so I called and then he came, he he he was quite uh quite nice uh quite okay with the timing because I need him to come, uh during the uh, lunchtime because that's the time when I'm at home, if not I'm going out so he came during the lunchtime so he clean up the he he he actually check my machine see


whether is there something wrong so he checked the technical part <B>, spray the thing into some part of the machine the aircon unit that's not supposed to lah


so he did he very patiently, knowing that what I did he he try to adjust accordingly, so it took uh the mistake I made ah he took about one hour to clear that mistake that I made ah because the the the the the spray thing instead of go uh flowing out of the aircon it went back into the pipe


so now the pipes uh the pipes along the wall is uh is uh wet, and soggy so he has to clean the whole thing just for me, and then when they when he tried to charge me he didn't charge the extra service


so I'm pretty glad that he kind of help me with it, then after that, after he finish everything with everything he teach me how to clean myself you know because uh I, I've ya so he he spray and then he showed me how is it done correctly so he say in the future you just do this to maintain the


aircon and not uh this, tell me not to unscrew anything and try to you know investigate into the machine, because some problem ya with the aircon alright I think that's it I think set


insurance, okay so I will start first ah okay I'm sorry , ya, ya then you need to clap also and say the word insurance yeah okay


okay let's start again, okay ready go, [orh] insurance okay uh


uh hi my name is uh candy I today okay what I want to share when I mean we're going to start with, the number one so uh number one ask whether do I have <B>


and that insurance was bought like very long ago from my sister who used to do, Great Eastern okay , so back then I think we don't know much about the insurance so everything is from, from her you know she she went through the course and then she came back and share with us oh you should buy this this is good this is good this is good for us so back then was not rich lah ha so poor so bought a very basic one


but I think is the term one that is like when I die right then I'll have more, I'll have the money payout ya and it'll, also cover critical illnesses, okay so , ya so that was from great eastern okay then subsequently of course as


I get older then I have more uh, uh spending power so ya I bought, probably uh I I bought some insurance from AIA okay so and people say don't put your insurance into one big basket so yeah so that's what I did I didn't put them all in one great eastern so it was spread up between AIA Great


Eastern and Manulife, okay let me see uh, uh, uh ya so that's the kind of personal insurance that I have, ya for myself, okay there your turn


for your personal insurance ah


okay so for ah, okay so for me right uh, uh endowment is more for my son my child okay because I find that endowment plan for an age like mine ah, is very, very high the premium is very high so it's actually not so


I I I don't find it worth it lah so that's why uh when I had my my child okay I actually bought an endowment plan under his name you know at zero years old so the premium was not uh very high but the payout was, quite good that was from AIA ya that's how I get to know about AIA what kind of thing they what kind of insurance they have okay so uh talking about


travelling lah hor of course my sister say that oh travel insurance must buy okay so that is as an when we go holiday okay but I think for my sister is that she bought a whole year one because she's always going holiday , previously ya except for now


the the the whole year thing okay ya okay go


ah okay so for me I don't ah I don't get annual so I only buy as and when I travel, , then the okay for the, ah now no need mah ya


correct correct yes yes, !huh! oh ya the one that was pretty pretty not pretty expensive one ya but, uh, yeah that


correct , ya so now there're there're ya so now there're there're just too many kind of insurance ah okay uh okay so uh one thing about endowment endowment plan what I like is that they will give you money back


like uh you can withdraw some money out ya every like two year or three years, ah which is good because I'm not good at saving, okay so this plan <B>, so uh anything to add on or not for one and two don't have already ah


we've finished one and two so number three lah ah let's talk about percentage okay uh for myself, I don't really count how what is the percentage of my salary that goes to the insurance, uh because I only pay every year


it is a yearly thing yeah so uh as it comes then I will pay you know then the most that month I spend lesser buy less thing, , ya so I don't have any I don't actually have a percentage that links to ya how much I earn towards paying you leh


okay okay !wah! ten percent like very low eh, okay can you cause uh okay because I don't have ya


I don't have share I'm a very low risk person so no shares for me okay, uh but there, are still risks leh okay as long as we're talking about stock and share forget it I'm not interested that one


ya okay okay but you can talk about it later no problem ya so, yes that's right uh, uh do we go from single no I don't go just one I do uh multiple like we mentioned earlier right we actually uh don't put everything into one basket yes that's right but I have


AIA is also, no I don't think Great Eastern is local also okay I think the only local is NTUC


ya ya okay which I only buy one plan from them uh for the house content, okay because I scared my house get people break in lah the water pipe burst lah my <B>


so that NTUC one I only buy for the house, that is the content besides the normal fire insurance, that HDB need us to buy ya I bought that one did you buy that one for the house content, yes ah okay ah ah only the fire ah


[orh] maybe you want to consider I think the NTUC income one was quite okay though, not very expensive for five years ya five year plan okay , okay okay so what number five is, number five


they talk about buying car okay I don't own a car, property we have, right so we bought the uh, fire insurance I have the house content insurance and of course the HBS, the one you want to use CPF money to pay then you need to buy that one okay travelling overseas uh we already talk about it already right because we talk about travel insurance


okay having children okay that's more for me okay so ya because I have one child so uh what I did for him is that , uh since birth he has a insurance for endowment that is to help him through his university


K then of course we also have, uh uh term insurance that's life, insurance covering thirty, thirty three critical illnesses, and thirty three okay then of course the hospitalisation one, okay that covers him if he gets to hospitalised


ya, okay ya that's that's that's more of like for my child if he is actually called more or less like fully covered, ya in that sense ya, okay so engaging a domestic helper okay we don't have one


okay and engage in commercial activity, !huh!,


I know but travel insurance right sometimes don't cover diving, so, ah so but once you choose that one that means the premium will be higher, correct ya ya okay so I, ya so I , correct ya so I think that one I think their commercial probably would be like


shophouses or their business thing ah which we don't have ya okay okay, oh no that is work lah


uh uh, uh ya that workmen com is different lah I think okay but, commercial okay can keep up anyway okay number six do you have CPF oh yeah definitely my CPF is definitely covered hundred percent


okay because I'm the only uh owner for the house, okay so the deduction is always through uh the ordinary account, the dependent product protection scheme I also have, uh ElderShield I also have okay and I also bought the add on one you know for the ElderShield right they actually say three things cannot do right but for mine I bought one from


Great Eastern which they say if as long as I have two thing that I cannot do then I can claim already, oh okay no one ask you for that, [orh] okay so anyway I got that one uh and that one ah is fully using medisave to pay I don't need to pay cash one


ya so instead of three things I cannot do now as long as I've got two thing I cannot do then I'm very well covered okay uh I, I don't think I have medishield life because, I'm using AIA uh health shield plan, so uh ya so I don't have that one ya


ya okay I think I think AIA one is quite well quite, quite nicely covered lah correct you also got AIA one right, yours is what !huh! (hmm) , oh you took from the government


elder okay ah, why because that means now you are paying the three one the three three thing you cannot do or you you opt out totally


three three ah ah, [orh] okay yeah because I ya ya ya okay can can let's skip let's skip what would you approach an agent oh okay so my all my ah


not true leh, because ah I find that insurance is something that is pretty difficult to, understand, okay so I need, people to come and tell me uh like lay it down draw me a plan and tell me okay if you buy this uh something happen to you like in the next ten year uh what would you be getting you know the they show me the plan so


for me ah all my insurance plan are with an agent, okay ya I have never do any research on my own ya when comes to buying insurance not not for me lah but maybe because you have some background


ah okay because you learnt from Great Eastern right remember last time so I think more or less you know what is, the meaning of their term so ya so I'm a layman so layman use agent that's how they have work mah then got money okay


find their policy are almost similar, uh it's just that maybe they they add a bit of perk here and there and then they just increase your premium a little bit I think


!wah! okay I didn't I I don't do any of that, I just listen to what my agent say , , okay what kind of insurance are essential for people of my age, (oo) uh uh, yes yes definitely definitely


uh because you never buy the co deductible one, because uh, uh co deductible need to pay cash one you cannot use CPF to pay so that is the one that I have yeah so how much do you need to pay


okay so you need to review your MediShield, life plan so maybe because you didn't buy ya because my AIA one right it's uh usually it will cover all so if I know


you remember that the one that I went for my D and C ya, so it's actually fully covered by my AIA health shield ya I don't even need to pay a single cent and I stayed in first class some more single room okay okay , no but you will put into a single room right because you have fever and now it's COVID nineteen


I remember that one ya okay okay can, so uh number ten what okay what do you look out for an okay for me insurance agent ah means they must be uh for me lah ah they had to be knowledgeable okay they have to give me summary okay so what my AIA agent did was


uh she will, uh he will ask me for my all other plan like my great eastern, and my manulife plan then he will, quote yes yes he will put them into one uh spreadsheet for me and then they will tell and then he will put in like what I have been covered what I need to cover ya that kind of thing so that's why I


look so and I always stick to one, agent only so I don't I don't move around okay so if you are insurance agent oh dear, uh but, eh you ah insurance agent please answer that question yes


actually money is important right


everything also want (hmm) true true, , but I think payment is one of because


ya okay so that's why this goes to the part on the thirteen and fourteen , ya uh because I don't mix insurance with investment so insurance is insurance investment is for me lah okay, but I think for you you do right you do mix them


okay uh, term life or whole life is better oh, isn't, they the same, term life and whole life


[orh] so that means the term one is that you buy already you die then you get money, whole life if you if you don't die you can still get some money back it is that


[orh] then I must go and take a look my great eastern one is what term life or whole life, okay I think I better go and check okay uh do you have a do you have a investment linked policy oh


then you got no money back , , oh that means uh okay so you invested in the wrong time, ya so ya because, uh do we can we continue


ya ya ya so the last one is the the investment linked policy cause I know I have one alright uh I pay out that time


was uh that was also during the crisis period I bought the it was a high risk one okay the stupid agent lah go and invest in india, okay really okay he went to invest in <B>


yeah, back to my special account double you know after three years and it was india market then after that I tell you I told her, I don't want anymore you can kick me out of, then won't buy at that time that risk was horrible ah I cannot sleep ah okay that one I cannot Tahan ya so that was the only one time I had


that was the investment linked, no no no uh that time !wah! , that time my one was the india one I tell you scared the shit out of me okay so no more


[ah] you wait long long two year at least ya, (mm), okay (ppl) okay okay we're good (ppl) (ppb) no problem


negative product review okay so hi I'm candy okay so I'm going to start with my negative product review so uh earlier on I talk about the, positive thing about national dental centre but of course I now I have a very bad experience with national dental centre okay so uh it this is for my my my child who went there for his wisdom tooth extraction so he went for two two times extraction okay so the second time we went uh


I was a a much later timing it was like a three thirty slot okay the appointment time was at three thirty okay however, we were only served like at five PM okay at five PM and the


the the way the dentist explained like you know uh whether to uh do the upper one as well or the lower one as well uh was not clear he was like say oh you want to do the top one also can you want to do the uh both together also can you know so his his explanation was not


uh as good as the first dentist that we went to see uh the first time okay so anyway because given at five O clock right so I also think that he might want to be going home lah ha so I guess, so we say okay then we we we just keep the the top one first okay we just go ahead and extract the bottom one okay and it's like there's this consent form that I need to sign because my child is below the age of twenty one and it's like he already write the form you know lower and


upper you know uh third molar tooth, then after that can tell me oh we just do the bottom one will, do so no need to cancel one it's okay, so to me is that the form is the thing that I'm signing if I sign lower and upper that means you're doing both correct so how can you say it's okay just leave it as it is so already


that portion is already very very bad experience so that means you're that I find that he's not taking <B>


twenty minutes thing you know so he was already done okay so uh they put gloss on him okay then because it was like already five thirty six O clock okay and they're going to leave soon so the nurses asked me to take the, form to go and get the medicine like the painkiller and the mouthwash for him okay so I went over to queue and then get it and then by the time I go back to him he was already six PM he was already outside sitting down waiting for me okay


so uh okay so he he was told lah ha by the nurse to check you know make sure there's no bleeding if no bleeding no need to put the gauze anymore okay so we went to the toilet he checked then everything was fine okay so we went home okay so, at home uh everything was still good there was no the bleeding actually like sort of like


stopped okay then after that we he went on to to bed okay so uh of course I have to check on him regularly be it the first time or the second time so the at two thirty in the morning okay I went to check on him and I realised that he was bleeding


okay so I woke him up then we actually got him to put on the gauze and try to stop the bleeding so we did the method that they were telling us okay because there was a leaflet given to us say uh uh gauze uh hold uh like, uh bite for it for fifteen minutes alright then remove check again if it's not bleeding then you don't put the gauze okay so we tried okay then their their their word is like uh you attempt a few time


okay and if the bleeding don't stop then you go to A and E okay so to me is that, a few times is how many times, okay so uh okay so never mind so we said okay a few time we try okay so we we try to stop the bleeding okay so we start from started at two thirty and until


four o'clock the bleeding still haven't stopped, okay so I find that it's too long because it's like AM in the morning we're all tired, okay so we decided we went to the A and E, okay so at the A and E we went to SGH A and E okay it was, pretty quiet okay uh so we were doing our screening outside


ya okay with <B>, asked uh what are you here for, okay we said oh he had an extraction and he is bleeding now, okay and yet he can come and tell me ah just to let you know the waiting time is five hours


okay ah correct five hours then I was like, no but he is bleeding now you know he's bleeding it's not that he's having a cough or, fever or you know something but he's bleeding you have to stop the bleeding right you cannot tell me the waiting time is five hours okay so


anyway I ignored him so when I went to the second room where he did all the checking for his pressure and all those things I told the the attendant there all I say he is bleeding can you please, okay I'm telling you please go and call the dentist and ask the dentist to come down okay because this one the normal doctor cannot do anything one you have to get the dentist to come down okay so by the time we registered with the


the A and E right it was already like four thirty, okay okay ah so bleeding ah so because I I left in a hurry that's why I never bring gauze, okay I never bring gauze ah so I asked them eh you have gauze so that he can do uh preoperative check


and then make sure you know change the gauze lah so that to hold the bleeding okay so they gave me a, very big piece of gauze okay so Kai try my boy try to go and fill it in but it's a bit uh tough so we went back and asked for a smaller piece !wah! he outright reject me say oh that small piece we don't have one


okay you got to ask from the dentist later, okay then I say but one piece is too too little two piece is too big okay so he said okay then uh maybe cut lah, okay then he just pick a scissors out from his bag not cleaned not sterilised


and cut, and then he expect Kai to put that gauze how a bit into his mouth where it's bleeding okay so ha we cannot take it anymore so I decided to go and ask the the the the the doctor in the room and say do you have a smaller the smaller piece when you can fold into two and then you can bite okay so luckily they have


so we managed to do it so we didn't get to see the dentist until about five thirty in the morning, so imagine every fifteen minutes you go in and change go in and change so he has been bleeding you know so you imagine , if it's an elderly or you know or somebody of middle age like myself then what is going to happen okay just because he's young doesn't mean that they had to treat him like that okay so the so the attitude was all not right lah okay I find that it's


it's horrible even the A and E ah SGH was also horrible waiting time five hour when I told him he is bleeding okay so, okay but anyway after I seen the the dentist at the A and E okay so she managed to stop the bleeding, okay so the bleeding got stop and then by the time was six six six ish ah


so we get home so he had because he didn't sleep for the whole night ah so he's tired okay so we actually slept through lah there until afternoon then he woke up okay, then after that because I have concern mah cause you don't know what the dentist put inside, so I called the hotline


I said I can I speak to the dentist that you know who attended to us at the A and E okay, uh that was wednesday ah wednesday, so the nurse say okay I send a message to the doctor you wait okay so thursday no call from the dentist okay so I called the uh national dental


uh uh, uh QSM line the quality service one okay so, I thought I give every name give the scenario everything so, from QSM maybe the doctor will call me back on the same day lah or maybe the next day friday lah okay because saturday sunday off mah no working so friday no call but luckily his bleeding stopped but


I still want to speak to the dentist okay okay never mind so sunday he went back camp okay monday also no call from the dentist then finally tuesday the dentist called, okay and asked me oh how is he, then I say uh you are a bit too late lah because he's already back into camp on uh sunday night already I specifically told the ya I specifically told the QSM people that you know he's


booking in on sunday night, okay so to me that if he is, in I mean if he's out here ah then I really don't care you know when the dentist call me back but I already told him that he's going back on sunday so I need to make sure that you know he's in a good condition before he goes back, okay uh but then the dentist only call on tuesday lah by then I told her everything is too late lah ah we're almost


and done and over with it lah okay okay so, uh ya so that was the very bad experience lah we have with uh SGH A and E and as well as the national dental centre okay, then the other one is for YQ then this is another platform for


uh food delivery, yes so it's actually for hawker center like #tiong bahru# market, uh the, the chinatown the the market one lah the hawker store and okay, so that time, I wanted to eat fish soup, K so I ordered ah so I booked very early you know our I think about three PM ah I booked for the evening slot the dinner time


okay so booked already pay everything okay so they say suppose to come between six thirty to seven O clock okay so I was waiting waiting then suddenly I receive a message ah and tell me ah, uh my order cannot come between six thirty to seven it will come at seven thirty to eight


so that was horrible ah so that was the only time okay I order from them and that's it I'm not going to order from YQ anymore ya that one was horrible, no they they never say anything they just change it to seven


they just change it to seven thirty to eight they, say high demand or something but, I requested at three in the afternoon so shouldn't you put me into priority you know that kind of thing and I already paid so, !wah! that one I really cannot understand so that was a very bad experience with YQ ya


uh mainly for hawker centre, yeah and they only have fixed timing so I choose the timing that you put inside your website mah so it's like ha ya so that was ya that was bad, uh have have, one store three fifty


uh imagine you order from two store then you have to pay seven dollars for the delivery, ya, so it's not that cheap okay they're not that cheap so uh so no more from them YQ okay don't go there okay, okay can okay


yes yes yes okay your turn


eh did you pay for it, then they give you back the money already [orh] for that one module okay okay


yes yes


so now they are still noisy ah


then did you go and see your MP


bad experience okay but my my experience with manhattan fish was very good Kai has his birthday there you remember last time, ah ah, so I think maybe different place


uh positive product review ya positive product review okay ah okay so I'm candy so let me start uh by sharing


the uh the positive product review that, I have experienced okay so the first one I had is with, the telecom service uh that was with M one okay so uh during the COVID period because uh all the shops are closed so I cannot actually go and uh buy handphone you know do any experience on the on the phone so but because my handphone is due


for uh recontract so I decided to give M one a call okay now so when I call M one I was thinking maybe they, you know they will uh the the waiting time might be long because it's like uh everyone is calling in but surprisingly I didn't wait too long for a customer service to serve me okay so but okay after she served me after we do some verification so she was


uh I was more or less like giving her a not so good time because I want to know what are the phone that are on promotion uh what are the phone that if I go online it will be cheaper as compared to if I buy, from the shop or uh ya buy from anywhere else lah okay so uh she she actually helped me out okay she was very friendly okay and she was very nice and she actually uh


uh asked me like what type of phone am I interested in like is it uh what are the models and things like that so uh of course uh I'm always using Oppo so I decided to stick back to Oppo phone so I asked her about the two different model that was the model three and model four that was the latest


so she was very knowledgeable she can even tell me like what are the differences between the the the the model and then of course she also told me that the model that I interested in is having promotion if I buy, online okay so so I decided okay I'll get it online <B>


or anything like that then she uh she was very fast and she told me that oh there's no need for you to come down okay we will deliver the uh phone to you okay and she she actually uh okay asked me when do I want the delivery okay and then she uh make an appointment for me okay and


then she even like uh highlight to me remind me that when the courier come I should open the phone and check making sure that the, phone is in order okay and if there's any scratches or whatever don't receive the phone just return back to the delivery man and they will just do another replacement okay so uh ya this is something that I didn't expect because


usually most of the people will just take the courier and then they'll just leave it you know sign for it and that's it but at least she actually, reminded me that I should ya check on the product you know so so the overall service was very very pleasant very nice so she was very knowledgeable and then ya so I enjoyed the ya her you know buying phone online ah there was the very first time that I get a phone online without


like really going there to see the the phone okay so that is the first experience I have with M one okay then the second one would be on this national dental centre okay for myself and also for my for my child


so what happened is that uh, uh I was uh okay I went to get an appointment to see a specialist for some gum treatment okay so all the while I'm seeing private because I I am very scared of the government one because they tend to be a bit more


rough and then they are not as friendly you know as the kind of the kind as as they are supposed to be ah okay so but then this round when I had this meeting with uh this doctor doctor ivan okay uh I was uh very surprised that, uh he actually called me okay uh like


uh around seven O clock to confirm with me that I am coming for my appointment tomorrow, okay and he and he actually like , ya I mean for them to call me at seven PM to confirm that is coming tomorrow that's something that firstly I didn't expect so that was <B>


okay then when I was there on that day my appointment was at three thirty okay so I was a little bit early okay so I while I was sitting there waiting uh


it was almost close to coming to three thirty then the nurses the nurse, came out okay looking for me okay so I thought what happened and actually she's out to tell me that oh the last patient is uh taking longer than expected so telling me uh to ask me to wait you know and apologise uh to me for letting me wait


for ya for for for for for the service, lah say so that's the second thing that I was impressed with lah okay ya that they actually come out and tell us to uh come to apologise to me especially okay, okay then the okay so I thought that uh okay that's it lah ha just I just have to wait so later on when I was being call


in okay, uh sitting on the the chair okay so uh the okay so the the dentist doctor dentist actually uh once again apologise for, keeping me waiting okay and then try to ya he was trying to sort of like assure me that okay don't worry everything is in order because you know every time when we go dentist right we be very scared okay but uh yeah apparently he gave me the kind of


uh uh, okay feeling that I know I don't have to feel so scared, okay so he he tell me, what is he going to do with me uh check, my teeth and all those things uh and that that means is like he give me a step by step of what he's doing so which I'm also quite impressed because I didn't expect that to come from a public sector ya I I thought that only come from private ya so then eh


ya so that was the yeah the good experience then of course now all government sector when it comes to payment, you don't have to pay lah you just have to go home then they can bill you later ya that's one of the thing that's pretty uh comfortable uh and and very nice ya very positive so that you know I can don't stay at the


clinic and wait for them to uh ya to to to to to make payment ya so I could do it actually uh later on my own at my free time , so ya that was uh one of the experience that I have with national dental, which was uh yeah pretty good yeah and then


uh then of course the other one is my son doing the his wisdom tooth okay also the same thing we didn't really have to uh he didn't have to wait so long okay and the the the dentist was very knowledgeable were able to advise us what to expect hit this here and there


you know and then uh the nurses there are also very kind so they were all the the experience was wonderful lah so it's very good ya so great improvement for national dental centre okay okay so these are the two thing that I'm sharing for positive ya okay over to you


hello you continue ah your turn ah yes, can you unmute yourself yeah


is it Singtel hello hello uh why she cannot hear me ah okay


now the wait eh wait wait wait Jie just now the hotel one is where


hello why somehow her , no you you know wait wait wait just just now you said about wait can can you hear me


uh no just now you were talking about the hotel one where is it where where is it poland or is it japan your your hostel stay ah uh that's japan one ah


oh okay okay ya so japan always have very good uh, ya but japan has always have very good service okay, so I find that ya if when if you go japan you will get good service , okay have to


ya I guess it's a different type of thing


so, then okay ya so for for me right, yes okay


no you talk there was what


no you continue you continue ah ah okay can


ya darren yeah darren is always a very nice guy (mm), (mm)


part one finance


oh ya I do have a savings account like you know I, I, started when I actually uh went into poly because I just didn't find a need to you know like have one when I was in like secondary or primary school


and ya like my one is like still like like a kind of like a kid's account like it's kind of like a joint account and ya so the features of the account is basically is that like I don't have to have because banking some of the


I mean most of the bank companies what they do is they require like a minimum amount to have like in your, in your account when like you reach a certain age or when you start working so the feature of this account when you have a joint account with like someone who's a minor is that you don't need to have that minimum amount cause if they do if you have that minimum amount is good if you don't have then they will like


you know like I think they will charge like two dollars or something in my case lah ya


uh I have a debit card I'm too scared to like try out a credit but but I think I'm at least I think a bit too young lah to start maybe that's what my parents have told me but ya what about you do you have a debit or credit


I don't I just don't think it's a smart , finance move for me yeah I think not now lah maybe at least like later on in life then maybe yes


okay lah I think as couples they they can have like a combine like a joint account but I think , it's it's I think it's also like I they both have to have like this mutual understanding that there should be they should be allowed some privacy and stuff lah and there should be some boundaries involved ya but


maybe there's like some features in some like bank company that like allows couples then maybe they give like you know promotions and stuff do you what do you think


like okay you know like if you have joint account right like you can you can tap into the other, party's bank as well like their money or you can look into their transactions and stuff so I mean it could be good but like what if you know they just like take then like they never tell you and stuff like that's also an issue right like they just take money yeah all that that was what I was talking about


yes yes uh I mean people be sneaky like that I'm also sneaky with my joint account


but yeah, ya ya but all in good fun, , okay so do you, what thing you use it as a birthday gift


oh my god no, but, thanks I will use that, as an advantage anyways do you have a high yield bank account or like a fixed deposit, like share your experience what's the tea


wait so it's your money that you save


yes I think maybe in the future, yes cause like you know it's safer so for example, you can use these because I've never had a fixed deposit but if I had it right I would probably use it as a way to like minimize my spending do you know what I mean so like try to use like say for example like your parents put thousand right


so say I put thousand and stuff like I try to like maybe use that thousand dollars for like maybe like, three four months like take care like since I'm starting internship as well like you know have it as like my money to spend and stuff lah like if that's how it works then then you will have like a fixed


amount of money then you won't be tempted to act like spend whenever you want because you will think about oh I only have this limited amount of money left you you know what I mean, so I think ya, it could be used that way as well


okay like times are changing, I feel like, fourteen year olds are buying online stuff now and they need their I feel like, !wah! this is a difficult question because at our time I feel like everything we had to ask our parents


you know like we had to ask our parents for everything then if you want to buy something online your parents are just like no cannot cause they don't trust but now times are changing and like when I was fourteen I'm, pretty sure my parents would like never allow me to use their bank account like careless like not carelessly but like just


easily, ya but now I think maybe like when they when children are at like maybe they're sec four they're taking N levels they're probably like old enough to know and navigate like like online shopping platforms and stuff like that so a ATM card for them like just maybe one like a kid's bank account you know for them to


just use ya I think it'll be okay lah so when they are like sec four sixteen ya what about you


oh my god


so this one really learning from experience ah, no dude you just unlocked the huge memory in my head because I remember like I'm pretty sure pass books are not around anymore already right


ya but then like I remember I still have this vivid memory of my mum go in and like putting the passport passport lah pass book in, to like and then the thing will like Wer Wer Wer and like it will just print it out


ya ya ya I I don't know I've never had one I'll by the time I got my ATM card I was it was I think it was over


bro let's think about how times have changed like last time we had to put in a literal book and check see whether it there's money in our bank but like now you can just do it in your phone


the the passion card thingy, yeah I know that one is a points system right where you, ya ya ya ya I I've heard of it but I don't I'm not I'm not a I don't use it because I'm I'm not the one holding my PO and my DO uh DBS card


I think depends lah like say for example like points system, ya lah I think everybody should be using it because I mean it benefits them in some way right especially cashback it's like good for people who you know they want to save some money and stuff


like they can just buy something they get cashback it's almost like they are like they are saving money what in that sense so ya I think it's very helpful for people what do you think


no I didn't know the interest rate was so high


I don't know , I have no idea, not our parents


I mean ya of course I mean the it's the whole thing about save like the majority part of your, pay you have to save and then like you you spend like after you save for for future and then you pay your bills and then that remaining money then you spend on yourself and stuff lah but


when we are young we really don't take like advice but we really like for me lah personally I think I should you know be very close to it because now I'm like saving and all, but I mean I could definitely do a better job like let's be real I can definitely do a better job but I really didn't know about the maybank part though


insurance, (ugh) no I've only heard of other people like in my family purchasing insurance I haven't thought about it for myself what about you


ya of course I mean my my siblings have it because they work for themselves right so they purchase them lah I I've seen them like you know talk to their insurance agents you know they come to our house and I listen to them like talking about the plans and stuff I'm not very knowledgeable but I however know how to


pay insurance using that X A_X_S especially because they they they literally torture me every, time be like can you go help me pay can you go help me pay (ppb) ya I know how to pay (mm)


part three negative product review


I remember when I went to buy bubble tea at LiHO listen , okay I just wanted to try like just matcha latte, like I wanted to try matcha latte and


I don't know it's just it just didn't do it for me I don't know why it's just that when you can taste the powdery like texture in your drink, because I know they use like powder and stuff and like they mix it like I completely get it it's like flavour and all but it's just something about the powdery thing it's like as if they never stir properly you know so then I was like oh my god like what am I gonna do now because it taste like ooh and then I was like


I was considering whether I should go back and like you know get it fixed and stuff, but like I just didn't want to like bother the bother the people working there ah so I just like left it at there but also I waited pretty long for it too so I was like


uh bro I'm not even gonna bother waiting and then from then on right I just realised I just will stop purchasing from LiHO lah like I mean they don't, I feel like ya they just don't do it for me so I just stopped purchasing from them do you have an experience like that


customer service no no eh I I nothing that made me like super furious or angry because I only heard like getting done to other people like they they tell me their experience and stuff lah but one thing I remember right till this day was when I went to malaysia to buy


okay perfume I went to go buy perfume right and no I I didn't go there to buy perfume it's just that I was there and I was like oh this like it victoria secret like a bit cheap there so I was like okay let me go get like this perfume came back to singapore was using it maybe it lasted


five days, until it started to show ya until it started to show that, it's damaged like it was like I started I spray right suddenly the spray thingy like the spray the sprayer


was not working and remember I complained to you because it was like the newest edition, ya and it was like damaged and I was like how is it okay like it, it can't be me like come on like I I know how to use a spray bottle right so then I like like I spray and spray spray like it didn't make it then I like took out and everything I checked everything


it looked fine like it looked fine but I don't know why I couldn't press it and I could can't possibly go back to malaysia and like have it fixed right like that's just weird so it was just sitting there, my on my counter like just like oh I was I kept thinking like oh I have to fix it I have to fix it but it's just that every time I try to fix it it just doesn't work and then ya lah I was just super upset about it lah because like it's it lasted like five days leh bro you know there was still like so much product left


and I was just thinking like damn this is really bad and like yeah I don't know what's happening there I've never had that experience like like anywhere, like especially with perfume


my god that's just


that that burnt my skin like it burnt my lips so bad because of like I don't know I guess it's because yeah because of, fake like fake makeup product they use a lot of harmful products ah it's what I heard like they just use


just weird weird like acids and like chemicals and stuff it's it's just weird so, ya thankfully I I got to know that through putting, yeah putting it on my lips


bro it's not if it is then it's probably expired or something you know what I mean, it has to be something like that's just weird


maybe maybe a skincare product now cause I remember I tried this skincare I don't know what it's called I think it's #mario badescu#, and I think I tried like their lip balm


I thought lip balm, no listen I tried it and uh people were raving about it on the internet right nowadays like people like to say a lot of things about makeup and stuff on the internet so I was like oh apparently this is like the best one that's like in right now so I was like okay let me go get it


so I went and I went to go get one and then end up, it didn't do anything for my lips if anything it made it worse like it made it even more dry than it should be or I mean even more dry so it it was just worse, and then I was just thinking like bro it's so bad and plus the application like because you know how lip balms right they come in like you know you don't have to twist it up or you squeeze some some like where it came in the squeezy thingy but it was so like it was just so difficult and inconvenient to use


and I was just thinking oh my god and it made it even worse and I was just thinking okay I'm going to stop buying this specific product from you and then it also there are also some news came out that their sprays the facial sprays that I use right , is it also has like bad ingredients in it as well so not only did I have a bad experience with their product there's also like a actual article that came out that actually their a lot of their products have these ingredients that are like not very good for people's skin so I was like okay then that's a no go


not like ,


okay or is it like a hand washer like hand wash kind of thing


okay that's


oh my god and did you all asked like what's going on, !eww!, oh my god, it's so disgusting so disgusting bro


no, actually not hotels or shops but like rather electronic device you know those okay remember I used to have a Oppo, okay I had so much trouble


with that one smartphone because of I don't know what it was it's just that it was like I've for maybe a year it worked really good like maybe like yeah like maybe almost a year lah it was really good and then when it was reaching the year mark it was just starting to make a lot of like you know like it was creating a lot of hassle and then


at that time I was still in secondary school right so uh yours your phone is basically your life you know so then it will go to this thing where it will go to the reboot screen by itself, because you know how certain phones you can reboot by like just pressing your volume down button and your lock button like like there's some like there's this thing lah where you can do that


so because this phone I don't know why it just happens that like the it will just go to the reboot screen by itself even without me doing anything to it so then it was a problem and there will be hours on end right my my phone will just be locked for hours on end and I have to text people through like


WhatsApp or like like you know computer like Twitter or like you remember, ya because my phone was down and I don't know what was going on and it would be like that for like hours and then I have to wait and charge my phone charge charge charge until like it worked again so it was such a huge thing then I had to go to bring it to the Oppo like service centre


to fix it first time I fixed it he was like oh it's just the volume thing like it the volume the volume down button is like spoiled so I'll just fix it for you now he fixed it for me great, went back home everything was great, a month or two later it still happen again


and I'm like dude come on so I went back again and he was like oh now like ya I change the thing already it will still be like that like uh it will be fine now and then it's still like that you know so like for that whole year because I have to wait for my plan to change so I can't like, just go to my mum and be like just buy a new phone for me like that's just like that's not happening so then I have to like I kept going I think I kept going to the service centre for like so long


like I I've went there like maybe like four five times like in a year you know just to like get it fixed and like I know four to five is doesn't seem like a lot but it is like annoying when you have to keep going to fix the phone, and they didn't even tell me like a way whether can I fix it in my house like can I do it with my own like can you do like tell me something ah so then I was just like bro it was so bad and then the waiting time for the


service serve like for them to repair the phone also is one more, and then I was like you know what done ah that's when I was like, very disappointed with the product lah like it didn't last as long as I expected so I just like okay you know what I'm not purchasing from this brand anymore lah because it's not worth it like it's just not worth it to go keep going to the service centre like keep servicing your phone


uh no it was luckily it was still I still had warranty, so it was like okay lah it wasn't that like I didn't have to pay like a single cent to get it repaired but plus it's also like a internal issue it's not like a I I drop into water or something you know what I mean


like it was the fact that the product was just made like that then like the the volume buttons are very sensitive and they're very wonky, so then yeah I didn't have to pay anything but it's just, annoying lah like just you know just to go down and repair everytime


oh my god ya ya when I bought this shirt, and the shirt material was not cotton bro and they said that it was cotton but it looks like, plastic I'm sorry but it looks like plastic so then I was like bruh this is bad


part two positive product review


okay my favourite brand you're talking about favourite brand, okay , my favourite


place to drink bubble tea right currently is Boba obviously because they are the only ones who sell like, taro latte that I've tried which is like my favourite drink and actually right when I uh went to go order with them they actually only accept cash and the thing about it is that they were so nice about it to like cause


usually like you know they they like when I say oh can you pay by card and stuff and then like some people they really get annoyed like my in like you know I've had experiences like that but, they were also nice they were like oh you can get cash only like oh do you do you want us to like hold it for you then like you can go


like they offered to make the drink first and then they were like and then you can come back and pay it's fine and stuff so I, felt like it was such a nice thing for them to do ah like that they like empathize with me you know because like I mean it can be convenient when like you want to pay by uh card and then like someone says ah no no no cash only and then you're just like damn but then they were so nice about it


and stuff and I thought like the staff the, really the service standard for for a Boba was really good lah and then after that I when I collect I finally collected my drink they were so nice and then they were like uh thank you like don't worry about it it's fine lah cause I was like apologising then they were like oh it's fine it's fine no worries yeah that was one experience what about you


ya I think it's a good investment as well right in a card like a membership card


yeah and whenever you want ah, ya ya ya also you can use the card in the kiosk machine, !huh!


didn't know that okay, oh okay so


yes I was I was gonna ask you because I'm going to go eat with my friends like in a restaurant I was gonna ask you if you have any recommendations , ya tell me if you had any positive experience in a restaurant


do you mean like what kind of what what kind of products are used


you were asking of this reminds me something ya recently I went to sephora and because like they they I mean Fenty Beauty just came their fenty skin just came to singapore and it was like, it like it was such a huge launch and I went to sephora to like you know check it out ask them what it's about and what it supposed to do and ya I mean sephora you know you know the staff they there's a lot of them and stuff


and it wasn't crowded at that time so I feel like the staff were really like patient with me and they like took me through everything and they were like okay so this product is, for this toner is to like clear your skin what it's supposed to do and they also told me like what is your skin type and then they also showed me I mean told me where the first they told me whether like


this specific product is good for my skin or not so because I have like oily skin right they told me maybe this toner might be too drying for you then they also proceeded to show like what toner will actually fit me better, and so they open up took me to another like open me up to another brand as well so they were like !hey! that's this other brand maybe you should try this out


and I was like oh great that's lovely and then ya and then they were so patient and I was asking all these questions like come and what like what ingredients are inside and when is the best time to wear it and stuff because some ingredients work really well in like specific times like for example vitamin C like you only wear it


you it's best for you to wear it when it's like daylight you know because it's like vitamin C it's in the sun and stuff ya but then you need to wear sunscreen and all that so all these information they were telling me and like I didn't know this beforehand, but now that they have told me I was like, actually this is okay and then they were also saying how it was like a value for money because it's a nice bottle right and they say oh you can you invest in this now like say like fifty dollars you pay for once uh like skincare but you just use it a little bit but it goes a very long


uh like you can use it for a really long time so they were saying that one also like how it's a good investment so ya I remember the customer service was really good there


yeah they're


ya ya ya ya


honestly I buy perfumes from Sephora that's the only place I go oh my god this is embarrassing but ya I do shop a lot at uh Sephora because I mean that's where they have like those they have huge bottles and then they also have those like tiny tiny bottles you know like the thirty dollar plus ones


and actually I went there and then I was like you know I was, I was playing and I was smelling and all that right and then I have finally found like this like you know people have this signature smell, ya so I I just have this like specific perfume that I use and it's like I'm hooked onto it like everywhere I go like I feel like that's where that's what I need to smell like because it's just like oh like that smell just resonates with me you know what I mean so yeah there's this like Marc Jacobs the daisy love one


like you got me a full size remember ya that one I feel like anytime someone ask me eh can you like recommend a perfume to me and stuff I would be like bro get this get this because it smells like, like, just yes heaven just smells like pure amazingness so I'd hope like I that's why I always like recommend people like get daisy love get daisy love because it's a youthful smell you know and it's such a good brand as well it last for a realy long time


actually yes I would say yes because I remember the plaza sing outlet the plaza Singapura outlet


there was this dude that was working there and yeah he was so nice and he like you know likes like you know his you know you can swatch stuff on like in sephora, and he was he was swatching it on his hand and stuff like telling me and then he was like do you wanna try it on your face and all and I was like sure and he brought me to the the mirrors and like he was like made me sit down and like you know blended it out make sure let me know which shade is mine and all so I was like


oh this is not bad like I just like you how you go back to the pull and bear outlet everytime I tend to shop the most in the plaza sing outlet compared to any other outlet ya so ya, I've brought a couple of my friends there too so yeah


I mean yeah sure I mean, as much as I would like to wait say yeah I think so because when I was younger I feel like I have experienced motion sickness lah at least once you know like in those taxis where it's too low


and then like the smell in the taxi is like oh my gosh, so then ya then a lot of taxi drivers because they empathize with children a lot right, what they do is they just like you know they they they keep likes likes sweets in their car just in case you know like a kid somehow also because they don't want to ruin their car lah I'm pretty sure that's why but like ya they will just like pass you one like ah you can take this one uh I remember this one time like


the smell was like horrendous and he was like do you want the sweet like you can take the sweet if you want you know, and I was like oh sure thank you and then I ate it and I felt like so comfortable and then he was like ya I see I keep extra just in case you know uh kids you know like come into my car then like they cannot take the smell and I was like oh this is great that was cultural reset like I was like you know what uncle


more people should be like you


(mm)


part one finance, okay sis do you have an saving account if so share your experience details


uh for me I actually have two bank accounts but uh I focus on one savings account which I just opened when I turn sec four at sixteen years old


and actually same like you like as a minor like won't get any deductions or what until you at a reach at a certain age or you start working a certain income and will then deduct like two dollars from there but the features of it is like you having like uh benefits you know like our age like


our insurance having certain benefits to certain, places with that account that you hold, uh all for your bank account do you have a credit card or debit card with you


I do have a debit card but I am planning to looking into getting a credit card sooner or later like have you heard of the DBS having for poly students for their credit cards like minimum expenditure of five hundred dollars I think I will go haywire with the spending


ya actually they have it for like our age like it's five hundred dollars for credit card but honestly I think I will go haywire for it lah how about you if you were to spend that amount of credit card


, alright nice to hear that uh, ya so I mean do you think that couples should combine their finances and open a joint account like what are your thoughts on it


I agree with you but what kind of boundaries are you talking about at first you know what I mean like uh like certain amount being take out by uh by each partner or what are you trying to say


alright I see like I totally agree with you on that point right that will be kind of scary someone just take amount from your money without you noticing it like you know or is that your partner didn't tell you that


probably buying stuff and like perfumes and makeups and et cetera, use it as a birthday gift ya you take


you imagine you use the other person's money and just say it oh I use this money cause I want to buy for you, that birthday gift wait you'll give that ,


actually I had a fixed deposit but I removed it because of uh my situation with my income like I remember I told you this before like I actually had a fixed amount of about one K in my savings, so that it's actually you can either call the bank and say that you want to fix that amount hold that amount or you can just do this OCBC thing right like under the saving goals that I told you the other day that how you went went about it and to make create a goal and to hold that amount


ya so I did that and like but it's kind of a very pain, painful when you when you look back ah cause sometimes when you really need the money you really have you think you have to think twice whether you want to take out the money or not cause of like your situation with your finance so if you want to put us that X amount of money away like make sure you have


sufficient amount to uh hold you rest of your whole month or a few months to go cause for my case I did take out in eventually I took out in a way ah but what, ya uh no it's my parents put at first money in my my account then triggers our financial situation I had to take out


to use it for like bills and debt you have to pay for you know what I mean cause of our parents stop working already what at this point ya so it's it's the right move wrong time for me


ya so so what do you what's your point of view if you were to actually do this fixed account will you fixed deposit will you do it in the future


ya ya ya ya totally agree


alright, alright but as for as for now you don't have any fixed deposit lah, says , okay


that thing so at what age should a child be given an ATM card, to manage their own bank account so this you had been going on about this for a while right like before you even had your own a bank account so do you think how old should a child should be able to hold their own bank account


okay lah so honestly I had this very tough situation back then cause everyone in my school at my age in my class had a bank account and there's me without one so I'm like oh like I want to jump onto the bandwagon for this I mean like I want to have my own bank account and I was like


I'm a cool kid like that in that sense that ya so, but then I didn't had the need to cause I wasn't working uh as well I was only doing like freelance jobs which paid by cash you know what I mean so uh further on I started to work


ya part time job uh if it's only transferred through bank and the best part is I didn't have a bank account which actually I do but it's not under my name, so how did the payment method go was like uh me and my dad had a shared account and I'm under a kid's account with him certainly it's there I'm still at having a joint account with him alright so when this uh situation came I had to like put that account


into my contract and I said that payment will go through here so for me it was troublesome because each time when the pay come I had to ask my my dad and ask like the pay is the pay in is the pay in and it's not the the normal ATM card you know it's the passbook so you must see your passbook


so, ya it was so troublesome ya it cause I was I was still really young back then I was only like fourteen thirteen fifteen and I had I had my first job already and was so troublesome and I was not earning and I was wasn't uh earning even hundreds dollar leh I was just earning like like like slimly pass through hundred dollar leh and


that would be enough for me you know and ya so I find find it's actually depend like like how you say the times are changing so it depends on why the child need needs it at this age and, what if the reason for you know what I mean besides that maybe if I were to open up for my child a bank account and I'd probably put as a saving but I wouldn't pass the ATM card like to let even if there's A ATM card I'll wouldn't give the debit card at all just normal ATM like one you can cash out and stuff


to avoid spending unnecessary things you know what I mean like how I I do I did well when I first got my card, ya, here is like really ya could say that lah like I mean I don't know about you having a passbook back then did you when you first when you were younger


yeah yeah I mean that was for me also when I first got my first ATM card but before that when it was a shared account was so troublesome I remember and I didn't know how to use it back then so my dad has to every time go down to the shop is like the A the ATM there just put in then he's like no haven't come yet so you imagine how troublesome he must felt to for me to every time ask that


I mean that is that's how shows that how times have change right I means who knows in the future when our child , should have like a bank account or what you know Seka Sekali you know what if they have a new technology to just press something and they know the bank account yes totally crazy so I mean adding on like you know how like certain like


debit cards or credit cards has this like cash points or certain point system like dude I am sure that you have a DBS account right if I'm not wrong ya so you know but uh the passion card system like you're earning some points do you know about that


yeah yeah yeah


uh actually I do cause I tend to buy a lot of things from uh from store uh from supermarkets and stuff right so like especially snacks and I snack a lot especially at office so ya I tend to go and use the points some


it actually when you accumulate the points they try to save your money in that sense like you all of a sudden you'll see like oh suddenly you can has five five dollars cashback into this is like !wow! you know like five dollars is heaven to you, like like !wow! miracle but do you think you would like be people should start using like at least cash points cashback points or miles like you know they had this airport miles some airport mile right going on do you think people should start using it or should be using it instead


yeah especially those like working adults they have this one bank account if I'm not wrong maybank or HSBC I heard are very good uh place when uh working adults starts uh putting their money in there cause they have a lot of benefits like credit card benefits and all that


have you heard of it like the interest rates and everything like the ceiling rates have you heard of it heard of it is like three point five or two to three point five something like that maybank yeah I was actually planning my life with my family and like they were mentioning this bank's account its bank account had are you aware of that


ya uh I think ya that was a promotion when you first uh put in lah so yeah I just got a question for you here like if you were to receive a big windfall what would you


actually uh other than crying crying back to mum, mum and dad honestly no I mean cause, , I'm gonna obviously like if, time to change if we actually had to like start like putting our big girl pants on and like putting some money


aside and like actually think of like what what will happen in during this kind of situation like maybe like I have went through many like uh financial talks before and uh you see that you know put a play the the three four four all the like those ratio rules right like you put this certain amount there


this certain amount of your spending this certain amount for your for your expenditure you know what I mean, so let's say you earn let's say like uh let's take our workplace example let's say we're earning two hundred dollars from there per month alright, so let's say lah we put hundred dollar


for for our saving we got hundred dollar left right that is for our expenditure and like what we want to spend on whatever so if every month you were to do that right then like it will like I say ah five months down the road you will earn you will save five hundred ah you know what I mean so if let's say this windfall were to happen


you'll at least have some money to back you up mah, yeah so I mean that's what I learned lah throughout this talk I don't know if you heard this kind of talks before


okay, oh the one the the the credits that I told you about right ya so apparently that is like if I'm not wrong like besides this interest like you know how like sometimes in grab and like those like uh taxi hail services they tend to have this promotion with this certain bank


accounts only and it will annoy annoy me because like I don't hold that bank account you know what I mean, and I'm not old enough I'm not old enough you know what I mean ya it cause like finally I'm turning into this like young adult like twenty one years old and able to to sign up for this bank account and like but also when signing up for this bank account you have to have certain amount in your bank account also lah that's like one one K or something like that


I don't have that kind of money right now okay so but if if I were to have that money I will definitely go go ahead with it cause from what I heard from a lot of people, who who uses it and experience on it is actually a really good uh deal to like have that as your bank account with all the you know the advantages that you get the benefits


I mean have you ever thought ya like you know through a certain bank accounts have you ever experienced like uh like purchasing insurance products from banks if so like what are the types


uh in fact I do have insurance for myself with my family right now uh so it's like even like small cuts or burns like I could just like claim it, you know and like even if I'm not feeling well I ended up in a hospital hospitalised touch wood on that I'll I can still be I can still redeem back lah you know but it's certain


uh level you pay ah you pay like the highest highest insurance then like you get a highest benefit obviously have you ever thought of it purchasing in the future


<B>, uh okay sis I I'm sure that you had like an negative uh reviews about any places that you went in particular would you like to start the convo first


(mmhmm), ya


uh I have like if different items like uh electronics and gadgets you know like since I first got my actual iPhone in sec two or sec one it was, bottom was you know my friend had this go and like like he was selling it insiders got it for him


you know what I mean, and after awhile the first spoiled like what do you expect cause it's second hand right, and I only got it for fifty dollars so I can't say so much, so uh what what we did we went back to to my shop near my house back then and like we bought this like phone like temporary phone you know I remember was an Android phone


and it was quite pricey for a second hand phone because it wasn't that very new phone it was quite old in fact and was selling for about hundred fifty to to two hundred dollars which my parents didn't mind paying cause like you know they thought can lasted long but no uh what happened was like within the day the battery has


uh died on us and like we have to go back to the shop and like and shop say like oh you have to pay for this amount because of this but how can we because we just gotten our the phone the day before you know what I mean, and like the staff they were so rude I still remember like I will never go back to that shop you know even till this day if the shop still open I will never go back to the shop there cause like it was so rude it's just like one like you buy you buy lor you know what I mean that kind of attitude


oh you buy what you get lor you know that that typical like mindset that that that that rude seller had, so like yeah my uh my parents was like really like, like frantic about it like not buying from there but, because I needed a phone urgently cause like uh was for my school and stuff


so we had to buy from there again another phone which is a cheaper version and guess what it happened battery leak this time, and thankfully I was holding a prepaid card cause I didn't had to pay uh any money to replace that sim card right cause prepaid over just change number and ya


so that was a really bad service I still remember and my and then from then on like whatever kind of phone problems or what I will actually go to a proper phone shop not just the neighbourhood one cause certain neighbourhood shops like are really rude, like for example like I have this photocopier aunty back at my old place and she's very rude about it like you ask her to photocopy like


uh let's say photocopy, like your textbook ten pages, no colour, she'll repeat and you say yes, but then she say why cannot this page like you know what I mean like she will act like why cannot why this like asking pushing and poking like try to start a fight with you lah


like the way she do, so and she's very shouty person, and I like what I mentioned earlier like I've very, low tolerance with patience right so I actually like just walk out of the shop lah I do not really bother cause I like okay fine I have friends who has who has a printer anyways you know what I mean like


bye, and I left the sim it was even to me as a customer going there it's was very rude like even after going through like my education and the module like learning about customer service like I learned so much that this is very wrong not just wrong but it's very wrong


for for the customer to experience because you are not promoting that that that business customer relationship, yeah, for that's how I felt like how about you have you experienced anything in sort of very rude customer service at all


oh ya ya ya


this reminds me that time that I bought you that that fake jeffrey star lipstick rod karen sell to you remember


, and I didn't know it was fake like the person like was so determined saying it's like it's real it's real it's <B>, and you come back telling me that you have allergy reaction on your lips on your lips


(uh huh) I start with uh uh what, that was so horrifying cause I did it but did you did you know that I actually messaged back the Carousell person and say like uh did you know like what you told me is isn't true it's actually a fake product, I remember like I remember I had that conversation and I was like like like saying like like like you know maybe should like inform like oh other


buyers you know saying it's actually like it's fake it's not authentic like cause like, my friend had allergic reaction to it and it could cause danger to her health in a sense you know what I mean, ya and like I think she said okay but after that I read more reviews okay coming back afterwards like she's still saying that it's authentic


I was like oh no no no, okay what other experiences like for you any product aspect it was a no go for you like


I thought you say that lip balm was the best


(mmhmm)


alright like I mean okay move on !whoa! that was a product !wow! like for me I went through a service like a very bad service I remember another bad service I don't know why the most of the things that happened to me is always service and I headache, but ya so like uh last year uh I remember like me and my friends wanted to like enjoy the night like it was with sam as well like I told you about uh Farah wanted to have the night off so we had some drinks right so we booked this hotel at value thompson !wow! worst hotel I could ever booked I tell you


the reviews were like reviews was pretty okay we went there the rooms were okay we went in like like they just like treat you like you are in army like that okay uh you go here you go there, already had the first bad experience okay


maybe he was the door person you know what I mean maybe he was the door person okay go in already then like the person was like the shouting and all like okay ah after you sign this label ah, you cannot bring anyone else in because back in our head we like okay we want to sneak into another person in the room you know what I mean and usually hotels lets you let you invite one person in like you know what I mean cause like you're not gonna stay over mah you know what I mean or not


so, when uh when that happened right like Farah and my other friend Sha want to want to came in so they had to in the end book another hotel because like, they didn't let them come up to the room like fine okay like we get it reason why but then we were actually saying like why not we just cause the room is enough to hold four people


then we say why not we just pay that additional amount for that room for that for an addition two pax but we don't have to book another room, and like there's this another person who is like willing to let us pay but this particular manager was just a no like like but actually the other there's there's two managers one manager wanted to say okay can but this this manager's like no sorry cannot blah blah blah blah


fine we go upthere right but the was so bad right like you know at night the aircon was so cold right after booking two rooms like me and sam felt very cold so we wanted to increase the temperature right and but when we lower it right, oh my god the sound was


horrible like I don't know how this girl can still can still sleep sound soundly like she woke up for a while and adjust it back lah but I don't know how she can still sleep sound soundly cause I was sitting sleeping right in front of the aircon so I like that actually I told her like you know I abandoned the room I told her you know what I'm gonna go down I'm gonna I'm gonna get some hot milo and come back up


and ya and but the but overall the service was really bad like like I can't explain how bad it was where they were, really rude to the people there you know what I mean like no matter what I told what how many people are you uh how many people are going in or what, they like they just like pure rude cause like uh seem like the reviews are like fake you know what I mean because even the other people experienced it there and they left the hotel


ya and they got this another situation that happened like uh it was towards the end of the year uh when I told Azli for a staycation but you couldn't the one at uh Bugis the saint signature at Bugis beach like the hotel's in the in the website everything was so good the customer service is good no doubt


their their product no we are inside the room you know the the the walls right you know like you you dig your nose the nose uh the nose, thing they had it on the wall there like you know how like disgusted I was and like they were like like you know like there's very dirty like you know even like you don't even I'm not kidding I had am not kidding you can ask sam about it I'm not kidding it was so dirty you know like


!ew! ya she was what kind of hotel room has the sink outside the the bathroom, and and the sink water eh and, it's a hand washer but think but this this thing that water also dirty was


dirty and, and it was so bad like you know like we and the bed had stains on it like the bedsheet had stains on it and, and the fact that because we already paid for it so we like a bit we were searching for the the in the in that hotel room right all like sitting beside each other like the cleanest part of of the room and like searching for another hotel to them like


like thankfully that they were, like we didn't want to opt for another room cause we didn't want to explain the same thing again so in the end we just like out you know like saying like we want just want go for another hotel and stay and they kindly give us a hundred percent off which is a good thing but the negative part it was the product cause we never enter back went back there again


and true story another person actually went in and come out the same same timing as us, they said the same thing as us the room was uh dirty I think Ikma has a video of the room ya Ikma has a video of the room


like I thank but you know thankfully the the one that initially if I we were to stay that hotel my bed there, was actually pretty okay but for like the other side was, really like the the back the like, no there's no way I'm going to like do anything there and even like the the shower area right like cause it's a double decker bed you know a double decker bed if you sleep over right you can literally see like


a person inside there you know what I mean so you imagine if, I want to shower and like my friends like to play prank on me and then they do that you know how like you heard an invasive then imagine how, would someone feel in that room you know what I mean like let's say like it may have a camera or what I mean just saying it's a negative way a negative feel towards you know what I mean I don't know but ya that's really one bad hotel experience I had bad two hotel experiences how about you any experiences with any services


like at hotels or like of shops, or restaurants in fact


like each time do you go like do you still have to pay for the service or was it like a free thing


so okay so even how you like we buy a lot of thing from like shopee and lazada and and online but did any of the sellers like failed to meet your expectations of the products that you bought like the delivery time the value for money or anything


part two positive product review, okay uh sis what is your favourite bubble tea I'm pretty sure you have a lot of options for you


favourite brand and favourite drink and like how was your experience like


okay uh I don't fancy bubble teas as much as you though but if I had to choose one I would say actually I would say Koi yeah because it's uh it's really near my house, and I always have the best experience with them compared to any other outlets but coming from them like they are very kind and very like patient with explain to you what kind of drink is made like what ingredients are are there cause like you know like those seasonal drinks right


so I wanted to try this seasonal drink there this mango seasonal drink and like I'm, very, intrigued with this kind of things so I went to check it out and I went to ask like what's what's the ingredients inside and is it sweet and what's the winner on it so I will drink something that is someone's opinion would say no but they were really like


like saying that it's really nice very patient so I went to try it out right, and they also added the fact that you know if I were to spend this uh amount then can uh if I were to spend this amount all the time then I just sign up for the membership card the black card that I gave you for your birthday


ya so that so apparently if you get that right you can accumulate points and they were explaining to me how is the procedure goes like you can get you can accumulate points and can offset them as cash, you know ya so it's like it's I think it's pretty cool as a bubble tea shop doing it because like you know like we drink bubble tea very often at this time and age you know what I mean so if you were to keep doing that you kind of save money while you paying money


so it's a win win situation for both sides, yeah and and uh I think it's lifetime if I'm not wrong after you start using it's a lifetime already


ya ya it's really cool, and like the minimum top up also it's like quite okay it's ten dollars that's like three bubble teas that you you're paying for but but think about it right you you if you are for yourself you get to go three times after that you know what I mean


yeah whenever I want yeah just to go physical and like the queue is thankfully the queue is not always the longest because they have their own kiosk is you know what I mean, yeah so it uh yes you can


it's like cool super cool like I didn't I didn't know about it until this year I mean it's last year last uh late last year, yeah, ya I mean uh ya you were asking me something


your positive experience uh actually yes uh I recently went to this place called good vibes, uh I have yet to take you there yet and I wanted to take you there but our schedules don't collide but their service was so good it was our first time there like uh we went there like knowing nothing about the place you know we just know saw this TikTok and like okay let's go there just went there


go there we saw the food and like we're lost cause like there were so many good options of food you know and like the waitress there is just like like saying it this pasta has whatever ingredients inside like A to Z literally told us so ensure that if you're allergic to that ingredient you know you won't take the that pasta you know what I mean


so she was very fluent like she was very confident in the way she like she was very well known of the products that were served there uh even like she gave her really <B>


and on top of all that right like you know as a first-timer going there we went there and like after that after we ate everything right like we were so full but they was they still offer us free ice cream, and lava cake


and ya and all you have to do in exchange is just do a Google feedback form for them, yeah and the lava cake lava cake there costed ten dollar plus it was really worth it right it was so good a service that actually I went back there to a second time and third time again you know and I really liked the place the pasta there is really


good at and that's and the pasta is just at the top of my head at this point but even the bosses there and like the staff there are very kind they are very welcoming, they are very well known for their their products and ya I mean what more can you ask from them you know what I mean like you've know your products well is that there's the there's the top for any customers out there


ya and, I see that you'll buy you'll take care of your skin a lot like like during this kind of heaty weather you know this uh rainy stormy weather and all that uh what kind of, like daily routines or like like services that daily necessities that you would need to take care of this skin


ya like the daily necessities that you need and stuff like like what what are shops that you go to and how do they like like explain to you what product is good for your skin and all that


alright so they are very well knowledge of their own products and and there're different brands as well, !wow! damn that's damn good man especially like do you ever experience like I don't know if you're there with me but I was there like buying clothes right so I'm not the one of the most nicest fashion you know so


I so I think I was before meeting you and like I wanted to change shirt cause my shirt was, like horrible at that point of time, ya it was before meeting you so I went to pull and bear so I I I went around really the price range while I still remember the price range was below thirty dollars cause all I had to spend on a shirt that is branded branded to me you know what I mean


okay so I went around the whole shop and you know how like I don't like certain type of cuttings like you know cause it's too girly for me and stuff ya so I went I went to this person to ask like, uh can you just help me out if like if this designs something something like this but uh I want the cutting to be a little bit loose


so she then like gave me a few options and like she even mentioned that you know the cutting is quite big size so it's like good lah cause makes me feel small cause the size that I bought was small, so, so I ended up buying it right and the shirt that that I actually I bought was guns and roses that black shirt that


I had every time wear at the point of time do you remember, yeah, ya that was the shirt that was like, a sudden buy, ya ya I remember the service was so good because of how like knowledgeable that they know of the promotions and they were telling me like to come back at this timing because they had this like black friday sale I remember and like they told me like this specific time's good because like you avoid the crowd


and I took their advice for it and I went back there again like to that specific outlet I every time go back to that specific outlet just for it, ya it's either uh ya it's either always always this outlet nothing else it always buys times up my day


ya how about you like you know you you tend to buy like, a lot of personal care, cosmetics like perfumes especially so like where do you usually buy your perfumes from and how is the service


(mmhmm) yeah


but did you like recommend uh your friends to a certain sephora outlet because of their service


that's nice so anyways you know I couldn't travel during this time because of the pandemic and stuff right so I just wanted to bring up this experience like you know one time that though after seven years I told you I remembered travelling uh back to australia right


and the service on SIA was so incredible like I didn't expect them to be so patient you know what I mean cause my patience levels is very low so I don't know, expect them to be very mellow and very chill you know what I mean like even they you can see them like being irritated but you can't physically see them like the facial reaction change you know what I mean it was so impressive because they had this like kid like who's nonstop crying for a while and it


it was a toddler he wasn't just a a baby like it was a toddler and he was making noise because it was fussy for its food, alright like I remember the food was like something of a rice dish but the kid wanted like nuggets or something like that, right but the


but the staff there was so kind like they actually like went up and get a alternative like a kid's meal at the back where they could they could get you know what I mean like I don't know how they did it because like you know apparently it's like you pre-selected it mah, but I think they did they did an extra mile there and it was very impressive cause like everybody especially me I can't uh stand noise because I just want to sleep you know what I mean at that point of time it was a midnight flight by the way


so, ya so I still remember that and also like I had this like I have motion sickness so like taking up like airplanes also like makes me feel a bit woo woo woo here and there, so like I you know actually you're not to suppose to take out certain ornaments up to the plane because you're you are having is is for the safety ah


so I wasn't allowed to so I didn't even bring anything cause I know that I couldn't bring so I was like I was in the midst of like ready to puke and stuff, so but uh like I told you this particular lady just came up to me it's like just gave me this sweet and it worked like miracle like this ex sweet you know the black colour one the red ya she just gave me that and she's like ya like


I have it just in case of anyone who has motion sickness you know what I mean I'm like !whoa! like , like that's the service that I cause like she realised it I didn't even mentioned it to anyone like but she realised it that I was about to anytime you know what I mean, so that was like pretty cool cause like I didn't have to show any


gratitude towards it like I mean I just had to say like thank you for your service you know what I mean it was like one of the best pleasant service I've ever met and have you experienced something similar like that


oh yes, oh !wow!


ya you just I I can certainly feel your level of the load seated I can't do it as well but yeah you know uh you know recently I've been through this like staycations I've been I did recently went through a few staycations right and like the best hotel I've ever went to so far like actually was


this year during new year's was at hotel boss and dude their service was so good like I can't explain, but because you know the lobbies very big right and they have obviously they have a lot of stay staycation people coming in and fourth, so before booking the hotel like I had to call them and ask like are they like having anyone who is quarantined over there for my own safety and my friend's safety you know what I mean


so I was calling and I was asking I was like and they was like nope there's no one there such thing you know what I mean blah blah blah I went there so uh we went up to the room the view was a spectacle it will was one of the highest floor and one floor had about like forty rooms


and the room was quite big it was like if you seen how big my room is it's slightly it's it's even bigger than my room lah which is surprisingly because like I find my room is quite a decent sized but ya, so uh coming down cause like we were very hungry and like we couldn't sleep


so I, I remember we went down to the counter and ask you know how's the buffet meal right would you recommend it and like they actually were very kind and said that like you know honestly after the pandemic has come the food is not the best here like but, you can order it from this place they have this this discount that discount and and I took their word for it because my friend went for the buffet and I didn't I trusted their word


and my friend came back like wanting to order the food that I ordered, ya so like I mean their service was pretty good cause like we actually back uh like my friends drank, so like uh we made they they were quite a proper uh very messy there so we actually left a note saying that you know like sorry for the mess blah blah blah but we we try to get the the uh as much cleanliness as we could as from our hand


and like when we came back from the hotel room I remember like uh they left another note saying no it's a no it's alright no worries like you know like but thank you like you know like they still like, like thank us you know what I mean not a lot of people will thank us back cause like we did try our best to keep it as clean as possible you know what I mean and the beds was so clean it was smelled so fresh like laundry like that like just washed it's not like they just pick up and from the from the from the from the floor they just pick up from what you did you know what I mean they literally put a new sheet


okay rachel do you want discuss, I was looking at question twelve lah the opinions on the SRS scheme


that was implemented by the government, yes


(hmm), ya but I think I do see article saying that it's only for people who want uh tax relief because as what you say lah it's not really comparable to a lot of other methods of investing and


I guess there's some penalty if you were to want to withdraw it before your retirement age also, ya so, but actually , but you can only withdraw after sixty-five lah if not you will face like five percent penalty I think


eh but after you withdraw at after sixty-five right apparently you'll still be taxed one


like fifty percent of the withdraw amount, but if you were ya lor, ya


same actually my , ya ya ya, they only have a few a few ways to invest it unit trust, index funds blue chips


some endowment insurance plans and like what you say a fixed, maybe fixed fixed deposit and the saving bonds only


ah okay but what's the locking period for such endowment plan


okay so actually it's like those regular saving plan that we buy lah, or is it is there anything different


, okay understand


ya but I haven't open SRS account yet ya lor, but I guess, ya I guess, something else to discuss


oh no no I was thinking at, maybe we would go and invest oh about what about robo investors ah, compare to SRS, I think they can't really use robo investor in SRS right, okay


okay but for blue chip do I need to select, just like selecting stocks in that way, so for blue chip is it the same, or is there only one the same lah still a combination of things


ya cause recently I'm I'm also thinking of robo investors lah so I think it's also the same like selecting the product, and then just throwing like dollar cost averaging into it ya but I also don't know how I make my first step for that one lah


like compared to blue chips, ya lor compared to blue chips I don't really know what's the difference also


oh


kind of reading you know seedly ya the seedly review you know the platform so so people asking about robo investors about what they use, I think the, SYFE ah SYFE is that the NR platform I think quite a lot of people recommended that platform


and in to buy that what one hundred equities is it is there a name for it let me see ya, , ah


okay, , ya I saw the people they were writing quite a huge percentage change in their portfolio


true, oh okay, , okay so you want to do dollar cost averaging right would you recommend blue chips or would you recommend robo investors


but you can buy a same kind of product is it are these similar products actually, or it's totally different


ah okay, oh


, okay but I think


okay ah but I think blue chip doesn't hold your money for that long also right, , like compared to the you were saying for robo investors you can get your money out, like within a few days right, but for blue chips how does it work then


ah okay


okay maybe I should try haven't been trying all these , okay ya lor


, correct I think they say the cost is quite low for risk , not very sure about that,


, okay I think the next question is should I DIY or get a financial adviser to plan my finances well I think it really depend on


how motivated you are lah with planning your finances if like people like me uh not that motivated with regards to my finance so I probably need more advice from my financial adviser but my experience with financial adviser is that they will submit investment link plans


, ya so, , ya lah cause actually we do have our reservation towards financial linked plans ya so so I need I think ultimately I end up having to


google what is really more suitable for me and also like asking friends for, like perspective and reviews ya if not I will just blindly follow at the financial adviser already


I guess they're not as conservative lor they just throw in the lump sum of money, maybe hoping that it will do well maybe like Bitcoin right they just throw in one huge amount thinking that it will rise


but actually it goes down , , ya lor so just going in at the wrong time, without the information of the trend


cause ya, or is it because oh so he, until today he haven't pull out, I see


well do you think the same will happen for Bitcoin


if it drops then I will buy ya but it's quite stagnant for now, ya, yes still


ya lah, actually I already sowed my additional you know I throw in some more money right, when it was slightly fall so I raise slowly already, ya, ya I change it back to actually I change back SGD


ya because my brother was telling me faster sell it away, , (hmm), I will put in more if it's lower lah but now it's so stagnant


ya but the initial sum I put is still there , it just the additional one that I put in I took it out,


when it was forty or when it was forty-five lah, eh I got that day the highest was forty-five, but forty-one ah


then you went to buy when it's low lah, , that is good lah, ya cause when I was using the system hang ah so I cannot buy when it's low price that's why that's also why my brother said sell it now before it gets too high because my system will crash cause we don't use those apps that allow us to sell and buy at a fixed price you know at the price that we set


which is something that I think is a limitation, because you are fighting with people who have already set in a price that they want to sell or buy , ya that's why when it crash, like mine did during that time then it's a hassle lah


, ya and when the two platform don't sync up like mine that happened ya you can't even buy yourself I probably can sell but I can't buy


oh is it you oh you did on black file okay


ya, true true


!huh! true, I also never tell him you know when I sold I also didn't tell him cause I know ah (hmm) it's against what uh the advice was


ya lah I mean I was also a bit reluctant to sell, ya but you know I'm still very risk adverse so when people around me start to tell me eh you should be selling already how come you still holding on to it like you need to have an exit strategy right rather than keep holding and see it drop right


I mean , actually I don't really see the rational behind holding it for so long when you can sell and buy and sell and buy at the same time right


, ah but


but already made the money at the initial cut already what when you, ah ya lah that's true it's like you can never catch the right time , okay I think as long as we like earn sufficient amount I think we are contented we are not very greedy


, , is it, how come


the Tesla


you mean two thousand dollars of, of of what, [ho] oh okay


banker is questioned because they all pull out their money , okay I haven't, previously when I bought some stock I haven't even sell it off yet do you actually have an exit strategy ah


ya the few that I bought, ya but I only bought one that he said, the hub spot right, ya but I just bought that I I think I buy without exit strategy I just buy a whole ,


oh right I forgot the name it's some richards , if, if it's just a short term one I think it's fine rather at hold for long term right I think maybe he was referring to holding for a long term


, ya sorry I also cannot hear you for awhile ya hearing you are saying that maybe it's for short term like such vaccine companies


this actually


oh okay you want to share about story


did it to their manager or something


, , I think the same thing it will happen for most people, ya cause when you call in you have to wait a long time before it gets routed to a customer service because they ask you a lot of question press one or press two or press three ya so so that first stage it's already


uh very dreadful for us especially where you want to solve the problem at hand, but


, I think for me was I think my first bad, or negative customer experience was when we went to malaysia and our luggage got uh broken in two


so I have to wrote in to I think at that point it was Jetstar, ya so, ya we had a Penang trip so our luggage was broken in two ah when we reached Penang, so when I wrote in to Jetstar


they , as usual they said, they will, push the blame to you first because they will say you shouldn't have a valuable in your luggage in the first place , so they were not able to pinpoint where