they were very friendly the people who served us they took the time to actually come to us and have conversations with us when we were having our meals so we actually felt very welcomed and the conversations that we had weren't really just, you know those standard conversations that was actually personalised and you know we felt like we could really


, converse with them they were very friendly to us and not even just the servers the even the boss who runs the place was actually there so she actually , made an effort to come to us and she was actually also serving other customers as well so I thought that that was a very humbling


it was very humbling of her to actually you know, do that for her own restaurant and her customers, so when I actually called yesterday they were very nice on the phone they were very pleasant even though you could tell that they were busy with other customers they were still making sure <B>


relate to us ah on a personal level so in that sense ah she actually took the time to ask like what's my name and then throughout the conversation she actually remembered it then addressed me when she was talking and then, she tried to, really cater to my needs because you know


she tried to , suggest to me what, possible crabs that I should try having already been there before and then she also tried to cater to the amount, to the size of the


like the people like for us that we're having the meal right she tried to cater <B>, to the number of people that we had and she even like offered to waive off like some fee so I feel, feel that you know it was very enlightening on her end, to know that they actually go


beyond, but it's necessary to make the customer happy, so I feel that this is a very, , it was a very enlightening experience for me because not a lot of people would actually do that and they do it so effortlessly so you know you can really tell that it's from the heart and they're actually genuinely caring about their customers wanted them to have


the most positive experience that they can get out of it


not really I'm very picky eater, okay so , (ugh) this is actually like a like a


a restaurant that my family and I actually frequent very often, and it's a little italian uh restaurant at Bishan marymount area, so it's I'm not sure the name, but I know the chef's name is Mimeo so he's from he's from italy


and, he's been working here for quite a couple of years now and he owns the restaurant that he that you know we frequently dine, so he , so because he's from italy right he has really studied the craft really well and he really knows what he's doing with if


with his food and you can really taste like you know when you go when you walk in in itself you know you can see that the ambience and the the way he has chosen to decorate the place is really , different from other italian restaurants that you might see you know in the malls where it's just the typical standard decor that you have like he has actually chosen to


split his restaurant into two main dining areas so firstly one is just you know the normal casual dining that you have, , dark quite dark lit actually and then when you moved in there's actually a place that is more rustic and you can actually look into the kitchen when he's doing the when he's cooking his food and you can actually see the


pizza oven it's like the wood the wood oven if I'm not wrong you know the the one where they, ya that one so you know is it's very like, nice to see that he has put in so much thought into making the place look so


welcoming, and like guest not only get to enjoy the food but they can actually enjoy like the way that he has chosen to make it you can study how he, cooks his food as well, and his ingredients are, directly imported from italy as well so I've


found that it that was very interesting because even during COVID he stated that you know he was still able to bring in his ingredients from, italy so I found that that was a very good , that was a very, it goes to show that you know he make sures that you know his food has quality


and , even though some in some dishes might be slightly pricey I feel that we're really paying for what your you're really getting your money's worth lah in that sense and he actually makes it a point to, , come out of the kitchen talked to his customers have conversations with them


so I feel that not every chef you know and not every renowned chefs not every chef we know has a good reputation very famous, uh very successful not all of them actually take, the effort to do this to come out take the, time take the effort


to, make small talk even with their, customers, and he actually you know remembers us from when we come like the previous times so I feel that, it's a very enlightening place to go to especially when you just want to chill after a long day you want to go there you just want to have some good food I feel that that's a very good place to go to


ya ya ya


so do you have a favorite dish from that place,


actually I like the, Burrata cheese is type of prosciutto ham, as actually the first time that I tried it there so and then I've always like had cravings for it ever since I tried it for the first time, so ya it was a very enlightening experience cause you know I found one of my favorite foods there and still continue to enjoy it so if it wasn't for him I probably wouldn't have known that I liked it in the first place


ya okay so my favourite stall will be Koi, even though slightly overpriced


slightly overpriced while it's still nice, so I like the lemon green tea, not, not many people order that I think like I think I've not really seen many people drinking that drink, so I feel


ya so it's a very like unique drink in itself, and I think that it's a very refreshing drink to have cause you know I'm lactose intolerant I can't really have milk so, ya so it was a good alternative a good, substitute to that and it's something that I really enjoy


ya what about you that's not bubble tea


have you met any nice barristers who like offered you like a free drink or something, that would that would have been really good customer service ah, not really no I


ya I think they have a nice they have a nice ambience there it's like, the lighting I think the lighting caters to people who want to study and want to do work you know the yellow light feel that most people are more productive in that that kind of environment and its quiet not too noisy the coffee smell isn't that overpowering


so I feel that in that sense it's makes for a very, conducive place to study and also I feel that you can, you can I don't know why but I feel that coffee bean staff are more approachable and friendlier than Starbucks staff I don't know maybe cause the people at Starbucks are just very constantly busy so they might not have time to interact with the customers I feel that


the staff at coffee bean they are more, open and willing to you know have conversations , recommend drinks, some some workers, I think in my personal experience , the the Starbucks around my place they're not very the people who work they're not very welcoming not very friendly


so, ya so I think I've had more positive experiences dining at coffee bean than Starbucks,


actually I can't think of anything at the top of my head do you know anything, like do you have something like that of your own,


seriously !wow!,


so like eh is essentially like a new laptop then, that you essentially using like of, the same quality laptop,


then maybe you should be an apple ambassador, I see I see


uh actually ya I, have like all the apple devices that you could think of, and except the apple watch actually but, the rest of it I pretty much got it settled already, yup uh


AirPods ya got them during the iPad sale the education store, ya so, I've had a lot of positive experiences with apple as well especially at the flagship store at, jewel


like the people there are really nice that really they really go beyond lah to tell you what is good what is bad, and you know they really like try to convince you you know to get like more stuff to spend more there and like they're very convincing at doing so


ya exactly, ya, actually like a product that I can think of, sorry, no no you can you can go on ya


actually ya I did actually in twenty fourteen I had a Samsung phone, ya I didn't last very long though, it didn't last very long so ya not very good


not necessarily maybe just going going with the flow lah going with the crowd


part one finance, okay, for myself I've always thought of personal insurance being very important but


from in my case right it's always my my parents who get involved in personal insurance for me so they'll sign up different plans like be it health insurance life insurance and uh even overseas travel kind of insurance so all those stuff so


that ah for me it's always my parents who get involved in it so uh maybe in time to come uh it's going to be, me who's going to have to invest in all these insurances so ya I think it's a good start it's a good uh step for me to


uh have insurance at this age and my parents are just me showing me the way and letting me know on uh which are the insurances that are important and for example I think the most an important one would be the health insurance, because uh is always unpredictable uh we can always get an injuries or accidents and all that so I think health insurance is very important for myself I I've always been a part of a AIA insurance and they've always been really helpful and


always sending me birthday cards and give me course here and then and then I always I always have uh meetings with my mom and the insurance agents uh at home so it's about a monthly thing to look back at our plans and think about any improvements that we can make lah so how about yourself


ya


ya I agree I agree ya you were talking about like the coverage of your health insurance right, do you think it's important that all insurances cover private hospitals as well


, ya


, so you're talking about like preference right like whether you prefer to go to uh a public or a private government hospital or private hospital, so do you think in that sense like uh maybe insurance


agents and insurance companies should think about making private hospitalisation like insurances more affordable for for the masses, that's true


yup alright cause personally I I started off with a government hospital uh insurance so the plan usually covers any


A and E uh any A and E uh, involvement like if I go into A and E it's covered and all the scans are covered as long as I stay for about I think it was a eight hours or so if I get admitted for about eight hours but then in the end I had to wait


close to a day to to get my scans and everything done which I think is really not effective and and it really depends on like how important the injury or the case is I guess but , when I went to when I changed my plan to a private hospital insurance it it they really took me as a priority I mean private hospitals that that's what you can expect right but I just think just forking up the little bit more for a private hospital insurance is worth it lah because


you get immediate attention and you get reliable, you get reliable results in a matter of time and for me uh for my private hospital insurance I if I'm not wrong I think I just have to if I have to stay in for observation for as maybe as long as


two hours if I'm not wrong I get covered as well, and ya so I think I know the affordability is a question here but I think that people should, try to to go for private hospital uh insurances because there's a lot of benefits to it lah


which is why I was thinking of how insurance agents can make it more affordable for, for the general masses to afford private hospital insurances ya, ya, so do you have any uh


endowment plans


ya ya, , so it's it's a is reliable lah cause is under OCBC right you don't have to worry ya


ya ya , ya


so before you before you sign up for that plan did they, really sit you down and talk to you about all the risks and what you can expect


right ya


(mmhmm), ya ya ya


ya cause I've had my own case of , insurance agents trying to sugar coat stuff and under promising uh there's a reason why when my family like either one of us like any of us want to take up any insurance plans we make sure we go through different companies and get all our options down and make sure that


that there's reliability for first thing that's reliability and second there's there's a that like what they're saying it substantiated lah so they may for for me right there there was a few occasions where the insurance agents just show us charts after charts and, try to make us understand about uh try to make us understand the different projected sums that we can get from a from a like what you said the endowment plans right but


at the end of the day it's still it's still depends on a lot of risks and how the market plays out so that's why I've never really sorry


I think for me, maybe it's an age thing lah I don't think I'm I'm ready to go down on uh endowment plan I just want to make sure that I have a proper sums for myself and maybe once I've saved up that amount that is uh good enough for me to put out there as a risk I think then maybe I might


dive into it lah, but, (mmhmm)


(mmhmm) (mmhmm), so in that sense you trying to tell me that when I put in my money for that certain amount of like certain period of time right am I guarantee to get back at least the minimum sum that I put in


oh okay so then, the profits that I gain is based on, like how the marketplace out is it, I see


could, I think any profit is still a profit and the fact that okay cause I didn't know that I get to keep the I get to as in the returns of the investment plan gives me the minimum amount of like the money that I put in so is ya with this new information I think that I don't mind trying out endowment plans


is it is it an is that an endowment plan or investment linked policy with what's the difference actually, (mmhmm) (mmhmm)


oh okay


, (hmm)


oh okay I see, oh okay okay, ya (mmhmm)


alright ya, ya ya I think


for myself I think that when I want to step into investments and the markets and all the I would want to make sure that, I have a stable job I have some savings to play with play around with, and maybe once this uh whole COVID situation is over and maybe once the market is a bit more stable and all the economic crisis around the world is a bit more uh


is is is better around the world I think then maybe I might consider, cause it's a it's a risk but I still feel that there'rethere're still merits from merits that might come out from this lah and ya talking about endowment plans and this ILP policies right


I think these are more for maybe the upper class citizens in in the economy those that can afford, to really put up their savings out there, and in looking looking in in in hopes of getting more profits lah but I think the basic


policies that everyone regardless of your economics status like everyone should really think about and go for is is the insurance policies lah so, out of all the insurance policies out there be it uh is a lot travel health uh life


which one do you think is the most important, (mmhmm), ya


, yup


(mmhmm) ya


ya there's only so much that you can claim ya, yes


(mmhmm)


yes, ya I do agree that the government policies out there they are just like a basis for for our our aid like they just help us in


the most like in in the minimum level and that's why I think that health insurance and uh life insurance, those things as things that we need to add on top of the government aided insurances because , you will never know what's going to happen and given


the uncertainty of that we really need to be prepared and, ya money shouldn't be an issue with regards to health and no matter what the situation is we should be thinking of what would be the right decision and, the fact that money could be a problem it should never cloud our judgment lah in such situations so ya


negative experience


alright okay so with this new like climate of COVID and having to you know find different ways of uh, doing our everyday life going about our everyday lives right I've recently started using a lot of food delivery apps which I usually don't this I prefer to to go down there you know choose and have my remarks lah like maybe when I order some food I like to take out something or add some stuff


I I'd like to have that customization when I come when it comes to food, so recently with my experience of a food delivery uh companies right I don't wish to give names lah but I realize that some of them, just do not deliver what


what they promise for for example if I order may be three items from uh a particular restaurant I get two or sometimes I get the wrong order and it's not all it's not once, or twice you know it's happened to me maybe about like I think twice


a week that was the max that that's happened to me right I didn't expect, to get errors in my orders constantly, time after time so I even brought it up to like I even called the company and I brought it up to the superiors and they said that uh sometimes there's some there's these stuff are really out of their hands and it just happens on the ground but but I mean there's there has to be certain measures that they can put into place to make sure that those those errors don't happen right they can't just


put it at uh they can't just , put it as an excuse saying that happens in the ground and stuff like that you know so ya I just feel that sometimes they they do not give me the proper order and stuff like that which really pisses me off because in the end the way they compensate me is through vouchers and all that but


for me on the spot like example I order for dinner right and I get one out of my three items, then how am I going to provide maybe my mum and my dad with the food cause I get my order but my mum and my dad like both of them just did not get the get the order that they ordered and in the end you know we have to find other ways of uh getting dinner and stuff like that so


they maybe they should think about different ways to compensate maybe they should you know have the drivers go back out to the restaurant and go through the the order again and get it back for us because I even called and I was angry because that did not happen like they didn't give me the option to do that they just said that


they can give me vouchers and uh refunds and stuff like that but, they do not really understand the root cause the root problem here so I was really pissed off with that ya how about you any negative experiences so far


ya ya


wait so did you, did you bring it up do you bring it up to the company, oh that's that's


right right okay that's an that's unacceptable actually ya


did you contact the driver


oh I see okay,


exactly


ya ya that's really important, okay


sure


power trip is it


oh my


(mmhmm) (mmhmm)


ya ya ya


, ya ya


ya


alright ya okay talking about faulty equipment , so I'm I'm a big tech guy so I always purchase a lot of uh devices and gadgets so there's always this one place that I frequent near my place and they sell gadgets uh and all kinds of gadgets that that I use


so there's a lot of lot of adapters that I used at home ya HDMI adapters and uh USBC all those kind of adaptor, so I've I already had one for a really long time and it just stopped working so I went down to the shop and it was a different salesperson and I've never seen him before he must have been a trainee similar to your case right must have been a trainee


so I went on and asked him about this particular product I had the model and everything down and I told him the model and stuff he said that they don't sell this item, it was uh, peculiar to me cause the last time I got this item was from them and so I expected them to have the same item right so then I went back home and then I called the shop and I called I talked to the guy who I know who works there right he's ya so he told me that ya ya they have it uh they have in stock and stuff like that


so I went down again, that I I mean it's it's it's good that the shop is nearby cause it'll be really inconvenient for if for example if if the shop is far away ya so that will be really uh uh inconvenient so thank god that I live nearby, so I went down to the shop and I was


I was not going to, try to be angry and stuff because maybe he's trainee and uh he doesn't know the inventory well and stuff like that so I just went down and it was him again and my my friend over there the the the guy that I know who works there he wasn't around


so I went to the trainee and I asked him and I told him that your boss mentioned to me that the the item the USBC adapters available the current the exact model that I'm looking for it's available so I asked him about it I even shown him a picture and again he told me that his it's it's not available


so then on the spot, I called my friend who works there his boss lah basically and I told him to talk to the trainee and, he was uh really rude to me once the the call ended and he was telling me not to not to act like I know everything lah that that I I'm just going to quote his words he was like don't act like you know everything so I was that was when I really got pissed off and I


kinda told him off and that I kinda created uh a uh like a a big thing lah because a lot of people were staring and stuff like that, then I actually brought him I brought him to the aisle where the exact product was being sold and I asked him whether this was the the the the product that I'm looking for and then he was he just he just kept quiet you know


so in that case in in that sense right I'm just uh I just feel like somes some people are just not cut out for sales you know if you want to work in sales you you need to be accommodative to the customers' needs and you've got to be nice to them because


they are seeking your help and you've got to give them all the attention that you can give them because I have work personally I've worked in uh sales before like I've worked at Tangs and stuff like that so I've been a customer rep before doing sales and cashiering and stuff like that so I know what it's like to be


working as a sales uh under sales and talking to customers and just making sure that , they're satisfied so being on the receiving end of such service from that trainee right I was really uh upset and it's not acceptable it's it's really unacceptable so I brought it up to his boss and uh I did I uh unfortunate turn of events he got fired


uh he and then my the the boss was my friend he reassured me that , this won't happen again and that uh he will compensate me in a in a way lah so he gave me about twenty dollars voucher, so although is a negative experience I managed to get something out of it lah


ya, ya okay maybe let's let's let's move on maybe uh let's not talk about products how about maybe uh staycation or any holiday you that you've been to that was negative


was there a rating was there a rating for the hotel oh okay okay is that bad ah ya ya okay


, okay


so the service was okay but it's just the state of the hotel


I see I see okay because I think maybe, ya cause I think service-wise hotels really should the hotel uh staff are well-trained and stuff like that, so for me I think there was I think there was only one negative experience with regards to service actually cause the hotel was was really nice it was nice uh


decor and the hotel was really well-refurbished and you know the food was great and stuff like that was just one particular I'm not sure if they call it bellboy you know those people that carry the luggage ya so, when we first checked in that particular bellboy came in and he brought the carrier the luggage carrier and he expected us to give him a tip


so we gave him five dollars because my family we usually like to uh, give give thanks lah we like to appreciate the help that the staff give us so we like to give thanks so we give that give him about five dollars, and, so we we slowly went up to our hotel room and we expected our luggage to be there to have arrived right but it didn't so we just waited and we went out I think it was uh about eight PM at night when we return back to the hotel room and our luggage was still not there


so uh, we called the front desk and we ask them about uh the state of our luggages because it's been a whole day and we we just haven't gotten our luggages yet so we we were really afraid if our things were stolen or lost


so the hotel ah the staff they checked for us and they called us back and they said that, our luggages were delivered to our room, so then we started searching the the room for our luggages but ya we just didn't find it again and so we gave them their the front desk the bellboy's name and they went to check and they found our luggages at a stairwell like


it just it was just not brought up it was just not brought up in the lift to our rooms I'm not sure if it's a, it's a lapse of uh lapse on the bellboy side like he forgot or stuff like that but we just didn't expect us to didn't expect such service from such a good hotel because first of all


it's it's not cheap and we pay for the service so we expect , good service and no like problems to arise right cause we're there for holiday we're there to relax to have some peace so straight off right off the bat having such a problem such a such a menial problem is something that we were not expecting so


ya we were we're really, we're not pleased by that and, uh my mum made a big deal and then we got compensated with like a free dinners and stuff like that but ya I still don't think that uh such such things should happen in a hotel because they are trained and


ya we pay so much for the service right so ya I didn't expect such a thing and I hope such things don't happen to you guys lah ya, do you use ya go go ahead go ahead


okay (mmhmm) (mmhmm) okay


correct, (mmhmm)


(oo) , , but most of the times it's it's really not


is not expected [lah] you know that customers are going to be tough and (ppb) we we got to you know work hard to satisfy their needs [ah] we just got to pleased them [lah] ya


positive experience, okay so tell me about the positive experience that you had recently


ya ya ya ya I have been there


okay that's nice, ya for me was a bit different actually I've had a lot of a bad experiences with uh food deliveries actually cause, they always give me the wrong orders and stuff like that so I I think I'll just talk about another positive experience that I've had


so it was about uh I think about a month ago I decided to get the the iPad from, from Apple directly, because uh ya I don't like to buy from different like uh other outlets that sell iPads cause I I just feel that it's unreliable lah that's just me so ya I called the Apple hotline and first I got uh I got transferred to just one of the customer agents and he was


uh right off the bat he was just talking to me about, how it could like improve my life and why I would need it like I didn't really need an explanation but he was nice enough nice enough to go out there and talk to me about the different features and why getting an iPad would improve like


the convenience of doing my schoolwork and stuff like that, so I I was interested in getting the promotion which which uh bundles the iPad and the AirPods together so I had to ask him about my


my uh my eligibility, cause I was I'm currently in NS and so uh, I had to ask him if I could use the school promotion cause I'm not currently in school, so he told me that I could find anybody else in my family who


is currently schooling and I could just use their school ID to get the promotion even under my name so I had no clue about that cause I was going into it thinking that I might not be able to get the promotion lah so he was nice enough to think about ways to get me what I want so


I managed to get the iPad through him and actually first at and during the first call I wasn't sure if I should get , the iPad because it was firstly it's quite pricely pricey and uh, so he told me to just give him a call whenever I've decided so he gave me his uh personal


work office number which is something that I did not expect cause I thought that customer agents get a million calls a day so they don't expect, to you know have the same customer again because they just want to get sales right, so plus I wasn't even sure if I was going to get the iPad so


ya I was really impressed by his hospitality and he made me feel like I should take my time to consider the different options even give me other Apple devices cheaper options that I should consider, so ya I called him back and he actually remembered me I called him back about a week later and he remembered me and he had all my details down already it uh from the first call so I didn't have to go through the whole process again


so is very smooth and ya uh it was a great experience lah cause I did not expect such service from, a customer service agent over at Apple cause, they have tons of calls every day so ya it was something that I didn't expect and it was a really good pos- it was really good experience


ya his name Kairul ya , ya okay, so you are talking about food right so are you a big foodie


okay then, talk about like maybe, a favourite place that you like to go to eat since you are so picky


ya ya the wood the open wood oven ya


right right


ya alright actually I've been there I think the name of the restaurant is #trattoria di mino# if I'm not wrong lah, ya so I've been there with my family as well like ya so the food there is actually really good I've given lots of good reviews for the place


and ya I've been to a lot of italian restaurants and, this is these this restaurant is one of the, it's it's a it's a it's kind of a high class restaurant but just not there yet you know it's not those , restaurants you see in hotels and all those stuff although his food has the same quality it's about the same and I think he's just really underrated I just think that because


it's a small spot and not many people know about it it's it's in a Ulu place you know and maybe the people that really frequent that place is is usual uh usually the people that live around there that area ya, so I think uh what what's your


ya ya I was just about to get into that I think my favourite dish would be the lasagna you know I've been to many many different countries to try the lasagna like and I think this


#mimos mimos# lasagna might just be the best that I've tried and I've been to america and like different european states and had their best lasagna that they could offer cause I'm a big fan of lasagna and I think that


just Mimo just does the best lasagna I've tried ya just can't explain it any better lah you know it just it's just really good and it's always fresh like you said his produce is always fresh and has the highest quality that you can find ya how about you


right right oh okay


okay let's talk about drinks what's your favourite drink


maybe a bubble tea or something, (ugh), it's so basic , ya okay


ya I've never ordered that


I think for me I like uh the ice-blended from coffee bean the caramel ice-blended you know there's all the there's this


oh that's nah I'm I'm not really a fan of bubble tea you know I just I like coffee-based drinks especially the frappuccino kind but I think Starbucks is just uh just overrated lah I don't think their drinks are the best, it just overpriced you know although Coffee Bean is about the same price I just feel like you get more of the the coffee flavor mixed in really well like blended in with the sweet caramel taste there's a bit of nut


oh no actually why have you have you ya have you, ya I don't think they do that lah okay anyways ya I just like Coffee Bean as a whole the place they usually decorate the place really well mixed it's it's a good spot for me to study as well I usually go there to study with with my friends ya


, ya ya


ya,


ya alright then I guess it's a personal preference lah I I know a lot of my friends who just like to go to Starbucks and just hate Coffee Bean lah which I don't understand but ya it's still a personal preference ya


alright maybe you can talk about something that you've purchased recently that uh actually not recently something that you've purchased a long time ago that still last till now you know


oh okay okay let's let's go back to Apple because I've always been a big fan of Apple lah so although my I use uh I always use Android for ya Android phones but I just prefer Apple with regards to their desktops and their laptops and now recently the iPad


I've always had good experiences with all their products and ya I'm really satisfied with , my laptop purchase which I made back in uh from a this way it was way back it was, I think it was two thousand and thirteen if I'm not wrong ya twenty thirteen I had I had made the purchase like the MacBook pro


and up till now I've still been using the same MacBook and ya it hasn't been giving me any problems like, no battery issues and stuff like that I feel like it's going to it ya ya ya so ya I'm just really grateful cause I mean I take care of the laptop I make sure I don't leave too much junk in there I clear my disk space and all that


but I think just the hardware in itself the fact that it has is managed to last for so many years it's uh it's it's a very big thing lah I think, I I I've never really had such experiences with other brandings like I've had Dell laptops I've had Sony laptops and stuff like that and they usually breakdown after maybe five years lah that's that's the max I've I've I've used


so I've always had to replace the laptops, , I I won't say I won't say that it's the same quality cause I mean apple always comes up with new hardwares and softwares that really make their devices top notch you know so I feel that although my laptop is not as advanced as the new ones that are coming up is like now


I still feel that it still does its job uh really well and, ya I just hope that it doesn't break down soon lah because I've been using it for so long it's been a part of me for so long , ya , uh no but I don't like their phones though it's too it's too fragile I can't deal you know cause I drop I drop my phones way too many times and if I drop my my iPhone if I get if I get an iPhone and I drop it it's going to cost me like a hundred fifty bucks just to change the


LCD screen and stuff like that so I'm not willing to to put in that much maintenance, for my iPhone ya, how about you are you a big Apple fan


there's nice food at waterway point, but i really don't mind going down to #dhoby ghaut# if it's easier. straight purple line for me oh , AirPods, oh oh ya ya okay


, so there are really good sales salesperson like alright , have you ever used, ya ya go on go on go on you go on


have you ever used any uh Android devices before, oh, oh how was your experience,


no but when it comes down to it right when it when it when it comes down to it I feel that it's still it's really up to like commercializing and marketing cause everybody thinks that apple is the best brand out there cause ya it's just cause of


ya exactly which is what I'm trying to say that they really commercialize and market their products, to the best and I think is the best advertising I've seen because all their videos of their their new releases and all the features that they nicely like put into the video right this is something that I don't see in other other brandings out there like Samsung and or maybe Oppo like Oppo is at up and coming


uh phone out but I still think Apple really does a good job I mean their products do deliver and ya I think it's still up to personal preference and ya


part one finance topic one, , yes I do have a saving account


my savings account is POSB savings account I actually have been using it I've been using kid's account since I was young and then as when I grow older it's still under that same account I don't really change a number about it


so , okay to about my savings account I think that it's good that as a kid we since young we have a passbook savings account, because it allows us to save more financially


so and then on top of that savings account I actually opened up another savings account that is linked to my main account whereby they actually deduct some amount of my main savings account, to manage my savings monthly like for example I will put


uh they will auto-deduct monthly and for example if I put the limit of like oh I want to have a minimum of fifty dollars deducted every month so on this day then on that day ah let's say first of the month every first of their month right every first of the month they will deduct


fifty dollars from my bank account and if I let's say if I don't have fifty dollars they will strike one, and then I think if I'm not mistaken three after three three strikes that savings account will be closed so in my opinion I feel that


enabling us to have that kind of savings account is a good idea because some people are actually not disciplined in a sense whereby like monthly they will set aside a certain amount they, might not even have the remaining money left to put on the savings account don't you think so like sometimes you just have you receive your pay and then you spend for your expenses and then you left with a little bit of money but because of this account right I think it allows us to have a float for savings what about you


oh same also


agree agree agree , ya POSB DBS e-savings account something like that or ya but do you think that it's somehow it can be a like there's downsides to it there's disadvantages to that do you think


uh ya, for me I think there's good of course in everything there is good and bad so when it comes to this <B>


there is flexibility and it's not like any savings account whereby they say oh you have to have a certain amount inside your savings if not you'll be penalised at if I'm not mistaken that account, doesn't do that ah they don't have a minimum limit but in a sense they allow you to edit and how do I say like you have control because you have control you might


example I'm left with fifty dollars exactly fifty dollars so you imagine I have to save that bank account in order to retain my in order not to get cancelled right so


I put my fifty dollar, on the bank so that okay I transfer the fifty dollar out of my savings account then put to my main bank account and then it will be transferred back to the account so in a sense it is how do I say


a disadvantage because people's the there there is a loophole inside there like you can just transfer it out and transfer back to you but in the end the balance is still let's say fifty it never goes up you know what I'm saying, ya I I mean I mean please don't do that


sure


so you're saying there's transparency is it, uh is it good to have transparency between your partner, like when it comes to finances


I see I see okay , for me I think it is compulsory lah for couples to have a joint account because I mean it it not just finances-wise but everything about relationship it has to work both ways it cannot just be one person like spending all the money like getting all the earning all the money and spending all that money because


in in that in that sense you might as well you you know just get married to yourself, but then again for myself I just like yours I have the joint account but on top of that I have to set aside for my own personal savings you know in case of like stormy weather or like you know unexpected


it just unforeseen circumstances that you really don't expect so you for me is yes go ahead have a joint saving account so that again transparency is good and you can have more control in your finances especially when it comes to like family stuff


you both of you will know how much, how much you already have and you know like you know how to work towards that goal in that sense and then, so about the savings account my savings account I think if I'm not mistaken is the POSB E-savings account


, when I actually registered for that I was under twenty-one years old and they said that , they don't have a limit for for certain groups of people and one of them is the under twenty-one years old you don't have to have


five hundred dollars in your account ah if I'm not mistaken and they waive penalty fees for like saving below that certain amount so it's a good thing also if I'm not mistaken NS men also is being waived off, ya and and they gave us a choice to choose what type of cards we want do you want just an ATM card do you want a credit ah no like a Visa or Master so there there is options


ya same


I think if you're young and you have a credit card it just means that your family is financially stable cause it's very hard ya


okay so do you have a debit card if yes share experience with your debit card


so debit card Visa or Master better to you I personally think that


Master have more, like discounts when you go to shops they have rebates and stuff more of that compared to Visa but I, to me it doesn't I don't really know the differences when it comes to Master or Visa but I mean nowadays they have many plenty of options to choose from when you go contactless you can either go


for like PayWave you like but uh Visa Master or NETS or net NETS contactless payment and on top of that you can also use like what the the Fave Fave like you scan the QR


pay PayNow PayLah but you don't really typically need a card you just need an account and then you can just


but I wish , !aiya! PayLah PayNow and everything so there's like digitalisation of finances and I mean it can be both good and bad because since everything is at the edge of your fingertips and


for me the bad thing the bad side of it is that it like it can be it can cause data breach you know what I'm saying like you lost your phone you lost your card, so it's good as losing everything if if if you place everything in your phone so do you put like your bank details in your phone do you have like iBanking and stuff for or like apple pay


yes, it can be hacked easily lah it can be hacked even even though it's very compact


so, so in conclusion I think I'd rather have just a debit card lah ya simple, oh of course I mean nowadays like we just have to adapt with the situation you know what I'm saying like you cannot be the only one who doesn't have iBanking


ya I don't want to spend queuing for so long it you know like waiting waiting time at the bank office so, I mean it's it it is of course easier to have iBanking and you know PayLah especially when I was in school they encouraged us to use PayLah you just scan and then use your phone scan and then pick transfer the money that's it but


then like that ya then again it's just the data, breach lah okay moving on, at what age should a child be given an ATM card to manage their own bank account


so you are saying when they're younger don't give them their passbook account or like don't let them see how much they have oh okay for me I think like it shouldn't define majority so yes I can give my kid but depending on how


how mature they are how responsible they are of course of course you have to see that that way like if if they are very in a sense like not money savvy of course I wouldn't do it, but I think it's it's a good thing that we give them and responsibility and experience to you know save their own money and like


have just have a responsibility of you know controlling their own spendings I mean not that they can spend every time you know but every single time they see their bank account they will feel like, a sense of ownership and when they have that sense of ownership I think it will actually pushed them to become more how do I say money-minded like you know how how ya ya how important money is because


I don't know lah it's just like you just learn how to spend wisely you just know how to save more and plus you'll be more like proud of yourself, like !hey! I'm only this age and then I can you know save and then ya ya ya ya that's it I mean personally I think you also mentioned that you have kid's account right but did you hold your passbook account did you get to keep it to yourself


uh


I think it, ATM card they I if I'm not mistaken they have an age limit if you want to have unless your parents agree to you know let you have it but if let's say if you want to give a try an ATM card I think I'd rather just let them use NETS card you know the POSB the very old card ya just that if they want an ATM card but


for myself I think my parents, they don't know that we can have ATM card so they just gave me my the passbook and then I waited until I was sixteen, and they actually told me if you wanted early you could have just brought your parents to ask for ATM card but what happened was you know like I you know school you receive bursary right I receive let's say for example hundred dollars and then my parents decided to go for a trip to let's say JB


and then I will like use maybe about like thirty dollars and convert it to know RM for my own expenses so like you just have a sense of ownership for and responsibility lah that's like a good thing and then


there are times whereby my parents actually trusted me to you know handle their ATM card, because I because I didn't have any right so they they told me like eh can you withdraw my money using my ATM card I think it give it gives us a sense of like responsibility and trust that we you know we can actually do it and I mean I'm not trying to praise myself but I think it makes me more


not not like a big spender type you know but I know where when to spend and I know when to save so in a sense ya it it really really really helps me, ya


on okay let's talk about like the previous topic maybe I can add on I like to add on that like nowadays kids, you you just have to be careful with like kids nowadays ah they because they might have bad influence and even though you teach them to how to properly handle your money right friends friends can actually tell them otherwise so


yes ya so maybe now nowadays I you know for my future kids or something I wouldn't no handle them an ATM and tell them to keep it on their own ya uh it just it just time like


time changes people change like even kids mindset also change so I think for starters maybe if they want to keep maybe their parents can keep it and then but then just not use a debit card just an ATM card only


part three negative experience


but let's say about your case lah would you blame let's say for example if you took a wrong order, do you blame the, the workers for you know just giving the wrong order or, do you brush it off and say like or it might be


and so at to what extent then you will complain, so when did that ever happen to you, no but eh okay, so for me personally


okay let's talk about the one motorcycle shop so at that point of time I just gotten my license and you know how you know how people are just, very excited to buy their bikes and stuff right so Shafiq was actually my first rider for the bike he was the first name


inserted in the motorbike but then, he was not available to collect the bike and to actually, survey the bike, so at that point of time when I went to collect the bike, okay this particular shop


was recommended by my brother-in-law and he wasn't like okay this is the only bike that has the model that you wanted so me being me I was just don't like it it's okay lah as long as I get that bike then it's fine let's just go to the shop and see


so when we first got to the shop, there were a lot a lot of bike so they had options however when we reached there right it took them like thirty minutes to acknowledge me, then I felt like maybe okay maybe they are they have shortage of manpower but then when I go upstairs they actually have more staffs that are not doing anything so I'm like okay maybe they don't know that I'm here to buy I'm here to like look for bike so it's okay


and then after awhile, I realised that someone just came like someone else just came, and, that person knew the boss and they would immediately serve with like like kings and queens so in my head I was just thinking like oh are they not acknowledging me ah like are they like you know like is this right I don't think that's right right


so but then but then again I brush it off because I'm I thought maybe like oh okay maybe they had an appointment or, something and then when it eh when it was time to collect the bike, they just told me okay this is your keys and just go home with it but didn't they didn't explain anything to me they didn't gave me any documents they didn't basically they didn't really ask me to even inspect the bike on the spot but


then again I had no experience in it so I, don't know about it and I just went along with what they told me to do, and then, a few months late, okay, we know that the bike they had a few, minor problems with the bike and they told us


they told me that !hey! , this bike has this problem but then, we actually you know we, fixed this fixed the issue already so now there's no more issue the bike is perfectly fine but I think six months with the bike uh with the motorcycle there were a lot of issues that I didn't know because


I'm just not sure about how the mechanics all about and then and then I realised that uh there were a lot of broken pieces of the bike it was not in perfect condition like the was it the clutch housing was burned


and then the chain was not changed and then the clutch, there's like clutch slip which, can get actually dangerous you know it can really cause us to get into an accident if if if we're unlucky so


in my head oh I just felt very cheated I I'm sure you were there with me also right so what do you feel about that whole experience


but that what was your first experience of that that shop and their services like what's your first impression


actually there was nothing for us to do because we signed the contract and stuff but then again it was just


a a matter of how honest they were or how, how, you know how proud they are of doing the things if you're proud you will do it right but for


one of the person that handles their their social media actually sorry the person that handles their social media they acknowledged you for it but then after a few months later they said that you've you haven't been paying for quite sometime ya


ya for me personally I think that they will just they you really just want to faster quickly close the sale because then they will get that money but then they just don't care about the quality, and from what, ya from what I understand also right


they they, their they operate on the industrial warehouse kind where by the first floor is the work workshop and the second floor is the mini office and when, we go up to the office my first impression was like how can you live with it like it was a small office but yes the papers were ya the papers were everywhere and


that could be one of the reason why they accuse you of you know late payment and stuff because, they might have misplaced their papers they might have, not even printed your documents or something it was really very messy you only have one aisle where a very skinny person can walk like very very skinny person one person can walk that aisle that's all and like I think documents from ten twenty years ago was still there it was really


messy and not organise and I just think that that was, ya and okay


I really have nothing against <B>, but then I think one of their staff is from, China but she she was, trying I don't know how to say it but like, she


tried she how do I how do I say it like okay like, okay I understand that chinese mandarin is one of the most spoken language I do understand mandarin but very little but she chose not to converse in english and just scolded me in chinese just right off the bat which is like and continued the conversation in chinese but I'm like


and then when it was being brought to a second person like nobody apologise me for that like nobody even said like !hey! sorry for that staff you know maybe she's having a bad day, like I don't understand I don't understand why would you have such bad customer service and you know what I'm saying


and, I just because of that particular store ever since that incident whereby, you were accused of you know not paying, and then you had to pay for a certain amount of penalty right we started to like


Google search, on every single store that we want to go to and then the first time we search about that store we realise that they have a lot of negative, reviews online which, if we had to if were if we were to search earlier we would have known that we would have known better lah like this store have


known mixed mixed reviews about it, but it was very negative experience online and people were just like saying do not go to the store just in caps and exclamation marks worst customer service ever and then let's say this person


like the our salesperson his name was there and then they were like saying oh he is not a good good salesperson the boss is not good, so in in in of course as a customer we would like doubting at him both of our bikes are still under the shop's name


so is it really safe that we like is it safe to you know proceed with them right now we were just really doubting about their their their services and product lah so we never really contact to them for anything


okay let's say because we work in this it in a similar line, we, fix vehicles but it just a different set of vehicles if let's say you were to receive complains that !hey! your staff is like that what would you do to have


in order to have a good customer service you have as a company you have to have a good communication is that what you think, ya I agree with that too, and also on how how the company empowers their staff, like if you have a bad company engagement if you have a bad relationship in the company internal company what makes you so sure that this particular salesperson will be able to


you know drive the like sell to the customer in a very, positive experience, to you know like because I'm I'm, not sure lah but I just feel that, for this company that we are talk we've been talking about they really have a bad


company, code and ethics in a way, because, do you remember with the part when you, your motorcycle was being repaired under them they told you that they, purchase the items right they purchase parts


to replace, but in the but in the end they never purchase with and they charge, you how much, over three thousand for the parts replacement, and then in the end, we found out that it wasn't it wasn't being replaced they just


it's not saying that it's not good but you can do that way at least be honest with your <B>


told you err I buy this part already ah this part is one thousand, so you have to pay me back ah one thousand but they never really even buy that part to begin with, and they made us wait for three months or so


but if he knows about it and he don't do anything about it


not just me having the bad experience it's you know him also and some other friend as well, and if, if more than one person is going through that kind of experience and even online we have that those with bad reviews, I guess maybe, they think that they should change


something, in order to to you know have it a pleasant experience for everyone because because this is not just you know you buy lollipop in a store it's a, vehicle that you tie with the company for ten like ya ya


ya and it's vehicle it's something dangerous you know what I'm saying, and you cannot just , you cannot just fix a broken thing and say that you buy it because, if let's say that broken thing broke again, and it cost our life who is going to you know like in in the end it's our insurance that is affected not the company's insurance


ya research ah ya research


part two positive experience, okay, so describe a positive experience that you have with a consumer product or service to your conversation partner you want to begin first


I start first okay so, okay as you know that I have recently developed acne breakout and it was very devastating for me lah and then I tried every single thing then doesn't work but


there was this one incident like I just had the, feeling to you know enter Watsons it's fine just enter Watsons and look for some products that can help and then this lady she was uh one of the sales rep she came to me and like ask me hi are you looking she notice my face that time was before COVID period she notice my my the situation of my face and then she's like


hi do you need any help are you looking for acne products then I said yes but I don't know which one to choose because, because most of them are quite you know I was seventeen and then it was quite expensive but then she was she was helping me to uh what explaining me all these things like okay this is product one this is what it does us what it this is the benefit and this is uh the cons which are very less and this is


how much it cost and then oh this is product two from a different brand you can also try this which is which she was not being very pushy on selling the product and she she's not, just focusing on one item that I notice so then I ask her like what is your role here lah and then she was saying oh she's actually Watsons manager she's not representing any any of the you know brands to sell


their particular product of but she was just being helpful to me out of nowhere, sorry out of nowhere she was just being helpful to me and decided to like you know help me out and find the the brand then she was like saying oh okay is this one product that she recommended me ah I forget off the bat what is the name of the product but she was like saying okay we currently we have this buy one get one free and then she


told me she I can try this so I can, get one more extra item but if it doesn't work on me she told me to personally see her and like you know she can try to do an exchange or something and she went back to this her store and proceeded to give me, samples of other brand that I can try as well that was actually very expensive in the beginning lah when I see it but then I went home tried the product and it worked so it kind of improve my acne and not only that she was not being very pushy


to in a sense that she was forcing me to buy something she she actually let me have a choice and gave me some time to choose the product to like see the ingredient list and everything and and she allowed uh like allowed me to have a choice in what I wanted


but then she gave recommended me also help me along with it, and then in the end that product worked for me lah, as mentioned like it was not, it did it did not cause much breakout in that like after that, but


and also I told her like what I wanted as I said like oh I don't want this I don't want this and I want it to be fragrance-free which she she really listen to my concerns lah so I think that was one of the experiences I had, with ya what about you


but why did you decided to just take that particular you said GNC brand right why would you give a try, uh


I see I see, so maybe you can continue about from my story right about the acne journey so as you know I struggled with it like went on and off came back


and then currently I've met with a few, doctors with a few friends with a few these like professionals not so professional but like they have knowledge and they recommended me certain items that actually


, it's my skincare routine now so, let's talk about the skins care skincare routine I think that's something that I like to talk about as well and I, I hope that you you can add onto it also lah, so


uh my face is rather oily, but sensitive so , in the morning I'll just, try to, I will use a certain product that's different uh at night like because in the morning your my face is I don't know it's just drier than usual compared to night time so I will use serum


which is, from The Ordinary's brand and it actually is containing niacinamide if I'm not mistaken they say that it helps you it is a anti-ageing product product anti-ageing product and helps with acne scars and then


after the, after the serum I will proceed with using the moisturiser actually moisturiser is crucial part in your routine like even if you don't don't really care about you know like beauty-wise and stuff


you, should at least put moisturiser I think that's why I told you what one point of time like !hey! maybe you should try moisturiser right, ya, and then night time I will use my, acne, product and sometimes I will just use a powder that I don't know I just have a powder on my


face to sleep with it and it actually causes a tingling sensation that I found out that when it caused a tingling sensation it doesn't necessarily mean that it's a good product, did you know that, ya, so in the end I just collated a few


, items and I just kept it at a minimum to help if, my face lah


do you have any other examples of satisfactory or positive reviews of products


what's your <B>, okay I as you know there's like a few local I have very little knowledge of bubble teas so I'm not sure whether they're local or not but I'm pretty sure


my point is to argue right


okay so <B>, just compare the main product ah which is milk tea ah the milk tea is to me the sweetness level is just nice for me and it's not so some tea can make you feel dizzy I just don't know about you ah some tea can make you feel dizzy and then


I think for me LiHO is just the the the the the taste is just right for me and then the size-wise is very compact and handy and it's not bulky plus the cup is, let's say you drop it on the floor right it won't break easily compared to like cheap cup quality kind of thing you know I'm saying and then they also have a promotion that if I I I'm not sure how much is it now but they have a promotion for student price milk tea which


if I'm not mistaken it's two dollar or three dollars for milk tea, only then you just pay for the topping price if you want the toppings so that's why I prefer LiHO over Gong Cha, thus I think I just think that Gong Cha is a bit overrated lah


I'm not sure


and that we I was finding, , a wedding ring and then we went to a few shops to, actually survey survey the rings and stuff but then I think


better than anything else, so , it's Meyson Jewellery right , I'm not sure lah but I think, they really, care for each and every customer and they don't really judge you for the way you look you know how some


some jewelry stores, or like let's say Gucci or high-end brand stores lah, they actually the the the sales staff, judge you based on your outfit before they actually proceed to you, that is normal because they just want to to estimate how how


how, how much you are able to spend or like how much you're willing to spend based just based off your looks right but for this store, they actually were very nice being very nice to us and they, were very consistent about it it's not just one person it's like all of them they were giving just a very pleasant experience


in assisting us assisting me particularly to find the right the right we you know like all these kind of thing you cannot just rush rush things right, so we stayed there for like many hours but they stayed patient with us and explain to us like oh okay this is this diamond this is this cut


this diamond has like you know more shiny and stuff and like if you want to go for gold these are the options if you want to go for these these are the options they were really giving us choices lah I think as a consumer, we want to have, we want to have our own decisions we want to have our own choices but we also want to have inputs especially when you don't really understand about a certain products so we want


the salesperson to share with us some things like !hey! did you know that this this this this this I think for me as consumer it would uh consumer demands of that of, you lah so, when we were in the store, I think the store was also well well-lit some other stores were like orange lighting which


actually kind of affects the way how the ring looks you know I'm saying, ya and then they were being very polite as well because, when let's say if, let's say male is trying on my the ring for me ah because they're professionals obviously they will know how to know see the rings and stuff so you uh if it was a male trying


to put the ring on me testing the ring out they'll be like oh sorry ya, we were just trying I hope you don't mind that like they were being very polite and they understand your needs they understand your wants and especially, okay the salesperson was a chinese so chinese and I don't think she she was a muslim and then she knows our she knows our requirements she knows our


know basically everything about, religion and like racial differences of how we know we put the rings at where what what we need, and she just knows our needs lah, so I think that was one of the positive experience that I've gotten


part one finance topic one, okay so do you have a saving account


okay for for for myself uh, my saving account is, uh already been been I've already had the the POSB, kid's account uh since young with my mom and then, uh monthly uh she she will like put a certain amount


I think maybe about fifty dollars per month or what something like that, for me to you know uh somehow save save save from from kid time ah from young time, so , by the time when when, the the the when I'm getting older after twenty one then


and the the account uh, my mum gave it to me so so it's not an uh it's no longer a kid's account it's already transferred to an account already uh so but but, uh the type of saving account that I have right now in as in myself is from


from uh, doing you know the like like like is the one you did ah, ah the one you did ah same ah, is, uh the got the strike one strike two strike three that kind of stuff ah, so the and also I uh


the thought of doing, the monthly uh deduction automatic one ah it it's really a good it's a good way for you for you to to to to do savings ah, uh that's for my my thought ah


uh and it's under DBS if I'm not wrong right now


where the downside is actually, you know you you it's called saving money so somehow you wouldn't have lesser money right so the just just the the that's the downside ah but, there's more positive side to it ah as as you are actually


uh turn turning, turning your your life actually right now, so so that you can save uh more and more ah, and that's my my my personal thinking ah about that


ah ya I get you I get you


, okay so next uh, do you think couple should combine their finances and open a joint account, what do you think about that or should should should you say


okay I I shall share share my personal thoughts on that ah, uh, for my my thoughts that that, that, ah the for what I think ah, the joint account is actually a good good investment and it's a good uh ah for for for young couples had to know to start off their finances


together and stuff so what I at at at a certain, point when it hits their you know requirement and things you know that kind of, that kind of, stuff they they will, they will uh


experience the kind of where they they they did, they did what they did ah I'm sorry they they did what what they have to do ah wait which is uh saving, and then saving a joint saving in a joint account where the


uh we can actually see, a more higher, uh, amount ah of money


ya better, you know when when when this kind of transparency is just a a limitation you know where where you know your own, your own savings and you know how much, uh, has been has been you know gone to to to uh the joint account


so it's a, it's a better thing for me ah because, as long as you know there's there's a money there and then you know you have your own money and then that that's it that's more than enough for you, that kind of, that's my thinking ah what about yours


uh ya


no I I for me it's just a normal debit card ah it's more than enough to all those ATM normal ATM card ah, I I don't I won't go for credit card, that that's that's a a a, uh not a good uh


way for me to start up my life right now when you know those those you see, uh midlife crisis that kind of stuff stuff right ah, ya I I don't want I don't want that to happen


ya families is financially stable but I I won't be that financial stable yet ah so that's the most important ah, ya I do I have a debit card ah


uh experience-wise uh, as long as there's money inside the debit card is is a really good thing ah well debit card uh is actually uh I can I can use it for for for my stuff ah


oh my one is just Visa


okay Apple Pay also is a good is a good choice, okay we pause alright we pause awhile <NEN>


ya uh I thinking and then that kind of thing ya of course uh most of people have right, so uh what I think or was thinking was to, to, you know that kind of uh iBanking you have PayLah that kind of thing right is actually


you know sometimes scary you know because, uh it can, the those type of things can be you know stolen easily ah, because this type of technology is sometimes it's hard to control, ya, ya can be hacked easily lah


uh so what how what what is about on your end uh do you have any having iBanking or anything


(uh huh) ya


(oo) I see I see, uh for me for myself uh


after sixteen will be good ah it's a it's a way to start your off start off their, their their you know life and then start off your savings accounts start off their, their, uh ATM card account you know that kind of thing ah


ya that's to me to me that's the better the better age ah


ya actually ya that's true that's true


okay handling kind of stuff ya, (mmhmm), ah no no no I I I didn't get to to hold or see my my my own passbook account


and just for for the sake of you know not not me spending my own money ah so , when I think about sixteen seventeen year old, I just got got my my first ATM card and then I got my my first time I use an ATM card ah


ya and that's how I learn ah


ya ya ya


good and that kind of thing ah, so, what else would you like to share


that they have to they have to you know uh take care of their own money ah because you know peer pressures eh


negative experience, so my negative experience on let's see I I am a very picky eater you know I have a very negative experience on food and beverage so


food I I I can't eat you know those kind of like, uh let's say meat let's say meat, I'm not a medium medium type of person medium rare type of person you know I have to be like a full full full uh steak you know like where literally a full-cooked steak you know that kind of thing so


I I will ever went to this uh you know Eighteen Chefs, Eighteen Chefs ah really uh, it's a it's a nice place lah but, you know they usually take you know those, kind of like yellow ribbons and stuff so the the the services are not that good you know


the services on uh the way they interact to us and that kind of stuff and the food is just, not there lah not there yet, so I let say ah , let's say you when you go to McDonald's or you know KFC and stuff


you know it's just a fast food restaurant right and then you just go there and, done you your your food is there, but at times also you know those these these type of people ah they, they I don't know I don't really know what what they're thinking you know


uh sometimes I I ordered for a double McSpicy and you know I still receive I still receive a McSpicy that is just McSpicy, uh then they also does uh did some mistakes ah and stuff that's that's my negative comment ah on on this small matter so what what about about yours


I oh I just brush it off ah and then I just I just don't don't want a you know break break things out ah


to an extent where I don't literally receive my food ah, ah no not yet


once once hit right once once it's done it's done ah, so, I don't think, anything that it could be done ah we just have to you know like, like, do do what what what is right ah


and them , next time we just don't go go to that same shop only you did ah ya


it at first it was good ah because you know everything was was going smooth and stuff, until until those those kind of small small problems, they don't want to settle it for us right, so it becomes a big problem to us also so when when when


everything is really, at at a peak of, wrongs and rights right so I I also cannot say much ah because we we bought the bike already so ya


ya this this motor this motorbike shop ah I I really have a very negative aspect on it ah because, I ever I ever, uh like I I I give I give a, payment for them already on that month and then suddenly he say I I've not I haven't been paying


when actually in the you know in the statements state really states that I already paid, uh I gave a bank account statement already and it the statement already paid, to to them and actually, the accountant the the accounting uh


department did didn't really check properly so that kind of things right usually can can, lead to misunderstandings and stuff so I don't think their service is just that good ah they are they are just uh, I give them a very very negative at uh review on that ah


ya so it's like their internal communication are just wrong and then they have to find out, to us and then we we are here like we we've been saying to them that we've been paying and stuff, and they won't they just want don't want to to understand so it's like you know when I call I call the person the the fella and then the fella just why uh why you didn't pay and stuff I want to sue you uh I want to like fine you for four hundred dollars cause you are you have late payment and stuff so it's like unfair for me ah


and, when when I really, uh got got got fed up when I when I, uh ask them to check and where I really give them the proof that I already paid, then actually I wanted to you know fine them ah and sue them ah


about about how they they they approach me how they you know force me and stuff ah to to to actually pay, when actually it's their own misunderstanding, so it's a very bad way of uh you know having a sales department just like the head and then having a very bad impression to people lah they they don't have their own uh mutual understanding


on who to do things on who you know who to update, and stuff, so it's like all like like Rojak like you know run run here run there


it's like better quality ah no no quality ah from them


it's a very very dirty office and a very very messy


and I don't think they have a system you know for like a very systematic way for them to do to do to do their work and stuff, so it's not a good uh opportunity there ah


ya that kind of thing ah, ya correct correct true true, so I don't think uh, that they are good uh source ah to to, to do sales and products


have to do something to the to the staff ah you have to like first advise and then second this you know talk talk talk, ya this communication is key actually, you don't have that communication, of of course one side will will will collapse you know


in a each and every company that, that you are in, whatever it is more communication is the most important thing in in all, so if you don't have this, let's say you you're let's say you are, having a product you know and then your sales went went out


and then your sales already got the job


ya so it's like if they one person don't do their job you know the the the the tree ah, really cut you know and then you cannot cannot do cannot do anything, so like the below people only will just follow what ah then if like from the top ah they never reach until below the below also just


just heck care and don't know what to do ah so that's my point of point of view ah on on these kind of things


the old one refurbish and then ya and put back


ya everything is not right ah from the company ah that's for from my point of view ah, so like whatever it is you have to make sure your communication is there your honesty is there, so


ya as a boss you over there ah I guess he should be a very, embarrassed kind of person you know like, he it's really embarrassing for all the staffs to do like that, ya


then he is the problem ah


for a certain of years, true true so ya


so in conclusion right this uh negative, things right from from all over the world it's not just one company it's everywhere, so it's just make sure we have to like know see things first survey our things first what to do and what not to do ah this is this a good place to start or this is this a bad place to start you know that kind of thing really have to


check ah and do our homeworks ah before before we really purchase and stuff ah that's the the better better way of doing things right now ah rather than you know you jump in in into one thing and then you know you you then you realise lately


part two positive experience


the experience that I had is more to, uh consuming products for, uh sports and fitness ah, so like technically, I usually do sports uh at an at an often occasion so I would need uh you know those kind of like energy boosters and stuff


know aside from Red Bull lah those energy drinks ah so, when when when let's say I have I have training on on a monday and then tuesday is a rest day and then wednesday, it's another training day so I don't my my body is not not capable of having you know the the kind of rest and the time


to to to actually rebuild itself uh to to my hundred percent on let's say on the wednesday ah, so, uh I I I took in these these kind of products like like


the you know those kind of in GNC products and that you you know make make your body uh feel much better, ah when when you are doing uh when you are doing fitness and sports, so when when I I eat them ya I get I can surely give you a positive feedback on at on that as as it's really working towards me


and, I I would really ah uh give a, positive uh review on on it lah, let's say like I I get some some products ah I I did try a few products ah uh on on on these kind of uh uh things because you know different people different body ah then they won't uh


they won't know you know your your your own self what what what you need what what uh what you are lack of and stuff so the best is you try one by one and once you try one by one and then you you will know what what is, the most capable and the most things that you need for in in that product


uh, that's for from from my experience ah through sports and fitness but but at the same time through health and wellness is you is also conjunction with sports and fitness also as you know you will need your health and health and wellness uh products to you know to come in handy


before you take the sports and fitness you need health and, and stuff ah you know when when you do sports you do sports for health, and then when you don't have that health you can't, can't have that fitness you know ah that kind that kind of stuff, so


actually this this thing really covers uh more on health and wellness sports and fitness also so so ya that that's my point of view lah, ah that not not that that is just an example I'm just giving an example like like it's a GNC brand because there's a lot of brands in singapore but the most I mean famous one is GNC so it's a better you know better things for me to to to lay out ah


okay let's move on


okay let's uh discuss your your most favourite bubble tea


okay let's let's let's let's put it this way because, you prefer LiHO and I prefer Gong Cha so, so what's what's your your your your, your point of view of LiHO


okay for for my for my uh, point of view Gong Cha is a way better, better bubble tea, rather than uh LiHO as as you know the sweetness level is just right and then LiHO is just too sweet, then the ingredients also and the pearls and and stuff it's more better with the way uh Gong Cha deal with it


as, the yes LiHO is just like you know everything comes in very very sweet and then, really really you just push me to diabetes you know and and, and then , the the quality wise for for for LiHO is is just about okay can can give it about seventy over hundred ah that kind of thing but


where where Gong Cha the quality is is there you know you you, you get seats at Gong Cha where do where where do you get seats at LiHO, you know you can can sit down and and drink with your friends, rather than that uh


okay and then , let's say uh uh, let's talk about uh this, type of uh entertainment places you know


for me like my positive experience on uh travel service ah, travel service ah I I I do travel a lot and I did every kind of uh, every kind of air air air from air to land to


to to sea and then I I went through uh almost everything ah so like let's say uh I I I I can give a very positive feedback on, uh SIA, let's say got they are the, their service is just top-notch


you know that kind of thing and you know they really give you what what you want and stuff, ah and like let's say uh, I do okay when I travel to, through sea and, uh I usually like let's say we go go Batam ah and when go Batam right and then


uh the the way of the way they they treat us, from from from the let's say from the immigration to the to the ferry and, you know don't do the journey towards towards towards the #batam batam# there you know you


you are just you know yourself you know free free and easy when when the safety protocols, are are just there, you know you have to read yourself, and then you have to to find out on your own what if


what if uh anything happens to to you to to the the the the the the ship and then, what what can what can you do to to save yourself to you know that kind of thing but when when I travelled with SIA they really one by one they they show


they show, the safety protocols this they show the the emergency protocols they showed uh they showed care to you they even give you you know those kind of the best of the best service where where they they they really are


observe your your needs you know, ah let's say okay then that's one SIA and then let's go for, a smaller airline let's say like , uh Qantas Qantas is also okay not not not that bad but


uh the the the services uh should can be improved can be improved, it's just that, uh they are just you know meeting the borderline borderline uh passes like that ah, uh then for the budget airways


budget airlines like Air Asia let's say, uh Air Asia is actually it's actually good you know for a budget airline uh only you know the the kind of spaces you need ah as as I'm I'm tall enough you know I need to know like I need bigger spaces uh so


uh Air Asia is actually not not my kind ah but I can give a positive feedback on that as their their , uh cruise and their, the the people really you know help you out from even starting you know and now like


in like the the terminal three ah terminal three or terminal four they have one whole lot of, uh Air Asia for you to to to check in your luggage for you to to check in yourself you know that kind of thing so


I I guess it's it's actually really good ah in singapore-wise right the way of travel experience right it's actually good and ya it's agreeable lah


finance


uh yes I do I have two savings account one is uh for with DBS and that one is for day to day usage and another one is with standard chartered which is for uh salary credit and savings essentially ya


it's actually been about a year uh no actually less than a year since I started working so around march ya so the reason ya the reason why I went with that was back then it was at two percent interest ya so it was a really


I do actually I got one recently it's DBS DBS fresh I believe live fresh I think I'm not too sure uh essentially I the only reason why I got it is because it allows me to use to separate up my uh


make instalment payments for my MacBook which I think it's a it's a really good uh use for it do you have a credit card


ya I agree I agree with you


shared accounts I think there's some benefits with that so it's it's more like uh it's like a joint savings account


so both parties can contribute a certain amount I think that's a uh it's a really good I would say balance it's a really good uh, I wanna say like standardisation uh it can you know


ensure that each party contributes a certain amount what what do you think about , a joint account,


ah ya I agree I agree it's something that both parties need to be able to uh have an agreement with uh trust ya essentially as you said trust ya


I I don't think it's I don't think is that much of a diversifying as it's more of a, err, an an an agreement I would say as it's more of a an extra a a a different way to uh save a different way to hold your money I would say but ya I agree with most most of the other points ya


ya ya I do I do I I think that that should only come once you have enough savings


so it's it's not something you should uh jump in directly, ya, that's my


yes yes especially especially if they are young working adults, and they will they will would would be able to put in a significant amount every single month uh not not every single month ya ya ya


well that's a very good question , it would depend I I would say that once a kid is much more financially savvy you know maybe maybe around uh, secondary school so so once they are able to


let's say they are able to learn to play with real money you know or they are able to you know , start uh getting some jobs as well you know like part time jobs I think uh it's definitely a good time for them to start being able to manage their own account because


they they really need experience for this because it's I I remember when I was younger I didn't have any of that during those time and I think it was uh it took me some time to be more financially savvy I would say


so I think I think it's it that's a good age for to start giving them experience what about do you think


okay ya


okay


like uh cashback and all those point systems right, personally I don't usually partake in all this because I usually I I don't


focus on all the little different uh benefits it's more of uh the bigger picture like for example if I use a credit card, I I I'm not easily lured by let's say a a, one hundred dollar rebate when you sign up or whatever I I it's more of what am I going to use this card for that that's my personal opinion do you do you have any do you have uh like do you use any of this


accomplishment uh uh


you have the passion card right is it passion card ya not passion


ya ya but , considering the current situation I don't think uh flying miles is that useful ya


ya ya the that's that's one thing people should uh take note of is how do you maximise your, points how do you you know use it beneficially instead of just having it for the sake of having it ya so you would have to


ya my my uh my opinion is uh it's always has to be uh, err, price not say price for money but like points for value I guess, so it's it's how much value you can get out of it ya that should be uh that that something that uh people should look into ya


what kind of credit cards, uh okay ya so in my opinion I think you should always be aware of how much it would uh it would cost and how much like how many how many how many percent would they charge you for using the credit card so you should always have uh some


control of your finances so it's not it's not uh I I have this credit card I can just get a, get a new uh laptop and then that's it so for me I I I have a DBS live fresh credit card because at the time there was a rebate was I think it was a two hundred dollars rebate which was pretty good but most importantly is


it has a decent amount of uh it's a decent I would say interest rate, oh no actually actually it has, for my MacBook it has a zero percent interest as long as you pay it off every month so it's a very good it's a very good deal in my opinion so if you are it depends what it depends ya it depends it depends what you want to use the credit card for you have any specific things in mind


short term I yup can you elaborate maybe


yes


okay, okay ya I understand your point ya okay that makes that's that's a very I would say a financially responsible thing to do


is it is it uh is it more of a status symbol or is it the stigma


okay, okay okay ya ya I think that's about it


part three negative experience


okay


uh food wise not really but when it comes to I think there was one time, that uh I went to uh I think to get some bubble tea you know uh each a cup right so


okay so uh I think when I when I went to order I think I asked for a because I I am not a person who likes to drink tea I I don't like tea so I I would go for fresh milk you know so I I ordered the brown sugar fresh milk from uh each a cup, so uh the first thing that happened was that the the


what you call that the cashier didn't actually hear my order correctly so they thought I wanted a milk tea, so ya I was uh after I paid for it I realised that it was milk tea so I asked for a can I change it can I get uh can I get this like uh milk instead of milk tea and uh what happened was


they required me to pay the full amount for it even though I didn't drink the milk tea which was really to me was really I guess it's really a pain point for me considering that I I clearly mention you know what I wanted and on top of that


I did not get I had to pay extra for that secondary so now I have two drinks I have one extra drink ya and and the worse ya okay sorry, no no it wasn't really my mistake ya ya


no as in as in I'm I'm fine I'm


fine if ya I'm fine if they made a mistake it's fine no problem but the fact that I had to pay for a for the second drink they prepared as opposed to just switch which was , which was more ah I think it was more that was something that annoyed me more because uh I I actually said that this drink was wrong and I want a different drink


ya and they still charged me for that so that's a bit that's more of a pain point for me have have you experience uh this kind of service


okay, uh sorry I oh okay okay


ya I I agree I also had some uh experiences when with regards to laptops so I think one of the more minor experiences was that let's say when I call up the


uh some repair shop right so I'm like , I'm like uh there's something wrong with my laptop, like could you perhaps like reboot the entire thing like fresh install just clean up whatever's inside right because I think it's it's more of a software issue


and I I ask for example how how much would that be but they the person would refuse the person would rather you come down and then they can up from my experience they always try the, up charge up sell you I would say try to charge you more because ya it's I think it's a really bad practice because


because I I would say that I am I have some technical inclinations so I I would know to some extent what I need or what I would want you know but instead they would wants they would want to


they would wanna they want to get a bigger fee I would say ya, ya and uh I think previously also I had like spoiled phone and all that and whenever


repair because this repair shops always ask for like so much money just to replace the let's say crack screen or something and my father would always , get discouraged or get balk at the price because it's it's it's not it's if it's almost the price of the whole phone then might as well just get a new phone right


don't you think so, have you ever had similar experiences as well like


almost immediately oh yes I did actually uh I think when I was in secondary school so I was very young and uh money was uh really tight you know so I I finally went out to to get a to get a headphone you know from uh I think


can't remember where ya so it was really pricey for the time and within okay it wasn't the single day but it was within one week, and it was it was just done, ya and that was really , it was really really bad for me considering uh the price I would say and uh I I don't think there was any warranty so it's twice twice the whammy you know in my opinion


ya, especially ya especially when you do not have you know this you not you not have the resources to you know get it fixed and all financially speaking so it's, it actually makes me uh wary over what I I purchase because uh ya because


there has to be better value better service I I have to consider all these things before I before I shell out money that's ya I just I just become more I would say financially uh, aware financially uh what do you call it responsible ya ya ya


uh ya ya do you have any other you have any other, bad experiences maybe maybe not electronics but something else do you have any


bad experiences generally no but uh I I do have experiences in buying products that I think don't really uh aren't really effective


sunscreen or something and it doesn't really doesn't really uh is not really that beneficial you know so I think , ya ya I think I think ya it's, it's it's not ya ya it's not the there uh I think I think there's a lot of uh marketing going on you know this is good that is good but is it actually good it's debatable to me in my opinion


ya I agree I agree


ya ya


uh with regards to food and drinks is it, ya ya lah like like I mention before there was a bad experience with each a cup ya but uh one one thing I noticed about uh there're there're just way too many


bubble tea shops that uh they they they have this they have maybe average service and average products but the prices are always you know like market prices like like , ya it's it's to me it's


it has to be uh, ya it to me to me you are right we we have to be more you know alert to we have to be more, we we have to be more ya ya sorry ya ya


we have to be uh we have to be more I think people will tend to more drinks that they are familiar with as opposed to, just any drink I think I think marketing plays a huge part


(uh) for me it's, twenty forty four


hello


anything that I bought recently , I can't think of anything any right now uh can you think of anything


okay


okay okay


consumer products does uh online purchases counts


I I think so right, okay okay ya actually recently I just bought uh myself a new or my family a new uh microwave oven as well as a air fryer because uh ours was five years ago ya


so it was on shopee I believe ya ya so it was a pretty good uh pretty good deal I think it's about a hundred dollars for each of the item and it, it's a decent brand too so it's it's pretty good but uh one thing that I I would see that


uh one thing ya I would say that it's a good value for money, but uh I also didn't really , I I wouldn't say I had a I would say like uh I sort of


it's uh I would say it's a it's a very smooth uh what do you call it transaction so I would say that it was a


and it was uh I think it was a pretty recent model uh maybe, maybe one year one year old model, for quite a decent price so I think I think that's a very was very it was it was a very good uh I think any shopee is very good service in my opinion ya


okay uh what ah okay okay ya


for the past uh few years right, okay okay ya speaking about laptops uh as I mentioned earlier recently I just got a new MacBook


I would say it was a pretty actually pretty good experience because I, because it was uh COVID period right so I had to uh call I cannot go down to the store so I had to call in uh and the service rep was very nice about it especially considering it was actually one of my first times of using a credit card to pay for it


so ya it was a it was a very very smooth experience I think uh Apple has Apple is very good in , as in soft skills not just ya not just their products but also soft skills you know so it's it was a very smooth experience ya the the person was really helpful and uh he mentioned all the options available he mentioned uh any other products he mentioned


he made me aware of a lot of different things before I made my decision so I think that is a it's a, very I mean if you if you would consider, MacBook you know I think it's a it's a good product ya


[orh] three days ya, so ya three days is uh three days is a long, time without a phone, okay but uh ya ya but it but it's good that you got it repaired and ya


[orh] okay


true true ya they have a hiring process for that ya, okay uh ya any anyways uh do you how about how about uh dining experiences do you have any have you experienced any good services any good


oh okay is it the one at the ah yes okay


okay ya, what about me I did have a good experiences at uh some restaurants


I would say that , hello sorry ya sorry


ah yes yes yes yes yes that was the one I was thinking of I just couldn't remember ya ya I


was uh I think it was at uh Yishun ya north point fat boys, so it was uh to me it was a good experience because they they their service was really good so they they, they provided us with uh


I would say they provided us with really courteous service so they they instantly provided us with the menu they they asked us they, the one the one thing that happen I don't know if it's in other restaurants as well but they always kept on uh asking whether you wanna refill for your water


which was nice it's the it is the little things that that you appreciate you know ya ya the little things


waste time, so uh burgers uh burgers not meant to be finished


who knows


although okay although to be fair their burgers uh, are quite big to be honest if it's I would say it's worth the money as compared to other restaurants ya is actually very filling I got I think the last time I went there I got a, I think is a cheeseburger with some uh bacon strips and it was it was really good it was it it looks like a simple burger even on the menu it looks like so let's say you ignore all those


uh sweet bread and you know all those all those different uh special things that they have and you just get the normal cheeseburger it's, it's such a simple delight I would say, ya, ya ya true and ya


okay ya I actually remember there was one time that we went there I think it was for your, birthday wasn't it ya ya ya there was uh I think it was a good time the service was pretty good too they ya they they provided I I don't know if it's standard for many bars but they usually provide a free drink for they were on birthdays right


ya ya that's that's ya that's very nice whatever ya I mean I guess because it wasn't my birthday


phone provider service uh currently I'm using Giga actually ya ya, ya ya actually ya ya actually before this I used circles life and I think


one difference I notice is that okay there are two differences one is the coverage is much better on Giga and the second is their response time is very very is much faster and it's also much easier you know so for example I think you can just I uploaded my