it's more practical like, points all these !wah! I find it a hassle to go and keep track then would expire you don't know can exchange for what , to me it's more like a gimmick ah, yeah


, for myself I I want to do fixed deposit as well lah but for fixed D you the issue is you


need a lump sum of money then for , people our age we just come out to work we don't have one lump sum ah , ya so uh what I heard from my other of my friends it's like there are other ways to generate more err cash returns lah uh instead of just putting it in the bank lah so not sure ya lor so not sure if


you have any recommendation like for yourself because you have a family mah , so I think you planned ahead already ya,


so for the singlife singlife is a savings account one is it , oh it that there's like minimum term or it's


I see okay okay, not bad I see not


, ya ya encounter a lot , for for your for yourself, how do you save just curious like do do you have a few different savings accounts or you just open one savings and savings and spending account ya


okay I see uh


maybe more of like a, like what you said lor uh some insurance so call err or, either insurance or investment kind of , platform to actually grow my money cause savings I find that the zero point zero five is almost uh negligible lah you don't really see much unless you really put like a lot a lot of money in the savings account lah if not the growth is too little ya


so ever really uh heard of a few like just now I think you mention singlife right that one is it a very high yield or it's just , like three percent per annum four five percent per annum kind


oh two point five uh uh,


no leh I never really purchased anything from the banks before so far I go to the banks they never approach me lah yeah (mmhmm), err never ask leh so far the bank I only


got before like uh student loan and car loan quite , ya quite quite okay lah as in, they never really upsell me up much any of, other other things lah so I just plain and simple get my car loan get my student loan that's all


uh uh yeah, ah , err for student loan, I'm not very sure cause it was many many years ago, lah ya car loan


I got the lowest one lah from err OCBC, it's ya it's, one point eight eight percent lor so it's really quite, quite good lah, ya it's quite attractive then also hassle free just details from your singpass they take and then straight away you get the loan done up lah ya quite quite quite hassle free correct correct


ya


, but I think they cap they cap also like the amount that that enjoy the the interest rate ya ya ,


correct lah correct


okay uh straight


I see I see for for yourself leh you do you use OCBC, oh, oh I see, ya err


then how about yourself do you have err have uh, credit card or do you use credit card or debit card as well, you use, oh you're using the AMEX ah okay okay


, , if uh you use the AMEX one just curious do you really use the like the dining privilege


all these that they provide because I heard for AMEX really their their standout point is the dining privileges ah , that's why that's the that's the issue cause I find that ya I don't really use all this kind of things so no point I