I'm sure should have lah all this uh organisations who who encourage all these kind of like try to rope in all these, uh investment opportunities


part three negative experience, so I see some would you like to go first on your food experience


ya ya we went there before also


okay


quite quite happening ah


(mmhmm) recently ah a spice, oh the gift right, keep finding right kay


reasonable ah ya reasonable, ,


, (mmhmm),


okay let's say,


(ugh) (uh huh), (mmhmm), the drinks bar lah no one basically no one making drinks lah


!huh! !huh!, (mmhmm)


the uh the picture always always uh, enhances the they're always deceive,


, , (mmhmm), ya


, , , ya lah cause to prevent you from going off they will obviously say that lah


, oh my goodness,


that's that's very long lah especially if you like you damn hungry you want to you want to get get food as soon as possible, , ya and you completely lose the mood to even eat lah


ya ya can understand , ,


, , need


just leave a bad google review ah or something, (mmhmm),


ya so, ya


okay that's


but recently I think last last year we went also right uh about about a year ago and the service because it was it was quite empty lah so I'm guessing the service also, wait


, ya, ya but the food wasn't wasn't that great also lah I remember remember getting into a food coma because the food was damn oily ah


, ya ya ya ya I remember ya the portion wise I think it was okay lah it was quite decent but just that the


so I talk about my my negative experience ah so by negative experience is also about food but it isn't local lah it was uh overseas overseas


it was in india when I went in about two and a half years ago uh, twenty-eighteen twenty ty ya twenty-eighteen during err I think early early in the year


and then uh so, be and my cause I went with my family so four of us, so we were just trying to get some lunch ah during the day when we were sightseeing you know in india


so my brother found a a decent sort of italian place lah they were serving italian cuisine mainly ah you know so he found it in the in the city area so we decided, to go so we were we were walking around okay we found we found the place


and then it was quite it was quite uh it was in the second floor second floor they was there the second and third floor so they've two levels second is a air air condition if I'm not wrong then third is like open open air ah and then got rooftop bar and all this kind of thing


something like that ya, so it's like I think at the third floor you can have like romantic dates or whatever lah, so we went there so we were basically the only ones in the restaurant lah at that point of time


so we went there we sat down they give us the menu then we started choosing lah so they had I think they had other cuisines also but we wanted italian sort of we wanted pasta lah so we so we ordered four different different dishes of pasta


and then and like like uh one one for each person ya and then we, we waited lah we waited we waited quite a quite a fair fair time lah cause normally pasta is quite easy to cook and we I think we waited for like uh an hour or so ah hour and in then and then when the pasta finally came


everyone got the order wrong so like I didn't get what I ordered my dad didn't get what he ordered my mum didn't get what she ordered my brother didn't get what she what he ordered so everyone was like mixed up lah so when we already waited so long for the food so we thought okay


I think about an hour about an hour ah ya and bear uh bear in mind that there was no one else in the restaurant, (hmm), I don't know and the restaurant looks quite quite decent ah the decorations and the layout is quite uh it's quite a decent place and then my brother chose ya quite a task looking and my brother chose this place because it had quite decent reviews also cause otherwise you wouldn't have gone also


so then okay after he got all our orders wrong we thought okay never mind we are already hungry then let's just eat whatever we have as long as it's like as long as it's nice we just eat it lah so we just eat everything and ah so and it turn out


, uh we did ya we were just too hungry so we didn't wanted to to make make a big deal out of it lah, and plus like it was quite it was I'll I'm not going to lie lah it was quite decent lah the taste also was quite decent so we didn't mind it


so then after that we eat everything already we were sit sitting down chit chatting then after that just when so we wanted to leave so we ask for the bill so when the bill came the price was


significantly different from what we had thought it would be , because normally you order four plates of pasta it would you would you would have a sense of how much it'll cost ah because you look at the price and all also , then after that we saw the price was totally different it was like it was uh significantly different lah then uh we call the waiter over to like like we call the waiter over and then ask him why is the price like this then he also was like shocked


then after that uh then I ask him to show us the menu because the price we saw and the price reflected on the receipt was totally different, ya,


it was a ya same item we ordered but different price so then after we ask the waiter to bring bring over the menu and then we saw in the menu like they had pasted over different prices on every one of their dishes ah


ya so basically when we first entered the restaurant we got a menu with a specific price so like uh a smaller smaller amount so then when we paid the receipt he gave us the menu with the adjusted amount which was higher


uh it it in it sounded weird as in now looking at it it sounds shady lah where at that point of time I was just like really angered and frustrated lah cause like this is not how you do a business what


so like my my parents being my parents they were like okay okay never mind then I was like damn frustrated lah I started scolding the guy in words I never knew I know lah


, ya so as I started scolding him and then my mom and dad were, were like quite uh they were trying to calm me down you know then my my bro my my brother was also quite quite uh annoyed also


he was at at first at first the three of them were trying to reason with the waiter saying that uh is a is a wrong price like you showed us a menu with uh the cheaper price and then now , now you are showing us a menu with a more expensive price which is not right lah then after that


they they were seem very like, reluctant to barge our like he reluctant to honour like uh honour their uh that they , ya


ya then I started like scolding him, and everything then my parents tried to calm me down then eventually they say they okay never mind just pay and then just leave so when we were


, that's really like it's not it's not right like ethically it's not right lah, uh, so after that when we were leaving the restaurant uh me and my brother both gave a one star review and then on google lah cause we found we we we found the restaurant on google also


ya there was quite decent ratings according to my brother cause that's how he found it lah he say the people sayings it's not bad you know because otherwise we wouldn't have gone also,


but ah possible lah is possible lah cause india uh india is like, you know cause like its the cleanliness in terms of cleanliness is far different from singapore so so like if you


if you see bad reviews you probably want to stay clear from it lah ya, so we both gave like one star reviews and then we gave one long essay on how their service was rubbish how they ey they tried ya how they were scammers ah but we didn't directly say scammers lah we just say how they


they change the pricing and all, so it was just it was just wrong you know it wasn't a pleasant experience after that lah, ya,


they would, , uh it was he look, I I've I can't remember the waiter correctly but I think he was a different different like the one who entertained us when he gave us the receipt and the one who put our order


I must I'm I'm guessing is a different person lah so the one who we scolded uh scolded was he look quite innocent and quite quite lost lah when we were scolding him , so


ya it's possible cause cause india india they're certain certain restaurants don't have the, proper, facilities and the management ah the management are not not the same they don't have proper regulations I would say


, , ya they definitely will be problems lah but because we are we are uh sort of we are quite small it's easier to


to maintain and contain the bad bad apples ah, ya okay


part two positive experience


okay so the positive experience recently that I have encountered it's actually quite recent lah it's about a month ago some less than a month ago actually say a few weeks ago lah, so it's recently ya recently I sold my my family car lah


so I've had it for I think less than four years less than four years so some just some background information on the car is that I got it's my it's the second family car so I got it when I was in NS


yes so I got it back in two-thousand-seventeen in march two-thousand-seventeen and I remember it just like it was yesterday but it wasn't lah I was in I was I was in NS lah ,


ya, ya, yes so those those were the days, so ya I had it for a three I think three years ten months ah about there lah so march twenty-seventeen till uh till recently lah up till recent so it's a it's a very sad yet


err, who say ah it's very sentimental lah cause a a lot of memories has been made in that car, a lot of err, a lot of places that have and that I've gone across the border


a lot of cross border trips uh a lot of uh, purchasing purchasing and all this so ya lah so when uh few weeks ago I actually like like ask for a quotation for the uh for my vehicle so they give me quite quite a high price which entice me


to to, uh call them for viewing ah so a few days later they came for viewing there was this this uh this guy he came then he inspect inspected the car and everything so


knowing knowing me I usually keep my uh car in quite good condition lah, so ya ya this I don't I don't I don't eat don't don't drink


ya so uh so it's already so he went around he inspected the car so there was only I think if I'm not wrong there were two M two major not say major lah skin You scrape is it two major problems and then


uh ya with with with the with the car with the car but the dealer was already upfront about it ah he was saying he saying that okay since we have we have this this problem your car has problems uh I can only offer you this much and he was very very patient lah because


uh uh cause like me my dad and my brother had to discuss it we have to discuss for an because this guy needed the car he needed to know an answer on the spot he we, we had to, discuss ah so he was very patient with us he let us like discuss he also gave us some space give us some space to discuss


then he wasn't very pushy also, which was good which was , and he quite a genuine and was quite professional also lah ya then so we also went for a test drive then test drive also was was fine so there was actually there wasn't much much problems about the car


so, so he gave us he gave us a good a good offer also reasonably good offer we try to ask for more even like, he even tried to fetch us a even a better deal, so uh eventually we we


we agreed to it lah it we thought it was a good offer given the problems that we had because knowing cause I know a couple of my friends also have CRF the same car as me and have had, more problems throughout, , so I know that my problems weren't that severe they were very minimal and they weren't a lot so they wasn't like


like ten or like five or ten parts like they had to be changed or whatever so it was very it was very good lah I was happy elf pleased with that ex like, the the dealer and everything he was very professional and then he was also sorry


I had the option to like the thing is you can sell directly to another person but the thing is that takes a lot more time because you have to start months months earlier lah cause you need to


you need to advertise , ya you need to settle everything like you you you need to advertise your own your own uh you you need to advertise your own car on the platform then from there you need to arrange for viewers to come and then from there they will see


and then uh if I'm not wrong I think certain platforms they have ready-made documents for you you can just print and then you can just do but the majority of the, waiting but is is the waiting for people to approach you and view the car that's the that's the long process lah


, car a car dealer ya it is ah, it's easier lah in the fact that sometimes okay if let's say I sell directly to another buyer like uh the direct buyer if let's say he comes to me with this uh like saying that oh this guy has this issue this issue then I will have to uh entertain


so, ya ya that's, ya like let's say suddenly he say oh okay I uh after few weeks oh why this one spoil I thought you say this one you just change that kind of thing then you have to entertain


so if I like I sell to a dealer then the dealer has already done the due diligence and check and inspected everything , so basically he will now be the bearer lah but but actually my my car is quite old also it's coming up to the ten-year mark so it wasn't used for for renewing COE like it were


just for exportation lah so, so it doesn't really matter lah, and the price I got also was quite good so I'm quite pleased with them also lah, might help me might help me in the in my future uh acquirement of vehicle


uh I'm still looking around lah it's quite ya because this like because like you have a certain budget and everything you have a you have a certain budget and and then


uh no I like, provided he has the same provided he has a car I want lah so given the budget and, and the type of cars that I want I have to see whether he has something that he can offer lah and ah I went to his profile and then he didn't have anything lah so I uh I didn't contact him he was trying to he was trying to uh


get me to view one of his cars and all but I told him I'll check it out and he that that also he wasn't that pushy on it lah so it that was quite good also lah, ya


so like given given given my budget given my ah ya expenses given my dad my requirements yes correct, and given my like and my dad's uh, sustainability


of a job we have to we have to, have we have certain certain cars in mind so we just waiting around for a for a good deal to to come to come out lah


ya, yes please go on, (mmhmm)


I also got a negative experience of the food lah


alright alright the phone oneplus ah, oh


(mmhmm)


there's a old school right, ya


(mmhmm), at the back pocket oh okay kay


ya I see some people put


ya ya, !wow!


ya


(mmhmm),


okay, ya was using Iphone I use Iphone four then Iphone six then I recently changed to uh Samsung I only had three phones in my life ah eh actually four lah four phones in my life


four four ,


ah ya ya ya, ah ya


(mmhmm) ,


okay


!wah!, ya ya


those low low low key hide outfield lah


it's not bad ya I can see ya, stop it,


, , oh she also made the switch ah


she was what phone what phone was she using previously, oh, Samsung


ya Samsung the I think the older versions of Samsung had a lot of issues lah even the note eight had the the battery issue


ya they weren't allowed on planes and all,


oh !wah! this !wah! this scolding


!wah! and it's still going strong


ya it's a very minimalistic UI ah, , but, but , isn't that like same throughout all androids like even Samsung also you can customise


, , , oh, okay


when isn't that much also right, isn't that much or


so it's like Saya transfer of like a file transfer thing ah


(mmhmm)


ya I think certain certain phones comes with comes with these apps pre-installed also,


ya I remember I remember it being I think it was like you had to have a if I'm not wrong ah an invitation to purchase it is it, ya ya


first one, but then now it's uh open to all lah


yes can


uh hi my name is Harita and uh I'm going to be talking about how uh I would uh I'm thinking of investing my money to accumulate wealth


, so I I believe that I would , I I'm thinking of investing more on properties rather than stocks, because a lot of my friends are talking about investing in stocks


but I believe that sometimes stocks might be very unpredictable, however properties if you look at , over a long period of time like over ten years or twenty years uh I feel that investing in properties is a most of wise decision because it's always going to be increasing the value of properties


so that's how uh, I most probably going to be investing, uh in the future, uh apart from properties, personally I grew up in a family where they uh where we invest in


uh, uh things like gold, so I feel that that is another option that is like a second option, of investing my money but instead of because uh gold there are a lot of different types of things that you can uh buy like jewelry and stuff but you can also buy like gold coins


or gold , you know uh blocks blocks of gold so I, feel that instead of buying jewellery which has making charges and GST goods and services tax instead of buying jewellery which has all these


extra uh amount of , uh expenses that comes along with it we can I can invest in like , you know gold coins which has, very low making charge I believe


and and like, blocks of gold or chunks of gold


okay maybe I will consider okay so now now I will be talking about my opinions on, the supplementary retirement, so uh from what I heard is this scheme is basically a tied kind of tied together with CPF


so when you reach a certain age like I think it's fifty five if I'm not wrong so when you, uh become fifty five , uh the government will actually give you an option of putting some money inside uh the SRS


so the SRS is like a separate account from CPF so the government actually gives you an option of putting uh so there's three tiers of money that you can put in, so like I think it's hundred K uh eighty five K, uh hundred K two hundred K or three hundred K something like that


so you can choose to put in some money from the CPF so for example if you have, you accumulated like three hundred K over like thirty years until fifty five you have like three hundred K in your CPF at age of fifty five


so you can choose to put only eighty five K inside the SRS and you can get everything you can get the rest of the money like as cash at the age of fifty five, so three hundred minus eighty five is like two hundred and fifteen K right you can get two hundred and fifteen K in cash but you have to freeze the eighty five K inside the SRS and then this


money in the SRS right will keep multiplying over ten years with uh I think uh interest rate of four percent per annum, it will keep multiplying until the age of sixty five, when you have a certain amount of money I think is around hundred and thirty K then the hundred and thirty K they will actually give you like pocket money something like pocket money every month from the age of sixty five so they will give you probably like thousand dollars


something like pension for the person, so uh so the thing is, whatever amount that you put in the SRS like if you put a large amount you can grow it annually of for four percent, four percent per annum


, so if you put two hundred K inside the SRS account you can actually get it up to like, maybe increase about I I'm not so sure lah but I think fifty to hundred k, you can increase because of the interest rate you can get uh from two hundred to two three hundred or something


but also you're freezing the amount inside the SRS forever, so, the amount will, you can only take out the amount you can't ever take out the amount from the SRS as a lump sum, the lump sum will only go to your to your children or whatever after you know after you have deceased so my opinion on SRS is like


if, if you have other means of , if you have other means of investing right I feel like you can go for the lowest, tier of , of the sum that you you're supposed to lock in inside the SRS


so personally I would feel I would think that I would want to put only eighty five K the current rate that is like the lowest tier that eighty five K I'll put it, uh inside the SRS and then I will take the rest of the money and invest in other things like properties


so if I buy like other properties I can actually rent out the other properties and earn money from there something like that, using that money that I get from the the rest of the money I get from the CPF, so that's what I personally think lah


but there are some people who believe that because of the interest rate, that they gave the high interest rate so I think it's four percent per annum now because the high interest rate if you put in a lot of money it will eventually grow to a lot of money in in the future and it will be of a great use to the next generation so some people think of it that way but then personally I feel like


you know , I would want to invest the money in other resources and , kind of enjoy it for myself lah


I believe it's a good option for people who think about like the, the future generations if they really want to save up for the future generation generation then and they don't really want to use a lot of money for themselves, so for those kind of group


those group of people I think , the SRS, uh you you is is a better option to put a lot of money lah in SRS


ya I do agree because especially in the post COVID world oh I've come to realise that there's a lot of , uh things that we can actually uh save on like especially like I've made a lot of changes to my spending and, saving habits


like because before COVID like we will just go out we will like uh spend a lot of money on bubble tea like eat at a lot of restaurants you know before COVID but then after COVID after all these restrictions on like uh because some of the restaurants have actually closed down like uh the one in orchard


I think the sky the the I I'm not so sure about the name but there was one restaurant in orchard that I always wanted to go and it's like an expensive restaurant, but, because of the COVID they actually shut down, so, there's a lot of things that I've actually


uh, stopped going to like restaurant and stuff, and a lot of uh , food items that I've actually stopped buying like bubble tea because, , if you want bubble tea, you if you like if you want bubble tea when you're at home because I'm like most of the time I went home and suddenly I crave bubble tea and if I want to grab


the delivery charge is like three dollars four dollars as much as the bubble tea so that's when I start thinking you know if I'm willing to spend four dollars for bubble tea but I'm not willing to spend four dollars for delivery charge , that's like I need I need to reevaluate what I'm


my spending habits basically, so, ya so I feel like, after this, uh because of this situation I've really cut down on, like, all the unnecessary purchases I would say or like all these luxuries I would say


ya I agree uh especially like I feel like people should have uh kind of an idea of what they , uh would want in the future like what kind of expenses they would want in the future so that that they can actually plan on saving from the beginning I believe that as students we don't really


I I know that we don't really have a lot of money but , even with the little amount we have we need to try to save as much as possible, for the future so, , so I feel like it also depends on what you what uh ideas you have for the future like because some people don't want children


some people want children so if you don't want children you can go about, saving your money like in a different in different way or you can , like you can afford to buy a car immediately probably after you start working, you know maybe that is the only worry on your mind you don't have to worry about uh expenses when you start a family and stuff so


I think that is something that people need to have with uh like a clear uh idea on , so for me personally I feel, that like, I would like to you know have a family and also you know have a nice


house and a car maybe like in a few years, down the road but , some of the things like what you mentioned like buying a car that that is a huge expense, so that kind of expense would uh, would be wise to make when


in maybe like ten to fifteen years I would say instead of like immediately, so I would say the first ten years of , when you get your job that those ten years are very crucial in saving instead of spending so instead of spending it all with your friends or something it's it's actually more wise to uh plan for your future and what what what things you want in in the future


I agree actually like having a side source of income is actually very, useful, like me personally I've actually started, to have like a part time job I'm actually teaching piano on the side so uh to certain students so I feel like I'm actually saving that money from now on so like in the future I


plan on maybe scaling it further and actually, , uh having like uh maybe more students like after my main job maybe having more students come over like taking more piano lessons and stuff so


that, uh is something that I, plan on doing in the future instead of relying on only one source of income, that is like only only one only one only my job so


and also make wise decisions, when they're (uh) for their retirement yup


negative experience, okay I'll start on by saying uh I can talk about Lovisa, which is uh accessories shop , so


a lot of the things, I buy , in Lovisa it uh it gets rusty very soon, and uh I even though they claimed that it's hypoallergenic and stuff which I buy a lot of things when I don't use it regularly


it gets rusty and , it's not a good experience for me, so I don't I don't, usually get from there anymore ya, and also I can talk about uh this , time when I went to Miniso and I bought this facial sponges from Miniso which were quite cheap so that's why I bought it but I


couldn't even use it one time , it was like it was like I I could I I tried to soak it in water and I tried to do all these things for it to absorb the foundation but it just didn't, ya it served no purpose I could do nothing with it so the money was a complete waste


uh I can talk about uh this time, for leisure and entertainment, when , I think uh we uh I went with my friend , to uh I believe it was, Cathay eh I think ya it was Cathay cinemas


and we actually made the payment already we we made the payment already and then we actually saw uh so it was actually a person serving us like a like a person , do uh doing the payment so it wasn't like automated we didn't we didn't do it as an automated payments so there was actually a person get uh you know receiving our credit card and then making the payment right but


uh he actually so , there was actually a signboard uh like, further away it wasn't it wasn't at the front so it was actually in a corner or something that said uh oh you can use grabpay and then get like one dollars or two dollars off or something but I think they they should have put it like in a more clearer sport or in a in a place where


you know customers can see it immediately because we had grabpay and we could have you know pay it immediately but, you know, because we didn't see it we paid it extra for no reason because we we were actually qualified for all their uh you know uh conditions and stuff so that that was a very negative experience because we already paid and then we saw the signboard and then obviously we have to go along with it we we already pay and then everything so


uh so I think a lot of establishments, whatever promotions that they have I feel like it should , they are promoting something so it should be more upfront should be more clearer to customers, so that you know we can make a wiser decision and we can actually use the promotion


I can talk about uh this uh , uh personal care and cosmetics shop called Innisfree, so , I believe uh one or two years ago there was a like a lot of hype on Innisfree because it just open in singapore and everyone were buying and it seems like a pretty good uh you know like a pretty good uh shop because you know they were korean products and you know korean skincare is


is like assumed to be very very , you know very good and stuff, but Innisfree products, they make people break out like crazy like they give acne they give a lot of acne and uh I don't think they cater to sensitive skin types


and I don't, think they cater to a wide variety of skin types actually , so , and a lot of things that they that they say that they claim to do I don't think they actually do, much of a difference and the I I remember when I went there and uh I actually asked the person there because they have a lot of representatives walking around and uh you know uh


I I I believe they are very very informed they should be very informed in what they are trying to sell and what they are trying to promote but when I went and then and I asked if a certain ingredient is an a product they didn't know, and uh the ingredient is not uh


all the ingredients aren't listed openly in Innisfree in some of the Innisfree products so some of it is in korean some of it are are not everything is in english and when I asked they were like oh what is that ingredient oh I don't I don't know what what is that ingredient and stuff so that that was a very negative


experience for me, and , product wise that was also not very , helpful for me because, it it didn't do all the things, or at least some of the things that the products claim to do


like hydration, I I I don't think it is I don't think the value for, the products the the money that they I mean the value that they price it I don't think it's, like valid because , I can buy a cheaper product like


Neutrogena I would say Neutrogena is like, some, somewhat cheaper than Innisfree but, Neutrogena works, the same or even better like uh for me personally is like much much better than Innisfree and it's like, cost way lesser so


uh ya so Innisfree is like something that I avoid now and I think a lot of, a lot of my friends also say the same because initially there was a lot of hype so everyone kept going to Innisfree and everyone bought it because it has a korean skincare is a new korean skincare authentic korean skincare line that kept opened in singapore so everyone wanted to try but a lot of my friends like now they are saying that you know it's not it's not a good


uh, product for them to use


actually ya a similar thing happened for me also at KFC so the same thing happen where uh a lot of grab orders, uh I think there was there was some, problem with the system, so uh people so because you know in KFC there are they have like displays and stuff where you can like you know


you don't have to go to the counter and tell your order you can actually, uh make your order on the display itself so it's like automated so I think the automated ones weren't being recorded uh in their main system or something and then there were a lot of grab orders also so there was like a lot of mix up and then I got my food like


I think it was twenty to thirty minutes later so that was a bit, that was a bit of a disappointment there ya, and , ya like I had another negative experience at Koi the bubble tea shop


where, so this was actually this is actually after COVID, after COVID so I, I'm physically at the shop and I'm trying to buy Koi so they they have the screens also they have the screens to, make the order so you can make two two choices you can actually go to the screen and make the order or you can I believe that you can go up to the counter and tell your order also


right like that that is how bubble tea shops work but then when I went, to uh, when I went out so we I was actually queuing up I was actually queuing up and uh when I when it came to my turn somehow the lady could actually somehow the the person serving me


she could take the order for the person in front of me but she couldn't take the order for me and she ask me to queue up, queue up to the back, queue up to the back again, and at the display she didn't want to take my order and I I have no idea for what reason


or she just didn't want to take anyone's order or something but, that was such a negative experience and and she didn't even say politely like I, I I understand maybe there's some issues with maybe you have a lot of orders maybe the you're like swamped with orders I understand but


at least you can say it a bit politely lah like you don't have to be like you know oh you go queue up there it was like it was like very very you know, rude tone so I didn't even I didn't even end up queueing, I I didn't even buy, that that day I just left


because I was so disappointed and I was so taken aback at how uh they were , uh you know treating some customers so, I think uh it's very crucial that in not just the product


it's it's very crucial for not only the product to be very good but also the, people serving and the customer service should also be, uh at least at an acceptable level


I actually have a bad uh experience with shein you know the online shopping platform for clothes, so it it's a clothing uh, uh platform so, I actually bought a few pieces of clothing and I think their size chart was way off


what I'm supposed to be uh what I'm supposed to be measuring so, I actually bought a XL for myself according to their size chart but in reality I was actually an m, so I had to return uh so out of the six pieces that I bought six pieces of clothing that I bought I had to return like five


so and the returning they don't have like pop stations like zalora, uh because I think zalora has a few pop stations, where you can just uh drop off your , drop off your uh post the post and you don't have to pay for any shipping fee to return back


so they have all these stations which are like easy for easy returns but for shein you are able to return but it's not easy at all so you're supposed to go down to singpost yourself, and pay for the, delivery charge yourself to send back to uh hongkong I think and that delivery charge came up to about twenty dollars


so that, that was almost almost as much as half the price of all the items, that that I was supposed to return, so I was only able to get back like, half the price, so just for trying them on I had to spend like


almost half the price of all the clothes, and ya so this was, this is apparently their policy, but, I it's not just me that's the thing it's not just me having this negative experience it's like a lot of my friends


who have sizing problems because for clothing you can't guarantee that you know, the size will like fit, very well and I understand that like, like, it's okay I'm not complaining about the sizing for online shopping I'm complaining about the returning policy so the the return policies should really be reviewed once again especially for a well known online store like Shein because a lot of my friends are shopping at Shein so


if when you have like a a lot of customers, coming from a certain country I know Shein is based overseas but when you have lot of customers, in a certain country I truly believe that you should, uh rethink , some of the some of the things like written policy because for especially for clothing services


ya so, ya that that is one thing and uh ya another thing that I can I can talk about is , Cotton On and like some a lot of the shops like Cotton On Love Bonito Pomelo all these shops


they don't have a wide variety for like sizing and stuff because it's usually their sizing don't cater to a lot of body type and , I've had almost, negative I've had negative experience with almost all of the shops that I mentioned because I will go and


try on, this clothes which seemed to be my size but it doesn't fit and only in certain places, so ya, that's a very negative experience for me


positive experience okay, okay I can talk about a positive experience that I had with HP customer, service, so I I've been having this laptop for


uh, actually HP in general actually I have been having this HP laptop spectre notebook laptop spectre three sixty laptop, for almost uh four years already and it has been going smoothly without any problem but occasionally with uh just uh ya with without any problem and I actually wanted to upgrade it from uh eight gig ram to sixteen gig ram


uh recently because I I have a lot of applications going on so I actually want to speed up my laptop so I called up the HP customer service because I didn't know if my uh laptop is compatible to actually upgrade it


so I call them up and I actually told them about my situation and about my laptop and initially the the, the person on the customer uh uh the the customer service a lady she actually didn't uh tell me about this uh whether it will be compatible or not because she said that there was another department handling uh this


uh, this uh particular product and then she told me that she will call me back soon, so I waited and waited but it was actually very very quick it was like within three or four minutes I had I got another call immediately from uh HP but it was another lady talking this time and she told me that


she told me very politely about all the details and everything like she told me about the facts and what uh what is, uh compatible and what is not and whether it uh it is in the motherboard or not and then she actually explained it to me clearly that it's actually not compatible


but even though it might sound like bad news the way they handle this whole situation was such a pleasant experience for me like the way that they call me up and then immediately like I didn't have to wait at all so, and ya so I think I think that was


uh one of the positive experiences that I had


ya another positive experience that I had would be uh with a clothes shop called temt here so I I believe that is uh shop that they sell clothes at a really affordable price and they have a wide variety of selection of clothes uh women's clothes


and I believe like uh there are a lot of there are a lot of clothing shops in singapore but I believe that temt is like the one shop that I always find myself going to because they have clothes of all sizes and all body shape


they they accommodate for almost every body body shape and body kind there so, , compared to other other shopping other other clothing stores, I feel that uh this shop because it's also affordable and you can also find a lot of selection for yourself so that is


one of my favourite and I I always have a positive experience uh in temt and I always get around five to six pieces of clothing wherever I go there, so, ya that that is something , and uh another one


that I might discuss is uh a bubble tea experience, in , with uh Liho, so uh uh positive experience I would say is , the customer service there


is uh quite good they're quite polite compared to other bubble tea shops, and , I believe they're always coming up with new flavours new products so that is also a good thing because you can always, uh there's always options to choose from there's always new options


you know you don't always get sick and tired of, choosing just one, uh you know kind of uh, milk tea or whatever and they also have uh a lot of deals and promotions I believe like uh they have a lot of student promotions


so uh that that is always going on I think uh almost almost like all over, all around the year so uh ya I have a very positive experience with Liho


for personal care cosmetics I think their skincare line is amazing , I think they especially because uh for people with sensitive skin I think they have a wide variety of things that you can use like sunscreen moisturiser you know uh face wash and everything I think that is one of the top


products that, uh caters to, sensitive skin, ya that will be for personal care and uh with dining experience I would say I've uh been to this water boat uh


dine uh water boat restaurant I think it's called the singapore water boat restaurant, , it it it is kind of a fancy restaurant so the the, uh the course there is like slightly marked up a bit high but


it's still lower than other places so I I think it's still under hundred dollars for two people, and , the the ambience there was amazing and the service there like the people serving you know and everything there there was very very good also and


uh the serving portions, I thought it would be very very little but, it is actually very very big for a fancy restaurant so it's actually very filling, and , the taste and the presentation was also top notch


so , and they also have uh I think, they have a lunch promotion deal at their restaurant, so uh that, I think that was the one that I went for the lunch promotion and uh ya that that was


uh I would like to discuss a positive experience that my parents had when they uh were online shopping because of this COVID they had to online shop uh groceries, so they were actually , buying this uh brown rice uh


which has like low GI and it's actually made in singapore I think the brand is called Natural, ya I I'm not so sure about the brand but ya the brown rice so they didn't uh so they ordered this one five KG bag of uh rice


and uh it said that it will it will come in one day so it was guaranteed to come in one day actually but then uh it didn't come in one day and uh when they called the customer service , for uh to the company the they actually responded saying that they don't have the stock even though they had the option online


so uh they actually apologise and then they offered to actually give two bags of three KG rice so initially they only paid for five KG they only paid for five KG rice but they actually uh offered to give three two bags of three KG rice and deliver immediately


so I think , that was a really really positive experience for my parents and I was actually very very surprised that they were willing to deliver immediately


oh I can actually discuss a positive experience my dad had just uh very very recently with Singtel so uh we we have been having uh problems with uh , uh the Singtel wifi for quite some time like almost a year we had problems with the wifi because


it kept going on and off like uh the connection with our devices so it will say that it's connected but then the wifi would actually not work so we were like is it the problem with because maybe it's like uh we're further away from the uh


router or something maybe that that was the problem so we were we were guessing that that was the problem cause we are far away from uh the router the room is very far away but then uh the problems became worse and worse like, over this COVID period and we actually had to solve it because we were you know we are working from home and stuff so he was like he called up Singtel and then he was saying oh we have like problems


and they uh asked us to, asked us to do a speed test, on our computer and uh give the, statistics to them, and uh when we said that they were like oh it's actually very very low so they they offered to come down the next day itself


to come and fix it like uh send a representative over to come down and fix it, uh so the representative came and I think he only spend about twenty to thirty minutes it was a very very quick process , uh very hassle free and there wasn't any payment involved either because uh


uh I think some of the telcos they actually uh ask you to pay for uh, so like any , uh anything to do with service and stuff but there wasn't any payment involved so , it was very hassle free it was very quick and , the wifi is


uh amazing there's no problem with our wifi now it's very fast also so, that's a very positive experience


uh I can discuss about uh, uh training that I went through which is called uh AI for industry, I went through recently, uh it was fully online and there was uh it was like own time own target so you can do whenever you want and they will it went on in a span of one year so it give ample time to for us to actually


do the course and I think uh, ya like they give a lot of time to complete so they were actually taking into account you know people who work because this course can be done by people who are working or people who are studying full time studying so uh and there's also a lot of incentives for singaporeans it can be fully subsidised


by IMDA and stuff so I think that that that's a really uh positive experience for me and also , because of the one year thing because they give a lot of time I think , it's very positive thing because it gives us a lot of time to complete it even with


like we can juggle a lot of things and also do this course which is fully online ya


okay, personal finance


oh okay so hi I'm Nishan so , I agree with your point on point that in uh properties are good investment for the long term uh and properties have grow but I also believe that uh stocks uh can be a good long term long term investment uh especially if you do research on


the companies that are doing well and I know there's this uh thing called the SMP five hundred which uh holds the, which is basically a snapshot of the stock market of the top five hundred companies in the US so and you can see from the past trends that this index is always going up so it's always increase in increasing in value in the long run and this can be good to invest in for the long term


and uh and I agree that uh I think , part that can be risky is this uh is day trading where you, uh, instead of just putting in your money and waiting for a few years you just uh trade every day so you look for small spikes in the uh stock market or small dips and you try to capitalise on that and uh this can be very risky and


this, but I believe this can be a lot more rewarding if you if you do proper research I believe like the you can, have a much higher returns uh for example I think uh, if you invest for long term normally you'd expect like a few percent uh three or four percent investment but uh with day trading I can I think there are people who have gotten


uh twenty thirty percent consistent returns, ya, so I think this can be a option that you can consider


oh okay ya the SRS is interesting I I only recently heard about it so, ya the interest rate is uh pretty high but ya the huge downside is that uh, you are freezing that amount that you put in so , and the problem is there's uh also CPF which is already freezing a large proportion of your salary so


so I think it all comes down to whether you want that flexibility, uh with your money or not so you have to consider whether, whether you think you can make better use of the money, by if you think you can make a, uh higher returns by investing that money in other places then you uh shouldn't opt for the SRS I feel uh but


, ya but four percent is uh it seems like a good amount I think it'll be, it might be a good option for a lot of people


yes I agree ya okay I I also uh like to talk about uh another important very important topic in personal finance which is uh like uh having the habit of saving and uh ensuring that you meet your saving goals so


ya uh many people talk about uh if you want to uh investing making more money but, uh I believe people should also focus on uh how you you save the money that you uh have because uh even if you make a lot of money and


but if you spend it uh all then uh, then it's it's not good like you won't have uh enough money for the future so you need to have a, you need to have a solid plan, in place to make sure that you you have , enough money for the future and


personally how I go about it is I I set a a monthly savings uh, uh savings target, and I make sure that I I save this amount every month, and uh I I go about doing this by , making sure that I


I don't uh I spend on needs rather than wants so for example , , let's say there's a new new uh iphone or a phone that I I really want but, I realised the for my use case it's not necessary to spend that much


and I rather save that money which is uh, which is a much better option and uh , as not not only for big purchases but for like small purchases also, , like daily purchases like uh bubble tea


, uh drinks you can you can save a lot of money by cutting down and on on on those and , ya and and food and beverages especially, if you eat out you can uh easily spend uh fifteen twenty bucks on a meal and uh this can really add up over the course of the month and


instead you can opt for eating at hawker centres or cooking at home cooking your own meals at home, and uh this can uh actually save you a lot of money


ya I agree and uh ya that point about the delivery fees also ya I feel the, I mean the delivery fees I feel they are justified because they have to pay the, the delivery riders but I think, we can uh really cut down on a lot uh uh we can really save a lot by going out to purchase instead of uh uh delivering in unless we need to


, okay uh I'll start another topic about uh like planning for big ticket expenditures like starting a family buying a car and house so, and I feel


like for big ticket expenditures you really have to prioritise uh what you want so , so early on when you're just starting out and uh you get a new job and your salary might be uh lower and so you need to


, so it's it will be unwise to like immediately go for a condo or landed property or something as very expensive or getting a car so I think it's better to maybe like start off uh get a small maybe uh three room flat first then uh you you start saving up


and, and you start investing your money and in the future maybe ten twenty years down the road ya maybe ten years down the road when you have , significant amount of savings, uh then you'll be able to, , uh you have the means to purchase like a car or a better house ya


and uh ya and uh while saving I believe you can , also try to find ways to , earn extra income and uh improve your income level so and, I think a main way of doing that is uh constantly upskilling yourself


and , constantly learning even after you graduate you find a job uh you shouldn't like uh settle on, on the first job itself and maybe you try try to upskill yourself uh , uh try to explore various options even consider


uh doing a, part time work uh outside of your job uh, because your main shop your main job shouldn't be just the the only source of your cashflow, uh and nowadays it's uh, uh there's things like Ecommerce so you can actually set up a Ecommerce websites on your own it's become so easy and so you can


for example you can purchase, very uh items for a very cheap prices like a few few cents and you can sell them for a few few dollars and you can earn lots of profit from doing that, ya then I've seen uh many videos about self-made millionaires who have uh


use this uh Ecommerce strategy, to, earn uh so much ya


okay ya so just to wrap up our discussion ya uh basically the , the main points are that we should everyone should be saving uh money early in their career and


negative experience


so I like to share about uh negative uh experience that I've actually had at hawker centre, , ya I mean at at a hawker centre you would you wouldn't expect , a very very good uh customer service so


but uh I mean I believe there are certain, things that you should at least for like being courteous and, uh so what happened was I actually was at this queue at a stall, , and uh I think it was during rush hour so there were a lot of people and those uh some people behind me as well and


so uh while I was uh in the queue uh a person behind me actually said out his order first, and uh in chinese so the the , the stall owner was actually in chinese and uh, uh he actually has responded to the person behind me first


instead of uh taking my order, and I I believe that is really bad experience because I mean, uh, uh they they shouldn't uh uh discriminate then they should serve all customers , equally and not not discriminate based on anything


ya I've had a similar experience like that also !huh! where the the options that were available to me uh weren't weren't weren't clear so I ended up, wasting money, when I could have , use the promotion instead ya


so I also like to share about , uh this experience where my friend actually ordered uh something online, uh I think it was a watch I can't remember where it was from but , uh basically due to the COVID pandemic the


they were unable to deliver the watches, to singapore but, uh and and my friend had already paid for the watches, so uh and, my friend uh actually emailed them multiple times asking for the status of the order and uh they they didn't reply at all and I I think it's basic courtesy to customers to let them know the status of their order


ya and, that was that was really bad experience so, and I think uh, uh till now the order still hasn't been confirmed yet, uh they still haven't got gone back to them so, ya this


the problem is there are so so many establishments uh nowadays that it's uh it's hard to, uh, it's hard to tell which is which are the good establishment so I I think it's uh safer to stick to, like certain uh well well established uh online shops such as uh


uh Shopee Lazada, where it's a there's a higher guarantee that you'll uh get your product in time and if not they will inform you of, uh why they cannot deliver the product


think I'll share about uh experience I had at a bad experience I had at uh burger king, so, uh actually me and my friends were there at , I think during a rush hour uh and we we are dining in, so we uh ordered our food and


and we expected our food to come in about maybe ten to fifteen minutes at most but I think for that time it actually took about more than half an hour, ya and, and it was because there was this uh huge uh


uh queue of orders uh delivery orders because I got I got see , a Grab delivery guy uh standing there uh collecting his orders and, but I feel that , restaurants should prioritise dine in customers over delivery customers because


uh imagine you are if you're a delivery I mean personally if I'm delivering uh I mean if I order delivery right I wouldn't be , that upset over a ten minute ten twenty minute delay as compared to dining in, because when you're dining in it's it's essential that


that you get your food as soon as possible, ya and uh, ya and ya the I think that's uh quite important for , quite important like uh consideration when they should


uh for for customer service, ya for oh for overall a better experience ya


ya I agree with that, okay , I I'll share about , a bad uh negative experience for a product that I use uh, , is basically my Dell laptop uh, so


so I got this uh Dell laptop uh, which uh, uh which was uh supposed to be, on I I saw the specs for the laptop, and it was supposed to be a really high spec laptop and uh I actually bought it


uh so, but the actual experience was uh quite bad because I tried uh running , running some games on it and uh, it could not handle the load so I actually I read up on forums and uh I I googled and apparently a lot of people had the same problem so


uh I was quite surprised so, I feel that , I mean companies like dell they're very big company they they should, actually test their, products uh thoroughly to make sure that, like, basic problems like this uh shouldn't exist ya and there were also multiple other problems with the laptop such as


the trackpad, uh there's actually a layer of a layer on top of the trackpad and it started uh peeling off soon after I started using it so, within about uh, one or one plus year of using it it was already, almost completely peeled off


and uh there was another issue with the keyboard, uh where, uh some of the keys uh couldn't work, unless I uh, press the press then held the keys so and all of these problems were actually


, quite widespread because I looked up uh forums and a lot of people had uh problems with these so I mean, , if it was just the problem with uh my laptop alone maybe , I could have gotten a faulty model or something maybe I could have gotten a replacement but


uh this is this is a widespread problem which is quite surprising because, I feel , big companies like this should really make sure that their, uh products are , on an excellent condition and uh make sure that they're tested properly ya


ah okay so I I actually like to share about , uh my brother's uh positive experience uh in , uh, basically he was uh he wanted to apply for this uh online course because


currently he's uh in between jobs and , he wanted to uh go through this course which would allow him to upskill himself uh learn about uh some software engineering uh topics and


uh ya and so that he can uh he has, he's able to find his next job so but the issue was that uh he he already had uh some experience with software engineering, and and a lot of the


and the the course was also covering like introductory uh topics so, uh he felt like those those, parts of the course were unnecessary for him because he already knew uh everything so he actually uh called up uh the person in charge the course to uh ask him about the uh his thoughts and and the person in charge actually surprisingly told him that


like it's it's not a recommended him for him to join this course even though he was he, uh, from a business perspective it makes it makes sense for the guy to sell his course, uh to customers to try to get as many customers as possible but


uh he said considering my brother's uh situation he actually suggested uh other other courses available that would actually be more suitable for his uh level of experience and he, also uh provided another alternative that he can uh my brother can just


, uh not uh not go through the first the the introduction part of the course but, he can actually join in for the later parts of the course at a lower price which was uh very surprising for me


ya , and I feel that , ya people like this who, just uh who focus on the, customer uh the consumer experience instead of uh just focusing on making money it's a it's it's really good ya


ya then I'll talk about my uh positive experiences with a mcdonald's so, I I believe that , this this is a, mcdonald's is always innovating and it really stands out from uh his competitors I feel because


they, uh basically they had they created this mobile app uh where there is always uh promotions or deals and the and the deals are really good and , and there's always as a different deal for every every day so so different people it caters to different people so different people might want like different items on the menu


so they can go on the day that they want to get the uh deal for that uh item, and ya this, really helps you save a lot of money and , , and I had a a good dining experience at the


uh mcdonald's at uh buona vista and I because they made it like kind of a restaurant uh, concept it it feels more like a proper restaurant rather than , than just a fast food place because uh , the the aesthetics are really good and


and there's also this , option to let the uh waiters come and , uh serve your food on your table and uh this is uh something that's, not available in a lot of the other fast food restaurants and this uh really


differentiates them cause you you feel like you're getting a proper uh dining experience without uh paying the premium price for it, ya ya that's why they're good a really good experience


oh ya so actually I've also been to the water boat house ya and they they have this uh, lunch uh a promotion for three set meal ya and , and this is that was really value for money because


normally if you go to a fine dining restaurant you'd have expect to spend uh , more than a hundred dollars per person, but , I think restaurants like this it really , bridges the gap between , like the fine dining and


and the prices that, uh people are willing to pay, so this, this makes it more uh accessible for everyone to try out fine dining, and ya that's really good ya and


I also like to share about , uh one of my friend's experience with uh apple uh customer service, and uh I know apple is , uh notorious for having a, very high prices but uh


after this experience I felt that was justified for the, for the customer service that they uh they provide because , basically he, my friend bought this uh bought this macbook and , he had some uh issues with it because it was one of the lower end models because so when he was uh running his applications uh it was uh generating a lot of heat and noise and it wasn't really suitable and


so he contacted the customer service uh basically there's this uh I think there's this this chat bot and, on their on their website and they replied almost instantly, they got back to him almost instantly and , they told him that, that he he can simply just


uh return it and obtain new new macbook uh, instantly he can just , he can just upgrade his macbook to a higher end model and uh receive it instantly, and uh this was a quite surprising to me because uh a lot of companies I know they don't have


a refund a refund policy uh as relaxed as this because , once you buy it it's considered like you've uh used it it's considered a used product so I was uh, quite surprised that they was were willing to, take it back and replace it for him so easily


ya uh and I like to share about my experiences , in uh thailand uh basically I I uh I stayed at a hotel in thailand and uh, customer service there was uh really good, and uh


and I think it's it's not just the hotels but like , uh establishments in thailand in general the the customer service was really good they really, focus on , making the customers happy instead of uh just treating it like their job they really go the extra mile to help people


ya and , , for example simple things like uh greeting with a smile, uh saying thank you all that and I think small uh gestures like this uh really add a lot to the experience


, ya I feel that uh, all establishments should uh try to adopt this kind of service


think I'll share a positive experience I had uh on an uh online course in uh Udemy , so I believe uh actually a lot of the, courses in in Udemy are really good quality and it really, uh


makes it easy for anyone to get access to, uh quality education, and , and I feel the courses are really interactive so for example I had this uh problem with my I was writing a program and I had this problem with my code that I really couldn't uh find the solution to and


uh I actually, uh there's a system for us to uh chat with others, and uh uh get feedback and, uh so I posted my problem there and like within a few hours I was uh I got a solution for my problem and


, and ya the it's so interactive that ya it it makes you wonder like why uh if this can replace uh physical lessons completely, so, ya online lessons uh


ya on udemy are really uh very close to, the the quality of these lessons are really very close to what you would expect from a uh top institution ya so ya


hi my name is Avantika, oh sorry personal finance, , hi my name's avantika


, Suba do you want to introduce yourself, , so how do you invest your money to accumulate wealth uh actually I don't invest


err, I mean except for the, stash away that one I just put some money in and I hope that it gets me return because I'm not a I'm not very experienced in in investing


actually ya for me I am uh guilty of, the shopping part ya I, thankfully it's it's okay not thankfully when I spend on shopping it's usually because I'm shopping for others, when I'm shopping for myself I'm still quite stingy with the money I'm like okay do I actually need this do I want this and stuff but when it becomes like friends birthdays or like you want to give someone for something I go all out I can spend up to sixty to like seventy dollars on like one birthday gift


but my pocket money is, in the lower hundreds, err ya so I've to be frank but it's in the lower hundreds like, including whatever uh loans, uh study loan I take a study loan from the university so I do get some money from that but including all of that it's still


like lesser than five hundred dollars so spending sixty dollars on a gift is just not right, but, ya it's justified because it's for my friends, so I actually don't feel guilty about it I don't, I know I spend a lot on it but, I I don't feel like I need to cut down on it


because , ya it's for my friends it's not for me I, also spend money on food but food I can keep to a value of lesser than two hundred because uh you know, I live near school so sometimes I just


come home and eat, ya some lucky in those ways, uh, so I think the next question I want to talk about is how do you manage your cash flow, how much of your income is allocated to savings and all that


, I don't have an income but I will gauge my pocket money and whatever I have to be income so it's about is lesser than five hundred and I do not, uh consciously save at the start of the month, but I do invest at the start of the month I'll put some money into investing


about uh, twenty percent of it and then I try to do my expenses with the remaining eighty percent and if there is leftover then I will uh try to then I'll save it but even then I don't save it in a separate account or anything I just keep it in that account so


it gets used up let's say if in the following month I I need more money than the saving gets used up there's no, specific savings account that I have, ya so that's it's just twenty percent for for investment and oh insurance


yes , I do spend some money on insurance I also spend another twenty percent on insurance, it's actually this is a life insurance, under Aviva if I'm not wrong , uh but I'm not too sure about it specifics my father got it for me and then he just said pay for it


so that's what I'm doing


do you want to choose the next question


actually uh it's similar uh for me I only my parents only will only give me pocket money like five years ago you know we were still in secondary school so I'll only get pocket money if I gave them like a list of what I spend my previous allowance on like down to the cents


so that's how I get my next pocket money, but then uh when they first gave me my ATM card right they already save some money up for me , but so what I did was I just would not give them the the accounts of the previous month and I'll just try to sustain on the on the amount that was already existing so obviously you can imagine right it just depleted like very quickly like within like six months


like I used up all the money cause I was like oh my god they give me a card, so that was when I got my ATM card basically, ya and uh, I think that really is one of my biggest regrets because the amount of parents saved up for me if I had been conscious of it and I had continued like you know actually giving them the accounts and not using dipping into that money I could have started off with like


with like, you know a foundation but when I after A levels you know that's when I first started to work and gain money uh I had to start with like zero dollars in my bank account, you know and then I saw some of my friends some of them had ten thousand dollars in their bank account can you imagine you finished A levels and you have ten thousand and it's literally it's only say from


like whatever their parents like their parents save for them and also like their own pocket money and it's not impossible so it's it's just something that shocks me ya, okay so uh I choose the next one, , do you think one should own a credit card


I don't think someone should own a credit card, but that is that I understand comes from a position, where I am not trying to buy a house I'm not, trying to look for any house housing loans you know I hear about credit card , there's some credits that they look for inside like if you keep on paying your your loans properly instead of I don't have to worry about all that


so for me at this age the only thing that I use like I used my debit card to do online shopping, that's enough so for someone who is probably doesn't have major spendings like a house or like a car I would recommend them to not get it


ya, and it's also because, when you first get a card I feel like, you get very excited about it it's a card and, you know that you shouldn't spend it but , you know you it just it just happens without you realising yes


eh wait wait I just add on a bit more to that question, to the one on credit card or or ya cause , recently I joined the DBS telegram group, you know where they put it's for students only lah they have a few promotions that they put in there and they actually have this student credit card which they have been encouraging people to sign up for it has like cashback and stuff


but you only get the cashback if you spend a minimum of five hundred dollars a month using their credit card, so, it's like I understand what I like the cashback idea seems like super cool and like and like I think they were promoting it with airpods or something saying if you get this you get a chance to win airpod


so, ya they are really, gearing towards students but my recommendation is don't, why would a student have to spend more than five hundred dollars a month, ya, okay you can go on with the next question suba


now I'm thinking when you mentioned like context and all that stuff right and like thinking about the future actually my grandfather was a banker, but like he's a banker in india so, when I was born he started this saving plan for me it's it sounds similar to the one that your brother had but imagine like


started when I was born I mean when I was around two years old so it means in in like, now I can actually withdraw it and now I'll get money, so actually I don't know how to do it, exactly because uh , the bank is in india and I'm in singapore and I'm not an indian citizen so I don't even know how I'm going to work that out but


I'm saying that I think that he really thought ahead I mean he's not alive anymore but !hey! I'm still reaping the benefits of his of his planning twenty years ago, and uh I think, for me the the question on financial commitments for an after marriage isn't the applicable because


I haven't thought about being in a relationship yet so I'll just, go into, the post-COVID world what changes am I making in terms of my spending saving habits so I have you know I I wasn't working before COVID also


but right now because COVID we have our classes are all in, at home most of them at least so I'm able to save a lot of money, like in whatever small amount that I have, I don't have to spend on food anymore, I unless it's like I go out with my friends that kind so I'm getting at least like


a hundred to two hundred dollars that I can put into my savings so this one is a consequential change it's not conscious like oh I decide and I'm going to do it kind but something that I have been thinking of is actually you know you uh spending more on investments


you know because, I feel like the money that I'm putting into the insurance while it's useful, it might it will be useful in the future there is some other types of insurance which I'm, very hesitant about like uh that is the kind of critical illness one


like do I should I actually start buying it now is there a likelihood that I will, I mean okay that's why it's called critical illness you know like uh it's possible that you will randomly get it but is it something that I want to invest in and we put my like insure myself against like


ya it's, I think it's probably because that our parents have a different view to them illness is something that they really are worried about you know because they are old getting older and stuff but, ya I think right now that is not my priority what I would rather put it into is ya the life insurance


and maybe into our education into insurance I've heard that there are those, where like you can put a lot of money into put some money into it and then when you take it out you can use it for your higher education something like that


for CPF you talking about MediShield is it, (mmhmm) that's that's cool, I think uh I've used actually, I realise this one I'm not too sure but I don't think I have a MediShield because I uh


I didn't I didn't get any work in a place which give me CPF contributions, because it was part time and what not but then when I had to pay for some, vaccinate vaccination, my god I cannot pronounce vaccination they actually


they actually let me take from my parents MediShield or Medicare so that was something which I thought was quite, good like they do think about the the younger people who are not able to do it but at the same time it's, it's like uh technically my parents' fund and since I'm under age can't they just pay for it you know


, I think too much of the government, so err let me just take a look at the questions here, what do you think of fire


oh no I was going to look at question seventeen but only have twenty seconds so I'll be fast, what do I think of financial independence retire early I think financial independence is important I don't think retiring early is that important, because personally uh


ya you give me my independent, but what, you I feel like you need to keep working to like keep yourself active even if it's not like work ya (ppl)


negative product review


that is intense , !whoa! I don't think I've had, that bad experience my worst experience with Grab was with food delivery they was supposed to deliver to me to my house and then it came to my house


there the app says that my food has arrived the app says the the driver has delivered my food so I'm just standing at the front I'm like is the driver lost because he isn't there I'm waiting five ten minutes fifteen minutes twenty minutes then my parents are like you know what I don't think he's coming but I was like but then it says the driver already delivered the food he delivered to another block


but like you know the door numbers are, are different for even for each block, and I'm like what so then I just call , I think it's great you know what actually wait now I'm confused I don't know whether it's Grab or Foodpanda it's one of the food delivery then I told them hello my food didn't come


and this one right I was actually ordering from like quite expensive place , it cost like eighty dollars, you know for one meal for the family and okay it might not be expensive to some people but, I'm a student I paid for it eighty dollars is not the amount you pay for one meal and then they refunded it back to me and they were like oh do you want to order again and like would you do that I mean it just just ya so I didn't order but ya ever since then I haven't use Foodpanda


I only I use grab food or I just don't I I just go down buy from the food court near my house why risk it (hmm) oh have you had those kind where the food comes but it's billed,


, ya , he's ratatouille the rat cook ,


and I have like that at a restaurant itself, we went for my father's birthday can you imagine the salad had some weird fly thing on it, so we ask you know we we first got it then the salad had something weird so I looked at them I said there's something in my salad so they made it for me again the salad still had it so I send it to them and I said give me something else can you imagine you're eating the second time and you see that the thing is


the the the the bug wasn't very clear it was like either green or clear, so it's like I only see it when it's like I look at it like close-up then only I see it, but it moves so when it moves it's obvious when it's just like that you don't know so I could have eaten a bug or two I don't even know you know like


but ya but ah, that's my mom when I eat ants because the ants enter the sugar right then she say just eat, just eat it's fine good for the eyes , cannot complain for the mother-service so just eat that one


(hmm), you bite outside it,


(uh huh)


ah you I have a lot of courage to say that, ya especially when you're a student, I'm thinking of services like, do you know those that people who come to sell like in front of your house


ya it's like in front of my house has like, they're very persistent, and some more you can't go away or anything because you're inside your house, you know it's not like the insurance agent the outside the MRT when you just say sorry then you walk off you know so


it's like it's so bad to the extend my my family right now if anyone comes also knocks on the door is like we will check and then if can see that someone trying to sell something you would like switch off all the lights then go hide inside , no I tell him when it's like they're so persistent and


some of them right is weird someone trying to sell us, , the fire extinguisher, you know, ya and like okay I understand that having a fire extinguisher is helpful but honestly I just don't want it in my household and then it's like


I understand why they they they they are told their are taught to not take a no as a no they're taught to persist because I because I also join this MLM company for a while and that's why they taught me but like no no no just stop persisting it's so annoying don't do that in front of my house I'm scared of you all now


I think


, oh your dad really nice I feel like that's my everyone in my family we just avoid confrontation we're just like


thank you you're doing a good job just not at our house


have I ya ya so I used to work at Starbucks and so when I work there they cannot, come ask for uh service for like donations within Starbucks property area so my Starbucks actually had a inside area which is like inside no aircon and an outside area so the person will come very often and ask the outside area especially on sundays when a lot of people are sitting down and they study it's like it's like a hotspot for study and so


I was that was like my first week at Starbucks ah and then the manager there's like the first things she tells me go tell the person that they cannot sell here so I just go at the person and say sorry you cannot ask for donations here, you know and like


and the the person firstly rolls my eyerolls the person rolls their eyes at me or what not but I felt so angry and annoyed and sad because the customers were looking so I was the mean one like hello she disturbing I ask her to go away and you look at me like !huh!, cannot donate here dot dot dot okay okay back to this negative product review I'm saying the customers are the negative products joking


uh (ppc), I think


, , (hmm)


oh I got I just thought of one, do you know the those which like to who like to sell the hand wash or like they'll sell some salt, and then they would they also it's like body it's like body shop like that but then this one is like it's more it's more Atas


so I don't know why they approached me like I I don't do I looked like I had money one bottle was eighty dollars and the bottle was like tiny and it's like this this tiny thing and so they were like okay and then they ask wash your hand for you, have have you ever had someone wash your had for you they wash until the elbow and you just give them you hands it's so weird okay that one I think I'd give it a negative view because


please don't wash my hands from me, ya , I thought they will wash like my hands not all the way to my elbows like star , this is personal boundaries and it's like once they start you can't tell them to stop because it's just like it's already soapy and you need to wash it off you know


no this one was at next it was it's the site actually so it wasn't that but ya lah uh I think they need to approach people gauging them


better cause uh no I remember that one clearly cause I was like I'm in a school uniform , do you think I can afford eighty dollar I think at that point they're just very desperate for people to enter the shop lah but yeah that one's a like I I would I would not recommend anyone to walk past the shops and make eye contact with the shopkeepers


power, talking about that kind right do you know after you do your eyebrows or like like you know the uh at the parlor and then they will try to sell you their packages, the thing is at this point it's not even negative product preview it's just, just


stop trying so hard it's very scary it's like when people send you to like get your eyebrows threaded they they send you with like like, go and return safely you know don't spend money apart from the ten dollars or like twelve dollars for your threading please


cause I I do realise that I frequent the shops where service is fast even if they try to sell me this stuff because I know that if like like the stronger you look the less they will say these things, ya just go with your mother she'll look at then give them the look and your safe (hmm) we have forty-five seconds what other bad experiences !wah! !wah!


positive product review


actually I don't think I have had any experience with uh mobile, uh, or any customer service lah oh uh I've actually okay wait I I have had with Scoot, ya so uh this was a few years ago when , when I had a situation I have to keep on travelling to india and coming back and so uh my brother at that point he was still underage he he could only travel with an adult


and I was booking the flight at that time when my age was still seventeen and I turned eighteen like on the the day after , how to say so I'm booking a flight for my birthday like the two days after my birthday but I am changing it like two weeks before so I'm still seventeen so it's like there was some issue and they keep on telling me that I couldn't book a flight with my brother because


he is not legal and I'm not legal, and then it was very confusing but then uh ya lah so I would have to call I couldn't do it like on the site itself I had to call the customer service, and they are quite understanding and they explained to us like


the company policies, and stuff, it was actually about a two-hour call I've never had that long a call with a customer service, agent and they were patient throughout so there is definitely something that I enjoy and, okay I didn't enjoy it but I I really appreciated the fact that they were this nice to me


ya, another experience will probably be with health and sports and fitness, it was with gyms, so post COVID I decided that you know you have to start going back not post COVID this is not post it, like phase two I decided that I wanted to go and start be becoming more active


so I tried reaching out to gyms you know they say oh you can apply for a free pass free pass and then you can see if you like the gym, but because of COVID regulations and requirements they couldn't give us, give me a free pass to take a look, so the other


most of so I tried for like four gyms, , but I only remember that F forty five and anytime fitness, they got back to me with like uh auto automatically, auto message so it's like it wasn't customised or anything


fitness first also sent me that message but, after that they sent they also , uh put me up with one of their consultants, who then privately like called me messaged me and talk to me about what I was looking for in a gym and what not


and I really thought that was, that was very important you know like the experience of habit of recognising that our gym actually sees that you did try for them you know they do want you to, to come and join them you know so, ya that was a good experience and I ended up joining that gym ya


I can't think of any at the top, of my head, some of the nicer places I have gone to I know there are those that , they really understand giving customers privacy is like you you get the perfect amount of service from the waiters


or waitresses and, it's like they don't keep on coming to you, but when they come to you it's like is because they know that you need them to come there and it's not you're also held waiting for a long time you know for them to come to you so those are the services that I remember but I don't remember the places exactly because


sometimes service depends on what time you go there and what not also, what else, uh okay one of one good experience I've had with cosmetics, so actually colour pop, I buy quite regularly from them


uh because they are cheap, and and yet the quality is good, recently, I had experience when , I bought four a a group of friends but one person's palette one, so in eye shadow palette there's a nine different colors and one of the colors was actually broken


so so it's like you know you call you ask them to replace for you and so they send me another one and there was also broken, so you know you're getting very frustrated and what not because like so is the problem with the package which something that can be over or it's the problem with the palate itself


you know so when I finally called them told them this uh they just refunded me lah which is quite cool so I have gotten , I have two palettes at home and my money back it's just that one color that I don't have


so I mean idea's my friend lah so now we split it among (ppc) ourselves, it's pretty good and settled and I thought it was good because, benefit benefit at the end


actually yeah that's that's something I realise is very important is having if if they give you instructions it has been a language that you understand and usually if you buy from Shopee or like stores that are, you know china china brands they're they're obviously going to be in chinese you know and for people who don't understand chinese like me and you it's


it's just tough, okay another good product I would actually say is, Starbucks, okay I might be biased because I used to work there but I, I have to say though like when the way that the the service line works right is something that is very remarkable like each person has a very important role to play


so like you had the person who's at the counter and talking to the to the customer and then will have the person who's making the drinks so it's like while they making the order while they are talking to the customer and the customer is still finishing the payment the drink is already on the way, and then finally when you serve to the customer there's a specific weight so if everyone does their role properly right !wah! the experience you gonna have it's like super good


but, ya ya so basically there's that lah and I have also had some good some, pretty good experiences with Starbucks like you know fast service and when they when they talk to you they are like they smile a lot they sometimes draw heart like stuff, for you on your cup be like oh have a nice day and then so those are the experience with


experiences which even push me to go join them as a barista so, ya, so I definitely have a soft spot for


okay understandable lah , it is it is I have to admit that, uh something positive products, I am thinking of something I don't know if it's considered a product but you know when you visit the temple


then they will give you, the so usually for like hindu temples when you visit they will give you this thing called Prasada which is like offerings, and, if they usually give you they give very yummy stuff, for some reason you can never cook it like that at home, and ya this is ya and and then


so when you go to the temple you know you pray usually with your family and then by the time you go on the temple you pray your throat is dry you just so tired and they'll give you that that, warm Prasadam and whatever it is you it can be sweet can be slightly spicy but it's iconic any temple


ya I think that one definitely is is is not a product I'm not I believe you won't consider it a product but I love it, yes it's food it's food


ya need also I do a lot of , ya cause of of circuit breaker and everyone is like selling theirs their clothes that they don't use right and yeah I understand the thrift shops in in instagram they're increasing in number, so there are a few that I buy regularly from because firstly their collection of clothes is good and like it's stuff that fits my size and


you know and then afterwards is also things that I will I wouldn't wear I I usually, wouldn't wear but when I see them the way that they're paired with their clothing you are like oh actually I could wear it you know the clothes by the the clothing by itself looks very like revealing or like what not but then when you pair it with the right things it can actually look very elegant ya and


uh some, of them they also promote like the, friendly sustainable sort of practices, so when they send over to you they will send it to you in sustainable packaging, uh one such example is actually is a souq it's a souq shop it's called


meira singapore I haven't bought from them but then I followed their page because I saw how they package their their things, and it's not just waiting for like, for like someone, in my friend circle who I can buy it for their birthday and then I can just buy for them because it's too expensive to buy it for myself


ya , ya so let let me tell you how to package ah so firstly their things are all sourced in sourced and made in singapore so that's a that makes it very singapore-based, and then afterwards


they they also hand cut it and whatnot and they package it right they will use things like you know for when you buy fruit sometimes they'll have the styrofoam net thingy around the fruit right they'll use that to pack and then no one packaging looks the same because, the person just uses whatever leftovers they have at home or whatever like cardboard they can get from the fruit shop that kind of stuff


and yet it looks very beautiful ya


ya ya definitely, uh, uh another because I'm also looking at what else there is then this essential services, I actually I had this very good experience just like two days ago is like you know when your MRT card doesn't have, enough money to tap and then like you enter then you tap and the thing is red is like not enough money and then it just happens to be on the day when you don't bring like money with you you only have that card you know and then


I'm just looking at the bus driver like like this child like ways please please grant then he's like okay where you going then I say my location is, it's like five to six bus stops away he's like oh just just go in, I'm telling you that is the best, he he I mean he did look annoyed but it's fine the fact that he gave me such understanding was something that I appreciate


ya but it's a good experience, uh I also had it in the MRT before because you know I have to enter I don't have money I this was back when I was, I'll still in like school uniform kind of, the secondary school age and then I don't have enough money to go to school so imagine this you're running late you look like a mess and then you are like


the card says not enough money you don't have because the minimum you can top-up is ten dollars my pocket money is like what two dollars, how , and then I'm just there and then I eh this one I went to the uncle in the transit link there then I just looked at him I was ready to cry I think he saw I was like I don't have money to top-up and then he's gave me his money he just gave me like I think he gave me ten dollars I can't remember exactly but ya


and then when I came back that way another day then I went to find him and pay him back lah like !wah!, thanks thank you for helping me,


I think for me about I'm talking about the, the number three how do you spend your money, that part so , okay recently I've been quite broke, uh


I spent a lot of money or useless things but, actually compared to last time, when I was like in JC or secondary school right I will get like allowance and all, that so right now it's, growing growing older so I don't my dad don't really give me a lot of allowance so I kind of have to like work but


because of COVID I can't work because I used to work in a like a tuition kinda thing, ya then right now like they don't have it anymore lah cause of COVID so next year maybe continue , so like I'm being quite broke because my allowance is quiet later and I do spend on really like useless things and most of the money I spend is on food


ya like those like really really nice food which is like twenty plus those cafe and all that I don't really think okay it can be justified in a way that it kind of makes me happy , but , when there's a need for like more important things like


top up EZ link card all that right there's like damn expensive ya then I'll be like oh no I shouldn't have spent, it on food, or stuff like that, ya but one thing is that a lot of my friends spend is on like shopping


but I don't really spend that much money on shopping so I kind of like okay at least you don't spend on shopping you know you can spend on food but at least you don't spend money on clothes , so that kind of makes me feel like okay lah justifiable


okay so for me about the, the savings and all those right, okay I used to save so like after, JC right then I worked and then I, saved and then I used all of it to get my driving license but like I was able to save because I had enough money to like have fun and also safe because you know I had a work like I had money income and all that but right now I feel like if I do save right


then like my whole of that month I can't really spend money on things that I enjoy, so I feel like ya saving is important but what's the point of saving when you're not having fun now you know ah yeah can save later when you have


actually use for yourself and also save, so for now I don't do it, but I used to do it actually it feels good when you know that you have, back up money so maybe like, after COVID if I get to work again and then maybe I can save


ya, so that's for me and then regarding the insurance thing , uh if I'm not wrong my dad said that, uh he, had took like health insurance for my whole family but , I really don't know anything about it cause my dad like handles that but one thing that I do know is that recently someone in my family got into a car accident then


nobody were nobody was injured but ya then I had like learn more about the how the insurance car insurance thing works, initially like last, time I have no idea on what's happening but now like I had to like learn ah so that I can help my


is my brother actually so I help my brother through that process and ya just like one thing that, I was quite like shock right is that actually it's very expensive, then in my house there's actually people with license so it's it's if if the insurance


what's going to for every one of us then it's damn expensive then also because I'm very young, ya so it's like more expensive, ya and then, stuff like that so I like quite , how to say stress about the future you know when I get a car then it's like !wow! it's actually very expensive and then you get into accident and then it's like what's


the next time you get insurance it'd be more expensive ya so is like new things that I'm learning, yup that's all , okay


about the, financial advice that you will give to you five years ago, uh , five years ago I was very, , I would have no stress about money


because like everything was handled by my parents, but, but actually five years ago right the allowance that I get is, much much more than what I need but, somehow spent everything, so maybe right like now that I don't have money enough money to spend


if I if I could tell myself five years ago I would say like don't anyhow spend like you know save, ya then spend it on like like how to say like you know if let's say I want to travel right then, I have to start saving now like, before I could travel so I don't have any like savings that I can like tap onto ya so there's one thing that I realised maybe I should have been


more aware of five years ago


I don't know much about like credit card and all that but I do agree about the thing about its quite hard to control you know spending when you just graduate then you got that card, but, I don't really know much about it, because I'm, one thing that I can talk about is the manage your financial commitments before and after married


wait actually about that you know you are saying how like like for the five years ago question you were saying about how your friends have a lot of money right, actually I was also something is something that I realise is that, actually right even like there's a lot of people who are my age who actually have a lot of money


ya like really a lot of money, I'm like so should like how do you all you know but the thing is most of their money right they get during like chinese new year and then all their like relatives give them money then they have like a lot of money and they still think they're broke


so it's okay , but ya okay so the question I'm going to talk about is the financial commitments before and after marriage okay for that right, okay before marriage right now like I already share that I'm quite broke, but uh moving forward


I'm planning on, , taking up another job, as in studying something something else so one thing that I'm like leaning towards is, the housing agent, ya so it's like because I have family I've people like family friends and all that who did that and then so that means I have like contacts and all that


so, I'm thinking of like, maybe trying that and may be taking up two jobs, just so that I can, save up money before getting married before like all those commitments and then another thing that I I want to mention about is that actually my my parents right they like really really believe in saving so


they they're the they're like quite in the extreme so for me is like if you have money if you have money, after you have a lot of fund, like enough fund to be like happy then you can save but for them they feel like it's okay just say first is for the future you know


ya so they have a lot of savings which will help me a lot after I get married, so because of that or what I don't know but I've not really thought about , financial , uh situation after my marriage


but recently my brother, have this like, investment plan kind of thing so it's like every month you have to put in this specific amount then at the age of forty or something so when he withdraw the money you get like twice as much as he like put in so far so right now he's like in his twenties


so I guess that's him thinking about about like his financial commitments after marriage, so maybe if I when I grow older a bit more then I'll think about that also but for now don't have such concern but I do have concerns like saving up for the


before getting married but


about the illness thing, err I'm, I don't really think I didn't think about it lah until now because yeah like you said we're still very young right so different from our parents, concerns, but about that like, the CPF contribution you know your thoughts on CPF contribution it kind of like covers right but it's not like