so for that particular endowment plan the payout is supposed to happen in twenty when I turned forty two okay so how has the experience been it has been okay but I'm a bit worried because I have been looking at newspapers and I realise that, sometimes the payout for the endowment plan is not really very uh substantial so that's one worry that I do have


but I have been assured by my agent that whatever it is I I should be able to get some returns on it , in terms of the in terms of other insurances we do also have other types of insurances uh perhaps my husband <#Fazli# can share a bit more with regards to insurances for buying a car or property


sure, so for maybe myself we'll talk a bit I'll talk a bit more with regards to travel insurance so as a family we do travel quite a bit almost every year so for us usually what happens is if we travel with my mother I would usually get NTUC income travel insurance because they actually have a policy that allows us to include


current existing uh condition so my mum given her advanced age she does have a few existing conditions so I will actually usually pay a bit more, to ensure that she is covered in in case we are overseas and something does happen to her, so uh she will usually on her own get NTUC I'll get it for her and then for our family I think generally we are quite open because of the fact that


uh for our family we'll just by a family package and then we'll just look at the the the in terms of the coverage we'll look at the price, so we are not very particular with regards to having the need to include pre-existing conditions so for travel insurance we have actually gone with uh quite a number we have gone for AIG we have gone for Etiqa we have gone for AIA so quite a number of different insurance companies for travel insurance itself


now in terms of my domestic helper I do have uh of course a uh coverage for her as well that's the basic that we need to actually include so currently with uh for her we actually engage NTUC to provide coverage uh I've tried to increase the


coverage for her in terms of uh hospitalisation or accident so I cannot remember the exact name but I do know that the coverage is actually slightly higher than the normal basic plan , now maybe uh I'll move on to the next question whereby I will say uh I what do I look for in an insurance agent it was really quite by chance how I met my current insurance agent because she was actually doing a roadshow uh outside


and we became friends from there , definitely in terms of insurance agents I will look for someone who cares for your well being and not someone who's very pushy in trying to make commission okay that's definitely something that I'm not interested in, so for her she has proven to be a very caring agent and she has basically helped us through the years from the time when I was a single lady to being a married to now being a mother she has basically help to look out for us uh she's also very much open to


finding ways in which we can have coverage without taxing on our financial uh, responsibilities so she's not one who will just uh, push all the various expensive insurance policies just to make a commission, but she is really looking into our needs and ensuring that it's something that is affordable for us as well so someone whom you can be comfortable with someone who's very much aware of the various products that's available out there and who can advise you accordingly I think that's something that I would really appreciate as well


now maybe I'll move on to another question with regards to ILP, I know a lot of people are also a bit reluctant to have ILP but upon hearing my insurance agents advise we decided to get ILP just one per child for our children because the rationale is usually for children at the younger age the


in terms of them the worth of the ILP is much better as compared to buying it for adults so for them we have bought one per person okay I think for ourselves if we were to buy ILP I won't be very keen because I do know that a lot of people are saying you actually can earn a lot more if


you were to invest it in other means as compared through ILP itself because ILP does include coverage and that reduces the amount of capital that you have for your investments itself so perhaps for the area of investments I would leave it to my husband Fazli to share


I think initially uh currently at the current stage of our life it's really spent a lot more on insurance policies protection


for our family for our children so at I know it's supposed to be something that we should be looking into retirement and getting uh some funds set aside for our investment, but really right now at the moment it's more with regards to family protection but I think for us the biggest investment that we would have made thus far would be in terms of our property lah


in terms of upgrading to a private property uh and hoping that eventually one day we'll be able to sell it for a profit and through that it'll get a a lump sum profit from there so that's one of the I would say the the investment things that we have actually done till now, we have actually been looking into using all those


robo investment uh, companies to help us in our investment but we just haven't gotten down to doing it as well I think given that we are quite tied up with work and family we've not really had much time to look into it but it is definitely something that we have to start looking into given our advancing age lah the fact that we getting older and so forth


but I think in general both of us do agree that we would prefer to keep savings or rather term, sorry uh our investments and our insurance separate if possible uh because we do know we are aware that you do not get as much returns from investing with insurance companies as compared to doing it through other means okay is there anything else you would like to add


uh perhaps I can talk a bit with regards to uh currently in terms of our thoughts on the dependant protection scheme and so forth I think generally we are like I've mentioned earlier we have quite a bit of insurance policies


because of the fact that we have a big family and we also feel that what the government has with regards to the DPS MediShield life it is not enough it is enough, barely because even in terms of the protection uh mean your coverage for dependant protection scheme it's less than fifty k it's really not sufficient for our family at all


so we would prefer to top it up by having term insurances so for both me and my husband we do have term insurances, uh for the fact that if anything were to happen to us number one we would be able to have uh enough uh income for our family for our kids and number two our property would basically be covered as well so we don't have to worry about losing our property should anything happen to us so we do not rely just on government uh policies we do top it up on our own


in terms of uh MediShield life as well I mean it's a good thought and so forth but at the end of the day we would prefer to have extra coverage as well hence we also topped it up with our own respective , hospitalisation plus uh other types of policies lah to basically help to ensure that we are prepared so


in general I think it's a good effort by the government to provide all these uh policies but it's just not sufficient for the uh for the family of our size and to ensure that our family continues to lead a comfortable life even if anything were to happen to either one of us do you agree Faz


okay so I will start off with uh the negative product review I'm Wan okay so if my husband earlier was uh saying that he's a big fan of online purchases for clothes and uh other


products I am not I'm the opposite of him because I've had quite a number of negative experiences buying online clothes especially uh the most recent one was actually with fashionvalet it's basically a very popular online company from malaysia so they bring in quite a variety of


clothes and fashionable uh design uh to uh Hijabs and so forth I was quite uh disappointed with them because I bought quite a number of uh items from them in terms of blouses and so forth, the reason being when the items came I realise that equality was really quite poor


uh and in terms of the material it was really quite thick and so forth which is not very suitable for singapore's climate and also in terms of the cutting it looked very different from what was shown on the website itself the pictures and so forth so I was quite disturbed by it because they are actually a very very well known


online E-commerce for uh muslim wear but the fact that you know when the clothes came in out of the five blouses I had to return three, that actually showed just how unhappy I was with the service, now the thing that made me even angrier was after the fact that when I returned the clothes


using this specialised delivery company that they actually employed it took them almost two and a half months to confirm with me that they have received the clothes again, okay so that was really quite bad because of the fact that I wasn't sure during that two and a half months if the clothes were lost somewhere if it was gone and I actually had to do several emails to check in with regards to where exactly is my clothes now what's the status of my


uh was that uh exchange and so forth so it was quite bad, uh I was very shocked by just how bad it was because when it came to them sending the clothes to singapore when I first bought it it was very fast, but to send it back to malaysia it took two and a half months and it was also after much email uh and so forth so I was quite put off by fashionvalet and since then I've sworn off buying anything from online shops


another negative experience that I would share with would be in terms of uh travel I think this is something that Faz may also be able to recall uh there was this one time that we actually took up a company called quotient travel when we went on a family holiday to #new york# and this


quotient travel is basically a company that helps to create a customised travel experience for your family, it was very expensive because of the fact that it's customised right but what put me off was the fact that the travel uh consultants were not even aware and of of of the distances of the recommendations in terms of the location and so forth


so when we gave them our our planned itinerary like what we wanted to do, and they said oh it was all doable not an issue so they crafted the itinerary based on what we had given to them, but what we didn't realise was that when it came to the actual uh when we were actually in #new york# uh a lot of the locations that we wanted to go were very far


uh it's not a matter of just going and travelling for half an hour but was a matter of travelling of hours in between locations and uh they of course the travel consultants did not advise us that it was not feasible in anyway they just say oh it's possible and the bad thing was they pre-booked all our attraction tickets so we had actually paid for it


but when we went there we realised that we couldn't even go from uh location to location from attraction to attraction because of the number of hours that we needed to drive, so I was quite put off by that because I felt that as a travel agency you should be more knowledgeable you should know that this is not workable then you should advise your customers accordingly then another thing that I think both me and Faz we were quite angry about was about


the fact that they got this uh guy to basically helped drive us around but he was really very uh uh particular about his working hours so he was supposed to drive us around in the afternoon I mean the whole day from like eight to about five, but what we didn't know was that that eight to five also included the time that he took to drive from his uh uh residential area


to our hotel and then back again which we felt was very unfair because we had paid for a full day's worth of driving but he was only able to offer that limited number of hours and all this came at such an expensive price per person so since then I have sworn off quotient travel I told Faz I would never take them again


do you have anything to add Faz


okay maybe I'll talk with regards to a customer service hotline of a telco uh we have called because we are basically both of us actually under Starhub, so we have called in several times because not only do we have Starhub lines we also have Starhub cable and our home phone is also true Starhub so there are occasions when we actually had to call them especially when our cable TV broke down because there were some connection error and so forth


it is always very tedious to get through the line because there's always a very long waiting call uh waiting time to get through and sometimes the thing that makes me very frustrated is after having waited such a long time they still can't fix the problem then they say that oh we will have to send someone down and then you have to pay for the transportation charges and so forth


which uh when they came the following day or few days later they realise actually something that could have been solved quite easily through the phone so there was this occasion whereby you know I mean at that point of time it felt as if they were just trying to push like oh let's just end this call fast let's just try and solve it in another way


uh by getting the the the people to come down and check it on it so that was not very uh pleasant uh in fact with regards to Starhub also with regards to their cable TV I think we just very recently also terminated our cable contract with them


for the very simple reason that we feel that the variety of channels that they have now is really quite bad a lot of the channels that we used to watched is no longer offered on Starhub, and then uh what made it worse the literally the icing on the cake was uh even our children's uh favourite channels like the Disney channels and all were also taken out so that basically left us with very meaningless uh channels that none of us really appreciated or even watched


so just a few months back we decided to terminate it and then we just continue on with our Netflix so this is something that maybe they can consider looking into lah we will we will quite taken aback because we have been very loyal fans I mean even though people are moving towards Netflix and all we still had cable TV for quite some time


it was only this year that we really couldn't take it because it was just not value for money, I mean the price was still the same but the number of channels that were offered were just so pathetic so we decided to just cut off and and and move on from cable TV so till today we do not have any cable TV we do not sign up for Starhub or Singtel whatsoever it's just Netflix


anything else you want to add for other experiences


okay uh maybe I'll move on to another experience that we had with regards to travel and tourism as well we had one staycation at the hotel before uh also another very well renowned hotel but the experience was very much the opposite of what we had with uh Ritz Carlton


if you remember Faz about, nine years ago quite awhile back we went for a staycation at Fullerton, and then uh that was supposed to be a surprise uh for for for for Faz because of his birthday but what happened was when we checked tin number one the


the the the I mean the person of course the receptionist blurted out oh your decoration is all already so it was like !huh! why you telling it in front of my husband now he knows that there is something there, so that was one and then number two when we went to our room there was another person already inside there was another guest already inside our room


so for some strange reason that was a and they had actually given our room to that guests as well so that was very weird because he was looking through the decorations and wondering what is this all about and he actually opened up a box of gift that I had actually pre-sent beforehand and he was reading our card so that was really quite awkward you were like eh why is he doing that


so there was number two and then number three when we were there during our stay there were several occasions when the , concierge or even the the the the the the chambermaid actually opened the door without even locking or even like you know pressing the bell to alert us that she was coming in it was just literally just she going in so like for some strange reason it didn't seem to register in their system that they're actually guests in that room


and that occurred several times so we were quite disappointed because we were hoping to celebrate the birthday you know in a very nice manner, and then we had we had speak we had paid quite a sum for it but in the end it was quite a let down lah so that particular experience was with Fullerton hotel, uh I really hope that uh they have uh improve tremendously since then uh in fact one of the things that that was kind of a put off for us lah and that's why we didn't really want to go back there again


uh coming from a five star hotel as well, so that is one experience that we had uh for for travel that was also quite negative any restaurants Faz that you can think of that that that we had a negative experience


okay maybe we will start first uh I'm Wan I'll start first with regards to food because it's something that's uh very close to our hearts we always go out every weekend to basically eat, I would like to talk about a positive experience that I just faced a few days back when I went to seoul garden for their lunch buffet


so I was very very impressed by the quality of the food and the array of food that they had because they have actually revamped their entire menu so now they actually have a supreme set and a premium set and I was very impressed by the fact that their, premium set actually included Wagyu beef


it included free flow of uh salmon Sashimi and so forth so that was very uh affordable because you only have to top up an additional ten dollars on top of the usual buffet lunch price in order to get that premium set, so it was really very good quality I was actually expecting something of a lower quality like for example maybe the salmon Sashimi was a bit uh low grade


but to my surprise it was really fresh it was really good and it was free flow so it was really a very good experience uh the food was really good and I was just telling Fazli about it and I was telling him that perhaps one day we can go together and that he get to experience it with me as well because I was not with him when I went to uh seoul garden


another food uh place that uh we quite like I think with regards to variety when it comes to buffet would probably be carousel, because again that place it is uh able to afford us a wide variety of cuisines from different regions we have western food asian food and it is not that affordable I mean but it is uh


well worth the money because again of the quality of the food especially if you go for the dinner buffet you get very good premium quality Sashimi as well as oysters and so forth which Faz absolutely loves so, that is one thing that we really like going I mean currently there are many different uh buffet restaurants out there we have gone to aquamarine and marina mandarin we have gone to grand Hyatt straits kitchen but I think at the end of the day because of the variety of the food and and of also the very warm service that we get when we go carousel at royal plaza


uh we prefer to go to carousel itself so that's really a place that we both, quite like and we will save our special occasions by going to that location anything to add


ya in fact we are when you're talking about service uh and the warmth of the customer service I'm reminded of one restaurant I think you would probably concur with me as well malayan council at arab street I think the owner of the restaurant really provides good personalised attention to you


every time we go there we will somehow or rather be given free appetisers or free desserts I think uh it has never been a case whereby we did not get anything for free uh he would always come to our table and he would personally ask how are we how's the food whether it was value for money and so forth very warm nice approachable young man


and very eager to please and of course the portion of the food in his restaurant is really quite huge as well, sometimes we end up not being able to finish because when he gives us free desserts is not a matter of just one cake but he will give us two cakes, so he's really a very generous guy not that we're saying we need to always get free stuff but I think for for us we will definitely remember this restaurant as one that really went above and beyond in terms of providing good service


okay maybe I'll move on to something else before I talk about travel which I think Faz has uh some similarities in terms of his thoughts I'll talk a bit about my experience for health and wellness as well, back when I was younger uh before I had many kids I actually am uh enrolled in Amore spa and uh spa and fitness so generally in terms of their lessons


I was generally quite happy because they offered a wide range of classes so they had things like kick boxing they had belly dance they had uh pilates and so forth and I really appreciated that variety because I I'm not one who would like always to go for one particular type of class I would like to try out different types of


uh classes just to excite things a bit and try out different types of exercising if I want to go for a slower movement I will go for pilates or yoga so and this is something the Amore actually has to offer so I was actually quite uh happy with them for that, at the same time also their gym was not too bad uh it's not big but from the various outlets that I've been to I've been to the one at hillion


to the one at Jurong point uh these are the ones that I frequently go to because of location, generally the gym is just nice in terms of the equipments that they have so I also appreciated the variety of things that I can actually do and the personal trainers there they're actually very warm they will come up to me if let's say I'm not very sure how to use a particular gym equipment and they will actually offer their pointers and so forth so I was quite uh


impressed by that now besides their gym I also actually took up a package with them in terms of their spa so actually uh took up quite a comprehensive package that allowed me to, go for let's say about six uh facial and six uh massage uh packages and I was really quite impressed by that particular experience because of the fact that


their spa and in terms of facial and as well as uh massage uh massage is really quite comprehensive their spa I mean their facial consisted of, different types of treatment eye treatment, uh you will have a back massage then you have several types of mask and then they also use different kinds of uh equipment just to get your face done and so forth so it was really value for money uh a a facial can last between one and a half to two hours


and it was something that I appreciated and I look forward to all the time I mean in terms of pricing I think it's more worth it if you buy in a form of a package rather than individual facials or a massage, because it is definitely much cheaper so I think that's something that I do lookout for as well if I want to buy a


a a package per se to see how value for money is that particular package itself, but of course given that we've also heard many stories of companies winding down and leaving there uh their their their customers in the lurch, uh I'm also a bit apprehensive but I do know that Amore is quite a stable company so far so hopefully they won't ever be in that predicament lah then I won't have uh you know I won't lose out in that sense


now I maybe I'll move on to another uh topic with regards to travel for Faz and I initially in our earlier days of travelling we would always go with dynasty travel uh we have liked their service because of the fact that, their tour packages are actually quite unique it is very different from the others like Chan brothers and so forth so for dynasty travel they would offer us uh places that are a bit off the track so we we appreciated that aspect and it's not that expensive as well it's quite affordable as well


and then one thing about dynasty travel which we really really appreciated was the fact that us being muslim travellers ah we would always end up being the only muslims in the tour group, but somehow or rather they would still be able to accommodate to our dietary needs so for example during our honeymoon we went to america and they actually helped us to ensure that whichever restaurant we were at


they would tell the restaurant manager that oh this one is just fish or seafood so they would really go the extra mile and that was something that we really really appreciated and that was a positive experience maybe Faz you can share about our other experiences with them


okay maybe I'll continue on with regards to education with regards to our children's various schools so we have tried quite a number of different enrichment centres and so forth uh, but I think the two places that we were quite impressed with would be number one uh julia gabriel the one at uh we we went to the branch at forum I think that one is a really very good place to introduce children to speech and drama from a very early age the teachers there are very very passionate


they are also very friendly and very loving with the kids, and I like how it's always a very interactive lesson uh because for us usually we would send our kids they're were much younger before they go and enrolled in kindergarten, so parents will be able to join in the lessons as well and it's a very very interactive lesson and students and I mean the children are basically taught basic numbers alphabets colours


but in a very engaging manner through dance through singing and so forth so that was something that we really appreciated because prior to that we did go to another playgroup but we were not very impressed with that particular playgroup lah so we made a change to julia gabriel and we were very happy with that


and then another education uh school that we are very much impressed with is our children's current uh kindergarten, called early years Montessori uh which is currently at uh Clementi area so for that particular school all three of our children has been there the first two has already graduated another currently the youngest is in there we really really appreciate how the teachers actually create the curriculum it is based on a Montessori style


but we liked it because of the fact that they provided both indoor and outdoor play so they bring their lessons out in the garden, uh it's not just gonna be all in the class and we also appreciated the fact that they expose students to really quite unique experiences for example when they do art it is not just a matter of painting or or colouring but there was once in which they invited this american artist over


and he got them uh he he conducted a workshop for them with regards to just drawing of circles so that was quite an interesting experience and even in terms of the various learning journeys that they bring the students on it is not at , common uh places that we usually go to like the zoo or the bird park they actually go to places that are quite unique


for example they had an art lesson at one of the bridges in collyer quay uh and then they just sat down there and then they just painted the bridge and the reason why they went there was because the bridge was also drawn or painted in a very unique way as well, or they might bring them to a pottery like uh


pottery place and they actually created little ceramic pots for their parents so it's really quite a unique uh experience my first two children really enjoyed their time there and currently my youngest is also enjoying his time there as well so that's something that we definitely are very appreciative of with regards to early years itself


is there anything you would like to add about education Faz


insurance


okay I think I give uh okay during this conversation I will try to give as much personal o opinion as I can uh why we buy insurance and all that so basically for insurance uh uh we have stick to one particular insurers which is under AIA the reason being uh number one we because we have a very reliable insurance agent


uh we have been working with her for almost ten years plus coming to for one uh for fifteen years for myself is ten years plus there's a various type of insurance that we have uh purchased uh I think uh basically uh as we uh understand that our family nucleus is getting uh more so we have uh


three children plus myself and my wife for five of us so I think uh during this period of time uh insurance is a very important uh I should say asset to to our life because uh, one thing for sure that life is very uncertain and uh there's a lot of surprises in terms of you know uh nowadays uh you you you notice that there's a lot of viruses coming along there's a lot of uh different types of you know medical conditions that can be uh be a surprise to you uh especially when you reach the middle in the middle age


so I think uh we we want to secure uh life so meaning that if anyone of us are down with any type of illnesses, uh so uh uh there is some some form of backup in terms of uh the finance uh uhwhat what are the uh


uh finance reserve that we can get uh out of this insurance lah so that we are able to support one another in terms of financial uh capacity of our daily life lah so okay so, in terms of uh we have a couple of insurances that we have purchase uh uh we diversify this type of insurances from uh endowment plans to ILPs and also in more importantly is the critical illness and the uh medical insurances


okay uh okay so basically for insurances uh I think, how we uh, uh uh balanced up our our our daily expenditure is whereby we set aside at least ten percent of our income to purchase at uh different types of uh insurances


okay uh the the first one I think covering on uh I would come to do to the area of uh uh setting aside some uh fundings for our our children uh when they turn, a certain age I mean uh to pay for their education so we have this uh ILP as well as an endowment plan so which helps us to uh save up for for


for their education, so meaning that when they turn the age of uh maybe sixteen uh when they go to the tertiary education there there's some form of savings that we have already gotten for them so we don't have to uh really, uh pay all this education uh finances through our pocket money but I think we will rely a lot on the endowment plan or ILP


plans that we have bought for them okay but in terms of personal insurance I think for us as adult we have uh as well as the at the kids we have covered ourself with a quite a comprehensive insurance coverage okay so maybe I'll end my question at the first topic here


okay so okay maybe I'll just touch a bit because a substantial amount of our salary or our daily finance comes from a car insurance lah so that is, a big chunk of it which we have spent on the car insurance because I think as a big family, uh car is a necessity for the whole family so maybe I'll touch a bit on uh our car insurance so for car insurance uh I have uh been with the AIG car insurance for almost three the third year now okay uh because uh firstly I'd let me just go through the process of how I


I I get this uh car insurance and all that, so firstly I think it's important that as a car owner uh you uh you do your due diligence in terms of comparing the uh the the different uh uh the, prices for the car insurance of of course we as much as we can we want we want to get as the lowest car insurance as we can get from uh companies that are out there because there's a numerous companies they're offering good packages uh value for money insurances


so maybe uh firstly what I did was to first call the the the the uh car insurances so various I will email them and ask for quick quotation because I uh understand that uh I'll uh I'll firstly I'll do my uh research


for which uh uh for which uh companies are offering uh value for money insurances for example uh for AIG the first thing where before I start to renew this insurance I will I'll call them and see what they have to offer so basically uh


I always rule uh follow uh because in my conversation with friends or my family members uh I think they are more experiences in how they get this car insurances so basically the first thing I will lookout is for uh how comprehensive the covering coverage of the insurance are, firstly I will look at an excess ah so excess in terms of choosing the excess for cheap uh cheaper premiums so but uh lot of people have also warned me that


uh I will have to pay more upfront if I were to get into accidents so it depending on uh how the coverage of that particular car insurance company lah so basically I don't I wouldn't want to pay uh any amount of excess if I were to get into an accident, uh so this is the first thing I look into or of course the NC ID also because I think as uh a very experienced driver uh


my NC ID is almost to zero so uh actually this also helps me to lower down has helped me to lower down the the basic premium for the car insurance, okay and I'll also look at uh how comprehensive like uh what other authorised workshops, that they cover because as much as I want I would want to come back to my authorised workshop so that uh it's easier and then in terms of quality of repairs is much better so I think for this year I already got good good good package of around nine hundred from AIG so I decided to extend it for another year


uh I used to have uh insurance company coming from NTUC so I think I have a uh fair share of, uh insurances company from different insurance companies so I think for now I have been with AIG for three years lah so I think this is uh the part that I will really look into on a yearly basis to to to to cover as little as possible for my car insurances ya so


Wan maybe you want to cover on uh other types of insurances if you you have in mind


okay so basically uh for investment I'm not a really a gungho uh investor so in terms of investment one of ya like what uh Wan was saying that I think ILP is one of the areas that, uh I really invest my money into uh like what uh I think there's a question on whether we should uh which one is better to have everything in a nest or to really diversify so I think uh I've read through a lot of uh


uh articles uh I think uh a little bit of knowledge on this area of uh investment so uh basically I think uh for my part of investment I would really look at uh allocation of my investment, uh the strategy that I'll take is to to to diversify in uh the areas of investment because uh I think you have to have a very smart port portfolio whereby


uh which type of assets you can hold I mean spreading your investment across uh different and assets especially during this volatile uh situation uh I think a lot of things are very uncertain so especially during this COVID situation, so uh I think a diversified portfolio uh can really help you in uh balancing up so you don't lose a lot of money on this


uh the the the the risk is pretty low so if you were to do it uh effectively lah so how to do it effectively I think uh it uh uh also looking at my age because I'm thirty seven right now, so looking at the retirement age of maybe sixty-three sixty-four I would have uh maybe thirty years more of uh uh life the years ahead ahead of me so I think traditional investing is


uh I I would say that it's not suitable for me because as the older I get uh the less risky my uh I I should have a less risky form of portfolio lah so I think at uh looking at thirty years, I should really weigh up uh towards a maybe from stocks or a a little uh uh less of a aggressive investment so I think looking at stocks uh a little bit of looking at maybe rights uh uh


uh and uh an another types of portfolio okay so I think uh I'm not really knowledgeable in this much but uh for me this is uh one uh knowledge that I have or maybe one strategy that I would have uh looking uh the the years ahead so yes so this is on uh maybe


if you ask me about for investing whether to mix it up I would mix my investing up, ya, uh maybe Wan you have anything else to say


uh yes I think I totally agree because I think uh we'll uh uh we have uh experienced quite a number of ups and down in terms of uh how we, manage our finances and so on lah so uh for uh I should say for in terms of property also we have uh experienced uh a loss in this in a sale of our property because uh I think we started off as a


buying a resale flat for example so maybe I just go through a little bit of the experienced that we we have, so we we sell it at a loss because uh upon maturity age uh MOP uh we decided to sell it uh to upgrade to a new private property


so I think we sell it at a loss but if with current property uh buying as a first hand owner uh I think we managed to get it at the cheaper price and hopefully in the uh five years or years to come we are we are able to sell it at a higher value lah, so we are looking at really around thirty to forty percent uh maybe it's a bit uh ambitious but maybe this is something that we are looking at thirty forty percent of uh


uh profit in terms of selling our property, ya so I think that's in terms of the, the finances that uh experience that we had is


uh ya I think for for that purpose of uh I think for travel agents or maybe I just add, uh one more thing uh one negative experience that we had with uh Chan brothers also lah because it's a very well-known uh surprisingly ah uh I think


we we had two experiences with them the first one was pretty okay just say pretty okay, but the second experience that we had I think it's a trip to, to Hong-Kong if I'm not mistaken yes we bought it bought the package uh it's a, I think it's a four days three nights uh


free and easy package for Hong-Kong uh I think it was our first time there uh I think we just got married, uh and then uh we wanted to to go for a very short holiday uh I think uh we paid for a four days three-night


uh package we pay almost around five hundred plus for two person I mean for uh per person it's pretty cheap but I think the service that they have provided I think uh we have already got some uh negative experience that we have, then so the first thing is on


the upon arrival uh, uh the the driver or or or the, the the, the airport uh the driver picked uh us up a little late so I think we got caught in the airport for almost an hour waiting for the driver to come


because coming from a uh a very renowned uh, travel agent uh some uh it it got us uh took took a shock lah so because I think, uh I'm I'm pretty sure that they have done this uh for many many years I think maybe a complacency has caught uh caught up on them so I think uh this is one of the bad experience that we had uh because uh as as a traveller the first thing we do


we want is to you know go to the hotel room on time uh so that we can start our travel itinerary holiday itinerary at on on on a good note lah so I think that is one, uh but one example of negative experience because I think for me I'm quite a patient guy but waiting for an hour plus on the foreign land uh I don't think it's uh an anybody would also not take this experience uh positively lah so I would say that is one


uh negative experience that I had with them so maybe I'll move on to the area of uh, uh another experience that I had with a computer company uh maybe if I would say the name it's a uh Lenovo uh computer, so I think


uh I I first experience of uh having my computer uh uh I think in couple of years ago when my computer suddenly broke down and stop functioning lah so basically the first thing we do is to call the hotline centre


uh I think for me I'm a, uh in in terms of waiting to uh you you can't make me personally uh I think it's my trait so uh I don't like to be hold on for too long so the first uh negative experience that I had with them I think that I uh along the way there's many other experience that I uh I I had so the first thing is uh make me wait for too long on the on on


when it comes to tele-communicating so when I was on the phone calling them about the problems that I have so I think uh one of the customer service uh put me hold on for I think for at least half an hour uh just to to, get the the just to refer this uh technical problems that I had to the engineer or to the tech computer technician uh so I have to wait on the phone for very long time so something that uh I I'm really not comfortable


with because uh at that period of time when you know when something that uh as important as a computer to break down and you need uh things to get, uh done fast to to send it for repair even if I have to come down to the service centre I will do that lah so basically the first thing is uh they left me waiting for quite a a a a a long time so something that I have


uh experienced it so uh so the next step uh after that half an hour then they have advised me to, come down to the service centre so which I need the things the next next day, uh I think there was some type of communication problem that I had with the customer service also when I was physically with them there so basically the they they have found out that uh uh there there was some uh that the my hard disk was not working so that uh


creates uh that uh that creates the problem of my uh computer to my laptop to have shutdown uh and and uh so what they did what I requested was uh to to hold on to my uh hard disk drive uh because all the informations inside so but then


uh to my horror the next day when I came back they told me that oh we cannot fix your hard disk it has to be sent for uh it has to be disposed so and I they will replace it with a new hard disk drive so I I think for me


I I'm not really a fussy consumer by I think uh things like this I should be they should have been uh given me a call first because it's something has to do with hard disk where all my, documents my work uh all the important stuff are inside so I think uh I I make a big fuss of it and uh I'll I'll manage to talk to the manager


but however I think this negative experience they try to calm things down a bit so when they offered uh but they did something which is good to really come down personally to my my my home my house and deliver the, the hard disk that that was that that has been a spoilt lah basically so uh however uh


in my experience with this company I think it's unpleasant so I think starting from that day onwards also because this has really impacted the way you, think of that company and whether in the future you would want to uh purchase uh products from them again so I think ever since on that day uh I have stopped purchasing Lenovo uh uh products


so I'll move on to another company which offer better provide me with a better uh customer service uh, uh in terms of the uh maybe the uh, the experience that I have with Lenovo compared to the other service provider or computer companies which was so much better experience that I had lah ya


maybe Wan anything else to say, uh


uh I think these are the extreme experiences that we have lah but I think in general that uh a lot of positive so I think uh maybe at let me just speaking in general like uh although there are a lot of


especially for telcos lah like Singtel Starhub because because I'm myself is a uh used to be a customer from Singtel, so I think uh if I mean if you have read a recent articles that you know that uh uh I think not surprisingly that uh our singapore telcos top the list of for poor customer service lah because they have done quite a number of survey and


uh, uh people are quite dissatisfied with and services that they provide uh I think number one because of , , uh I'm not too sure about uh it's how I think for me as a customer I will look at about how readily uh feedback


uh the channel of feedback that the these telcos can provide us because right now I think in terms of the technology that we have uh I think I'm pretty amazed by the banks at how they work because I think uh they have made the good effort of not wait making the customer wait for a long time so I think uh recently I have a good experience whereby they have


uh they use this bot system whereby I can key in all the problems complaints or feedback through a bot system and then within minutes they will come back to me and give me a call and settle the problem for me so I think for this uh telcos, uh that is something that they can really look into


like uh instead of doing tele-communicating uh feedback uh form of uh uh a feedback that they they they have for the consumers I think something that they can look into because uh for myself like uh what I


I said previously is that uh I don't like to be wait waited lah so uh I think this is something that is the tele communicating companies can come up with, uh to be to give us this uh access to readily uh available feedback channel lah so there are something that


uh I would look forward to this but however like like what Wan have mentioned that I think uh, based on the negative experiences we had I think it's always constantly in our mind whether we want to change our handphone uh companies to another company because I think


for in terms of value for money there are other companies that uh is they growing so the the number of telco if you notice that there's circle life uh grid and all that which is which are uh which can offer us a better value for money it's a cheaper uh maybe


uh some have even come up with don't know forty gig for only twenty dollars thirty dollars which I think uh in time to come they will certainly catch up with the more renowned uh companies like Singtel and Mone Starhub and all this ya


I think uh generally the restaurants in singapore are quite okay I I mean there are like minor experiences that negative experience that we had, uh maybe in terms maybe I just share with you one incident of uh, uh I can't remember the the that couple of years ago uh one of the restaurants selling steaks so basically the steak is uncooked when I I I I asked to the uh waiter to to get it heated up or to


to really cook it again uh it second time it comes around to still be uncooked so I can't remember the name I think the company has closed down now even if I say out the company doesn't really matter cause it's, no more in service okay so I think that is uh one of the experience that I had with a particular company lah ya so uh I I think it's just a small matter but I think something that I cannot remember also


I I I can remember of until now lah so I think in terms of the F and B I I think we shared and a lot on the positive experience that we had with them uh in items of negative not so much ya the overall I think uh I think as a nation of singapore we have really improved in term of service that we have provided


(uh) consumers so I I think generally we're happy with (uh) even if there is complaint they will follow up (uh) very instantaneously so on overall good experience [ah] ya


okay uh so just now Wan have mention okay uh about the positive experience that she had uh based on her conversation you will notice that, uh she talked a little bit about the the the premium part of the food uh it I I think I agree with her in it should come with a value for money so I think for restaurants nowadays uh it it it's it's especially in singapore


uh I think for myself so I'm experienced , very positive experience are overseas uh especially in the america and the europe so the way uh I think singapore is slowly becoming a little bit better in terms of uh the service and the product and the service that they have rendered to the consumers lah


so uh I think as for me myself I'm not a really a fussy eater uh so whatever comes to my table I will readily accept it, uh but I and a a a again it has to meet that certain uh expectation that I have lah so basically as long as it can be eaten it's good for me uh I think uh uh I'm unhappy enough uh to give a positive and good reviews for the particular restaurant or f f and b uh outlet and


I I I I I have set, so I uh but for me I think uh the most important part is on the human interaction that that that particular f and b have with the consumer with the customer because I think uh


uh nowadays uh people are with technology now uh I I know that when you come to a restaurant there's a latest trend of uh the the restaurant giving you an Ipad and you, uh because they have moved on to to their restaurant to be more digitalised


so they offer you an Ipad and you choose the menu that they have I think it's a good way, that uh you are able to make things more effective more uh, uh in terms of the way ordering is done it's it's it's better now but I really also feel that human interaction is also important so I like to also touch a bit on uh fast-food restaurants because uh during this busy times uh to get a quick fix of dinner lunch


uh whatever meal uh for myself I will hop on or or go to at at any fast food uh outlets because I think for my kids also they love fast food uh of course we don't uh really eat it in a very frequent manner so maybe once a week


uh but it's good to see that uh you know for especially for I give you example for McDonald's uh Burger King the uh latest experience that I have with them, uh the there is a little I think effort that they have in terms of uh human interaction that they they have with the consumers so let me give you example


so maybe when I was uh ordering in the uh on the counter uh I you notice that especially for McDonald's and Burger King's like these two are my favourite ones and I also have good uh experience with them uh they tend to, to to have that physical presence uh talking to you uh saying how are you so


uh recommending different sets uh items uh uh value for money items that they can even go the extra mile of uh recommending you that oh uh instead of you buying these you should buy this set, add on uh uh add add adding up uh another uh maybe a ala carte set so that uh you you save a little bit more of money so I think


uh fast food restaurants uh have really come a long way because now uh they have start to have this uh uh they they they I think uh I'm not too sure if they're trained to do that or is it the the the, uh it's a nature of uh the uh workers that are on the front counter uh how they deal with customers I think uh


uh going a long run I think uh this is something that I really look forward you know to talking to uh these old aunties and even uncles ah so uh it's it's very good experience that I have uh and some more I think for a fast food restaurant you notice that the waiting times is


uh getting shorter so I think uh in terms of providing this type of service where everything needs to be fast uh, this fast food restaurants have really uh uh uh uh I mean uh I've seen them really grow in terms of uh cutting the waiting time so err I can order uh a simple meal uh for myself and it can uh come up to me in less than maybe three to four minutes


so I think it's something that uh something that if uh in terms of services that they provide is also improving lah I think for in terms of singapore because I do this in comparison with other countries which is miles away from us but I think we are really catching up in terms of the services that they provide so if you at as I'm talking sure you notice that


uh I really don't really look into the the the type of food or how delicious the food is yes it's important but I also look at, uh the way that they they provide this type of uh extra services I should call ya so anything to add Wan


okay maybe in uh relation to travelling uh maybe I just cover a little on a hotel experiences in singapore so I think uh as a avid traveller we have been travelling to many countries uh but just let me just go through the local context about our local hotels


uh I think uh, okay uh maybe you I share with her with one of the experience that we had I think the best hotel that we've been to uh there's a couple of uh hotels but I think the one of the most prominent one that we cannot forget most memorable one is a trip to Ritz Carlton


so I think of course if you know the Ritz Carlton is a five star hotel uh maybe for even a staycation you pay up to before hundred five hundred on a, period to just to have a one night stay because, uh I think I think for singaporeans for myself uh yes five hundred is a big amount of money but uh if that five hundred


you can really transform it into a a good service that you can provide for the customers a good experience then I would say that five hundred is a relatively uh fair amount that I would spend for a simple one night's staycation in the hotel, so uh maybe I just go through a little a bit of experience of uh what we have been through with Ritz Carlton so I think for Ritz Ritz Carlton that they have really uh uh use their


uh services in a a a a very good manner so for me I will when I stepped into a restaurant I will really look into the first thing that you do to the with customer so I think the first thing that we had is that to to have someone to to greet us to welcome us to welcome with a welcome dream


and smiling these are example of you know body language that you have to really uh get to at that personal level with the customer so for ourselves I think we had this, four of four of us uh uh I think couple of years ago I think uh they really go beyond the effort of you know


uh providing my kids with you know uh special goodies to welcome packs for kids to make us a little bit welcomed even even though they know that it's only for one night stay so I think as a guest something that really I for myself like this I really look forward to


so it's uh uh different types of uh I think one of the things that uh we look out for uh in terms of that level of interaction with the customer ya, but o o and of course uh the in terms of the cleanliness that they have uh for their hotel uh of their rooms uh the very nice view and then uh you know that


uh I the the hotel has been around for many many years but I think uh in terms of how they maintain the the aesthetic looks on the hotel also plays a very important part so although is a very old hotel but uh I will also look at how they uh


do their maintenance work uh at at something that uh uh aesthetically it looks nice to you uh although it's a very good hotel so something that uh I will touch a bit of for this hotel experience that I have with Ritz Carlton


uh I think, okay I think generally in terms of education services uh mostly at uh good experience for me so I think like what Wan have mentioned is that, uh I I I, I think I don't have any negative uh uh reviews that I can give for education services I think they have really done a a good job


uh in in in providing that services that we the customers have expected uh of of the services that they rendered lah ya so I think that's about the education services uh maybe I just don't think have enough time okay maybe just


cover a little bit of the uh the clothes shoes and accessories uh a segment of this so uh I think uh positive reviews if I I can give is only one because myself I'm a uh online shopper so I don't really go physically to the shop and


uh do online I I at at do physical shopping but I really look into really uh accessibility and and and simplicity of buying purchasing of products, so for myself for uh clothes shoes and accessories I think there's one uh Lazada so this is uh one uh e Ecommerce uh company that I have uh I've been purchasing quite often a bit from them so I think for them so


far uh everything uh things that uh I have purchased from them are uh at are really up to the standard that I I wanted lah so I think uh some of it, because of the value for money uh things that I can buy the cheaper of course uh most of the cheaper items come from china but I think uh currently I have a very good experience in products coming from china through this Ecommerce uh platform that I have purchased from so I think uh I I would pay a very less amount compared to uh other well known


uh products or brands but I think based on the cheap amount of uh uh I mean the the amount of money that I spend uh, quite a little I spend on these products I think I have uh they have given uh me good, uh the the the the uh


(ppo) (uh) (uh) I I manage to use this product effectively and (uh) for for that and value for money [lah] ya, thank you


it it is ya I'm good, so this is on insurance


I do I do I have a couple of insurance, okay


ya I do I I mean err because my parents err have already bought a insurance since I was young so err some of the insurance policy they actually bought it when I was young so I took over some of the policy but if you ask me what is it for I don't know I'm just paying


ya so but I myself over the years when I was I mean I'm working I did buy a couple more on like for like personal accident then on life as well


uh I have no idea actually because for what I know the one that I'm paying err which I took over from my mom, err it's like a annually I need to pay about , thousand four


ya I think it's annually thousand four or maybe seven hundred I can't really remember because it's always GIRO so you know like the money just come in and then the money goes out so I cannot really remember , but I remembered that uh she mention that


there is err I mean I, she could actually stop paying it because like this policy already has matured and you know err whatever that I'm paying actually she's actually getting money into her bank account, so in a way it's like I pay the seven hundred okay for example and then seven hundred dollar is actually going into her bank account already so the policy is actually sort of like auto renewing itself in that sense


ya but if you ask me like the actuality of like what this policy is for and all that I'm not actually very sure but all I know from my mom is that last time err this kind of policy err is not available now because it's like


err especially on our job so I feel like you know err personal accident is very important and it doesn't cost a lot err ya is like I think mine is like two hundred plus annually, so I bought it from Prudential ya and err


I also have a life plan that life plan err I remembered, that you can actually pay in different years so like you can you can do it at the shortest time like ten years fifteen years twenty twenty five depending on like how err you know how comfortable you are to actually you know pay the premium


so of course the lesser time frame that you pay err the lesser that you need to pay, that's what she said lah that's what I remember yeah and err so this that's why I decided that instead of doing a twenty five years plan I decided to shorten it to fifteen years


so err so the premium is slightly lesser and but the coverage is still up to seventy years old that's what I remember, yeah because uh I bought these uh Prudential multiplier err plan like a life multiplier plan where err they pay you three or four times of the sum assured


ya so basically , it covers like err critical early stage illness and also, , like if let's for example like you has a total disability or of course death and all that you know they will just pay you err straight upfront


so err I remember the insurance agent told me that, if you were to buy life insurance you must always err make sure that there is, this component where they actually cover err early critical illness because err some


insurance they don't mention they just say ya you know err when you when you get sick when you get hospitalised you know you just err sign this life plan but they didn't tell you that oh early stage is not covered only when it's critical like the the last stage then is covered, so and based on like I guess err over the years they realised that with the medical advancement and all people actually do


get checked out that often and they actually do find themselves maybe getting for example stage one cancer or stage two which is considered early stages, and then they realised that err their insurance don't cover those err I mean that that stage


so ya, that's what err I remember from my err insurance agent ah, then how about yourself alan


ya that's true


, I totally agree


, I agree so you know like err even when I bought the life policy in my thirties right err early thirties err it's already like a month I'm paying like four hundred you know err ya


because I also shortened the years of err the the premium right so I have to pay extra and you know err my insurance agent did say oh you know if you have bought these in your twenties you know you could have err, you know uh pay at a lesser premium also


I do have friends who doesn't believe in insurance because they say oh anyway you know in CPF they already have the MediShield they already have you know uh I don't know now recently there's a a new, err, err I don't know I think it's something like what care or something from the government like


, ya so like err they feel that is already enough or adequate enough and they they don't want to buy anymore insurance but I guess maybe when I'm young you know my mum always err , focused and you know stressed the importance of insurance you know


so therefore I I I think that it is important for me to buy and I guess maybe I'm very lucky as well like my insurance agent is also my friend and she always have the welfare for me and she knows like, err she rather


me buy plans that I can afford rather than plans where you know it's way too expensive and is not necessary for me or it's difficult to claim ya like you like you say you when you get into a accident for example you want things to, like for example you want to get it claimed you want the claiming to be done efficiently and also fast and you know not too many steps and all that and I think that with


I mean technology and all you know I think it's a lot easier compare to before when you when you can just submit online and you know within one or two weeks you know they were would have already process the money in the bank, ya because recently


ya every time I travel I would especially on my own holiday I do buy travel insurance especially, err the last time round I remember I went to Dubai and I did skydiving I actually bought a travel insurance that you know uh covers err even extreme sports like


skydiving so just in case anything happen you know I'm covered because most of the time they ask you to sign an indemnity form whereby you know okay this this this might happen even though you know ya so ya just worried lah and and I think somehow or rather it gives you that kind of a sense of


like protection like if anything happen you know there is still err you know it's still taken care of like you know at the back ya so


I think I usually buy as a family package like you know yeah is a lot cheaper err sometimes I did ask like my friend whether is it err necessary to buy a one whole year travel plan you know they always have either you buy individual like okay I go to this country I buy at this time or should I buy an entire year since I travel so frequently


she said I mean it's it's really up to individual some people they they liked the fact that they have the flexibility sometimes they also get discount when you buy individually you know ya so it really depends on yourself, have but have you ever try claiming on the travel insurance before because I did


okay so for that for that policy that you bought how much was that maybe twenty thirty dollars, okay so how much did you claim back


no not bad, , ya of course of course I mean who wants to you know ya


of course, ya there goes your OOTD ya , ya you should had added into your into your insurance claim shopping


, oh okay okay that's not too bad that's not too bad


, oh so you claimed the expenditure of the shopping itself ah okay okay no wonder okay okay cool, cool but nobody wish that lah for for example for myself I don't think I will ever want that I mean the the most I claimed for insurance was err


being sick oversea, that's one and the other time I claim was the luggage err being err I think , was a damaged luggage so like you know the luggage I think the wheel and the lock, somehow or rather was destroyed during the transit so in the end like you know err I claimed for the luggage which is about three hundred dollars


ya and err when I was sick I just use the whatever that you know the hospital gave me the receipt and just claim as per normal so ya, I think ya so I I think travel insurance is important even though you know it may not cost you a lot but I think that it's just like a protection


ya , uh okay so my girlfriend did actually err suggest to me to buy investment plan


but I told her that currently I feel that I am not ready because err I am still under err I mean I'm still I still had a home err mortgage to pay so I find that I am a little bit tight, I always feel that you know , err if you are able to save


okay err then maybe or maybe you have extra allowances then maybe is good to have investment plan but if not I don't think that err it is wise to make an investment plan when you are feeling a bit tight on your expenses, ya so personally I feel that uh right now I don't think I will err until maybe I don't know maybe in the near future how about yourself


ya I I know what you mean but do you do you sign in only like a endowment plan or fixed deposit plan where you know you do do it for like a saving


but you do know like you know some of the banks they offer they do offer like for example like the UOB one account where ya they are you are you on it as well


oh oh okay no because, the the one account in UOB for what I know is that they actually gave you interest as well as , uh uh rebates and I think that it is really good because like err if you use like your credit card up to five hundred dollars plus also if you actually GIRO your pay


uh into the account uh they actually reward you and the interest is actually quite high like you know err up to seventy five thousand so I think is actually quite a a good err , compare to say for example the DBS err multiplier account because I've both and I personally feel that the UOB one account is a lot better


and err because you know over the years they did change the interest rate recently they both of the the company actually changed the interest rate and UOB still err have very good interest, err with the saving and you know using the account and GIROing the pay things like that I think that was quite good maybe you want to check it out


ya, ya I think there's another one which is the OCBC three six five if I'm not wrong something similar err yeah but I mean I am so used to UOB so you know I just chose UOB and


I mean I I every month I see interest coming in you know err like at least every month I I have at least like sixty, err or eighty dollars back into the bank account you know interest, so, so I think is actually really good ya especially if you just you know GIRO in your pay and just and and and we still need to spend money on the credit card and I'm sure five hundred is easily achievable you know so ya


so it's something that I I I actually this is something that my batch boy I mean err who was in UOB told me and now he's already he left but you know we we all sign up UOB because of him, ya if not all of us will be have been you know using the stupid POSB account


, I know what you mean ya okay


(mm) ya I agree, (ppl)


negative product review


I know,


you have to press a lot of button first


you keep repeating yourself


did they did they give you like like a discount eventually, ah typical , ah okay ah


really, rebate you


then they should just do it massively lah you know like ya, they just they just hope that you all keep quiet


I agree I agree ya, true


, ya I gave up I gave up on Singtel long


ya because I find that their subscriptions are way too expensive even on the corporate line to be honest ya with our corporate err account I still feel that they are very expensive and I I mean after Singtel I went to M one so


for M one case err err I'm using like their enterprise err err err this this plan lah because I like the fact that you get that flexibility of using, your data overseas and err in in yeah in local but eventually I also gave up on M one because right now we don't travel right so what's the point so the only good thing is err because it is a you know subscription plans it's a SIM only plan so I could just cancel immediately and went on to something else


ya so okay err for myself I think err the negative experience that I have err will be towards like F and B because I think we eat out quite I mean often and, I have a couple of incident just recently and err


like for example err, just the other day I went over to this hawker centre I think maybe because it's hawker centre we kind of like didn't have much I mean expectations lah you know in terms of like err good customer service because we kind of like pay for what it is right


but the thing is right the the auntie right on the stall I know it's a long queue they are very popular it's been like since I was young I went there to eat you know I I literally see her grow old so , ya and but and and it is still very good I mean to be honest the food is still very good and it's still very cheap like err the cheapest of the #chai tow kueh# that you can get right is two fifty where to get two fifty nowadays right okay


but the thing is right like the way I see she handle the customers right I feel like !wah! you know so very #chi kek# you know like you know I I told like, for example I went to her I said oh I want a a I want the black #chai tow kueh# ah then after that she said okay then she she just say ah <mandarin>吃饱:chi bao</mandarin> you know that kind of thing like you know like whether eat or packet then I say err okay err <mandarin>吃:chi</mandarin> uh eat ah then after that


she said err then she never say anything you know she just like that, like that so I was like what the hell that was that you know she just signal to me to pay so I thought like okay but you didn't tell me how much is it so so, I asked her I say like oh err like what's the cheapest like <mandarin>最便宜是多少:zui pian yi shi duo shao</mandarin> that kind of thing then


she's like <mandarin>两块半:liang kuai ban</mandarin> then I like !wah! okay like okay lah I pay you two fifty ah you know like I I pay her the two fifty then after that she she just uh she just ask me to like move aside like she didn't talk her all all she did was just a lot of action, ya gesture she's just like doing this and that to everyone and you know there was a another lady who came in and ask like because she saw that there was a queue so she just ask like oh how long do I have to wait like nicely ah she just said oh <mandarin>我要等多久:wo yao deng duo jiu</mandarin> so the auntie just say


I don't know I have no idea like you know it's been a while since I last go to err alexandra village market to eat


ya so I thought to go back there to you know just kind of like you know enjoy the local food and hawker food you know and it's very cheap over there so so I I I didn't expect to see this auntie being so rude and yet everybody just kind of like


Tahan like you know they just kind of like you know what I just wanna eat this #chai tow kueh# so you know what I will just had to wait ya suck it up you know because she's she she just, her her words are just very limited and she just a lot of actions and and to be honest if you actually pay for the #chai tow kueh# for example maybe a five dollar #chai tow kueh# in uh maybe a food court right I don't think you will actually accept this kind of err rudeness in a way ya because she just like like that err means you have to pay for money already


ya so I was quite I was quite disturbed at at the beginning but I realised it's just maybe her style or maybe the whole day she's been selling #chai tow kuay# from like maybe morning till night so she has, know her words are already limited like maybe she doesn't want to talk anymore, you know so she just everything is just gesture


ya and err also another err incident is like , I went to aston you know aston is actually quite a established aston okay I always like to say aston but I don't know why but it's aston right okay so aston ya aston, err I would say it's like affordable err western food right and whereby you know they they serve quite quality food in that sense so I like to go there to eat


so I like to eat the steak there because it's considered very err value for money right so and they don't actually have err GST if I'm not wrong I'm not sure or service charge or something like that ya so whatever you see err is whatever you pay err so what so so there was one time I went down to aston and


ordered steak which err is usually my my go-to dish so err they usually don't provide sauce, you know like err as in like you know you have to ask for the sauce right you have to ask for like the chilli sauce or whatever so, err so usually when when the food comes you will always ask the server like oh err can I have this sauce right you will be nice you because you are asking a a favour from someone so like I I ask the the I think it was a girl so like I just say lah err can I have so before even I say the word right the person just


stopped me like literally like err very abruptly you know she just say, it's there like you know just it's there I haven't even say what sauce you know like she just say it's there then I say, excuse me like I haven't finish then she just it's there then I like !wah! I got so pissed off so I told her excuse me


I want mustard it's not there then she's like oh oh okay okay you know like I mean some, sometimes like I understand like servers are very busy they are very task oriented but you know you should like at at least wait for it I understand maybe out of hundred maybe ninety nine wanted chilli sauce I don't know okay but you cannot just assuming think that I just want chilli sauce right so I I was a little bit pissed off you know


like at least let me talk you know like at least finish my sentence two times she actually just abruptly stopped me and you know like don't let me finish my words and and my sentence so I was actually quite angry you know like just let me finish you know like, unless you are like you know proactive you know like you before err me asking you I want chilli sauce you come to me and say would you like chili or mustard because since I'm having steak you know there's always this two options right you can either have chilli sauce or mustard sauce


if you are that proactive then you know I would be very impressed instead you know rather than you stopping me and say it's there then I was like what is there you know so that was that was quite , you know quite quite err err bad experience for me I I mean maybe because


uh, ah threatened right ya maybe she feel threatened ya but you know it's just very irritating when people you know talk halfway and then you know they they don't get to you know do the full sentence I don't know maybe because they are part-timers there so maybe the the the attitude's different I don't know ya or


or maybe everyday they just hear the same thing and they just kind of like you know what I I kind of assume that they they just want this rather than something else, ya so the assumptions actually make the service bad I feel, ya ya


what else well that another time that my girlfriend was sharing with me was err she her own experience was in this place in Arteastiq you know there's this like a cafe restaurant ya, yes correct they have a few branch so she said like you know she actually went down to Arteastiq okay together with the Arteastiq boss okay so basically the one who own Arteastiq right so they went together to go to the


the to the shop you know to so called have a err meeting over lunch or something like that so, err so they went down and uh so I mean to be honest right if you're a staff, right you would have been very I mean you will be observing that oh this is my boss eh my big boss coming to eat right so you would have been more I guess on your toes and maybe you will you want to provide better service but instead right the boss


or even my friend said that the service was shitty like really bad, ya so, so what they did was you know like when the boss came in they did not even like, come to the boss and offer a menu or like ask eh you know uh can I offer you a drink I mean you already know that's the boss right wouldn't you want to like step up a bit and and offer something instead of like waiting for the boss for you for the menu it's just very ridiculous in that sense


and then you know okay after that right when the food comes right because they were sharing something so you know it is, it is more err obvious for you to even offer a sharing plate or maybe a additional fork and spoon or something like that but there wasn't any so basically the food came they just serve and there was only one utensil


like one ya so it's like hello like there's two person right I mean it's, it's more of like more being, aware like situation aware that there's two person there's only one dish shouldn't you bring a sharing plate with additional fork and spoon, ya so like my girlfriend was telling me it was a little bit


err disappointing especially you know this is the boss eh you know like the boss is here and then yet you all don't know what to do so, ya so in the end you know she was telling me that err the boss was furious like you know very angry about the whole situation and say like you know what I really need to like hire someone to train my staff in terms of the F&B service standards


like because he feels that the service standard is really lousy like you say can you imagine like this is a service standard I have in my, my cafe and I also feel angry about it cannot I cannot imagine if other people were to come to my cafe and and get this type of service, so ya so I think you know I don't know is it because like you know err it's very hard hard to hire service staff or service staff that really bothers to put in heart and soul to want to give the experience to the client


or maybe the mindset is just very different like you know they think that oh this is just a part-time job you know I just do what I need to do I need to serve I just serve I don't need to care about whether or not this person need extra sharing plate or extra sauce or whatsoever , like that few seconds really matters a lot I feel err to the consumer you know to to it's just on a like a like a thin line you know like whether or not this service is good or excellent that's how I feel


yeah and , , ya exactly if it's like you know if it's cheap right I mean we will just ah forget it lah you know because cheap it's just like how we always you know compare budget airlines and premium airlines like I okay lah they they they don't give me this okay never mind lah you know oh eh I cause it's budget


that's how our mindset is as well I think most consumers are like that like you know if you pay for a certain amount or or or I mean I mean if you pay for things that are of a certain amount like expensive you feel in your own err ability then you will feel that eh I need better service


ya or better food quality for that matter if you if you pay let's say err twenty dollar chicken rice compare to a three dollar chicken rice you will definitely want the twenty dollars chicken rice to taste better than the three dollar chicken rice like it should, yeah exactly exactly


that's why that's why ya ya so I think importantly right if let's say the twenty dollar chicken rice right give you the value in terms of the service you know, then you will feel that eh you know what okay this is worth it the twenty dollar is worth it because !wah! the girl is so impressive or maybe the girl Chio lah you know the girl Chio you also feel happy ah you know or the guy very handsome and like eye candy


ya ya ya correct and like you know like like you have eye candy looking at the !wah! good looking girl or guy , ya then maybe you feel like here not so bad lah you know ya the experience the ambiance quite nice I don't mind ya if not to be honest I sometimes like I feel


that you know err the service quality can can it really depends like it it really will help in terms of like you know that experience, ya in the product ya !haiya! I don't know


ya ya ya ya ya ya chatter box ya ya ya chatter box, do you like it, is it, yes exactly ,


(mm) I agree I agree ya, !yay!


positive product review, alright, I start first okay err okay so what happened was recently right I went to the doctor I told you yesterday right I went to the doctor ya so so what happened was


err I actually err have an infection err fungal infection so ya so what happened is uh I went down to the doctor err and err okay so you know now because of the COVID situation so they are very strict on in terms of like the health declaration and stuff so err I find that


the staff is really good because like, err outside you know they already you know they screened you they ask questions and all and after which you know err it was very seamless you know sometimes like if if they are not good at it you know they they can be a little bit err disruptive and you know there will be a long queue waiting outside you know and and because it's a weekend right so it could be


really err a long queue so but it wasn't err so I was quite impressed like you know they they after they screen, they said okay now you sit at this area because I did travel recently so they actually put me at one corner where they actually segregate so called like okay these people actually travel so these are the ones that you know err are supposed to be like err segregated from the rest


then after which err I went to the doctor so the doctor saw me and then I told him why is it that I got err the fungal infection like I said that oh err I was recently err put on antibiotic by my skin doctor and what happened was err the skin doctor actually


err I I actually texted my skin doctor and say you know what I'm actually having yeast and err I I believe that it was the the antibiotic that is causing it because I did have similar symptoms of err having antibiotic that causes me yeast, so err her her


I mean she told me that err I should, err stop the antibiotic and see a doctor so that's the reason why I went to see this family doctor, so I mean not family but company doctor so I went to him and he told me that okay err why are you taking antibiotic so I told him oh because you know err I I'm having this err you know mask acne thing going on on my chin and is disturbing me and you know it's


causing me a lot of you know self esteem issue and you know I say I I needed a a solution for it so therefore the the skin doctor told me to go on the antibiotic, told then he told me that you know err, do you know that actually err antibiotics err will not actually cure it but it just kind of control it so a lot of times people who are on on antibiotic they continually err after the treatment they will continue to have


err you know this acne err growing and or pimples growing again and then you will be on another course antibiotic again and again so I find that this doctor he is very , detailed you know he's very detailed and he actually explained to me err on on in the terms like you know why I should not continue on antibiotic err treatment


so he told me like oh err you should go on this product called accutane which is actually a a management of acne err this this medicine so he asked me whether I've on I have been on these before and then I said yes I have been on this before but that was like maybe a decade ago and I have not err


took that medicine anymore because I know the so called harmful or, err side effects of the medication and I say I didn't really want to go on it err any more because , I mean I was on it but you know it didn't cure me I still have this acne thing coming on you know here and there


then he told me that a lot of people they went on the course but, they complete it so called complete it but they didn't get cured, so that then I got I got err you know I was like !wow! you know how I mean what what do you mean by err I'm not cured because like you know after the six month course right my face was flawless you know I was like so happy with the the the result and all then he say oh no because like you know


a lot of these doctors they actually you know err they just think that okay like after the six month course that's enough but for your but this for this medicine is actually based on weight, so let's say for example you are fifty KG you're supposed to eat , a a a certain amount of like err grams and all that so he said like a lot of times right err the doctors didn't actually hit the amount


so it doesn't give you the cure that you want you only see like okay maybe a partial, so so now err after that right he he told me about the the whole treatment already he also of course scare me with the side effects like okay you might have this and that dry lips blah blah blah


liver issues you know blah blah blah blah blah so he was very very detailed so I find that you know he was very he makes me very convince even though you know I was very apprehensive at first to want to try again because I know the product is expensive also but he, he she he reassure me that you know if I were to finish the course


right I would get a eighty percent cure rate !wah! that that really you know like give me the !wah! you sure or not like you know then he say, I'm pretty sure because a lot of err crew actually went to him for the acne treatment, and he said err because because of this you know mask acne thingy so he said err because and also because like all of us are grounded right now right so he say you all are so your skin is so used to the dryness and you know the humidity overseas so therefore like when you when you come to you know staying in singapore


eighty five like ninety five percent of the time your face is just not getting used to the humidity level so you know he ya so that's why he said like you know err so that that's that really make me think about you know maybe I should really try the treatment and plus after all, is not is covered lah


so I I decided okay lah might as well right since I don't need to pay I only need to co-pay then might as well just, go for it oh so but the thing is he did say like I must be you know like, err be very conscientious about you know err my water intake you know err I must be taking the medicine err all the time you know I shouldn't miss the dose and it's gonna be a long process it's going to be like a year


ya but he said that it will it will definitely cure so I really hope that one year later right I will come to you and say you know alan you know look at my face now you know don't need like you know it's finally, pimple free you know ya so I'm I'm just looking forward to it lah so


I mean to be honest I feel that like , sometimes a lot of time doctor just wanna earn your money you know like I I went to so many so many dermatologists and you know I I I I truly feel that you know I err feel that this doctor has the time and patience to


to actually explain to you even though you know I I can ask a lot of questions as well I always ask him this and that this and that but he's very , err nice you know he take his time to explain to me to tell to reassure me that this whole process it is actually going to err help me eventually you know err I think that really helps when it when it comes to consumers you know like we want to be convinced you know that the product really work


and you know err of course with the doctors err you know err expertise and all that it makes you feel that okay you know what I'm I'm going to try this again even though I had err this done before but I don't mind doing it again because he was so convincing and he was so reassuring, so that was a really good err experience for me err just recently only just yesterday and ya I I started it like yesterday immediately


ya he didn't ask me whether you don't think about it but I say no you know what just just just do it you know so, ya cause you know I have, exactly exactly and you know you know that you know have been having all these break out all this while you know and it and it disturbs me ya so


so ya, so that's my own experience how about yourself


taiwan why taiwan


I love all the night markets ya, (mmhmm), I agree


where is it located


so they have like a unique scent in the hotel scent, oh okay


oh okay cool, usually they only do it at the lobby mah


oh that's very cheap


so local delicacy lah those those basically we eat in the morning there's local breakfast, ah, ah okay so basically they have like a a a variety of things that cater for everyone for all ages okay that's good


correct


ya like me, ya, ya ya correct correct especially if you have no agenda you just you want to just you know sleep in ya


, ya that's nice that's nice okay


yes I agree I agree yeah because like you know travelling is I, I guess maybe because singaporeans right we we love to travel because we have nothing else in singapore it's so boring you know we don't have we don't have like uh nature, ya we don't we we cannot fly to like small like oh I'm flying to I don't know saint john island you only can like I think you can take a ferry there but you know ya


, ya exactly and there's nothing there I mean how many islands can you go to right ya, correct correct, I think if you talk about like good experiences for customer service


I think like err even for myself right when I travel I like you you I I do like to go to like different hotels I think hotels really make a lot of difference I don't know maybe for some people they really spend a lot on hotels, like they rather spend like oh I must have a brand like a branding is very important I must buy I must go to a Marriott for example Hilton but for me it's not really err I don't need to be in big brands like you said this veil hotel right yeah boutique hotel could be just as good you know


so I think it's all boils down to maybe the training of the staff, ya and even so err I feel like sometimes like I I did I like to go to bangkok a lot so in bangkok I I did try a couple of boutique hotels like you mentioned so err


well the boutique hotels I booked was actually under airbnb so in airbnb right they have this err option where you know you can choose uh like like a hotel or even like so called person person home right where they actually convert it into like a hotel stay or not say hotel stay but basically for you to rent right


so err there was this particular, hotel group or I won't say hotel group but it's like a airbnb err err, ya like residence or something so, so I actually went to this particular err site where they gave


so what they do is every room, uh it's actually different err themes, concept ya exactly so I was very impressed with like all the different rooms and so what I did was I actually booked every single room on every single day so I actually went and like pack and unpack pack and unpack


on the same hotel just to try the room it's crazy I know it's crazy but that was how impressed I was like I was so like you know intrigued by all the different rooms that I wanted to do that yeah and my partner was was was quite keen lah you know he said like okay you know what since you like it let's do it


so that's what we did so we packed and unpacked every single day just to try all the different rooms, yeah yeah it was crazy but of course you know it was it was it was fun because you know like err we get to experience the the different rooms and err the breakfast which was err


they will usually prepare it like every single day it was different as well they'll they they it's not a it's not like a buffet style is like okay they will customise every single day like okay today they will do eggs tomorrow they will do something else so you know you you do not know and it's unexpected like everyday it's something new


you know so it gives it give us like a surprise element every single day and I like the fact that the, the uh the owner okay of this place actually put a lot of heart and soul into the decor of the hotel or whatever that is ah ya I don't know whether is it considered a hotel or whatever but yeah so they have a lot of very interesting like err animals err like err like fake


plants and like insects and whatsoever so you are like living in a jungle like like every time you come down for breakfast it's like you are in a jungle, so it's very very interesting ya and of course you know if you really feel adventurous you could actually buy one of these things back home but I don't know whether is it real but I don't really know whether the the animals the stuffed animals are real cause they look so real but it might be fake I don't know yeah


, err it's not too bad it depending on the rooms ya but some of the rooms can feel a little bit eerie because it has this very old old english charm to it ya so some of the rooms have like even a piano inside you know like it it it's really like out of the world is like you you are living in like a fairy tale


kind of err ya a a room concept, then some of the rooms has a little bit more like I say more eerie feel like they have err like skeleton and stuff, like as a decor ya so is is a bit weird but I guess if you like this kind of like err themes and stuff it's actually quite interesting


ya they always play with all these like err concepts ah, ya err four nights ya, yes yes four different rooms and the staff are very very friendly and nice because they don't have a lift then my luggage is always very heavy you know lah all the OOTD and stuff so my and all the shopping at platinum and all that shit so ya


, ya they are and and it's very cheap it's not expensive at all ya the ya, I can't really remember but it's really like very ulu ya it's like not not in ya not in the city area but you can always Grab everywhere so it's it's quite convenient in that sense


hello I'm alan here err I'm going to talk about insurance for today april how are you, ya good, ya so we going to err basically err do you own a insurance yourself


ya, okay so basically for myself I I have a a few policies err insurance err with a different companies so err basically you know the importance of insurance


okay


okay so do you have any idea how many years do you have to pay for your premiums since your parents bought for you since when you're very young age


!wah! ha that's a lot of money okay


okay okay


okay okay for myself I have to totally agree with what you say about insurance the importance of insurance ah so basically for myself err since you are my friend for so many years, you know that recently I I got a finger injury whereby I I had a a a major cut for my finger index finger so if without the insurance err you know the hospital bill could have cost a bomb


so err thankfully I bought the insurance a few years back and I was covered so in in in terms of err paying, I'm I'm paying the premium so basically when it comes to the surgery and all that I don't have to err fork out any single cents so everything is covered and that is err one of the


err err blessing in disguise that I don't have to come up with that huge sum of money for the surgery, ya so ya so err it is also taught me that err, usually that a lot of youngsters right err nowadays they do not know the importance of insurance because uh


sometime you know err you have friends that are insurance agent that may come to you and ask you to buy policies but sometime they might not tell you what are the importance of it but a lot of time is most of the agent I would say


err they will just err hard sell you certain things but they do not tell you what are the needs that you need for this particular insurance so I feel that ya so sometime, we we err for as as as we get older we will feel that the premium


to us is important but as we grow older premium can be more expensive rather than when we're when we can buy it at at a younger age last time


correct correct yes


err I think is the ElderShield or something like, CareShield is it ah okay


true ya yup, correct correct


but how about err how about travel insurance like let's say if you go for holiday do you basically err opt for a travel insurance for yourself


ah okay, yes okay, , correct correct yes


correct, okay


but let's say if your parents are travelling together for a overseas trip do you buy on their behalf or usually would they buy on their own accord


correct correct, okay, err I I think I did as well when I was travelling to europe and


halfway through you know uh things might happen like a stolen baggage and all that so err back then I think err I was in this err Frankfurt, for holiday and then err when we actually so called landed into Frankfurt basically the luggage didn't came out


and then err the airport staff told us that it may be have been, mishandled so err we waited for a few days but there was no show of our luggage, err they they give us a call say there was no hope to find the luggage so uh ended up we have to err contact our insurance company that we bought the


the travel insurance so basically they just uh told us to give us to give them the items that we have inside the luggage or whatever things that we need to claim, and then err within I think within two weeks they claim it back for us ya and if I'm not mistaken it was err MSIG insurance policy


ya, I I travelled with my partner so we only paid err for, I think nine days we only paid about hundred and forty singapore dollars


err we managed to claim back up to, to nine hundred and eighty, ya so I think is quite a good deal, err but of course when we travel we don't wish that things might ya go, ya you have everything there and your mood is happy going for holiday and then halfway through you realised that oh things don't go the way that you want


it ya so end up we got nothing and then we have to go shopping over there and buy our stuff so ya, shopping , but shopping actually we did lah but not not a hundred percent lah maybe was like err seventy percent of the receipt we just claim it with them


ya, correct because when we went over from singapore to Frankfurt the the things inside the luggage was err not not really a lot of things so basic, yes that's right that's right yeah


correct ya , correct