so if there is a positive experience definitely there will be a negative experience as well, right, so ah, I think let's start with something that is really close to home close to all, the hearts of singaporeans uh


the kind of negative experiences you've had with uh food and beverages, yup so if I can check with you is there a particular incident where you really had a negative experience with a particular food joint


oh for myself it's the same and just imagine if we if we had spent a lot of time travelling to that particular food joint and upon getting there we still being told to wait


right, how how long is the what's the longest that you've ever had to wait before you are able to gain entry into a food joint, oh


I see, one oh my, choose, yes yes definitely to to add it up it's about one hour of waiting before you actually get to enjoy your food ya


, so mine wasn't as long as that but uh yup thirty minutes is uh somehow a long enough duration that I believe uh most of us would have experienced before, and it definitely gives a negative experience for all the diners out there when you have to wait for such a long time uh yup so uh


uh I believe that uh apart from the waiting time alone it being the uh food, being the the main focus it is the food quality ya, (mmhmm) (mmhmm)


I would feel that uh okay it is worth it was worth the wait, alright so just imagine if it is not good ya I will ask you how would you feel, right


because uh I think it's a little it's a little combination uh the waiting time and also the food quality itself, if both of them uh don't give diners a good experience it's a big no no as far as uh recommendation is concern for that particular food joint ya


(mmhmm) so, yup, actually I don't uh because in singapore I believe that what we actually go after more is uh not the good reviews but also it being new


if you get what I mean, so if we if there is a hype about that place usually the hype is about the fact that it's a new opening instead of how good the food is right, (mmhmm) so


right I agree with you, (mmhmm), (mmhmm) so uh there can be a there can be a hype about it but when you are there to experience it and all you get are negative experiences


uh because of the fact that you are made to wait and then uh the service is rather poor because the food came late and to top it off if the food quality is bad, then uh it really is uh uh it really is an unpleasant experience for diners lah like ourselves right


uh twenty pax !wow!


I think uh it's, it boils down to to poor management in a way, and because of the fact that uh you should know as as a business owner you should know your limitations


and when you are not when you overlook it and it comes at the expense of your of your consumers , then I believe uh it definitely will add to the negative experience uh for them


so I believe that the least uh all these business owners can do is to uh pre-empt all these consumers who are coming over to their places, uh to inform them of the waiting time and if let's say uh these diners they are not comfortable with the waiting time then they come again another time right


yup, but you are it's good that you actually asked that question because I see I see it happening uh quite a lot now because all this uh food and beverage joints they actually are working with a small space


and sometimes when you walk pass these places you see a long stretch of queue you wonder actually how will the place be able to hold up all these people ya, right so please, no no please after you


uh up to an hour


I still think that uh it it is an overall experience, even if let's say you leave the place with uh having satisfied uh with having your time satisfied when you're talking when you're sharing about your overall experience you will still talk about the negative experience of the long waiting time


so uh, I would say that food quality alone is not enough you have to work, on proper planning and management to ensure that uh you minimise as much negative experiences as possible , yup so


right I think that's only fair for us consumers for paying money for their products or services ya, (mmhmm)


yup I that's why so <P2>sophian</P2> about uh the kind of negative experiences that you have experience while travelling on a holiday, uh so you want to share about it, okay okay (mmhmm) !wow! (mmhmm) !wow!


I mean that's the least they can do ya, yup (mmhmm) (mmhmm)


it definitely !wow! it definitely adds to the negative experience uh to my to my travelling or my or or when I'm on a holiday, like uh as I was sharing earlier if let's say uh you you enjoy the quality of food that you had taste but then again uh you were made to wait for a very long time uh it still affects your overall experience right


so, uh the fact that uh as a traveller you you have to deal with with uh delay at the airport then I believe that uh that alone is a negative experience that you will remember for good yup and uh having


seen how people uh have got their flights delay over at the airport, even with the food vouchers uh sometimes all all they do as a kind of service recovery is to just give you vouchers , yup but


yup so, uh, I think it will be more assuring if uh you can have staff telling them that uh even though this particular flight that they were supposed to be on got delayed they will not be they will still make it on time for the next flight


so uh when you have assurances like this uh it helps with the whole experience, imagine if you do not have staff who are able to answer your questions uh it will add to the negative experience at your experience lah when you experience a delay right


so uh apart from just imagine ya if let's say uh you have to experience delay and when you get on board the kind of service that you get from the service crew uh is poor as well, how would you feel have you like experience anything like that before


(mmhmm)


I see definitely I would say uh you will expect more from a reputable airline , because uh definitely when you fly with a reputable airline you are somehow paying a premium price for it right so when you pay more you expect to be to be having a more pleasant experience


right, but uh having said that uh it doesn't mean that if we all have flew with a budget airline before, uh of course when you fly with uh an airline of uh that standard or reputation you will have to make do with uh a less attractive hardware in terms of the aircraft fleet and all that


but uh it , of course it is part of the negative experience if you were to fly with a smaller aircraft per se uh because of the minimal leg room that you have and imagine if you are someone who is big size and you can only make do with that small space that has been given to you


it is a rather negative experience lah but uh I think the the crew the crew plays a big part if let's say uh with all those negativities and you also have a a set of crew that that is not forthcoming


that is that does that do not take pride in the service that they render then it also adds up to the whole on board experience, for yourself have you experienced any uh negative experiences on board when it comes to like service


(mmhmm) (mmhmm) (mmhmm) okay right


of course but uh <P2>sophian</P2> if I can share with you I have personally experienced this uh, other kind of negative experience I would say so if I can share uh with with a budget airline you know that you have to make do with the kind of hardwares that they have and you expect their service to be top notch right


uh the thing I've experienced from a reputable airline is the opposite they know that they can uh render good service, but then again uh they they are short when it comes to their hardware, so I give you an example when you fly with a reputable airline you expect that the that the on on board entertainment system is working fine am I right


so yes so uh this particular flight that I was on uh it was a rather long flight, and because it was a it was a flight full of passengers uh I I wasn't able to swap seats even though uh my online entertainment system wasn't working


so uh, it is nice to know that uh when it's not working you've got the crew that actually come over to apologise and maybe give you vouchers, yup because of the fact that it isn't working but then again uh apologies apologies aside uh it definitely give me a totally bad experience because just imagine uh having to sit


there for a good eight nine hours and not being able to watch a movie or listen to music, right so I think it it really is a negative experience if someone were to have experience that, yup so ha okay enough about uh our our travelling stories man so


moving on uh, how about your negative experience uh with a customer service agent, uh on the telephone, yup okay (mmhmm)


okay it can go on for so long that I will actually hang up, and just give up I see


it's interesting that you said sorry it's interesting that you said that you will actually automatically put it on loudspeaker ya, yup and right


so uh it's funny that, uh we're known for being uh a country that is efficient in the way we do things, but, uh when it comes to speaking to a customer service agent over the phone


we have come to an understanding that, it will usually take awhile for somebody to, help us with our problems that we have in hand alright, yup


so it's not just that man uh, just imagine, uh you have, called in successfully and speak to an agent, but instead of uh addressing the issue they actually forward you to, uh another department


when right, ya so for myself right uh there was once I called in and I was I was forward my my call was forwarded to another department uh I do not know what happened I ended the call but when I were to call in again when I speak to a colleague of the person I spoke with earlier


that person was able to solve my problem without actually uh forwarding my cause like what the previous colleague actually had done, so, ya the consistency isn't there I believe, and it


ya ya so uh I believe that uh everybody in singapore will have experience uh uh with bad experience uh would have had a negative experience when it comes to uh calling for help on the telephone, just like us


, twenty twenty uh


part two, positive experience so <P2>sophian</P2> now that we are talking about uh positive experiences so uh I I would say that


as millennials now uh we do most of our shoppings online ya, and also with the rise of all these uh E commerce companies like amazon and lazada uh it is definitely uh


it is definitely more choices for us consumers to choose from, so if I can check with you uh , what are the kind of positive experiences you have experienced uh shopping online on such platforms


I see right


(mmhmm), I see I see


yup uh budget uh and definitely price comparison is very important for us consumers but I would say uh the kind of positive experience that I have had with uh E commerce platforms is the is the is how smooth


the transaction actually went, for myself I'm, I just started uh shopping online this year, probably because yup I just I just actually ride on the wave this year instead of like uh few years ago when it just came up ya basically because uh of the fact


that I'm I'm rather a sceptic when it comes to online shopping, yup because uh you it's not a tangible product that you that you see uh in shops and worse off is that you do not know the kind of people that you are doing the transaction with


so that actually brought the sceptic out in me, and also it doesn't help the fact that uh you hear about online scams uh about uh making online scams when it comes to making your online purchases and all that


right (mmhmm), actually to be honest I haven't


but I believe it is going on everywhere, uh yup and this is due this is the reason why I believe like uh even banks they are they are moving they are they are focusing a lot on cyber security ya, so <P2>sophian</P2> uh as I was saying earlier I like how smooth the transaction can be uh from the point uh from the point where we actually made our order


we can do it in the comfort of our own bed right, yup but uh that also has got its uh disadvantages I would say rather it can become a rather a addictive addictive thing for you to do right


yup, (mmhmm) yup


right I agree with you uh


there, (mmhmm)


ya ya I agree with you and, as I was saying the whole the whole experience is such a pleasant one from the part where we order and from the time we actually uh get our items, the whole process is seamless and usually the the delivery date the actual delivery date is uh most of the time earlier as as what they expected delivery date is alright


yup, so <P2>sophian</P2> uh moving on now that we've spoken about uh our pleasant experiences uh over in the E commerce platform, what about uh, as far as traveling is concern your best experiences in uh hotels where you've had uh staycations at or maybe uh in hotels where you spend your time overseas


(mmhmm) yup (mmhmm) (mmhmm) right


it definitely ends your day well ya, cause I believe uh it wasn't easy for you guys travelling from the airport to the hotel itself, so uh similar to you whenever I step into a hotel uh the first group of people that you actually get to see are the front desk people they are the front line of hotels right


so it is always nice for us to be greeted with a smile and a and the pleasantries definitely, so apart from that uh I would say that for myself personally, uh it may not be a five star hotel but uh part of


yup I do I do so uh I would say that for, hotels apart from the staff the hotel itself uh some other things that, they can help to ensure it being a good experience for us uh is maybe like uh being accommodating


because like for instance you were saying earlier that you actually coming late at night and sometimes they will only allow I believe many hotels uh their standard check in period is in the afternoon , so


two PM right I think it is two PM as well so uh, when you offer flexibility to your guests such as uh being able to check in at night instead of waiting for the next afternoon it definitely adds to the positive experience of staying in a hotel ya


right, so <P2>sophian</P2> uh, I know that you were a yoga enthusiast you might still be yup so I personally have not stepped into a yoga studio myself


so if for somebody like me who is looking for a good yoga studio that offers that is able to offer good experiences to its uh visitors, can you share with me uh for yourself you have actually enrolled into a yoga studio before uh what are the positive experiences that you've had with your yoga studio


I see, do they have like full length mirrors in the yoga studios they do ah okay


right (mmhmm) I see understand


when you talking about a vibe <P2>sophian</P2> is it the vibe that you getting from the place itself or rather from the staff who are working there, I see alright so oh that's nice to hear


would do you think that it is the case with all the yoga studios around that we have, I see yup


I think one of the best things about uh yoga studios nowadays is the fact that most of it are centrally located, right so when you have people uh from all over singapore heading over for their yoga sessions uh it is a it is a location rather equidistant to where they are staying at


so yup, no no problem, I agree


(mmhmm)


I see I see and also <P2>sophian</P2> uh for all these yoga studios how is it like inside is it uh because you have people doing their yoga from all walks of life, is it a very uh and you have people coming in batches by batches right


so would you say that uh the , the positive experience that you've had is also due to the fact that uh the equipments are well maintained and it's uh very clean there, alright ah I see okay okay


okay okay interesting actually I think it will be a good idea for them to save on manpower and make all these people who actually sweat it out to clean the place itself , yup, yup okay


so uh that's your sharing on the positive experiences you've had with a yoga studio, uh moving on I want to share a little about uh positive experience that I've had with uh electronic devices


right so uh we are we are somehow in a smart world where gadgets are very smart now gadgets and devices so if I can just share uh it definitely it's nice to to have a products like this in the market


like for instance uh the ipad, so I am a big fan of the ipad because of how it has uh revolutionised the way we work, so for instance uh the ipad uh allows you to to write uh basically with a with a pencil and with that you can do your note taking it definitely changes the way you work uh it it allows you to actually go paperless


(ppc) yup, it is it is, so just imagine back then when you were in school carrying a lots of files that contain plenty of papers now with the ipad and with the apple pencil all you need is your ipad to go around and take notes and do stuff right


right, (mmhmm), yup so basically I believe that uh the ipad is wonderful because of the fact that uh it's also well designed and because of the fact that they do have it in different sizes it caters to uh the kind of different needs that people have would you agree with me


I do ya, it is it is like uh I really I really like uh the fact that they actually invented it ah so if I can choose to have one thing uh back in school


uh that we actually have now I would say that uh I would love to still to actually have the ipad and apple pencil back then when we studying right yup, so <P2>sophian</P2> for yourself uh being a gadget freak yourself uh what ya right because I I know that you are someone who likes the the latest things in terms of technology and all that right no


okay, okay, (mmhmm) I see


(mmhmm), but speaking of the heart rate and all that remember the other time when we were working out together


right and I wasn't feeling I wasn't feeling too good I've never experienced anything like that, (ppc) so uh definitely you having that smartwatch on me to check my heart rate it helps to know if I'm I'm actually okay after particular workout or not alright


I agree I agree uh the uh, okay so apart from it having all its uh functions do you think that uh for a smartwatch the kind of positive experience that you get from it is because of uh the price that you are paying for it or the design or the material care to share more with me


(ppc) I see (mmhmm)


remember you were telling me uh how there is now a new smartwatch in the market made by a big watch brand uh that only makes uh mechanical watches oh done okay stop


part one finance, hi morning, ya is me too , (mmhmm) ya ya ya


ya my first uh account is uh POSB savings account so it's actually uh, started by my mum I think when I was around at the age of three or four so I think this account is like a is an account for us maybe to like a start in our our how should I say in my in our life like a a a a new beginning


for for us uh for for to have a savings account so maybe in the future uh, ya


ya definitely , ya


uh okay the the one the POSB savings is the one that I've that I've had since uh since since I was a child but as I, grow uh with my having my own personal income I've had another like two more savings account


ya so there's just one savings account that I don't touch and another one is just you know like just to keep uh money in the bank but uh you use as you spend you know that that kind of saving save so called savings account ya, (mmhmm) (mmhmm) yes (mmhmm)


oh so you have a three sixty account actually I have a OCBC account where it's actually the the the frank frank account ya ya it's why I actually took up the frank account is because you know majority of the people in singapore has a POSB savings account


so when you queue up to withdraw cash right actually so the the queue, it's more more more on the POSB so I just feel like ah maybe I should get a OCBC instead of joining the queue I should like take


take another bank so I can take my money faster you know what I mean ya, , correct yes ya


ya correct , ya, yup especially you know like end of the month when everybody is getting their salary ya you you can always see like a long queue and


DB I mean like POSB DBS ya , ya I definitely agree


uh but like you mentioned earlier uh does the interest really plays a big part on choosing a savings account, of (mmhmm)


ya because , okay uh because for me uh uh I, I'll have to admit I don't really check on the interest rates, uh I'll just I usually just, uh apply for the bank just based on preference ya I I think I I don't I don't think it's a good good practice maybe I now I should just uh


look at the interest rate before applying for, an account ya, ya you ya


ya I've used uh both, okay (mmhmm) (mmhmm) (mmhmm) okay okay okay I


I know I'm use I was using the maybank uh family card, so ya actually the you for me the purpose of a credit card is actually, useful when your with your let's say if you're a frequent frequent traveller so when you when you travel overseas you


then maybe for example if you want to go to I don't know korea or japan then maybe you want to spend a lot on shopping you you definitely you don't want to carry, too much cash right so I think that's that's when uh the convenience of having a credit card uh comes into place so and also when you're overseas you because when you if you carry too much cash uh that's where safety also


uh plays a big part also so with a credit card uh it's so much easier whenever you want to make any purchases can be like when you're shopping or buying food ah how about how about you, (mmhmm) (mmhmm)


uh ya definitely ya like some some banks they can uh offer you maybe like up to three to four times of your monthly income so that that's where uh your wait you have you that's why you have to take control of your finances uh if you're


poor with controlling your finances uh and you tend tend when you and you run into your temptations right when you see things that you want to buy the then I think that's very dangerous ya what do you think about that ya


(mmhmm)


ya because as as the as the name goes credit card it's actually credit ah it's actually money that you don't own but which is only on credit so , uh it it really differs on how you see it some people see it as a added income some people see it as a as a money that


maybe you might need it uh for emergency uses you you never know right ya you know whenever you need to make any like payment, for touch wood maybe like uh, for maybe medical purpose ya that kind of thing


ya ya uh


okay for now definitely I wouldn't want the miles card because it as you see with the current situation uh ya we we we can't travel so that defeats the purpose so I think for now maybe a cashback or a points card will be I more much more ideal


uh like for points card right you see some credit card companies they have tie ups with maybe some uh big brand names so when you spend a certain amount you can redeem maybe like a luggage uh from a reputable


brand name so like for some for some people they will apply the credit card based on what, uh tie ups that uh specific uh credit card companies has with ya how about you, (mmhmm) (mmhmm)


oh ya true true true, correct ya ya yes correct


and and all this lounges uh I can say the food uh actually not bad right, , ya like like the the the the, ya the buffet spread that they provides I I think uh is not bad not that bad lah ya, ya (mmhmm) (mmhmm) correct ya ya I


I think uh okay, for points uh system right, maybe it it not only for not only to redeem uh stuffs or like I mentioned earlier like you know items like luggage and stuff, uh the points can be redeemed for you know like maybe to offset maybe part of your bill account I mean ah ya ya maybe like I don't know maybe you when when you spend


then a thousand points uh gives you maybe like what fifty dollars off something like that ya, correct ya ya


I think uh personally I think it's better to store your credit card far far away ya because uh I I believe that, most of us are in survival mode uh so is the, it's the time where you need to spend less uh you need to save more


ya I , so a credit card at the moment is uh to me it's a big no no, ya ya, (mmhmm) uh


if I were to have a kid maybe I will start a savings account ya like when I first had my when I had my first account as well but on, good question uh how old were you when you got your ATM card <P2>sulaiman</P2>


(mmhmm), ya around around the same age also, ya ah ya


I think so too uh then again I think uh at tertiary level maybe when you're in , uh eh your, you you tend to spend more when you are in tertiary level compared to maybe secondary school, right yes correct


yes correct ya and for uh and also for during tertiary level uh our long our our hours are longer, then and you have more breaks and more breaks meaning you need to spend more maybe, during breaks you want to you have lunch or dinner or maybe


catch a movie just to you know uh during your breaks right ya, ya , ya of course ya , (mmhmm)


uh I think, personally that would be the ideal age, but okay like to inculcate a, habits uh saving habits in our in maybe in the kids right, uh it doesn't have to be you know at sixteen or seventeen


so but for for with the use of ATM card uh it really depends but I think for me if, to give them a a an an uh the ATM card at seventeen, it's just nice ya right, (mmhmm) (mmhmm) ya yes true uh


err then then again, food in food prices in like secondary schools are aren't that expensive so, unless they are the kinds that likes to eat out then ya that's a different story altogether lah but then again I don't see the need to have a an ATM card during secondary school ya


ya yup definitely ya (mmhmm) (mmhmm)


uh okay, a joint account with my partner if, I feel to have an a joint account with your partner uh it really depends on, what are your plans maybe your plan is to to get a house


so I think it will be ideal to have a joint account because when you have a house definitely you need to do your renovation, so, you need to have that so called agreement between your between you uh between you and your partner like okay what what are your plans what how much do you need how much you want to spend for your renovation and


what are the things that you need to buy and stuff so I think it does help having a joint account but , (mmhmm) (mmhmm) ya (mmhmm) ya okay


ya same same


part three negative experiences, yup


ya yes of course, (mmhmm)


oh yes of course uh okay for me, right uh one thing that I hate err when I'm out eating right is actually waiting how about you , ya


, yes


oh !wow! uh I think there was once I had to wait for almost half an hour, and the best part that that that is only if, uh waiting to queue and when you're ready to be seated you have to wait another like what half an hour to forty five minutes for your food then ya then that that really sums up your day you know you know what I mean ya


yes of course


ya, of course, ya


so okay for uh let me give you an example if let's say you had to wait so long uh in the queue then on top of that you have you had to wait so long for the food but if the food quality is good how would you how would you feel


ya ya, (mmhmm) , ah if it was not good ah I think I don't know man uh I think I'll be really uh


that that that really will just sums up my day I think I'll just sit out of the restaurant and go maybe get some fast food or something, ya it


yes, (mmhmm)


correct right okay talking talk, talking about uh food uh food quality right, whenever you go to any specific restaurants do you actually check the reviews and stuff


ya, okay ya correct, like it like like you know uh when it's when they say like when there's a queue then that means there's something good


ya it sometimes it does sometimes it it doesn't ya ya, correct (mmhmm)


(mmhmm) okay, okay what (mmhmm) can we uh what do you think about uh any food uh joints or food restaurants right I mean like for example if the place can maybe hold up only up to maybe twenty


pax but outside of the restaurant you see another twenty twenty pax uh queuing what what do you think about that ya, (uh huh)


okay, (mmhmm), (mmhmm)


okay


(mmhmm) (mmhmm), ya definitely ya (mmhmm)


ya but but but ya it's uh continue ya sorry ya ya then okay ya but then again right, what if the food is really, good then the queue the the people are in the queue they don't mind waiting maybe like maybe up to an hour uh do you


ya do you think, it's really worth the queue to wait that long just because the food they were the the food quality will will be really good lah what what do you think about that, (mmhmm) (mmhmm) (mmhmm)


okay ah so ya ya so, ya so it's all about the I would say the full experience lah from the queue then the waiting ah the waiting time and also the food quality lah ah


ya (mmhmm), oh ya uh there was once uh


I think I was heading to if I remembered Bangkok uh with with two of my friends so one of my friends uh actually it was his first time flying, then that is it it had to be a memorable one for him because our flight got delayed for almost what twelve hours uh ya we actually didn't expect it to be up to twelve hours initially


they told us will be delayed for three hours then it got uh it, another three hours add up three hours three hours so it add up up to almost twelve hours uh it was I was flying with quite a reputable uh airline so I was very


upset disappointed back then but I will say their service recovery were was good because they actually provided us with uh food vouchers for us ya for us, to you know to eat and while waiting


ya I think for twelve hours stranded in the airport I I don't think anybody likes it right then so, we that that back then I mean that, point of time uh us three of us being so I would


say we were quite young back then uh we didn't think so much about it okay maybe we'll like just twelve hours let's just hang around but if you were to ask me if I can do it now I don't think I can ya, well what do you think if you were being stranded in the airport for twelve hours waiting to go on a holiday ya


(mmhmm), (mmhmm)


, yes of course ya, (mmhmm) (mmhmm)


I think that's that's the I think that's the least they could do right ya, (mmhmm)


(mmhmm) (ppc), ya


okay, okay okay now that you are uh at this point on I mean on this point right what what what do you think about uh a reputable airline and uh I should I say a budget airline so what what are your expectations on


each uh each each specific airline, (mmhmm)


of course yes ya, (mmhmm), (mmhmm) (mmhmm) okay (mmhmm)


(mmhmm) ya, (mmhmm)


yes of course, uh okay like, (ppc) excuse me uh when I mention like uh to compare a reputable airline and uh I would say a budget airline that definitely there will be uh


some sort of differences like maybe you cannot expect uh so much from a budget airline but the least uh they could, provide me is maybe they can do to the, uh I would say the the the lacking of maybe like the the hardwares uh the least they could do is to provide a good service so uh even with the seats that are bit cramp I think ya the service really plays a big part ya


ya (mmhmm) (mmhmm) ya sure correct (mmhmm) ya oh okay okay


yes most of the time yes ya, (mmhmm) (mmhmm)


okay, no !wow! okay


(mmhmm) (ppc) ya of course ya


, ah of course, you you know when when you have problems with your maybe service provider uh the the the few telcos that we have here uh in singapore like whenever you want to make a call to enquire what what what


how long is the normal waiting time that you have uh experience, right, (ppc) because for me right what I'll do


uh when they say that I will we have to wait on the line I will just put it on loudspeaker then I just, put it put my phone on one side then I think it can go I think there was once uh I had problems with my , internet connection then I had to wait for almost what uh almost half an hour can you imagine just leaving my phone there for half an hour but nobody came came to the (ppc) came came to the line


so, (mmhmm), ya because uh I've had many bad experiences so I think that's the only way to to do it ya, to for for for me to get in contact with uh anybody that's available ya


(mmhmm)


uh don't don't don't you find it uh , weird , right (mmhmm)


correct ya that that is what happens that's what happens most of the time lah the ya they will just push you to this department this department but end up you still have to wait ya, (mmhmm) (mmhmm)


oh well that's that's nice okay, oh, okay I mean I don't I don't I don't I don't know if he that's ya I don't know if that's nice but I mean actually it's more surprising than nice lah ya


(uh) twenty minute, ya twenty twenty eight


part two positive, experience ya, ya (mmhmm) ya right correct ya


okay uh for me personally I've I've shop, I I'm not so much of an online shopper but I've I've bought online from uh say carousell uh many times, I've bought like uh


things for my car, uh I've bought shoes ya a lot many items but so far uh the experiences that I've faced has been good, uh I I have yet to face any bad experiences hopefully not


uh and what one thing about online shopping uh let let's say for carousell, uh carousell you don't only buy like uh second hand items but sometimes they sell like new items as well, so it really depends on uh what you are looking for say maybe a shoe that that has been that that has been selling uh


for a new shoe has been selling but, uh in the physical physical store is not uh in stocks anymore uh usually carousell has it, but the prices tend, to be a little bit more higher maybe that because it is a high in demand and


ya so, with all the few uh online companies I mean online E shopping platform that that's available you can actually compare uh the the prices, according to your I would say budget uh what what do you think ya


(mmhmm) (mmhmm) oh really


why , (mmhmm) okay (mmhmm) true true ya


ya recently there's there's there's been a high rise of online scams right during the when COVID just started caming about coming about uh right have have you have you heard about it, oh ya actually ya (mmhmm) (mmhmm) ya definitely correct ya


oh why why why why I feel it's a quite ah it can be an addiction because everything is uh at, the tip of your, I mean everything is on your phone so you can you just need to you know, click click click, click click click accept then make payment then again err


online shopping you don't really see the money that you spending you know what you know what I mean ya ya, because if let's say if you are in a physical store you need to you need maybe you need take out your wallet then you can see the damage that has been uh spent on a certain items but for online shopping you don't really see uh


the, the the amount that you are spending first is only all, all digitalise you know so you feel that, there's no limit to what is you can spend online, ya right ya (mmhmm) (mmhmm)


ya ya most of the time yes ya, (mmhmm)


ah okay like okay uh my last, vacation or holiday I would say was to japan uh maybe like two years ago, so definitely what you looking for is good service right


so, like they always say service always starts with a smile so when I when I was in japan that that, uh we me and my friend only two of us we, we were about to check in this hotel but a on our way to the hotel you we actually took quite a we took quite a long route


uh walking from the train, I think was about I don't know maybe two to three kilometres so we were walking and walking and walking at was already, quite we were quite uh tired it was really tiring because with our luggage and stuff


so when we reach when we reach the hotel uh, we were just uh, uh, amazed with the service that they gave us with their smiles and it was really , I don't know I think with their smiles and their service


it was really I would say it's just, it's just superb lah so ya, ya definitely yes, ya (mmhmm) (mmhmm) ya correct yes correct ya


ya ya, (ppc) ya definitely, uh the facilities has to be well maintained uh, of course uh it needs to be spick and span as well so, service and the well maintained facilities that that that that that's the that really plays a big


part lah whenever you, want to get in when you wanna have a holiday you know in a hotel ya, (mmhmm) (mmhmm) ya


ya maybe maybe if I'm not wrong it's around maybe say I think is about what two PM or something like that right, ya yes of course ya (ppc)


ya , (mmhmm) (mmhmm) ya


okay uh how I got into yoga is actually through a friend so my friend actually uh, brought me to this studio, uh it's quite a, reputable yoga brand so I went for a trial class first at the uh in at the first place so I tried then I I feel like the vibes that I got from the place was really great maybe because it's uh it caters


to more I would say, more to the millennials, and the the interior the, designs of the place is such uh is such that is made in a modern uh modern design


uh not not not not like those uh no offense not like those, typical old Yogaish look you know what I mean so it, yes they had they do ya they do ya


so uh why, why I decided to sign up with them because of the, comfortability uh and also and also the it's basically the vibes ah the vibes that I'm getting for the place that really plays a big part, you know when you when you have a long day you just want to sweat it out


then then when you head down to the studio you just feel that , uh just that comfort level, ya


ya definitely the the the styles and the the I would say the instructors, as well that that plays that that that plays a big part also, ya, and the the the staff, most of them are all very friendly you know it it has it it ya it has that family


family touch ya uh from from that place, ya, I can't say for others, but I've I've heard good uh reviews from a few other studios as well but maybe I should try soon ya


, ya ya most of them yes, ya


ya because , because for sorry sorry for interrupting because for some, uh for some of us, maybe they they prefer the studios to be maybe nearer to their workplace or maybe nearer to their homes ya right so it really depends on


uh which one you prefer but for in, in such I mean uh in some cases maybe if they are lucky, maybe they the the the membership that they sign up for they have studios maybe near both near to their workplace and their homes


so they can actually uh have that luxury to choose, uh whether they want to go to near to the uh near to their workplace or then their homes lah, ya (mmhmm)


ya definitely uh because for after every session uh there will be someone cleaning up all the all the mess because of after every session, most of us will be like sweating and stuff you know so after every session every classes uh there will be someone clean clean up the mat the floors and also maybe in some places like you know they have this hot class where they will heat up the room


then uh get very heaty then then, there were also like air out the room by opening up opening up the windows and stuff, ya ya


oh ya ah ya ya that's a good that's a good point , ya yes yes yes (mmhmm) ya


it's so it's it's so convenient right with the ipad , ya (mmhmm) yes ya


basically everything is in your ipad already so ya you can just move around with your ipad then, uh you can get things done work done you know, ya


ya of course I I believe uh for you <P2>sulaiman</P2> uh you use the ipad a lot for work right, ya, like maybe you need to make uh presentations and stuff ya it's it's so so so convenient lah,


ya ya ya correct,


not so much maybe, the, the recent purchase I made was uh actually the smartwatch, so why why a smartwatch actually I wasn't , interested at it at first until I saw a friend of mine who got it then I was uh I I was asking him like why did you get smartwatch when you already have your smartphone which everybody does nowadays so so when he explained to me like what a smartwatch does it it it's you'll be you'll be amazed lah


uh one of one of one of them maybe because I run I do I run a lot like I mean I do exercises a lot so , it helps to keep check of your heart rate and like maybe when if you're sitting too long then that they will also prompt you like you need to stretch uh it it it it does so much wonders also


ya, oh ya ya , , ya ya ya ya,


ya I I I definitely I will not forget that that incident ya ya because that that I think that, that day we were working out a little bit too much so, ya it that, that situation the smartwatch really help like in checking your heart rate I think your heart was beating a little bit too


fast ya ya, ya (mmhmm)


okay uh definitely there are so many smartwatches uh out in the market, so you can be I will say you can be spoiled for choices as well, uh there are there are many brands many designs uh and also you all depends on your budget lah and and maybe some designs are


you feel that you fit in better and some may not, ya ya okay


!aiya! okay (ppl), okay stop


insurance hello good afternoon I'm <P2>firdaus</P2> yes correct ya


oh yes uh I do have uh it's now under AIA, (mmhmm), okay so basically what uh insurance that I'm having right now is actually savings plan uh plus uh what you call that health and personal accidental coverage


(mmhmm), uh well uh speaking of which as far as I'm concerned because I work under uh frontliner as a security officer


alright uh part time security officer so you know in uh, unforeseen circumstance you know there are things that will happen, and that is where I thought of it and it's a need ah for for me


it and what about you (mmhmm) I see okay


okay for that , uh to recall back is actually thirty percent, yup thirty percent yup, I mean basically it's for uh future use you know


have to plan far ahead that's why I put that uh uh thirty percent,


uh no basically I do self research, and I do a lot of uh read read ups uh various , various companies that supply this uh insurance scheme, yup


okay basically okay for example uh because I in uh AIA right so what I did was I go to a place that have , uh AIA insurance roadshow so when they approach me that is where I uh start to ask question


that is where I start to find out more details and that is where , I get to a a conclusion that, that's what I did, so after I read through their what you call that portfolio after I read through their what they they offer


and I found it is is a, pretty good ah, that's what I really need so I go for that ya, and what about yourself (mmhmm) (mmhmm) (mmhmm) okay ya okay


if you are an insurance agent what question what question would you ask your client when planning their insurance coverage, (mmhmm) (mmhmm) alright


and just now you are saying about you are uh going up for whole life insurance, so how do you differentiate uh term term life insurance and whole life insurance and which one you think is better for you and why is that so


and what do you think of uh CPF insurance coverage do you think it's enough like especially medisave, (mmhmm)


yup I will believe that too ya, okay so what else


uh sorry once again buy the term, oh, oh buy term and invest the rest, okay


this one I will keep them apart so that uh, you know the, accountability of , every stages that the whole process is going through, like let's say if you combine both


and along the way you might mix up, along the way uh you might jumble up the numbers, so it is better to , keep them apart at least you know what's going on


at least you know if there are there is a what you call that, uh market rate changes in between them, yup


okay so far, I don't have any, maybe it is not, the time yet, and also , I just need to gather more infos on that, ya ah


I protect only what's matters to me and of course I will buy for my uh family, not only for myself ya, but it's best would be the whole generation you know what I mean , ya but of course it's it's it's for my family ya


(mmhmm) the commodities nice alright (mmhmm) (mmhmm) (mmhmm)


so it protect you the whole thing right, ya (mmhmm)


ya there's the the good side of uh insurance, protection ya, okay, bad side is that


, at times when you need to , draw out the cash, , they ask you so many question, you know you have to go through a lot of uh hassles


ya, like , for my mum situation, because uh having difficulties to, to pays uh some of the important stuff, and uh


we waited for, almost a month just to get through, I mean just to get through the or get the cash that they offer, you know that they that that they insured that you can okay you save this uh in few years time you can withdraw a certain amount


okay so they asked so many question they asked uh a lot of things, yup but , uh okay currently is I'm twenty nine


ya , okay uh with that I uh under AIA there's also a savings plan


okay uh which is they call it some sort of a term life whereby uh, you can put between ten to thirty years, so every month I put around,


around hundred plus dollars every month, so over the years , it will uh, multiply, you know by I mean uh their multiplication is even better than our local banks here in singapore


so, ya at least I mean uh with that it really helps to, uh give me some, motivation you know, to saving for future use, yup yup


okay , for me is pretty straightforward , is more of a needs than wantes, yup, so let's say for example uh


you are travelling to work, and the need is that you need a, cash flow for your transportation, and , and also cash flow for for your bills in day in and day out


so that's a the, most uh critical that I always, the most critical thing that I always remind myself, ya, for other things uh what I did okay for other things let's say for example


, personals uh personal item, like wallets or phones or any other stuff, I'll wait to, I'm I mean I wait for the the month of sale


or I accumulate, uh two times the amount that I'm going to spend let's say for example, uh, that item costs hundred and fifty, so I multiply by by two or by three, at least I have a spare amount that I can use it


as a back up yup, so that's uh how I discipline myself in terms of uh financial savings, and so what about yourself, (mmhmm) (mmhmm) interesting yup actually not


in the plans yet because , I'm not married single, so basically maybe when nearing to like , two, two or three years that is the good timeline for me uh to have a what you call that


a good preparation if I were to buy a property or even a HDB, ya, ( not yet because within uh five years


the terms and condition of this property insurance might change, you see uh in terms of pricing in terms of the uh protection that they offer, in terms of , what is the premium that we need to fork out for that uh property insurance


ah yes correct


okay , that one , unless if they have a good amount of energy they can just do, two jobs you know one of which can uh contribute


to their CPF via their, their company and the other one they can actually , fork out their , own money to to the CPF they can contribute to the CPF, yup


ya uh both of that uh plays a part, ya so spending habit also must must be at optimum level not you know overspend day in and day out


so far currently no only just my uh internet and phone bills and that's it, ya


majority yup, (mmhmm) (mmhmm), err absolutely agree, this one


it really takes time, and they need to have a good communication between their spouse, or their family members I believe it will help to ease the burden ya that's the only way


alright let's go, ah about this uh <P2>jamal</P2> I would like to share with you, the negativity side of , buying online okay


so far when I buy things at, uh lazada, don't have any issue it's clean, okay, but the worst part is when you buy things at


uh other E commerce platform such as uh, such as, uh shopee okay, the user interface a little bit you know upside down


and, uh that time when I want to buy uh a storage box, okay they don't have a proper picture, alright , they just put uh a storage box uh transparent color


got this uh it, at both end clips so that to secure the cover, so I thought okay this is what I wanted, but, when the shipment comes to my uh uh door place


the item is so so so small, yup, accidentally bought a a a, wrong product, I thought it's some somehow a a big storage box but end up is a super small


I show you example okay it's the size of my palm you just imagine that, what are the things that I want to include in so this is the uh negativity side of, err E commerce, you know uh the developer, developer of that uh app they don't include in


uh a clean user interface, for the consumer to you know select the item, uh view the item, like for example a a proper video review of the item


ya, and what about yours <P2>jamal</P2> is there any negativity, !wah! that's a lot man


that's a lot that's a lot ya, so how do you get back all those did you report did you call do you how how


(mmhmm) (mmhmm) (mmhmm) yup yup yup (mmhmm) (mmhmm) so


be it online and offline, , how do you uh best rate, let's say err you are buying, an item okay like uh would, you rather have a physical touch


or, would you rather buy online like what is the percentage or you know at which point that you will buy online due to the negativity that we all are facing, you know for me for me , if let's say I want to buy a television a four K TV


okay I won't go online, I will go to the shop directly, you know at least you can feel the physical product, you can uh take up some measurement, whether it will fit right at your TV console that's for me


ah only those uh like uh big big items or those uh high value items I will never go uh online, so what about you <P2>jamal</P2> (mmhmm) (ppc)


that I have totally no comment man I've totally no comment ya I mean these are the things that you know uh, when when we go we meet the person or the staff that that the things that we want to buy uh the staff should know uh the item to propose


ya, and as as for me , when I buy things uh let's say, , big item okay I will uh go to the shopping that that that place and I will test


like I do I do keep records if the the salesperson said this, I'll I I will return back or on the spot I do research, so I go to another salesperson I do research again until I find the, the answers that beat that defined the whole thing


yup until then I will make a a final conclusion because you know , staff nowadays uh that that selling item, they tend to uh upsell in a way, hardsell and it's because they want to get more commissions based on that


there is a a a ups and down, in a what do you call that uh physical approach if let's say you don't uh go for online, (mmhmm) yup (mmhmm)


yup err I agreed on that uh I mean, uh quality of service quality of foods have to be uh tip-top, there is a a paramount of uh any business set-up


you know everything have to be good but, what really uh, what my findings are is that when they expand, uh so fast so big okay, what they tend to forget is uh they tend to


train hard for their chef to cook well, you see they they may be a handout okay this is the uh recipe this is a ingredient uh you just cook, that kind of approach, so it turned out differently


to the original one, I think uh that is a norm for those uh let's say for example a small business start-up which is, like you mention uh #boon lay# power #nasi lemak# okay last time is , start off with uh few person


alright in a in a in a small place, they can get the the the the quality that people are looking for but when they go bigger, uh fatter sorry I mean they go bigger further faster, , they tend to lose those critical quality


of the foods, that is where the whole business uh or sales uh drop, even though it is uh overrated but some some people are forced to eat some people stop eating some people


you know travel to other place just to get a good #nasi lemak#, ya you should you should you there's a way you know, ya correct correct yup and yup of course


and the worst part is , you know , during the phase two of uh uh uh circuit breaker, alright the phase two uh the shop stated it open twenty four hours, but when I came to that shop with my other friend


they says they're going to close, so these are the things that err shopkeepers need to take note of I mean, their initial sign is twenty four hours, but due to uh COVID and phase two, they should you know uh put a big poster like uh change of timing we might close early


at least twelve thirty ah, so at least that will give a what do you call that , uh it's a it's a two way communication you know if they put that that uh big poster and a timing, that they close early at uh twelve plus at least people know


at least people acknowledge oh this is uh phase two of circuit breaker, the shop is uh closing early, ya not like you know uh giving a false hope, for hungry people like us want to eat and suddenly oh they're closing


you just imagine that you know your your state of mind I want to eat you know and you go to the shop uh knowing that it is closed even though they put twenty four hours, it feels really bad, but luckily enough uh there is seven eleven that's always open twenty four seven


and ya, !walao! we get a a a a sandwich bread and ice cream ya, at least there's something to it at least there is a seven eleven, twenty four seven three hundred sixty five uh days a year, at least at least you know thank god ya


, or maybe one hour is to close down everything right, yup yup yup yup


mcdonald's is very good ya (mmhmm)


yes yes it happened to me a lot of times, yup (mmhmm) ya yup


all thanks to COVID okay, yup yup it's uh true enough but then again maybe uh the shop or the sales staff is being overly friendly, you know it's like they they they pull your hand hi brother come come come to my shop and they put a cream on your hand you know they put a lotion on your hand is is they are become overly friendly until they forget to to respect


the the the customer's side of you, let's say for that uh for your situation that you share just now, they forget to ask, do uh do this person have a a skin uh sensitivity issue they forget to ask that is where will cause a miscommunication and eventually it will fight among them


ya, I mean being uh uh what do you call that for the sales staff being being friendly is good but being friendly, with uh uh precaution measures that is they need to have a all in a circle for sales staff


yup yup yup yup yup yup yup


yup true true enough, yes yup


true true by the way I mean they need to go through a good training a real training uh of how to become uh more than just salesperson, because being being in a salesperson with lack of knowledge and also lack of err overall customer satisfactory is still really boils down to the effective of uh the overall business yup


yup yup what about it ya (mmhmm) correct


well same goes to me okay when I was err young that time, okay my face used to have a white spot, okay so I visit this this shop I think if I'm not wrong they call it uh uh


guardian, ya guardian so one of the staff, recommend a a a facial cream, that will help reduce the white spot on my face, and


my at that point of time okay my parents keep asking question here and there you know how does this thing works, so , I just listening to it and, uh surprisingly after I tried that for about uh one month


and, why when I return to the shop, okay the staff that uh help me and my parents uh the staff didn't recognise me, the reason being that is because, with the good explanation by a staff


and also a good product recommendation, so what I learned from that is that uh these two uh these two key and other important , aspect such as uh friendliness of the staff


, the patience uh of the staff the consistency of the staff explain, the product to the customer, and uh thank god that uh that the product that uh the staff recommend to me really works wonders


until the staff they don't recognise me you know previously with full full of uh white face uh white spot and when return back to the shop is it is like a miracle you know that the staff like thought I'm a handsome young young boy at the I mean at that point of time ah


and ya with that with the help of uh this knowledge uh with the help of , his consistency uh patient and also uh friendly kind uh showing uh , good uh good etiquette in the stores you know assist every customers


, finally you know my parents , give him a what you call that like some tips in order to to to to make to make the staff day go even better, yup yes correct and yup


yup it is it is a challenge (mmhmm), (mmhmm) oh yes


man uh same goes to me travel and tourism is really on my uh top of the list when the whole COVID situation is over you know, ya so what do you use uh which platform were uh do you use


in the sense that uh you are looking up to travel which platform, (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm)


yup correct yup, (mmhmm) (mmhmm) interesting okay


!wow! interesting ya so uh same goes to me uh normally , a website such as uh agoda dot com alright is a, uh my only go to website for travel


and just want to share with you a little bit more in in depth okay so basically , last few years I travel to Batam , okay so I look up this uh hotels uh resort in


agoda even though this uh agoda didn't they didn't offer like uh numbers to call for like you know when you reach at Batam what kind of activities that you want to do so what I did was , I actually call the hotel reception


and they actually the best the best part is that they actually give me a numbers to call, to fix uh uh to fix a date uh for example like you want a a a barbecue, and you want a barbecue is it uh with a chef or without the chef


and then activities like uh sports uh sports activities that we plan to do in Batam, they give me a lot of numbers like be it from uh trekking mountain biking ATV water sports activity uh banana boat they give lots of numbers


that is where , with agoda it really helps me uh to find more, details not more I mean not not only on the hotel site but, uh deeper than that, but it is still based on the the hotel uh customer service and and uh reception level


yes, is really a plus point for me, I believe a plus point for others too ya, (mmhmm)


absolutely man ya I can't wait for that, (mmhmm) (mmhmm) (mmhmm) (mmhmm)


oh !wow! !wow!, I see interesting


chef bob yes I know that guy he's a popular guy you know, ya, all his his foods are awesome as you have said right, yes absolutely ya, (mmhmm) (mmhmm) (mmhmm) (mmhmm) oh !wow!


yup that's the best part yup, alright and , would like to ask you what do you think of , uh buying stuffs online like for example you know recently we suffer


over a month plus of circuit breaker, right and how do you feel, you know being locked down in a situation whereby you can't go shopping and and you need to buy stuff for your car


and , for your family so do you trust, these uh online platform, you know let's say you want to get consumer electronics and gadgets or whichever it is, (mmhmm) (mmhmm) oh !wow! okay


well you know what , for my part too uh I share the same sentiments as you you know sometimes when for okay for my type of person I have to dress up in order to go shopping, okay if I didn't if I didn't dress up uh it will look bad on me that is uh time consuming you need to dress up you know you spend at least uh thirty minutes to one hour to dress up


and uh secondly alright , you need to walk down, from your house to the bus stop there is another second uh uh number two of time consuming and you need to wait for the bus which you wait about


ten fifteen minutes, also number three of time consuming and travelling distance is also about ten fifteen minutes, also time consuming and when you go to the shop you know when the shop is too crowded and


you enter the shop you have to wait for the staff to be free that uh he can engage you, so after all that uh uh to add up, you you know uh you spend uh money on transportation


you spend money to eat outside, and you spend additional money to buy the the product that you want for, so with this , uh you know when they launched uh lazada in singapore okay uh it really err


improve my daily uh what you call that uh, daily time spend, yup with uh with the help of my phone, alright I can just launch the app and boom, the thing just


pop right in front of my eyes and, , I do check the uh stock availability and when I press buy now you know it is so seamless you can just uh input in your, uh debit card or credit card and yup you just wait for the uh shipment to come


and the fastest is, yes is a it tooks three days, you know it tooks three days and it come, right on your doorstep, yup (mmhmm) (mmhmm) (mmhmm)


oh !wow! !wow!, so would you rather buy online or would you rather, go to the shop (mmhmm) (mmhmm) (mmhmm) (mmhmm)


!wow! man okay, (mmhmm) yup yup, it is indeed it is ya


(mmhmm) yup, I agree on that because uh it is uh due to , uh news around the world


uh youtube uploads that uh it change the entire thing of a product, for the consumers, ya and uh with that being said , ya it really because nowadays you know a lot of people


on the phone uh almost twenty four seven some of them having more than uh two phones, you see so with that , if the the the approach of these uh online , uh it does help a lot of people, yup (mmhmm) (mmhmm) (mmhmm) true enough ya okay


I'm into home entertainment and also smart home uh smart home automation, ya, not not I mean uh I'm speaking not that I came from err uh google sales consultant but I myself a believer of the product


yup (mmhmm) (mmhmm) (mmhmm) (mmhmm)


okay uh benefit of both is that uh android is uh open source that means you can install any apps, and uh especially uh samsung note series , the good thing of that is , it's a all in one phone so it's good for businessman businesswoman


yup and for for iphone wise they are highly a secure product, that means all your data is well encrypted, yup, and the plus point is that if you follow the apple ecosystem it will make your life easier like for example you know you can uh duplicate a text message from your phone to a macbook


yup but for uh android you need to go through a lot of uh steps here and there, and that will eventually crash the phone so yup


insurance, hi hello uh good afternoon, hi my name is <P2>jamal</P2> uh and you are


AIA okay uh so can you elaborate further what kind of insurance the you actually having right now


I see uh so do you think it's a need or not to have an insurance


I see I see so for me myself okay for my work field I definitely need an insurance because , uh my my work field is uh hazardous, so having an insurance uh for like medical accident insurance it will be a necessity for me


(mmhmm) so that's for my personal side lah and of course I have my medishield also, (uh huh) uh the insurance where you they deduct from my medisave and another thing is that uh


as as for yourself what so what percentage of your income do you actually spend for your insurance, thirty percent


oh that that's that's actually quite high ah, future use okay, so


when when you say that thirty percent right when you go for the insurance do you actually hire an agent or do you plan for yourself


I see uh so which uh what do you call that insurance company that you uh go with or does a lot of agent actually uh what do you call uh from other companies go to you or you just uh what you call that randomly go or


you uh, choose what benefits you the most


okay nice, as for myself uh I I've yet I've thought about having a lifetime insurance


because uh, , it is still it's still in consideration because uh what do you call that it's uh about planning for the future ahead , and uh, as of now like what I said it I only have this accidental and medical insurance but I still need to learn a lot


more on that, uh on on on that side of the insurance uh plan or policy, ya that's it, so uh


what question ah if I were to be an insurance agent I would definitely ask uh what do I stand to gain uh out of this uh insurance plan, because definitely , uh what what can interest me


uh uh if I were to participate in the insurance plan, so, if what I want definitely I want more money more money in return and more perks if they can give, (mmhmm)


!wow!, no what what I'm what I'm trying to say by whole life is actually term life insurance meaning to say they have this uh kind of saving where what do you call that you you pay a monthly fee maybe like hundred dollars a month uh hundred dollars a month and at the end of the probably they will lock you for about one year


or maybe five years uh out of I mean depend on the maturity depend on certain uh insurance company, right uh whether we agree to their terms and condition and then they will uh we will get back whatever that probably plus profit uh after that maturity period (mmhmm)


and, honestly for CPF coverage it is to me it is not, enough uh mean during this current situation right now where we face a lot of uh what do you call that uh


uh challenges, uh especially a health right and where the hospital bills are all , super high expensive and on top of that we only can use we we cannot use all our all of our medisave we only can use a portion of it


and the rest is cash so it will be great that we can maximise on that on on mean on the medisave uh insurance ya, so uh


have have you ever heard about the buy term and invest the rest do you mix insurance and investment or do you keep them apart, ya I mean have you heard uh have you heard about the buy term and


invest the rest, do you mix insurance or investment


(mmhmm)


I see, (mmhmm)


alright and uh in the near future right I mean do you do you have any plans, for endowment plan, to have an endowment plan


I see ya me too me too


oh so overall overall right uh, I mean for yourself do do you only buy insurance for yourself or for your family


nice nice nice nice nice, ya okay


ya I mean I'm I'm not single anymore I'm already have a family so I believe the importance of having a secure uh mind, where there's no stress thinking about okay what's going to happen next that's why I chose to bought an insurance myself


so for my insurance right I right now uh, mean for the investment insurance I actually bought with AXA, uh under what do you call that commodities ya so I I still remember I did invested err from my insurance agent uh


investment plan for commodities ya and it's for about twenty five years till maturity so it's a matter of time lah , and recently uh if I'm not wrong three years ago I actually sign up with chubb insurance because uh grab


uh they actually offer a good discount uh to sign up with chubb, uh uh for the coverage and it's not bad, see uh because in the field that I'm working right like I said just now accident


uh mean meant to happen sometimes and if you're unlucky you will get accident and from my experience right when I actually, face uh that that accident it was chinese new year last year


ya chinese new year last year it was a very uh emotional time where I got bang at uh PIE, err towards Changi and there's a family uh there's a passenger of mine inside and uh


one of them is pregnant luckily she's okay right and but I was injured and I am out of job during that time for about, almost two months and luckily I brought the insurance so it covers me


on the daily basis even the medical fees (mmhmm), ya and at least uh with that it mean it gives it it, gives uh what do you call that food on the table for my family when I am actually out of job which is I mean I've I felt at ease during that time


(mmhmm), yes so when you said there's a good side of insurance is there a bad side of insurance


so <P2>firdaus</P2> uh how how young are you now


twenty nine okay so <P2>firdaus</P2> do you have the habit of saving and how how do you ensure you meet your savings goals


and another thing right uh since you are almost he reaching your thirties right uh so what's one financial advice that you, would give to you, ten years ago


if you were ten years back what would you what is the financial advice that you were to give to yourself


(hmm)


(mmhmm)


okay, what about myself okay for uh my financial saving right now so normally what I did is that you know uh I get paid like every day so but of course I cannot use my money at one shot


right uh, I need to put aside some money but I have this habit where I need, I make sure that I actually uh keep ten dollars aside every day


so at the end of the month right I'll be accumulating about three hundred to three hundred and ten dollars, so that saving uh actually uh that money actually put into my saving for my uh, children for my child development in the future so uh I pick up this habit uh I can say since I do grab


about five years back, so that's what I did, and it makes me more discipline on doing other things and that's how I pick up on the insurance part where I know I can afford to take out not thirty percent but I can afford to take up probably about fifteen to twenty percent of whatever that I've earn for my insurance


(mmhmm) that's it, uh and uh


do you intend to buy a house,


alright so are are you looking at the property insurance of the fire insurance to cover your property


and definitely when you buy property I assumed that you're going to use your CPF right your CPF savings, alright so how do you manage your CPF saving what advice would you give to someone in order to maximise their CPF saving for their retirement


I see so, would you consider spending habits to be healthy have I mean do you do you do you, think that being healthy is important and would you consider spending habits to be healthy


ah


so do you do you plan to pay off your debt I mean I believe debt there's good debt and bad debt right so at your age right now do you have any debts


ah nice nice well from my from my understanding about debt no one can escape, without debt majority not everyone majority right especially when they take loan from HDB right I mean to buy to buy houses they're already at debt right do you agree on that


and what what advice that you can give to these people outside or uh to the majority especially me , okay uh , on on how to clear that debt


alright, let's go


ah (mmhmm) yup, (ppc)


(mmhmm), well I'd I definitely have a bad experience that goes way back during my first trial on buying, things online which gets me phobia and it tooks me many many years then I started to buy online again so it happened if I'm not wrong nine years back yes nine years back it was two thousand and eleven and the first thing that I actually


bought was uh they call this a utensil called happy call, right because my brother got one it managed to uh ship through so I actually bought for myself uh quite a number of it because uh some people actually wanted it and some of them I thought about uh the I mean


making it as a gift right and I actually, spent almost uh I can say a thousand dollars on that, because I I buy I buy bulk, right and and the, sad part is right


the item that I order, never came through never shipped through, and there's no refund, there's no there's no money back guaranteed, ya ah during that time I believe it is still new


right so there's no there's a there's there's no internet police there's no err what do you call that uh rules where you can get this thing back it's at your own risk, so I I I've I feel I feel I feel (ugh) bad and I feel hurt during that time because it's quite a lot of money during that time yup


and it's also the my uh my name you know, it's it's been tarnished uh because I mean some people order it from me also, so that that is one of the bad experience that I go through but you you see <P2>firdaus</P2> right


when when you look things now okay it's sometimes in I mean uh be it online or offline, okay I mean things like this happens, ah the we we we that I mean for me I experience uh this kind of negativity online and offline but not all the time probably the ratio maybe ten is to one


, I mean that I agree because we're the the question that you post right it is very subjective


it depends on what product, right but some products for example uh okay I just this is recently where I bought it online recently you know I'm actually wearing uh ten XL when uh on underwear right uh boxer


okay I bought it at peninsula ten XL it fits me well, alright so I assume, okay in the in the in the platform they have ten XL too right and there is


and I actually purchase it and guess what right when I put in it's only up to my knee, it cannot fit in everything so I feel cheated you know it's ten XL nobody not many people actually wear ten XL right I'm a big size person so what I do is that


I actually change the size okay I I try it again I give them one more chance right luckily it's cheap that's why I give one more chance okay and this time around I bought sixteen XL and that it fits me well


I know I don't know whether whether the number is wrong, or I'm getting bigger , ya then


(mmhmm), true true okay


, okay


while that that I totally agree totally agree with you, so I mean it it is bad that we need to go through all this stuff but like it it happens it happens right that is the online part


the offline part uh of the story like what you say just now is true and what I experience offline is another thing is that you know uh it was if I'm not wrong, three months back right I was so hungry I actually drive and then I saw a food


place I see it I mean the the pictures shows you know they they say picture shows a thousand word right and that picture made me crave for that food, right I want to taste it, alright I want to have part of it so I did order it and then when it arrives right when the food arrives though that I order


, I was so disappointed because first the presentation is not like the picture, right secondly the taste is tasteless


and the amount of money that I paid right it's not I don't think it's worth that much and it's overrated, right so that I mean


I do not know why but there are few uh I mean eating place where I think right now is actually overrated it used to be good I do not what I do not know what happen, it seriously uh for example #boon lay# #nasi lemak#


right it used to be good, uh even the Sambal and everything else but I don't know whether they go too big too fast and then they commercialised it until they scrap the quality, the the taste quality I'm I'm not sure what to some people it's good but to me it went down the in terms of the quality


well I feel like bringing gordon ramsay down here right and do kitchen nightmare for them , so they should improve because I mean we we are paying for the food, right we are paying for the food and we should get I mean good food not average food you know


so I mean I I know we I mean to me if I were to be a chef, if I serve people I want them to have the best, that that's what that's what how I feel right so definitely it's value for money right, (hmm)


(hmm)


, true


ya,


, , ya at least there's twenty four hours right but there's some shop open twenty three hours then that I don't understand


, maybe maybe right but I believe nothing like mcdonald's mcdonald's actually put a statement they got they gonna close they gonna close they are not opening damn we miss mcdonald's during that


time uh I miss the drive through ah, so , and another thing that actually one of the bad experience that actually pissed me off is that you know uh have you ever come across like a marketplace or whatsoever and then suddenly they pull you


a salesperson a sales rep pull you and then do a demo like a what lotion they put on your skin uh see it's whitening do you see that have have you come across that, ya it it should that the thing is that you know we do not know if that person have sensitive skin or not during that time I was actually going uh going out with my cousin and my cousin happen to have sensitive skin


right without realising suddenly her hand actually was being uh uh pull and then it they tested on her like that see it's good it's good it show her like that but they never ask her if I mean uh they never ask for approval, secondly they never ask her about their her health condition or whatsoever


right I mean you can always tell them verbally tell tell the client or the customer verbally okay this is good you know I I believe, like in the market sometime there this err uncles or whatsoever right they will use the microphone they sell their things okay you say this you test certain do do do do they cut cut cut cut cut !wah!


they can do that even with a skincare they can do that they can promote themself but they don't they want to apply directly on your skin and I don't really like that thank god with COVID right safe distance, they can't do that ah so it's is a blessing is a blessing in disguise also


ah, (mmhmm)


(mmhmm)


ya I mean I I I believe uh sales staff also need to be, educated and trained on on their field of work, especially for example like uh what do you call that uh pharmaceutical I mean like like guardian or whatsoever


most of the staff they are not able to explain to you or maybe, uh what do you call that entertain you about your your needs and condition we I mean we as a customer we walk into that shop right uh maybe yes we can read but if they can help us it will save a lot of time


it will save uh I mean for me it will save a lot of my time you know by or for example for example if let's say I go to this uh salesperson, right then I ask her ah ya I'm looking for deodorant for men where it's non sticky right where I I mean it it will smell good do you have that right or can you recommend me something


they just show just there that that place just go there there's the section, you know I mean it's there's there's no customer service there there's no uh what do you call that uh I mean I I find that's lack of customer service you know


so I think that area maybe they want to uh loosen up a bit don't be don't be too stuck up and then just provide the service lah I mean it nothing wrong with that right


alright okay I I want to share with you my experience right uh, okay , I mean like twenty years back right twenty years back I used to suffer from tuberculosis and it's very bad it is very bad and whence once I suffered tuberculosis right uh I actually went


for treatment uh to the doctor for about one year therapy and what happen is that uh, I find myself that every month I got easily fall sick, that is where I make a decision uh to browse through what can get me better what should I do


or what should I take, uh to make me feel better so when I browsed through they say that I mean we are what we eat, alright and , I want to I want to put, uh inside my body the good things


so I actually when I browsed through I found out I come across called, this terms transfer factor and I actually uh what you call that when I go go in in depth about transfer factor !wow! it actually amazed me that I mean and it shows a very positive sign


so to share a bit with you about transfer factor that I found is that uh they uh this transfer factor is a molecule which been found by if I'm not wrong doctor sherwood lawrence since nineteen forty nine


right and what happen is that, they patent this product, alright this transfer factor and !wow! it since nineteen ninety eight, alright and what happen is that uh I got to know about this product on two thousand and ten yes and guess what it makes me feel better because this is the only product that I know when I do my research online


they can actually make your immune system balanced, it educates your immune system as well and I was amazed and thank god for this uh this product and this services right I'm actually feeling better and healthy


if not last time when I used to work right uh I only maybe in a month I can say almost every month I I took an MC and it's not good, but now I feel good, so that is one of my positive signs in in uh experience where I actually go and get a good product which I can say it's


top of the world man , so


good


definitely tips always make everybody's day that I agree so anyway right when I mean I know, this current this current uh time health is uh what you call that it's a it's a challenge


right especially due due this this pandemic right so my question to you is this okay uh what will you do right if they announce that there's no more COVID, what will you do


if there's no more COVID for me myself I will first thing I want to do I want I want to travel, , I definitely want to travel right because I miss the experience


right, where everything that I do mostly is online right be it from the airplane and the accommodation but I can share a bit of uh for you I mean to you about my uh platform that I use I actually use agoda and I really love that platform


because agoda right uh first what I like about agoda is that they give you uh what a point system, where you can actually offset and redeem so you'll get discounted price, and uh when you spend that much right because I used to travel very often and uh you will once you uh increase in rank right under VIP you'll get uh more perks


and another thing that I like about agoda is that uh I mean I can review uh other reviewers about that that accommodation whether it's good or bad uh and I can actually see photos


right uh about they what do you call that uh the the rooms the uh the gymnasium the pool and everything else so that I can make decision whether or not I would love to stay there


and of course uh last but not least is that they always in agoda most of them they will put uh uh what do you call that, accessibility it I mean this hotel is accessibility to that so I can actually create my dream holiday whether I want to go to the beach uh area I want to be lonely or want to go hiking so it is very convenient


nice


yes, that I agree thumbs up to agoda


so, well ya, and the second thing right that I would love to do after COVID is to gather, like we used to do right gather have food you know go to one restaurant to another restaurant that will be great so what are my the the the


the , the last gathering before COVID that I actually went to was OCC at uh orchid country club, it was superb


it's and it's uh what do you call they have a lot of cuisines it's one for one right and the best part that we have a lot of people I think about twenty people, uh during that time, uh in one table !fuh! it was amazing experience because everybody was actually coming in you know and we already book the place for for twenty person


correct and and do you know or not that table, itself right there's a lot of food and people actually looking at us oh my goodness can they eat man , because it's a buffet it is nice ya I mean uh if you were if you intend to bring your family members for a buffet treat then you could go there actually royal palm


it's good, ya it's a if I'm not wrong the it's under chef bob, yup yup, (mmhmm)


especially the Tulang right the bone the bone marrows oh that's nice, and the the the people actually serve the waitress all that they are very nice and friendly and they're very helpful, uh and the place uh they have free parking


that's another best part it's good free parking, ya ya


, well honestly last time because I'm old school last time I used to feel uh I I can't trust them because whenever that we want to shop right we wanted to feel


right uh feel the texture oh this clothing is good right this thing is good does this smell nice does this suits me you know, I need to feel all that but COVID actually change my perspective, right now I and and I see that oh its trend now so right now the the the positive seeing is that I do not need to actually accompany my wife


to the shopping mall hours and hours alright I just tell her okay you just go through this uh platform where other people are actually going alright and then choose what you want I buy for you the best part is that I save my time, because I don't like to go shopping with my my wife it takes a long long time


ya , true


(mmhmm)


(ppc)


that I agree that I definitely agree


yes not you know what excited me most what excite me most what interest me most right now I'm actually I actually can't wait to look forward for the new thing probably I don't know whether I think it's about around this one they call it maybe iphone twelve


ya gadget it's uh it's a it's that gadget that I'm looking, for you know uh be , no I had I have this dream I have this dream because of social media right because of social media I have this dream that I would receive giveaway


I mean I don't know which platform that can give me a giveaway of iphone twelve it will be very interesting it will be a dream come through if someone who hear these or there's a platform that were willing to give me an iphone twelve, you know there there's a lot of like what do you call that this social media thingy that actually do that right well I it will be one kind of a experience and I believe it's it's going to be worthwhile


but but check it out you know iphone twelve is the thing that you should go, and look at, it's one of the best, ya


agree it saves a lot of time it gives more value why not right, , so uh what else what else do you do you actually like uh what kind of gadget are you into other than other than iphone


ah


nice so uh okay give give me a tips or an advice right between android right samsung ultra note twenty and iphone twelve right can you tell me a bit of both the the benefits


of both the the the positive thing of both


(hmm) (mmhmm)


alright


part one finance, uh okay Shafikah do you apply HDB grant when you purchase a flat


like like do you do you plan on purchasing HDB grant like when you get married or maybe if you don't want to get married, will you apply


yeah, yeah, the burden and the burden (uh huh)


so if there's like okay when if you plan to get married right I don't know if I plan to get married but like there's this proximity grant, I think ya like in HDB like you if you apply for that you get like two twenty K thirty K do you think you will apply for that like if you get married cause if like you you're planning to buy a HDB near your your parents or if you live your with your parents like that will you apply do you think


yeah


ya I I because you currently I don't ya I mean I'm glad ya, I'm planning not to get married, I'm planning not to get married so, there's a option ya


not not really, ya I just know there's a single grant, housing grant ya, and I I'm I mean like I'm still unfamiliar with this kind of thing but I know I know there's like


things that can help us buy HDB flat so like if when I'm older like I mean thirty five and above and I'm still not got like not married maybe I'll I'll I'll find find out more about it,


ya so definitely I'll consider, no definitely not too to find a house,


uh say again, other fees, oh fees, uh, there's the, property price


right, property price and then down payment, I know two of that property price down payment, ya, those two option fee


no idea I only know what down payment is but like uh I asked my parents about down payment right, it's super expensive right, so most people use CPF to cover it


do you think you'll use CPF to cover your down payment


ya cause that's what my my parents did they use CPF to cover their down payment, cause it's it, it can go off for like ten thousands of dollars for down payment so I'll definitely use CPF to do that


what does that mean


to what like like buy it first, oh okay, I I don't know much about it but when I when I when I, in the future if I were to go and buy a house maybe I'll get like


familiarise myself with it, oh, renovating my house


uh I don't think so, because uh, what sorry, no I don't think so uh I've, I I don't think I want to go through that admin and like logistics to go through a loan bank loan so I won't apply for loan just to renovate house ya I think I would rather use my savings


, definitely won't I won't use a loan


ya mine also uh my recent one was like twenty eleven also we didn't get a bank loan but I know there's, ya ya ya ya ya but I know there's options lah from banks but, from POSB or something, but I I I won't apply for bank loan


, okay speaking about HDB right, you you told me before that maybe you want to invest in property, in the future


ya you told me that before right,


(mmhmm), yeah


, it's also a gamble right when you do this, because


profit yeah, cause the the the the market fluctuates, in terms of


yeah uh for me personally I I don't think I'll ever get into property investment, I I don't I don't want to deal with all the, there're like gambling with the market and like I don't know if I'll get my profit back or anything ya so I'm I don't think I will ever


involve myself in property investment, ya but I think it's smart for you to do it cause , if you do it right then you'll get a lot of, profit in return right


near MRT ah, (hmm) okay


uh, how about when you like property investment aside right, when you get married in the future or when you're thirty five and single in the future and you want to buy a HDB right, will you will you


get a HDB loan or a bank loan


, (mmhmm), uh like from my knowledge right


bank loans, interest the the interest fluctuates, and then HDB loans are fixed, right do you know about that, no cause okay


like it depends like bank loan depends on like the banks and then depends on benchmark then the rate also in uh like fluctuates, then you wouldn't know what your interest is right so I think like safer to go for HDB loan cause it's fixed


and you know what you get, right, that that that's what I think lah, it's a safer, yup it's a safer choice but, obviously it can depend also, yeah


yeah, cheaper and it it's fixed, so you wouldn't you wouldn't have to worry about like fluctuating rates when you go for bank loan, ya so I'll I'll most, if, ya I will still compare the both like I will still compare within HDB loan and bank loan


but, ya I think safer, option is HDB, okay


oh, then okay okay, said let's say if you if you choose bank loan right, will you go for a fixed


of floating rate, interest package, ya


true


, ya true, but the like like like the HDB loan or the bank loan is still a gamble right you still have to, compare, one or the other which one is like based on the economy on on on during that time when you want to like apply for a loan then if


if like the floating interest rate is, higher, then you probably go for the fixed right,


, uh, similarly to, property investment right, I wouldn't want to get on the investment side


of things, like currently now, I wouldn't want to ya at the moment I don't know but in the future but currently at the moment probably I'll just keep my money in the bank ,


no I mean I don't have, I don't have much to invest anyway, like maybe until until I have a stable job income, uh I'll probably I don't know consider it but


as of now, thinking into the near future right, I probably wouldn't get into investment


no idea, I think I have no idea, yeah, oh


are you planning to invest


in the DBS the DBS thing, actually doesn't sound like a bad idea no but I I I've never really thought of it uh of like investing


because like, ya that's the thing ah that's the, ya that's the thing I I don't want to take the risk, when it comes to investing


that's just one factor, that, makes me not not go, to the investing side you know like safer option that's what I will pick, yeah


no currently my I think, like my family situation we don't really require to take out a loan


like I'm ya, ya, for university


oh actually I I was, I'm I'm not sure if I'm going to take out a student loan because I'm going to apply uni next year right, so maybe it might be an option but I don't know I haven't looked into that yet, ya but currently I haven't I haven't taken out any bank loan or yeah


no experience in that ,


five years ago, probably not spend so much, honestly that's the that's that's the only thing that I would tell myself not spend a lot


ya I like, like if you say like there's this ten k DBS investment thing if I would have known like five years ago then I I I could've saved, maybe invested, ya how about you save money


oh ya ya


ya same,


ya, ya ya ya ya, ya I think I would have done the same thing if I knew


and the top thing is not spend so much money , , ya the mental advice, invest then you'll get more money later on


negative experience, ah Yikah, uh you got buy something right like you just bought it, and then


like it it got damaged, what, ya


, yeah


(mmhmm)


, ya, the cable,


they ignored you


yeah, , I hate it when they do that you know


, ya


ya, it's what irresponsible you know for the seller,


mine is right, from Challenger, cause uh when I when I go to Challenger uh I always go to Challenger to buy my electronic stuffs lah besides my like handphone and gadgets and all that that one I go to the real like you know Singtel and Starhub store but there's this one time when I went to Challenger


I wanted to buy portable charger cause I like I urgently needed it for the next day for my camp, my NCC camp at school like cause it's an overnight thing right is a two days camp and I had to overnight there and then the teacher told me that uh you don't bring your your your your plugs for your phone bring portable charger


ya then after that I I bought, I specifically ask the the customer service like the person the people working there like can you recommend me a good portable charger, that will work cause my sister my sister bought uh portable charges before and then it didn't work for her


ya so that's why like I took measures to ask lah like do you have a good portable charger that you can recommend me that I can buy, and then the guy recommend me a few and obviously I I chose like the the cheapest one lah even though it's the cheapest it still quite expensive I think it was like


fifty plus sixty plus, ya for the portable charger I think the the brand is valore how, I don't know how to pronounce it ya valore valore ya I don't know ya but then that's the brand, and then


when when I tried it uh in the store right I ask lah I request if I can try it in the store I even brought my USB cable to make sure that it works then uh they said okay they they let me try and then it worked


at the store it worked at home when I bought it home it still worked when uh when when I was charging it it worked , the next day, during camp when I needed it when I needed my phone so badly to take pictures right cause my my my teacher told me to take pictures of the activities right


then my my battery was uh I was out of battery, I had like, a few like one hour to charge it or something and then I was depending on my portable charger, but then when I plugged it right it didn't work, the the number showed like hundred percent you know it was charged to hundred percent but then when I plugged it it didn't work


then I I got so angry, then I had to run around and ask anyone if anyone has like a portable charger then I had to uh I borrow my friends ah then after the after the camp, I went back and told them the problem ah and then I asked if it's maybe my USB problem but then when when when they when I tried my USB on another portable charger in the store it worked so it's not my problem is the product problem


is literally the next day you know, then it didn't work, so I paid that for product that didn't work but then uh but thankfully I I I got refund lah cause the Challenger there I have a membership and I still and I got refund then I just bought another one


but it's still like, a super bad experience, ya, also don't know


ya, the , recently right my mum bought this, automatic vacuum you know those those the circular one then you'll just press ya ya ya you press then put it on the floor and then it'll just automatically go around and clean your floor


ya that one she she bought it off Facebook, I I don't know if it the the link led her to another website or what, yeah I didn't I I wasn't with her when she bought the product but when it came and then she tried it it didn't work at all


like the like it turns on, but it doesn't clean well, like like it do you know the the bottom brushes that turns around and then it will clean the thing and then, like it will absorb the dirt into the the the trash bag inside the the compartment right


ya, that thing also doesn't work like the the brushes right, it catches all the hair and then, it's just there it will just be there and then when it when it, ya it doesn't go in ya so it will just collect there right and then it will get stuck at the the the bottom and then we have to manually clear it out that for what might as well just use just sweep on your own right


and then it wasn't even it wasn't even cheap is is our first time buying this kind of like automatic vacuum, so I don't know if the price this price is like expensive or not lah but it was seventy five, dollars


for that I I don't know if it's cheap or not, ya it it just, ya, it just moves around it's just a robot that moves around technically doesn't even clean the floor


it's so bad, don't buy that I think I'm not I'm not sure if that's this is the name of the brand but on the top it says smart, ya just watch out for that any product have the the the product name smart


ya don't buy, definitely don't buy, you eh do you have


, months later


!wah!, make sure have another extra sofa, (hmm)


did they promise that it will come in one week, !wow! then they just ignored then they just ignore !wow!, so annoying


uh, do you like , like , bad experience, with a bubble tea shop


oh uh a bubble tea ya bubble tea shop bad experience or like you don't like their drinks or something


really, ya


(mmhmm), like plastic, or rubber oh


, for me I like, for me I must have pearl in my drink in my milk tea


must is a must if not I won't feel satisfied, ya the chewy chewy texture exactly that's that's what I look for in pearls you know they must have chewy texture so that's why right , at first right when I when I got into bubble tea right my go to is Gongcha


then like they for for me Gongcha had the best milk tea with pearl, but after awhile right, their pearl started getting softer and softer I have no idea why, like out of nowhere right


uh it it it got soft, and then it tasted like when when you when you chew on it right it gets stuck to your teeth, so it went from my go to from my go to bubble tea spot to to my least favourite right now, and then


for you you don't like your milk tea with pearl right, I ya ya I hate, the brown sugar milk tea, I hate the taste of brown sugar so to put milk tea which I love and brown sugar together that's just no