ya ya sometimes maybe is not not that easy so I think maybe you know to avoid the whole drama that's why I am against having a joint account although that whatever you are saying sounds nice you know two people at the same understanding that this is strictly for the house, strictly for us you know when we if you want to buy something for ourselves uh you know to go travelling that we use that money from our joint account that's our


personal expenditure but, if it's going to be my personal expenditure you know I'm supposed to use my account that's in all well and good with that actually is the way, ya but from personal experience I won't I don't want to go through that whole headache again


then this is exactly what is happening to me right now until I actually get start start doing what I plan to it's just sitting my savings account and not benefiting at all, so but ya you know once I have plans so I'm just you know starts to studying a little bit more on it before I take the lead and no I don't have a high yield bank account or fixed deposit


okay you don't dig it, I, I actually have this uh idea or not idea I know it is actually a well known thing that you should have at least six months, deposit six months savings saved up in a bag that is fluid for a rainy day


so but that six months can be quite a, big amount so I actually I'm, I don't know what your thoughts are if you know let's say you have six months of your salary just calculate six months from your salary that is your savings for emergency day if you lose your job you know something happens you got those six months of savings are supposed to keep you going lah until you


get back on your feet this fluid money, which is not a a small sum would you keep it in a fixed deposit or would you keep it in just a normal account where, if something happens you are able to access it cause fixed deposit you are not able to take it out right


wait at what age wait at what age she's at sixteen is it


ya seventeen sounds about right I I don't have experience with uh I don't know when I will give my own son cause he's five years old right now uh but seventeen seems about right, uh sixteen maybe, maybe not


ya seventeen right before he goes to NS, no if he does go to NS as in at in in at eighteen or maybe if he studies he go later on but I think that's a good age to start slowly teaching them financial responsibility on, controlling your own taking in and you know putting in and taking out


seems about right ya so great


okay for cashback points or miles actually I don't understand this question because this question say which type of credit card do you think people should be using


because there is no one type of credit card that that works for all people in general uh it really depends on each person like somebody likes to travel if they fly a lot then ya you know they have to uh they would it would be best for them to pick a credit card that that gives them miles


so every time they spend they get you know points for miles and then at the end of the year or whenever they can actually use those miles to redeem towards their their airline tickets but if somebody doesn't travel then you know I cannot say that !hey! you should get a credit card for for miles


cause if you don't travel then you have to see what what type what do you do that you know your type your type of lifestyle which type of credit card would suit your lifestyle for me I have I have two uh one is cashback


and the and the other is points points uh the points go towards my my EZ-link, and so at I'll I'll accumulate all the points and then at one month if I feel I have a lot of points that month then every time my EZ-link gets deducted thirty dollars is auto deduction I just go redeem those points for thirty dollars so I don't pay anything basically


you know if deduct thirty dollars I redeem thirty dollars so the whole month I can travel for free


part three negative experience


food and beverage I cannot think of any at the moment, yes, financial services citibank terrible I will never recommenced citibank to anyone that I know uh I hold a a citibank credit card and you know when I compared it to american express the customer service it is totally


there is no standard at all


its customer service, ya me being uh a long time, citibank credit card holder, uh and I never had any problems with payment of my of my due amount or nothing in that of that sense no issues with late payments and nothing


so when I call them to make a request you know can you just, make the due date, the payment date later by a few days maybe a week because every time I get that statement, ya I don't have enough time to you know consolidate all my bills and sit down and actually scrutinise what I spend on and make the payment


K cause I'm it's it's it's I need more time uh after I get paid after my pay day I cannot immediately go and sit down into everything and get everything done sometimes I just don't have the time, so I call them I said can you postpone the due date by a week and the way the customer service representatives spoke to me on the phone and she was not a singaporean


was she was, she was speaking down to me it like I'm unable to pay, right and and and, I said I told her you look at my past history, have I ever made any late payments have I you know defaulted on my payments


and then she she didn't she didn't have that information with her so she took some time to go and check and then she came back to me and say oh ya you know you always paid on time and then you know the the way she was and the ya she was talking down to me like oh if I postponed it make sure you pay your bills on time and I got upset like who are you to say that to me I'm a customer


okay I'm not saying I'm not telling you to postpone because I cannot pay I'm telling postpone because I don't want to go past the due date and I need time to react, I'm not or I'm not so, free to sit down you know like a few days after my pay day and do it immediately no I I need my time you know to do it


so ya so ultimately it it it was done she did it but not before she talked down to me it made me feel like I wasn't a value customer after so many years


ya I will I will say I will only say bad things about citibank because of that experience, it was very bad and she was a manager I said can I speak to the manager she said I am the manager, so , ya and I'm I'm a nice


person on the phone even though I'm upset you know I don't scream and shout and demand like I've seen other people do I've never done that, so you know me being very polite on the phone, requesting what I need to request and she's talking down to me it makes me feel even worse


ya so that's my bad experience


but didn't they say that they will call you back you said that they said they'll call you back


different fish and co restaurants


that is very bad especially it's been two separate restaurants with two different negative experiences


that's very bad they should learn from american express, everyone should learn from american express ya


ya ya


ya I hate I hate those type of places where they make you feel that way, like I didn't come it if you think I'm coming to steal I'm going to shop at your at your store I'm going to spend my money at your place like you you gotta there's there has a way to they have to have a way to make people feel welcome while still being aware of what's going on in the store wide you know instead of staring at you with a


you know kind of accusing you before


ya I think at at at those at the point where you come to this type of a store ya I think is just time just turn around and walk back out save yourself the whole


that's a very bad standard than NTUC is keeping it NTUC being NTUC it's supposed to be a store for the people and economical, option of grocery shopping for the people


that that's that's your job and being a store for the people they they, you shouldn't even need to go and tell them you know or or even hear an excuse for them like is not my job, that's totally unacceptable


I wish there was a #sheng siong# near my place now, ya I'm actually I'm actually uh paying member of NTUC I think I'm just going to cancel my membership is like no use


further further than NTUC


ya some people have a robot mentality if you say A that means A, you say B that means B there is no being flexible so it's actually very difficult in the some of industries for if people are not flexible, ya


what other negative experiences can, do you think of I'm frantic


oh ya ah I've try a a face face, wash from the body shop many years ago and it was a experience that made me never want to buy another face wash from the body shop again because my face after using that that body that face wash


it, I think the I got some kind of rash or I got some kind of breakout, and, ya I think it was a scrub uh a face scrub


so that, at that time the face scrubs they had this little uh beads is it plastic beads or whatever that bead those beads are made of


I I don't know the plastic but there are some kind of beads uh, but several years later I heard that, the this company started out outlawing you the usage of those type of beads because those beads they do not deteriorate they do they do not decompose


so when they when you use them they go down into the drain and they just accumulate in the sewers you know they're they don't decompose so they outlawed using the, that that material I don't know what that material is called but ya maybe at that time when I use it they were using that type of material which was very harsh like you said


alright neutrogena ya similar to, to the body shop I suppose, angel, they they okay ah


ya no the connection the sound sounded bad and then I couldn't connect but now is connected again so okay we are okay


so you were saying neutrogena


part two positive experience


okay since you you are talking about meals supplements I shall also speak about the meals supplement that I am taking, uh, it is called Kinohimitsu superfood, it does the same thing that you are getting from doctor oat where it gives you you know it is made from like twenty two different types of grains and and


uh good stuff for your body uh keeps you full I mix mine with milk uh have that for dinner every night, so that way I, don't I'm not eating uh for dinner, if I do eat it will be not for dinner but


maybe some some some light bites before I have superfood like fruits or, or you know uh anything that I I I can find something nice to eat uh but not a heavy meal, so that that works for me it has been working for me for a number of months already ah I see I have absolutely no reason to switch brands because this is a very good brand I've nothing bad to say about it


okay I I don't, mix it with water I uh I do notice that with certain types of milks it doesn't, mix so well, so there are still it's so plumpy after you shake it and then you know you drink it it still big plumps but when I switched to a new milk different type of milk recently I realised it were it made it dissolved just fine you mix it there are no plump it's smooth but water water and


ya oat oat milk


I've not mix it with water so I do not know


very nice I tried doctor oat I liked it too it tasted nice but it didn't keep me as full as superfood does Kinohimitsu, , now that makes sense yes


I do or when it comes to, maybe I can speak about financial services, I have I have always, felt, very valued and every time I hang up the phone after speaking to the customer service representative it makes me feel very good inside and the company is American Express


so american express has a level of customer service that I think every company in singapore should try to reach, I'm I I'm coming from you know a similar not financial but you know I I deal with customers, and uh you know my my whole team deals with customers and I can say that


including me, and everyone I know and people that I interact on daily basis that I don't know I think everyone, should strive to reach that type of level that American Express gives in their customer service


it's something that's very you don't really come across on a daily basis so you know it's like a breath of fresh air


is it it do you feel this when you shopping at one #sheng siong# or do you does it happen at different #sheng siong# that you go to


with Uniqlo yes being returning an item that I did not have a receipt for because I didn't buy the item and the size was wrong, uh I brought to the store and you know they were they were, very accommodating


to say okay sure you know it in the the piece of clothing was a jacket that didn't even come from that store it came from a different uniqlo store


ya and the and Uniqlo sizes I always have a big praise for them because, they fit they fit the asian people for guys especially I think there are there are is a one stop shop it it works uh it's it's a very


nice experience to shop there you need to buy socks you need to buy boxers you need to buy short, you know anything pants jackets, sweaters t-shirts ya they have it all


and it and it's nice because the app you can or you can buy from the app and you can you know, click and I think it's called click click and collect or something like that where you pay for it you just have to go to the store pick up yourself and go, so if if you have already been to the store before you've tried things on but you didn't buy you can actually go back on the app just buy it they'll get it ready for you you go to the store you just pick it up and you go


ya, I think so I I think so ya


ya that's that's a very good service, ya national library is a good place, it's a good place good services good things, good system I would say, ya so that works


okay how about how about , have you been to any restaurants that that, you felt was a very good, dining experience


for me I like Starbucks, I think their their whole member member plan you know member uh system where if you you you pay using the member card or the app on the phone, it gives you points that you accumulate towards being uh like a gold member


you get uh more benefits like free drinks stuff like that so I think that's very good considering you know they're not the only coffee chain but they are coming up with innovative ways for their customer to benefit to enjoy in


I didn't know but their food always look so good is well presented in the in the display cases, in you know by the by the cash register it's always look it looks so nice, it is not , something that is looks cheap


ya and and I love it that Starbucks has actually, uh branched out into selling espresso and dolce gusto coffee pods and then we you know recently saw, uh instant starbucks coffee in a can where it's powder just like nescafe but it's Starbucks


ya and that coffee that instant coffee it take it doesn't taste bad at all it taste quite nice


the ya I mean if you buy those specific pods which they have for those machines, then you know I I love that how they branched out that you know different directions that way, ya so that's positive


that that's very similar to Timberland I also have that that same experience at Timberland where I bought a pair of shoes turns out that, I bought a pair a size too small, you know I already wore it out once so when you know I but of course when I return it I I did my part to clean it as much as I can with a toothbrush and soap I scrub it down you know got it nice and white and clean and then I brought it back to the store


they thought that I didn't have a receipt and they were all they were still going to change it for me and get me a size then I said no I actually have the receipt right here and oh they said oh okay so they took it they change it for me, no questions asked ya it was very positive and I like all the staff at Timberland I bought a few items from Timberland and every time they've always been nice and accommodating and helped me if I need help


so, without without complaining or showing me that they don't like it that I'm asking them so many time for different sizes


ya very accommodating accommodating people that that, I guess it depends on the company's culture too, ya, I have I have been to places that I have negative but you know so not every store I think it's the same


ya and the the store behind in my place too neighborhood store, they are they're very accommodating I've seen them to give to other people like you know !hey! oh you don't have money okay I'll write write it down in a book come back and pay me the next time so I've seen seen them do that so


ya I guess it'd be a neighborhood long enough


part one finance


okay do you have a saving account, yes I have it's a normal saving accounts and also a a a


a, DBS saving plus account too, yes POSB POSB is the main thing right that that that's the


the main bank account that everybody has, yes correct so that's why I also decided on


yes do you have a credit


I never had a credit, card, never only have debit ever since I started working it's all the while because I I don't I I don't have a good uh outlook on credit because once you start to have credit card then probably you would start spending so much so that that's the reason that I didn't want to have a credit card


, at at what age should a child be given an ATM card to manage their own bank account I for me it's it uh until probably they're eighteen years old


then they will have the , the discipline to to handle their own card, debit card to spend and all that because they'll be in a tertiary uh education already


they uh for me is you can have a joint account but you also need to have your own personal account on top of that it doesn't mean that you just have


uh but having a joint account maybe they can just put aside, some of the, the the fixed amount that they can actually plan for some holiday with the family or some uh events and all that so that helps with the joint account right


yes correct


no cashback cashback is a better option, no , because sometimes , uh, ya and I I just find that uh cashback is much more useful


at least they will actually credit back into your account right instead of you have points and then you just overlook to claim your points and stuff


uh yes I do have, they do but then I always I I I always reject their insurance ideas because I already have my own insurance plan from other


if I don't have then maybe I might but I already have the thing is I think every , every singaporean probably they will already have their own uh insurance from some


yup do you have any investment uh from the bank any investment products


no I don't have any investments with the bank , uh nope uh maybe I might have because I invested my my CPF so in that way it's linked to my uh one of the banks but it's not my direct bank linked to another bank so yup


so at the end of the day it's another broker that's helping me to to check on all the investments and stuff, have you got any loan from the bank


okay I I I've never I don't have an experience of having a loan from the bank, because from what I know is I just find their interest rate is like not fixed, I understand that sometimes it just goes up and down up and down so


I I I I dare not, take a risk in taking a bank loan


what do you look out for when buying an insurance policy


do you see insurance as an essential expenditure, as essential expenditure


yes yes agree because , uh it's, yes so it's it it is an essential expenditure to have an insurance, I mean it's a must


not really


oh okay okay okay so what kind of insurance is essential for people of our age what's your


for me I think it's , I will say is medical because now it's like for women especially you don't know when, , uh breast cancer is like is so common cervical cancer is also so common so


it's always best to have uh medical insurance coverage, especially this age, yes correct because uh mid-thirties forties is is when you you really need the insurance and also I think another insurance is also travel insurance do you have travel insurance


ya uh I have friends who actually buy insurance only when they're traveling, only for travelling yup, yes , uh I normally buy insurance, the moment when my child is born for them we start on that


ya because uh once they grow up to a certain age they also need that that amount for their education higher education


so uh do you do you have insurance for buying a property or stuff is there one


oh ya especially those old properties right, what's your thought on CPF contribution


for me I just feel that it's, it does have its pros and cons


the pro is the good thing about CPF contribution is we can get a house, as a singaporean we we have our money safe there and we can use it to buy a house


I use my CPF for my investment, yes I'm a housewife so I I don't have any contribution for now so whatever that I have I'm using it for my investment through my uh financial consultant so she's helping me to invest my CPF


, uh I used to work before previously so all those contributions that saved up


yes correct, what advice would you give to someone in order to retire comfortably


uh one financial advice that I would give, to me five years ago, , I think I did a good job in, in uh starting my savings


uh savings plan, insurance five years ago because I think I've got some savings amount there that's just being saved in case of any rainy days that I need that amount


what is the one financial advice that you would give to yourself five years ago


uh yeah like I said I have another savings account tagged to my bank account so, it's, uh ya my goal is I save and then I go and spend it for holiday ,


yes ya


part three negative experience


okay so do you have a moment with when you have a negative experience with a customer service agent


uh I don't have, I I so far I did not have a negative experience , for this


okay


I I never had any bad experience , uh no not that I remember of uh


uh not in singapore maybe in overseas I I've had bad experience, in a restaurant because the ratings they they give us for example we we went to thailand and then uh we went to a restaurant to have a steak


and uh the rating was, very good it was uh the the reviews about this restaurant their dishes were so good that we actually took about an hour to travel from town, to the to the restaurant


but when we ended up there, the ambience was bad the service was bad, and even the the the the, dish that we ordered, we had to we had to repeatedly tell them I think two to three times


uh to do it in the perfection for according to our tastes but it still came up uh bad so, uh that was the only uh bad experience bad dining experience I would say that I remember having


ya it was recommended by my friends and it was also an online review that they saw , so uh we went we went with, the group of friends so, and when we went there to find out it just was as very bad


, but like I say it's overseas so, the the people had difficulty communicating with us and I don't think we they actually understood, what we were trying to tell them about the dish and stuff so we just ya there was a language barrier so we realised that it's just a waste of time for us to be


uh telling them, ya so I think that was the only bad experience that I remember other than that


uh, uh no I only feedback to my friend who actually gave me the feedback because I directly I had to feedback to her because she was the one who recommended strongly that this place is good for their steak and stuff


ya uh I I'm so far I'm, I didn't I've not rated my experience for this uh restaurants and food stuff so far though I have my own social media platform I don't do that


because , everybody got different experience you see I mean for for what for me that it may be a good dish but for another person it may not be so I just believe that I I'm not a person who will give a review a critique and stuff so I taste I like it I keep it to myself


but it's just that this overseas experience was quite bad for us because it was a huge , disappointment because we took hours to travel to the restaurant and all we got was,


yes correct


oh uh I'm a I'm a ardent fan of M one, ever since I I got my mobile line (ppc), (ppc) it's always been M one because I find that M one services is top-notch, and uh


uh no because now they got an app so any problem I can just go to the app, I if I want to renew my contract I can go to the app and do it, and the app it uh, by by doing everything on the app it tells me whether I'm eligible to renew or am I not eligible how many months more do I have left and stuff so I don't need to call


and if really I badly need to talk to a customer service officer I just go down to the app on my phone I just fill in my details and my requests and I'll just get a call the next moment probably in the in the day itself , ya so that's why I preferred M one service over singtel and starhub since since those days


ya that's the thing uh the thing about M one is I when I actually sent them the request right they return my call and uh I


I did have an experience with starhub before uh I just find that they put us on hold for so long and it just test our patience by waiting for so long


ya correct I did have an experience with starhub ya I did have an experience with starhub last time very long ago when I'm still living with my mom, uh because the cable TV was not, working and


uh I think the the box had some connection with the wiring stuff so when I actually called them I had to wait on on the phone for at least about half an hour before the, uh the agent actually took my call, and then he will he actually transfer my call to the technical side where they were helping me to troubleshoot with the phone


but I still couldn't get the problem sorted out and my mom wasn't able to watch her her drama serials and stuff so, I was getting so impatient that I had to to tell the customer service agent to send down their people to check physically at my unit instead of getting me to troubleshoot because I told them that I'm not a


IT person and I do not know how to to troubleshoot this things now so it'll be best that if can they they can send someone down and when I told them that, the thing they gave me was oh the next appointment available is probably uh two days time or in a week's time so that's what really made me very angry because they are charging me every day and my mum watches TV everyday so


when they giving me an appointment slot a week later so we're not going to watch the the cable vision for the one week so are they going to uh to subsidise that that one week that we're not going to watch, so when I actually posted this question to them they were like ah no we don't do that you know stuff and blah blah so


, it it quite uh piss me off with that so when I actually told them that I want to terminate their subscription because they are not offering me a solution and the next moment they say they will send their man down to check the technical problem


ya exactly it's it's like you it's more like I've I find myself like a loan shark you know threatening them oh if you don't come down you know I'm going to do something about it is like that


correct I mean I'm I'm I wouldn't blame the customer service agent because they are just the front line operators so the back end we don't know what's happening and how they are actually


yes true so I think probably this telco places they need to sort out this problem I'm sure there are some people who are still facing all this, kind of uh uh connection problem


I think I think it's not even telco lines it's every other agencies are also doing that even if you call the banks they also have this problem you got to be on hold and , even okay I used to work in a shipping firm so uh even our shipping company also they have to go through this operator system the hotline and stuff before they can actually talk to a customer service officer


correct true it's all through the phone and then when you wait you just lose your patience waiting for somebody to actually answer


part two positive experience


describe a time when you order a product from a E commerce, , okay I've never tried Lazada Shopee or Taobao, I've tried Carousell, and my


favourite platform is Qoo ten so, so far Carousell and Qoo ten has been very good because , I I I look for second-hand products from Carousell, uh like uh


the baby seat baby chair bumper seats all that when I had my baby, because I didn't want to buy brand new since she will outgrow it (ppc) so , it's quite user-friendly and safe


because I just chat with the relevant sellers and then, I we just discuss when to meet up where to meet up and then uh face-to-face we meet up and exchange the products and then, that's it we I'll just do a PayNow to them to settle the payment for Carousell


for Qoo ten , I think Qoo ten the products are quite reasonable priced, compared to other platforms I don't know it's a bit cheaper , and it's also faster in delivery, and uh usually it's about two days and then uh I get the items


and uh, for example just recently I ordered a pen for my kids they they wanted writing pens I didn't have the time to, go down to Popular Bookstore so I just ordered online and the quality is also the same quality as what you find in bookshops


do you use uh this kind of E commerce platform


ya ya ya that's yes


ya correct that's true unless we we really have the time to go down to some cake shop to look through the catalog


uh ya I think most of the time is always online we go online, to check or rather I have an app where I actually book the hotels on the app, yes correct and then uh then the


flights is we also look for the flight and all that it's all uh, through the booking app we book , yes because I think there's some


uh I think , I've been to Malaysia and Thailand, and it's quite reliable also to book through the booking app because you you see you get what you see on the app so, I wouldn't say that oh I was cheated of the hotel facilities and stuff no is is just what is there we get it


ya ya the facilities are quite good also


so also through the app is it, okay okay okay


(mmhmm) okay okay, ya I I find that , for now technology has improved so much that these apps actually provide us more than what a booking agent can give us in fact


uh no I I sign up with , yoga, class which is the platinum yoga I sign up with them, for a one year membership, I didn't do a gym membership, I


I I find they're quite good because uh, I'm I'm not a gym person if you ask me so in yoga at least it's , we get to do it in a group and of course now due to the restriction and all that there's always limited number of people in the studio so uh and I got some freebies and stuff free classes free online classes and stuff


since I did a one year membership, and uh I can just book anytime I want to go it's like it doesn't restrict me like how long should I uh be there or not, uh in a day I can book three four classes so and the location is also quite good for me it's just nearby my place


uh well it's always uh better if you have a instructor to actually give you the proper instructions on how to


to to do your posture and stuff ya and the movement, unless I'm really qualified instructor then it's different but I'm not so, I rather have a instructor to tell me what to do and how am I doing it right or wrong you see and the place is quite clean and uh we we have a sanitizing policy where after every before every use of the yoga mat and after every use we still got to sanitize the place so


quite clean and yup safe to do you do you have any membership


no it's not it's just a one year membership every year I need to renew, , no I pay upfront for one year and then


ya can say lah but then uh they they also covered, us that in a way that they will definitely give us back if they're going to shut down but I don't think this yoga centre will shutdown operating for so many years here


I think I I I buy, smartphones only my phone I uh , every two years I renew my plan and then I get a new phone, of course it's iPhone


, ya I'm used to using iPhone and it's quite easy and my laptops are all with the iPhone software so it's easier for me to to transfer my data and all that, I'm not


ya I find iPhone is better than the rest I I


my mum is using another smartphone but I just don't find it user-friendly probably because I'm so used to using iPhone for so many years ten over years


ya do you have any uh watch all that you know the one that's tagged to your phones and stuff , they call it the I watch is it do you have that


no I'm a I'm a G-Shock fan so I don't look into I watch , , sometimes not often I'm not a movie buff on full if only I have the time then I'll watch


oh uh recently I purchased the massage gun from, it ya uh it's quite a good product actually I bought it after my friend recommended, due to all the my friend used to go gym


so he says that he's he's using the massage gun to help his sore muscles and all that, so I bought it uh it's, it's quite a good product to use especially when you're a exercise freak you know just to ease the muscle tensions and stuff


instead of going for a massage parlour you you get a massage gun to actually uh soothe your muscles, ya correct, , yes uh so uh this one is a very good product I actually recommended it to two of my friends and then they also got it the massage guns


ya is is usually word of mouth you know when one person purchased it and then they use it they find that it's is so useful to them that they've used the product they find it uh convenient for them and convincing


yes correct, yup so it's usually word of mouth it's it's


a quite good deal for people to actually purchase a product if they wanna try it, do you do you have anything that you would, recommend to people did you buy anything


yes yes I've I've recommended restaurants to my friends too, uh it's all online I we look at online and then (ppc) it's word of mouth we have I got some friends who're actually ordered online uh bakeries from


people who are selling it and uh this uh social medias, yes correct they have their own social medias uh to to publicise and then uh


yes correct is home baking uh uh product so uh it's nice to help people with this kind of experience and this kind of skill so they also get their business through us and is safe


ya true I think social media helps


ya true true


saving accounts ya of course I have a saving accounts I believe everybody has a saving accounts I believe you have a saving accounts too right


typically when I hear saving accounts I always think of POSB do you have that too, ya because I think when I think POSB account I always think there's no deposits so easy for me to go and and just apply for it


right, okay I think this this no brainer I think I I guess everybody have a saving account in otherwise in singapore we can't really operate, uh without a saving account at least right uh


okay that's a good question I used to have a lot of credit accounts, and, I never really thought of debit accounts, but of course after I got married uh, uh then I I reconsider because credit always have a lot of outstanding payments to make


and I have no financial control so finally I decided to switch to debit card what about you


ya I think that's a good practice because I, I did overspend quite a bit for awhile for credit account and I also struggled awhile uh to settle all my credit bills


idea but then that depends also of course if there're uh, is still locally uh with their parents and all that I think is alright, but of course if they're outstation, I think they, the minimum they should be able to use is, the facilities to operate their own ATM card


uh but of course the age I think should be at least, in their, uh late mid late mid teens which is about fifteen to, sixteen then let's let's, discuss a bit more about what do you think about, joint account with your


spouses or, uh why do we need to have a joint account I mean today uh everybody thinks that they can manage their own finances right why do you think that


uh yes maybe it does okay but I never thought of joint account until I was trying to sell my flat and then they said they'll need to deposit the money to both uh the spouses then that's when I, first set up a joint account with my spouse


okay so I think maybe in that sense uh anything related to uh, family account I think joint account will be a good idea, and ya


okay normally uh when uh cause we we don't really have credit cards but, even for credit card what do you think will be a, a good uh payback in terms of


is it a cashback better option or miles or, uh you don't , okay uh ya uh


ya I mean to me uh I think its better than the cash itself ah right because the points I still got to facilitate the, uh, the point systems and also miles have to go and factor in all this uh, when can I fly when can I use it you know, so I think cash will be more straightforward right


, okay so do you have insurance, okay I mean uh, I mean do you normally go to the banks to buy insurance or does the banks call you up to get an insurance


what if you don't have would you consider those calls


if you don't have insurance account today would you consider those calls coming from the bank


ya so because I think the banks also come in quite late right because before before before the bank calls most of us already have insurance, I think those uh insurance agents are very active, I think you go to any MRT stations you're always blocked


uh by all these insurance agents which probably are more aggressive in getting our uh insurance to be made, okay for for investments bank not really so even this I go through some brokers okay so what I do is I


I I basically open a bank account that's required to facilitate some of it but mainly I go through brokers to handle all my


but do you like even have some investment linked account through insurance and all that


previously I did have a loan I mean not so much of, uh is is, basically together with my dad when I have my previous home, and uh, the uncertainty I have about bank loans is when the interest rates start to fluctuate so so is difficult for me do planning


uh so so I have to even, be prepared I must be prepared for higher interest rates, okay so of course when I purchase my flat I, tried my best to stick to HDB loan, which is pretty much standard uh which is


it could be higher uh for a start uh compared to, uh, to so called the some of the banks that provide the interest rate at normally even at one percent for a start, but then I think, at least I can plan with HDB flat rate of two point six


ya some more I'm not too familiar with the refinancing so that doesn't really helps me to manage my interest rate also, so probably if a bit more of, uh clarity in these aspect then probably it will be a good idea even to take


what do I look out for buying insurance policies, okay so for insurance policy number one I want to make sure that the


the value of uh coverage is high, okay some more since I'm a family man uh, uh with four kids and, a wife right now so probably I want to make sure that, uh they're pretty much covered, if there's anything uh were to happen to me


okay so I I go for the term to cover the, the value for the insurance uh, uh that's my primary of course other than that the next one will be the health, okay so health I will make sure that we are adequately covered from hospitalisation


for the whole family and also for some major illness or critical illnesses and if I can spare a bit more money then I start looking at some endowment funds but of course this is not my favourite because I think there's always a better way of uh investing my money rather than through


yes of course its essential I think everybody should put that some of their money because uncertainty is out there and of course


ya I mean, I believe we never know when things happen and we may not have all the uh savings to cover all these uh, a good good example will be your hospital bills


but do you had do you rarely was caught in any of this situation where where you wish you have insurance instead rather than having to fork out the hospital bills


okay so I have a lot of friends who caught in a situation where the bills go up to thirty forty K and, and they don't know what to do because they never actually


uh of course I'm I'm moving towards I'm already in the fifties early fifties so of course I want to make sure I have enough term insurance to cover uh for my family needs


I think hopefully one day it'll become some mandatory requirement for us to have some, form of insurance for everybody


okay normally travel insurance I'm a bit skeptical because I always assume that things are safe, and, and I always thinks that everything runs smoothly everywhere in the world, so probably I've never thought that I'd be caught, but I think definitely it will help because I did experience once when I was travelling to USA


I was, we were caught in this uh, airport because of snow, and then we couldn't travel so we almost stranded there for one, almost a day uh and, some of our belongings are in some flights, so I think if we had a travel insurance probably we could have get some help from that


oh only for traveling so they at least find it good lah right


ya I I agree with that I mean normally is, more for savings or, so you kind of discipline yourself lah right


ya I mean specifically I, I I, don't see that but then uh it becomes a background savings for them without my own knowledge sometimes cause most of the payment today I GIRO so you, you don't really see the money going away physically from the wallet


so you just let it go through the background, and this uh will be a good surprise when the time is right when they have to use that money for their education and all that so so probably I let it runs in the background uh stocks I'm not clear


but then for property yes uh, to cover the mortgage loan mainly, and other than that uh for household insurance, uh besides fire, uh we also buy insurance for uh household


uh products coverage, I mean event if there is a breakage, or even robbery or even there's a fire that uh, damage some of our own personal properties, uh valuables ya, not sure the gold will melt in the fire but even if it did then we can


get some coverage from that , do you keep gold at home


CPF contributions, I think that's that's, that's a good thing which the government has rolled out actually , I think CPF is uh


uh okay I think is more that, okay uh good that they open up the opportunity for us to purchase a house, but I think most importantly is a forced saving, uh, forced because uh we can actually , I mean normally we tend to spend everything that we have


unless we're quite disciplined, so in a way this CPF comes as a something that is being enforced, uh so we have no choice but of course it also facilitate us in our purchase of the houses


okay uh then what about you do you use your CPF for any other things besides uh, your investments okay


but you were saying that you're a housewife how do you have insurance I mean how do you have CPF money, okay so at least you know that even if you don't work you still have this money that is uh working for you lah right the interest rate and all that which I think is helping to build up your basic


I think they should have at least,


okay let's say depending if I'm retiring if I don't have the burden, to to take care of my kids, probably I think I need a monthly at least about two thousand, at this stage ya so manage my own expenses ya


and uh of course assuming that I have settled all my housing loans by then, uh, ya so I think that's important so before we retire we should plan for all the, housing loans be completed so that we need to only take care of the, daily expenses monthly, expenses, so this will be good in that


five years ago probably is to start investing, my money and to invest it wisely and that try to put up some money uh, so that I can at least grow small uh, uh not necessarily I mean of course is not strike big but at least


it's just have to grow gradually so that's where I started to look more into investment opportunities , what about you do you have any habit uh saving habits


okay so it's a short-term saving plans ah not so much for retirement, okay so so so you're saying that you're a a, you're taking care of the household, and how do you get yours


okay that's a good way to get an income right okay so I think uh you must be prudent on that lah right


part three negative experience


oh my biggest negative experience I can tell you is when I sign up for a time travel, it haunted me for many many years, okay so uh have have you have you heard of time travel, of travel package


okay or time, okay so basically uh what we do is we we try to buy a, a time for some of the facilities or vacations, uh overseas, okay let's say I buy a


a one week uh, package for a year, in Phuket, okay so I pay a a package a membership fee so I will have one year one week every year, uh to, to spend on this uh holiday


of course I can always uh rent it out if I choose not to send, stay there , or if I, choose to , trade it with another holiday I can do that, okay so it was a quite a, attractive thing at first to me !wow!


because this, these agents are quite uh, good with their marketing strategy so they actually come and tell me uh let's say if you go for holiday which part of the holiday is really the most, expensive portion, and of course we will start to talk about accommodation and depends on what kind of accommodation we want is it a five star accommodation or not so from talking through this conversation they they


we, actually walking through what do they want us to purchase so then we say holidays they say ya in that case you should spend a a decent amount for your holiday package and then you can use it for your lifetime or uh with a small membership fee so I thought it was a good idea so I tried to


I bought a membership actually, so what happens is, after that uh, once I purchased it I find that, the service is really bad in a sense that I cannot book, the time that I want because normally our holidays do coincide with most people wants to go holiday


so I can't even get, the, rooms that I book in or, I can't even confirm it so at the at the end of the day I have not even use a single part of my own membership, so, as year pass by and then uh in in


I was still caught in the, situation that I still got to be a yearly membership subscription, and then, when you go to the office then they say oh maybe uh if this package is not good would you want to upgrade so that you have more flexibility so I was a bit foolish at that time when I was young so I top up some thousands of dollars so that I can make the membership more robust


but at the end of the day I find that I caught into deeper into the problems because it never seems to help me to make it even better, do you have similar experience Tahira


after being cheated in that sense right I mean, I also find out from the social media and also the news that this time travel uh really a lot of people have uh similar problems, okay and some of the company that set it up also may not be genuine as they claimed to be


okay so some more travel and all these , holiday is such a, is such a big thing so we not we're not too sure who is a real agent and who is not, so we become a bit skeptical so so today I, I only plan


to pay for what I'm ready for and go for it, so that's why this all online experience is really helpful in that sense as a valuable lesson I have to pay, uh in order to realise this today, what about you besides this do you do you have any bad experience


some of the restaurants that you went, there and then you, you disappointed with some of the services


so this wasn't something which was recommended by your by your friends or anything


the language barrier, uh I don't think I will do that I don't think I will travel hours just to get to somewhere which, based on online review ah


, but you were saying that some of your friends recommended maybe the popularity should have dropped by, but when when you experience this did you uh actually provided some negative feedback on the website or anything


ya you could probably helped others by putting it in the website


I can understand could be quite a bad experience, okay I mean at least this is not, so bad I mean at least is ad hoc experience right wait what about some of the services that you expect which is establish and still not fulfilling our needs for example some of our


singtel services or, starhub services the online services that, when we have a problem we try to call them, I really sometimes can't take it whenever I have a problem even recently I want to renew my subscription calling through the phones


while they put me on hold until I don't know why am I going through this


but did did you have to be put on hold when you call there


there the problem I sometimes have with app is because some of the terms and conditions might not be as clear as it is meant to be so that's why I I sometimes feel good to have a clarification with the operators themselves


but ironically I mean uh, I mean ironically if you go down even to their, , to their stations I mean even the singtel, at least their service there is better but then when come to online services I think they can do a lot to improving in it


because I mentioned earlier we we are moving fast and productivity and then we cannot be possibly calling them and hanging onto the phone for hours until we lose patience and then the worst case is with the operators are not available and start all over again and then key in our


membership number key in our phone number or NRIC number and it takes like forever , okay so these are some of the things that I hope they can


so it seems like we have to go to extreme measures before they can take any action


which we don't think a a so-called established, telco networks should be doing that right they should be professional enough to properly address all the possible queries that we, may have, and then they I think they probably should


but sometimes in a fury we might end up raising our voice on them, actually this is a good point I mean uh I mean whenever when we go and address a front liners people assume that we're attacking them but actually we are not we are actually uh uh addressing the organization which is not running the


operations well enough, or satisfactory enough or the customers to you even hospitals today, I mean there's a lot of uh queries about uh, we're trying to, be harsh to the front liners but we're not actually we just don't understand why the systems are not


uh running smoothly and today I always when I have a go for such problems and I don't think I want to vent my anger on this uh, uh so called front liners I always address it to the managers I'll try to get a managers on the line or even come call for the managers to approach me so that I can uh at least rationalise with them my concerns so that they be in a better position to help


and also take the problems back so probably most of us are trying to do that we trying to uh get the , the organisation to understand so is is not right for such a organisation also think that the, customers abusing their people but we are not doing that it should reflect on why is such thing happening is it because of the operation system not set up well is it because they're not addressing the problem that is become a recurring problem today you go to


telco or even you call the telco line today you can try you still be waiting and nobody gets through and then probably you need to do two to three attempts and then get through, if at restaurants are also


okay normally normally I see banks and telco are, are the two biggest organisation that probably established this uh so-called , protocol to have a conversation through, phones to address some of the needs


and today I think they push it all to, uh robots to the point that it's no longer interesting to even call them or even want to have a problems addressed


banks likewise ah today there's so many functions of the bank that we don't know who can address which and then once when we happily reach one operator sorry we don't handle this maybe you can try calling this number and sometime they don't even put it through and then they expect you to call again and then we go through another cycle of it


I seldom use all these I mean of course if it's trivial matter things like you know uh small item, things that not uh taking up too much of, my cost then probably I'll just buy it offhand, uh, and in fact I've not set up put any real accounts so probably I get my wife to help me to purchase some of


this, but I mean for those uh expensive item I still prefer to go down to shopping centres really look and feel and, ya so so that's where I normally do, but I think generally uh in terms of uh E commerce platform are quite reliable these days


and I think I normally get what I get but of course like cakes and all that we, with all the all online deliveries lah


okay so I also do there's, so which, which holidays have you been, to before, that really that you enjoyed


uh what about the holiday itself I mean after you have like, subscribe to it and, did you enjoy your holidays how's the rooms, I think the best one I I I enjoyed was uh W hotel in Malaysia that


I went with my wife I think the hotel, it's really good it's really uh, almost six star I would say okay, the moment we stepped in the fragrance of, the hotel ya of course , okay I mean I have the opportunity to look through


uh various uh hotel rather than depending on agent to help me to facilitate one or two okay so with that, short write ups on all that we we actually went to this, uh hotel uh in Malaysia itself W hotel I feel like, I'm uh


somebody important like VIP, the moment I stepped in the fragrance, through the hotel was good the service was excellent and then we were wowed by the the facilities there, the rooms especially was really uh, it's not those traditional kind of rooms


it was a with a art element in it to make it look very interesting and also uh create some curiosity for you to, explore a bit in the hotel room itself, and of course uh the view was pretty good although we are, overseeing a a cemetery nearby was but that's a lot of tranquility in it


uh so, kind of a nice experience though


uh any exercise


I mean what's so special about this yoga uh, facilities that you sign up for I mean you can do yoga from home


okay I think probably uh one of the reason you also have yoga in these uh facilities is because you have some peace of time right , if you were to do it at home you might be distracted by other things, and other bit, ya they might not be focused so that's the reason why I also joined gym


uh of course I can work out at home if I want to but I just couldn't find the right time slot , and the focus to work out anything uh, because I always find there's more important things to do when I'm at home, uh so that's why when having a gym membership it becomes a bit religious about going to


uh have a workout and then you stay focus for that good uh one hour when you're at the gym, and of course uh you also get motivated to see the people actually taking care of their body and also want to workout and of course I first started off with uh california


membership which I think is quite established in singapore uh, uh ya that's the sad thing about it I mean that's the thing about membership because I signed up for lifetime membership and what happens is they decided to close down and and


I mean of course fortunate for me that they closed after I became a member for a reasonable of time which I quite enjoyed or, the facilities fair bit but for those people who signed up for lifetime membership and, when the company goes bust


uh, shortly after that there that's where the membership sours the relationships sours with all the members, so I think that's the problem when we have with membership cause you're not too sure how how transparent are these uh organizations, uh when they handle our membership and and the


amount of money that we already paid them, I think we have similar problem for beauty parlours and all the other, uh other facilities right, okay but of course now I still think that gym is important for me so that's why I switched to another uh


fitness first which I think they have a better uh model in my opinion, uh because they do a monthly subscription, which I think is reasonable and I also think it helps the company to stay afloat, in terms of cash flow and also,


uh it makes makes uh financial sense for both myself and also for the, uh, uh fitness centers who operating it, so I think it's important for us also to realise that uh just not to not to be too happy to just pay a lifetime membership


and then after that not sure that how long the company will last, okay so your yoga is it a lifetime membership, ya okay so but you're still paying it upfront or you're paying it on a monthly basis


okay so even in this that is a risk of losing this uh, so this kind of model normally it will affect, us because let's say if the yoga shuts down in another two to three months there goes your money right


okay but I think it's a good for them to have some insurance plan uh to be embedded in all these membership so that at least we can get some payback uh in the event that they run bust, what you think, what about like watches smart phones do you still go


so you also use I use iPhones too I think it's a great phone, , okay besides the


beside the easy ease ease of transferring all this information, uh, do you think that iPhone


okay to me I mean I wouldn't mind switching but I find that iPhone, uh doesn't give me any problems and thus reliability is quite good and, then uh in terms of the interface is quite smooth and, I I'm quite comfortable with that of course if you give us me problem then I'll start exploring uh looking for other phones probably


oh I don't have I watch because, to me I have


having I watch I don't, think I can effectively use it as like, handphone function okay and then, the screen okay to me iPhones have to be a fairly large screen not too small also so I hate to, uh, manage of course is


it's fashionable so but of course I don't see watch and iPhones together at this time, you wish to have one like that


oh okay so you watch do you watch movies in your phone


okay so is there anything, that , that you purchased is, of great value that you want to introduce to any of your, friends, or maybe you want to tell me so that I can even, consider, a new product because I I I understand you are quite a


Lazada not Lazada maybe Qoo ten and Carousell fan uh what will be some of the products that you can buy and, recommend and convince people to use


oh my god you also got that


so you got something in your hand all the time lah right, you can't possibly go down to massage parlours all the time right, you mentioned a friend recommended to you so do you think this is the best way to get people to


buy things or or get introduced to things


I think I think that that that's a good point where I mean whenever we wants to eat out also, we always ask I mean we cause we think that today too much of these reviews from the online or social media can be a bit, dramatic, so sometimes we have a close friend that we can trust okay the trust element is not


uh attached in in these reviews right so we, though we don't not we're not too sure how sincere when people put a review, so like for example if I know you well enough like in this case so if you could tell me that it's good and if you know me well enough of course probably I will trust that is good and I will probably give it a shot right


uh, of course information like how fast it's selling uh uh of course it helps me to even think that is a popular product and is sometime can be considered right


okay I mean to me uh, uh besides the iPhone which I always try to do that and, in fact a lot of my people a lot of my friends in my company are using iPhones right now but of course iPhones is getting a bit more


expensive, okay so so probably products from, uh, china which is probably more cost-effective but with the same uh, uh level of technology like huawei all that is also picking up so of course if finances are constraint uh people will start to explore all these uh


cheaper alternative I think even my parents I don't think they want to spend so much money on iPhones okay so probably I think it's also good that iPhone has a different range right now to cater for the different market needs, okay eh ya, of course the other thing is of course a lot of food and movies lah right


okay we always go and experience it ourselves and then we go about and telling people and food has been the number one , blogging element and everybody taking pictures and sharing their food and I think they providing us with a lot of uh, uh real updates


okay recently also we went to one of this restaurant uh, recommended by my sisters I think is uh, pretty good with her recommendation we are almost eighty percent sure the food is pretty good because uh she personally went there and experienced it and then knowing us and our more or less our tastes and


that, makes it easier for us to just walk in into the restaurants without thinking too much, I I don't think you do any baking or, uh desserts at home right so how do you


actually purchase all these or even have a celebration at home


it it is it true that a lot of people are doing online bakery these days, a lot of them doing home bakery and then they publish it online, I think in that sense it helps the small enterprises to come up right


I think in summary ah looks like social media is a


in thing lah right, without social media a lot of things don't get across, okay probably some of the cakes that you buy at home might be the probably from the bakery store nearby rather than, a delivery from uh #pasir ris# or even east coast right


okay and then uh a lot of people also opportunity to be creative and share their ideas on social media so that people can buy in without going through the expense of setting up a, a a


ya okay


okay, okay


okay so uh Amirah I'll first , ask you if you have any savings account and if you do why not you just share with me


oh, wait wait so is this some kind of a joint account or what


or it's just like solely for you, oh and then you said that you can only use you cannot use it unless it's emergency so you telling me that all the money that you have collected since you were young you have not been using it ah


I only have like no I only have debit card I don't think I'm ready to have I don't think I have that I have a stable income to have a credit card so the debit card that I use , I have three uh one OCBC one is the DBS the the passion card the one I think I I think most singaporeans have then one more is the YouTrip I don't know if the YouTrip is considered as the debit card lah I think it is lah ah you ever heard of YouTrip


I think I oh you never heard ah okay I think I shared to you before the purple colour then you can like use it in multiple countries, did I tell you that, ya so that that is the three cards that I'm using lah basically


so, ah ya do you have, your own debit account ya debit, card


I think we ever had this conversation before, then I I think I if I'm not wrong my answer was no ya my answer was no I think the reason why because, my own personal ah I don't I'm not a fan of joint account because, I my own personal expense right I'm not I don't like when doesn't matter if it's my spouse or my family members or anyone lah who I'm having a joint account with


they can see the transaction they can see what I'm spending on, so I think that's one of the what you call it the one of the, uh cons of having for me lah cons of having a joint account because they can see your transaction account and all your spending


are all transparent so I don't uh I I don't like that idea what about you


so you telling me that you just mentioned that if a newly, married couple it's not encouraged or advisable to open up a joint account correct, so I'm assuming that if let's say you are newly married or you just got married you do not plan to have a joint account with your spouse


oh okay understand


okay for me I, but so right now right don't mind me asking do you actually have a joint account with your maybe your mother or your family members oh you do have who are you you have a joint account with who, ah okay ya


same ah actually I also have a joint account with my mom but the most like I think the frustrating part is that I couldn't take the money then I'm like oh you see there's a lot but I just cannot take it


so when you get married you have a child , so what do you think like the age where a child should have his or her own ATM card, like you know the their own bank account, what do you think is like the ideal age


for me I don't have, an ideal age for a child should be given a ATM card I don't think age really determine if a child is suitable to have an ATM card I think it's more, of their uh how their


decision making are like you know if they're responsible decision makers then, uh I I do consider it lah and then also we are coming at the age of uh at the age uh we are coming in this digital era where everything is where people are not using cash nowadays people are more towards the you know the QR code the PayNow the PayLah! all these uh alternatives for you to


to make transaction that doesn't require cash so I think it's good to introduce a child, I don't think at such a young age lah I think uh maybe in secondary school to introduce them in this finance this finance topic like


you know uh teaching them about the basic of you know credit debit uh transaction how the card is being used how QR code is being used I mean nowadays children at the age of , what uh, seven primary school already have a phone


so, to educate a child on, the the the way we use uh uh on the way we make transaction also is quite important lah so, I'll say if if they are a responsible decision maker, and uh I thinks and I also believe that my child is uh you know it's it's time for you to


learn how to to make uh to have a bank account so, I I just, I mean no I just allow them lah to give the to have a bank account so I hope you get what I'm trying to say because I, ya


you do right okay so uh, Amirah, between cashback points and miles right what type of credit card should people be using


oh okay okay I see I think I also agree with you lah when you mention about the miles I think it's more for the, uh, people who travel frequently lah you know because personally I don't travel frequently so having a having a credit card that has the this miles miles thing I I don't think it's quite reasonable for me to have one lah but I think for us both right we are young right and for I am quite


uh, uh I want things uh how to say ah uh, like for us both right I think we prefer cashback I don't know if you do do you prefer cashback, ya, ya ya I forgot cashback also I think in the sense where because it's cash you know it's money you know it's not like points you have to collect I have to collect collect collect collect and then I can like you know so I I I'm not a fan of that ah ya I want cash !oops! all cash that's what I want


no lah I I I mean I'm too young to have a loan from the bank lah that's , I mean I don't take student loan also, because being paid by mendaki lah I think we both also paid by Mendaki so we literally go to school for free right I mean I go to school for free


ya, so but my family members my mother you know when you want to buy a house you have to, take bank loans all this kind of thing, you know you know ya so I


so getting a loan for me personally I feel like it's going to be like a burden in your shoulders in a in a in a long time lah you know in ten or twenty years time you have do you it's like, malay people call it Hutang lah debt yes you are in debt ya because when I borrow friends when I borrow money from my friends right and I don't pay them back right I have this sense of like the feeling of like oh my god oh my god don't know how to say lah like you are in debt and then you


ah, I don't know lah but I I I I believe you understand where I'm coming from, , ya but I don't have any experience in getting loan I don't think you you have also experience in getting loan do you


wait wait sorry let me stop right there you, did you just say you didn't know you going to pay back, oh we know okay


!ow! okay okay understand, it's, having a student loan lah basically, ya because like, for me right I think I have a few people coming up to me and say like


oh I think you should go to a university oh I think you should go to I think the minimum to survive in singapore is university, then I'm like okay if you talk if you talking university we talking about twenty to thirty K of student loans and I have to pay that for and even if after I graduated university I still have to


I I'm not going to earn that much and I can like immediately pay my student loans you know then I'm thinking okay lah if you say then you give me the money lah I'll go to I go to university and study right now, so I I don't in a way I feel like I'm not obligated to go to uh take a degree uh I


because mainly the biggest factor is because of the student loan because I have a uh I have a sister she she took a student loan I think if I'm not wrong it's about twenty K and uh I don't know if because she was she felt obligated to do it or because


uh peer pressure or whatsoever I I don't know and end up she she had to pay for like uh not so sure how long she take to pay all that twenty K uh she ended up not not using it actually, so that was really something that I didn't want to experience what she experienced


ya so I feel like I think so no thank you lah for student loans I, think there are ways where I can actually survive in singapore without a degree you know I mean in fact there are some other people who earn more than a degree holder


you know well you get what I'm coming from so I think ya ya I think it you saying that because uh people are coming up to you and tell you that also right


honestly I don't even know what that is and I don't know and I don't understand why you had to ask me that you know that you do , if you know the answer to that question please answer it because I have no idea what the question is about


hidden file ah, I don't I really don't, I I but, thank you for thinking like I know lah actually I don't, ya thank you for that thank you for thinking that I'm smart when actually I'm not ya thanks ah


no I don't you have to understand that even when I learn, accounting in school nothing goes into my head ya, ya doesn't mean I studied accounting mean can I can answer a lot of finance question


, oh okay ya so sorry okay let me let me ask some, question that you know lah okay that you and I know ,


hold on ah, cause I want to ask a questions that you and I can can answer so in what is charged do you have a e-account couple where do you


choose , cashback what is the experience when you choose, and then uh, okay if you have a question, because


I thought you will got to see, okay I just ask lah just ask a random question lah it doesn't matter if you know you don't know let's just try our best okay in this one minute and ten seconds so what is your experience of purchasing insurance product insurance products from banks


I mean you have any experience just share the details lah


oh I see, I don't I don't uh insurance from the bank no because insurance my mother is the one who's paying lah so uh when I get a full-time job, I'll be continuing what she already bought for me of


the insurance organisation so, ya, but speaking of insurance right you know those insurance the AIA prudential great eastern, I have some uh insurance people coming up to me and to sell me the insurance lah and frankly speaking I was actually quite attracted to it lah because of the way they speak lah I don't know if they're just well trained to speak


but I just remember I was uh two years ago I was eighteen then she was like like doing all the math and telling me the future of oh okay should I stop, I think we can, oh


okay can I continue my story okay, okay so uh just continue where I left off so two years ago , when insurance this insurance person come up to me you know doing all the math and


say oh this one for your future you it's very good to save your money hundred dollar every month then when you get older you can like use the money all that kind of thing lah then I'm then I was like us, I I told her oh oh !aiya! I think about it can I have to ask my mother then she was like oh you have to ask your she give me !whoa! she give me this one look and this tone lah I don't know what kind of


okay but whatever it is he started like oh you have to ask your mother ah you're eighteen already you know you can make your own decision then I'm like ah ya because in the malay community right this kind of decision must ask the parents one, so she was like oh really ah then I'm like ya so I'm like okay and then just walk away and you know insurance right they tend to give you the free gift right when I walk away I don't like eh what's my free gift you know but I didn't do that lah you know like save me some face lah


prudential ya


hold on wait let me stop you right there so you telling me that you say you don't know how you came to the coffee bean is that what you telling me


oh it's like you fell for the spell lah like that


oh secondary school I thought you were like you still in poly you know, secondary school ya lah of course lah secondary school, we were so naive what, ya you are very you are you are very naive person


part three negative experience


okay, okay, fine why is it you always starting the question,


okay what's the question


staycation so, does it have to be staycation or like any hotels that I've ever stayed, okay , or, let's say I don't have worst worst lah but it's just something that I'm quite


picky about it it's not the worst but it's something very I'm picky about it so it was at this M hotel have you heard of it, have you heard of it, okay this M hotel, you don't have to travel M hotel is in singapore


okay fine uh so this m hotel right , we booked a room it was I it was I think five five of us including me ya five of us including me , so it was two stories okay you were they called it the loft room LOFT loft room


so the upper level right, is only for bed there's no space for you to change your clothes there's no space for you to put your things it's, just for bed and the space is so limited, that it was we struggled five of us to


to make like to make the best out of that space lah because it was too small for us and the toilet especially you know when you go to a hotel right the toilet has to be, spacious for you to do your, to wash yourself to clean yourself to clean your face whatever it is I think it's important for the toilet to be big okay doesn't have to be like grand big but


enough space for you to maybe stretch your arm or that kind of thing so, that was something that we didn't had uh because the toilet was separated into two one for you to shower and one for you and one one is for the toilet bowl and the place for you to shower right it was so small I can barely stretch my arm


I know it sounds ridiculous really I know it sounds ridiculous that couldn't stretch my arm okay non non stretch your arm lah like stretch your leg, okay I'm talking I'm speaking from a one point seven, metres uh height lah I couldn't stretch my leg at all, and also there's no hooks for you to hang your clothes


then all of my dry clothes were like all of the towels the dry clothes and everything was just, wet, because it was so small there was no shower cap there was no like what do you call that there's a, like


ya you know what I mean whatever it is it was so small and the location oh my goodness I don't know if it just if my friend, and I we just stuck at finding good food or or locations to eat but there wasn't much options for us, so like I think there was only seven-eleven


and the, around the hotel there wasn't much place for you to eat so we just we just decided to eat McDonald's lah, for lunch dinner supper McDonald's, ya


ya we opt for delivery I mean we could have chosen like foodpanda or, GrabFood lah but like I don't know why we opt, uh for McDonald's, where I was really disappointed no it wasn't even great okay fine the room was bad but the people were great


ya I'll never oh seriously I would never go back to it's good for instagram really it's really good for instagram pictures all but , ya it's really good like people like youngsters right, our age they they book a room for for birthday occasions most of the time is for birthday it's really nice


it's really nice for instagram but in reality it's not so if you are considering please don't, I'm not trying to boycott the the hotel lah but I'm just like eh I think you please don't so I don't think you don't do staycation do you


okay lah then maybe I could ask, uh any products, that you have bought in E commerce platform that, was negative for you, like a negative experience just share with me


ya actually I was to try silicone also say, like I've always wanted to try silicone also


ya did you wait like I know it didn't arrive lah but the first time before you contacted the seller right that the product didn't came


oh okay okay


okay, my one was , uh e-commerce platform also, I bought this I bought this, , wireless earpiece, it cost me eighty dollars okay and bear in mind I was I was in secondary school if I'm not wrong and to spend eighty dollars on a blue uh wireless earpiece is actually quite expensive okay eighty dollars eight zero


ya okay, okay I think the brand was anchor so I bought it online, okay and it, but, not from my experience lah


so I bought it, ya so I bought it and I I tried I I used it for like two weeks two weeks later uh it wasn't working okay so , I wanted to send it back to them for an exchange


but I lost the wire so I end up not exchanging it , , and I were and mother was my mother said okay next time we don't buy anymore, gadget from online platform ya like


don't never ever ever buy, gadgets online I'm like okay fine I won't and that was a lie because I did buy I did buy something else online and it was gadget uh let's talk about


let's see, I'm trying to, think of some a a question that I can ask you because if I ask you question three about losing weight err what gym


, okay okay fine describe a holiday in a hotel, where you were disappointed


okay


ya it's okay lah just share with me you uh let's just see let's just treat it as if it's a hotel that uh don't call it chalet call it hotel


because just now you say I protect you from the cockroaches was it your mother or was it you


ya I do my biggest fear is cockroaches like anything but cockroaches


, uh, I think I the the bluetooth the wireless earpiece ah the one where I shared with you the anchor


ya I think it's good actually just that it didn't work, after two weeks of using it, there there is a warranty I can exchange it's just that I didn't I lost the wire the wire for me to charge I lost it so I couldn't like


cause like I'm a very careless person so I'm sorry, but I do I do have experience in buying clothes and it didn't fit me, it didn't fit me not in the sense where it's tight you know in the sense where it's actually super big for me and twice that happened so I and and twice at the same platform oh my god okay you know asos


okay so asos is this uh online platform for you to buy clothes lah and then ya so I think I was like


and came and it turns out it was way too big for me it was so big, that, either I had to, sell it away, I didn't return it lah I don't know why I didn't know why I didn't return it sell it away or I alter it so I bought this pants and I alter it


and you know what I alter this pants, you know how much I spend, after after the person was like, doing the the drawings on my pants right the uncle said okay twenty nine dollar, then I'm like !huh! twenty nine dollar for you to alter my pants you crazy or what


then I'm like okay no twenty five dollar, then he like no no no twenty six dollar then I'm like no you give me twenty five or I walk away and he said okay fine twenty five dollar, and after, hello, what what would at least


it's my like, my walk away price lah either twenty five dollar I walk away you know, like , like eh you if you are spending twenty five dollar to like alter your pants to make it smaller then it's considered like ya what like


why because the uncle already like doing all the drawings the measurement where to cut or the where to alter all that then I'm like okay lah since you do already I just pay the twenty five bucks I like okay suck it up, then uh and then I tried already and it was still loose, so I had to go to other places and I spent sixteen dollars I forked out sixteen dollars so I spend you can imagine lah how much I spend


just for the the mistake that I did, so that was frustrating ya


and oh I used I used this pants when we went out, for the when you weren't there, the one I show you the TikTok, ya, so that was quite recent actually


any product that I don't want people to buy, oh , I don't have I don't have no because when I buy


because when I buy something right make sure it's good I make sure it's something that , that value for money lah, you know, so when I buy something lah I have no regrets lah


ya I do sometime takes me three months to think about it


(ppc) K


part two positive experience


I do actually I do I remember


all the time I mean we singaporeans we love our bubble tea I love bubble tea so much right to the point where, I bought I was at popular and I saw this seaweed flavour bubble tea eh bubble tea seaweed flavour, ya I'm not even kidding so I'm like I saw and it was ya


you know the okay I don't know what's the brand name lah but, it's quite a a a well known uh for the brand so I saw and okay let's just buy let's just buy the, bubble tea flavoured seaweed and then I tried and of course I didn't like it


ya, it was a mistake, I didn't like it of course I didn't like it, not only did I buy a seaweed eh no a a bubble tea, flavoured seaweed eh no wait , it was a seaweed the seaweed was bubble tea flavour okay


oh ya oh sorry okay okay ya I don't know why seaweed


I love trying new things and you know Swee Heng they sit they sold this I I mean they are selling this like bread and then with bubble tea inside I'm not even kidding you know, then there was like literally a pearl inside I don't know if you saw it before it was like two dollars and uh


for someone who love bubble tea it's nice lah but I, think for someone who who don't drink bubble tea it'll be something , they won't like, ya so I believe you love your own bubble tea, so what is like your go to bubble tea drink


ya cause it's very sweet right if I'm not wrong


, ya because you buy, the bubble tea for the drink right you don't buy to chew or eat the pearl ya


isn't pearl like considered as the, topping, oh no leh oh white pearl is that considered white pearl like that ya white pearl is good, golden pearl also Koi got golden pearl think there's a lot of right uh


ya you don't know, I think it's uh it's by default lah their pearl all golden, because now I don't see it, I don't know if I don't see it or it's just that I don't buy Koi anymore but their pearl are always like golden


for large really when was that, ya it shouldn't cost it should never cost five dollars six dollar no no no


we are supposed to talk about positive things we are not supposed to complain actually


because when we complaining about the complaining about the price okay , anyways my go to uh bubble tea order right is is for me is LiHO I I and LiHO right I only drink one one uh one bubble tea and that is their brown sugar fresh milk not the brown sugar milk tea lah it has to be fresh milk and I for me right hands down LiHO is one of like


the best when it comes to brown sugar, fresh milk like you name it lah I've tried, different brands like Koi Gong Cha even the the the tiger sugar at the Yishun there or also at the I mean I tried as many as I could lah and I I couldn't find the best one because the best one is actually LiHO you try before the LiHO one


have you tried


oh like so you are lactose intolerant lah, okay you want talk what okay let's talk about some something else uh let's talk about


skincare skincare I guess something you are familiar with right okay so I mean uh why not you just describe to me the skincare that you're using and why do you choose that product


oh okay okay, what brand is it what brand is it you forgot ah


follow me you what kind of brand is that , oh essence follow me follow me and essence, they are so different oh my god okay so how long have you been using that


oh ya ya I think so


uh I do uh initially in my not in my lah , previously right I I wasn't a fan of skincare I never like skincare and I never believe in skincare I was like I don't find,


and like I don't find like the point in buying, a skincare product when it's not even doing good to my face really really even back in secondary school right I don't use skincare I never use skincare I don't invest dollars in skincare at all I only wash my face that's all


ya then so now like, shut up so now I mean like, part time I'm earning my own money right so okay I try here and there and, the very first one the very first skincare that I've ever used


uh my mother bought for me this orogold okay it was quite, it was it's considered as high-end lah, okay it's quite expensive so I'm like okay let's see if this uh brand do justice to my face you know I have to clear out my acne lah my black spots lah all that


and it didn't do anything it really didn't do anything, I used it for like, orogold are you googling now, oro ORO gold, ya so like


the orogold right then I use uh then like it didn't, like make, skin better lah in a sense where I wanted to achieve this skin but, like a better flawless skin, more radiance uh but it didn't do that so I'm like oh I'm so sorry mother you have just wasted your own money


no it didn't definitely not, ya so , and then I try to find other brands lah and then it's still the same , it's still like it doesn't make my face any better so I'm like okay


I I tried, the recent one that I've tried is the the ordinary, I don't know if you heard of that brand the ordinary, ya oh I said ordinary okay ordinary ordinary whatever


so I've been using that for, for what six you know six not six months ah four months already


ya using hello I use it for four months already, then like I don't see any difference actually, I don't see the difference but I do have some of my friends coming up to me and say eh your skin much clearer ah, then I'm like really I'm not even kidding ya but


I didn't want to believe my friend my my classmate lah, you just met me two days ago, ordinary ya


oh I, oh I use the, I use the yes the serum the water-based serum the the red colour you know the famous one the red colour


I use a red colour, so you telling me that I've been using it wrongly lah, I don't think I'm using it wrongly because because, if you want to like layer all these products cause I'm using four four different serum and I don't know


which to use first so if you don't know, ya okay I haven't I haven't finished my story I haven't finished my story, okay yes okay, so I it's so if you don't know how to layer your skincare right you just email them you just email them what are the products that you are using ya really and then you and then they will give it to you they they give you your


regime your skincare regime so that helps actually it didn't lah, actually it did in like, figuring out figuring out which to use first or when to use it but did it help did it significantly help in like giving me a better skin no


but, but I don't mind that at all because one bottle is like less than ten dollar eight dollar I think, ya, hold on hold on wait ah


sorry I bought it from beauty bay, because if you bought it from carousell right carousell carousell carousell, uh one would be thirteen dollar


ya you don't understand the hype over it lah, I mean it's popular among the among the TikTok community lah err TikTok users right ya you know ya


ya the western people, maybe it's just for the western people lah but for the malay people I don't think, the skin is like is different lah western and malay skin


can like, okay uh, okay let's let's move on to the second question describe a product that you bought which lasted longer than its expected lifespan


please okay please don't tell me it's skincare


is it about skincare, oh you mean you want me to, answer first


so I I I question and I answer it okay, okay a product that I bought which lasted longer than its expected lifespan, !huh! I don't


know, bread bread, bought like ya because, because you know this , you know the saying where where where they say, (oh) you just put in the fridge it would ya


ah doesn't matter if it's or not you just put in the fridge still can eat one have you heard of that, ya I said bread, okay bread bread is that more familiar to you !huh!


it's in your product like describe a product ya, oh okay so if let's say the the bread, it's uh expired tomorrow and then my mother would say okay you put in the fridge it can last you for one week


then okay what put in the fridge, and it really it really did lasted for a week, ya so like every time I want to eat bread in the morning right it's cold, and I don't like it, so you heard of that saying lah


ya but other than the besides bread I couldn't think of anything besides bread uh


oh


I think it lasted because because you didn't lose it you understand or not like if let's say I have a pen back in sec one and I didn't use until now I think I can still use it but the thing is we lose our, pen all the time and you do you really take care of your things and another factor why it lasted longer than expected is because the way you take care of your headset your headphones if I'm not wrong if you give me the headphones right I can tell you by by one year right


spoiled already, because of the way I I use it so I guess it depends on individual [lah] how you take care of it, ya so, I think we are done


much older I feel that uh having a saving account is is really useful, is really useful for me and then but my mum didn't let me use the money inside so I, just uh if I it's if it's emergency I will use it and then I will have to like pay back


and I put money inside so ya, , and uh it is for me


uh I I use it but I will uh replace it after that uh pay back so that it's returned the original amount and also I will top up lah, I will also top up the ya so , do you have like


a, credit or debit card which one, do you have or do you have both


oh oh ya I think I think you told


oh I have debit card right , uh I have like my family have experience with, credit card so I just, I don't know I do not want to have a credit card, I just choose debit card since like it's my, first uh first card by my own for my


own so I just choose a debit card which is much more, easier for me ya to have uh and then , I just like to ask you, uh !aiya! I'm just curious lah, like they face like couples,


oh for me if actually I, do like to have the idea of uh joining combining or uh finance cause like


together we can make, money that's what I thought , but it's all about the trust so I prefer if the couple is, trust each other, and they are responsible, I like more like married couples like for five years or more


if they really trust each other then it'll, be great but if if it's just like


no I would I would, not tell them about like , my bank account not even mention if they mention then I'll I'll say that, I'll just like , lie


I'll just make it as if it's, , it ya you know like like mean uh not really like give a exact amount you know, or like if they say to join right to join uh to combine or finances or anything I will say uh


reject uh I'll ask them to like wait for, wait for a few years then ya like we can do it manually ya yes yes yes my mum (mmhmm) I have one with my mum ya


ya that uh same that's what I ya that's what I'm share


twenty because , it it but it check it actually just depends on the, the my child is uh responsible or mature enough to handle their own uh finance you know


uh know how to handle this kind of cards you know uh then I think, uh they're ready if like I'll make them, uh a debit card first of course not a credit card ya


ya ya ya so it's a, then they can ah manage their own account lah by themself after I teach them how to so ya what about you


like what age


like they don't like to stay in one country


one place you know I think that the miles credit card is perfect for them , but uh other than, people who travel a lot I think between cashback and points I I prefer cashback but I don't really have like a uh a the right answer for what people should be using


because I think cashback and points are


I I ya that I I said I prefer cashback, , like for our age right


at people our age of course is cashback, ya so , uh I would like to ask you, what is your experience of getting a loan, like do you have ya have you ever get


have a loan, from a bank can you share with me that experience, (hmm) (hmm) yes yes ya ya ya debt that's right yes I understand ya I don't I don't have any experience but I know one of my family members who gets a loan from the bank because she studies overseas so we need


we need to get, a loan ya from the bank and , because we don't have, like uh, enough money we of course we, need to, we need some money from the bank right but it's emergency so we didn't think about it you know like we know that we have to pay back


but, that's not the, we know, I said we know yes, so but it wasn't the


priority cause she needs to go overseas so ya, so we didn't think about it at first, and then , we're like you're we like, uh worry later you know like worry later, right now is now uh ya, so ya but it's quite stressful


yes, ya I ya I feel you I feel you ya so do you like I'm curious about this also do you have like a


high yield bank account of, like do you know what that is


ya I , the reason why I ask you is because people uh there's one person who asked me this question I, really don't know how to, answer it so I thought you know so I give you the exact


question that my friend gave it to me, me ya, since we're talking about finance, ya, but since you do not know, let's, uh wait ya ya I thought you know cause ya


that's why I thought you know cause you, get account you have, you studied accounting so, , okay do you have, anything to ask me because I have been asking a quite a lot of question


that's really considerate


I I do not have, any experience purchasing an insurance, products from the bank and I've no idea, where like I've I don't even know that we can


do that so , but do you have had that experience I feel like


oh just continue without forcing the


ya they will they will just give us first and then they'll, that's like how we like oh really that was like oh but yea yea yea yea and then we will talk about the finance then we're like holding the thing that they give you like, uh , then I help no holding it like ah I want to give it back but they're like no then they keep on talking and talking like I want to go but I'm I'm holding the thing that they give


ya ya, and then uh there was once I I also, was someone came up to me also talking about the finance like, ah it's what is that called not AIA it's a, per gene per


prudential, ya and then and we talked while standing up and then like you know how they just stop me when we're walking and then I don't know how I don't know what happen I we went to coffee bean to


talk about it more we sat down, we sat down to talk it about it to talk about it, I forget like how like if I were to think back like


what did I say that, we decided to, talk more about it at a shop like a coffee bean or somewhere to talk more about it like as if I'm interested in it or was I just


ya I don't know what happened I think I I it wasn't me at that period of time, ya and then I I mean they give like they give a piece of paper and they scribble scribble scribble and then I had to like there's like mathematics


for the whole entire time, I was like plus minus times divide and then I'm like , (mmhmm) (mmhmm) ya, so ah anything that I was in what secondary school so I think my brain was there, oh no no no I was in secondary school so my math was just


ya ya I I think so too, !wow! ya ya


hi I like to ask you a question it's very interesting I know you will I I know you will love this question so I would like to know your worst staycation


holiday in a hotel, like you know the hotel facilities like the level of comfort ya the break the, food privacy, do share with me cause I don't have much of that


oh any hotel your worst like you tell me your worst


ya I don't travel in singapore ya either


you really eat that for


oh oh oh, , okay so I bought this, uh is it buy the the you know beauty blender, but it's not a beauty blender is the a silicone ah


ya it's a silicone blender (hmm) ya, ya you know right so it's like you know for your face ya so I bought it it's like two dollars it's I mean it's fine cause it's just two dollars but it's still, my money, and then okay it it it went as per normal


delivery and then think it's perfect, but, and we talk for a very long time the the , I track my order and it says that it, arrived already ya so, so I was uh not it it doesn't really say it it arrived already just say that if you see the


product you know press the received button that kind , uh like it it it so I press the extended, this button is for you to, press when you don't get, the, product and you want to extend the time extend the date you know


ya, uh so I pressed that and then I didn't get it so I said to the seller and then the seller, said okay I I, I send you again you know I I cause I think it's it went missing cause I I opt for a normal mail


a normal mail ya so , and so I think it got lost lah and then uh, and then the the seller said okay I send you again because it's just a small item, when I just got like what I think I got one or two I think I got one, ya so it's just a small one


so I think it's I think it get it got, lost lah and then the seller was and then the seller gave like a evidence, uh to show that she shipped out she gave me a picture, uh I don't know whether they gave me a video eh no no I think it's just a picture and then ya