you buy we buy the fridge for #nenek ara# at courts right, and the guy was quite nice also, to show us and, by comparing the price


okay but most of the time what we enjoy most is eating lah we go remember we went to the esplanade to eat also, the guy was also nice uh was nice then uh he was telling us about the COVID whereby not more than five people can be seated on one table


in fact he was uh, being very uh transparent about what's happening around the food, I mean the the restaurant itself


okay another I should say the price is also cheap for the food, but the food is nice, , and they are very uh


what you call, uh fast and then uh they are more of a, very systematic way of serving lah as in once you order you don't wait too long for it


, well, what do you think about the restaurant around our area


you always enjoy going jewel because of the atmosphere right, okay, but again sometimes the restaurant can be very expensive


, (mmhmm) okay, so when when is our next trip to where is our next trip we're going


to have good food , where is where is our next, restaurant that we're going, to have good food


why this weekend, what makes you so sure that we want to celebrate your birthday , , okay well every year we have a celebration in any of the restaurant that your mummy uh arrange right so you see I'm not too sure but uh again we most of the time we enjoy the food that we we eat


and this especially when we go to a restaurant what we look forward to is the service and the food, there well that's one of the restaurant that I can look forward to go again lah


where uh, uh what you call the what


youth festival and then after that we went to straits kitchen isn't it, ah that was also nice, and is of a restaurant of course is excellent


well I went to one of this restaurant call straits kitchen with my friend and it's also a good service no doubt the price is high


okay, I think we should


go back to the what you call that that shop uh mega discount, to get our, to get our what you call


he recommend


and then they give you a big a good discount right for it, well we should go back to that same shop to get our air fryer


oh not at the moment that we want to spend that money first, okay I'm looking forward to traveling again once the COVID is have subsided


okay do you usually where we do we do our shopping for the groceries is at giant right in fact #sheng siong# giant I mean the shops


ya but it's convenience sake lah as in you get everything from there in fact Mustafa is also good


no I find it quite convenient as you can get everything from there, uh well I should recommend Mustafa because everybody most of them shop there as it is convenience to get things that we want


and the staff is also quite quite I mean helpful to show you where exactly the things that we want, compared to giant it's also big as in


more of a grocery shop, , , the dog from outside ah


ya okay uh let me let me let me close the balcony give me a minute


okay the thing that I love most, of course I love the aircon because it's making me more, I will call uh, uh comfortable to sleep in, the thing that I love most about my


the things that I love most about that I bought is my mixer I can make my cake I can bake and then uh it's worth buying because I attended the classes at shatec so in a way it's worth buying


it's very convenient with my oven and I have my mixer to do the baking, so I should say always look forward to baking again


well uh, the next thing is my the microwave I just bought it's very convenient, we just bought the microwave from courts remember it helps me a lot in heating the food and defrosting my food


and another thing that I really love is my, pressure cooker it helps me to, uh pressure cooker where I used to


boil my meat and then do my cooking it's very fast it's worth buying, so next that I'm looking forward is to buy with the air fryer


whereby uh, we can we can bake in the air fryer also, right, tomorrow you go,


it's not cheap I think I better stop buying what sorry done stop


uh like just recently cause like


I started when I just, started working lah then I just got, ya cause ya cause someone approached me, don't ask me ah , ,


uh that one the one that I, bought recently was AIA critical care, that one I think my coverage was a a I think it's AIA power critical cover ya this one is the one I bought was whole life one then it's


if I'm not wrong it covers, hundred its coverage is about hundred k then, uh but then apparently like you can claim a few times if like you relapse so you can claim up to like five hundred percent which is about five hundred K


hospitalization is I think my dad got for me since, I don't know since I was young or something but I just only transferred


uh I just only transferred like the payment to my MediSave account like instead of deducting from his, CPF ya then now it's under me, I think that one is also AIA AIA healthshield gold max a


ya then I think this one like


I think that one quite, not very expensive I think it's, a year like uh, is it a year like hundred eighty something


I think so ya something like that a year hundred eighty or like three hundred around there that one, ya that one it's just the, , I think it covers ten percent as in they cover hospitalization


then up to thirteen months before you're you are hospitalized and also after you're hospitalized, then that one is like you do co-payment ten percent, ya and the whole thing is I think it covers until ward ward A or something


ya but then ya ten, percent it I mean you still have to pay ten percent so, can still be quite expensive I think cause like if you are hospitalized I think the bill can go up, quite high ah, ya then there's also this


ya like if you want to really like minimize, the amount that you pay right for utilization there's also like this rider, I think ya like an add-on like it's called AIA max vitalhealth then that one is like they cap your expenses your out-of-pocket expenses at uh three thousand per year


so like maximum even though, ah this one expensive I mean this one I mean , I mean this one the previous one uh the eh what am I talking about


no ya the previous one the AIA health, healthshield gold max a right , that one it's like entirely can be paid by MediSave, so the you don't have to use any cash ya but this add-on you have to pay by cash then this add-on is like


I think, if you are aged twenty, twenty one to thirty, the thing is around like three hundred ninety three to four hundred fifty five


oh under the,


sale like fifteen percent fifteen percent off, the the first year premiums only first year premiums only, ya then the first year premiums after fifteen percent off every month I'm paying about hundred and seventy-two


dollars a month, cash ya this one is cash, ya then


for cash is it uh I mean cash, ya for now ya I will slowly, , I will slowly get more necessary things


oh okay that's nice, that one is what, she's I mean the insurance it covers like ninety percent is it


oh okay that one the insurance covers ninety percent, okay


so like if next time you have insurance you will like choose from the same one like from prudential or like you will take from


, oh I mean like if you get additional one additional like insurance different insurance, uh as in like would you buy it from Prudential also or like for example like I don't know like maybe personal accident or something I don't know if Prudential have or not lah I mean would you buy it from that one or


actually my priority is, okay lah last time lah like like quite recently quite recently I mean I I think I still have this mentality, I feel like I feel like, whenever I'm paying for premiums right I feel like, it is I tend to feel like it's


unnecessary like even though I know that is necessary but then I feel like I'm paying money that is like, going down the drain , it's like I feel like I will not claim it, so ya like one I mean I always have that


thought lah like what if I don't claim anything then would I'll be like losing all the premiums that all the , that I paid so like one thing that I, like, still lookout for is like if there's any, uh cash value if I


decide to end the insurance, uh I think mine cause it's a whole life, as in the critical cover one right the critical cover one is like whole life insurance


life insurance so it's like, for me to, uh, for me to like not lose any of my premiums as in like for me to breakeven, ya the breakeven thing right that one I need to wait for very long until I maybe very quite old no no no even older than that ya


ya like maybe sixty plus, then when I cash then when if I end the insurance, there uh I catch up their insurance then it's like a sizable, quite a sizable amount of cash ah,


, , ya do you have like a budget for as in like how how many percent of your income do you,


intend to spend on insurance like how much is the max that you would ever pay for insurance a month


, , okay, ya I'm thinking like people say like you should, spend around like ten percent, that's around like three hundred lah so I mean I can't be only just have one


insurance right that one insurance already like hundred and seventy plus that's with the discount then second year onwards there's no is the full amount ya so that one around like two hundred already


eh no the critical one is the whole life one, , as in like it covers me if I'm ever diagnose, if a critical illness throughout my life, ya it covers for the loss of income it does not pay for like the hospital bills that one is the


ya AIA health ya that one the healthshield


I think I don't know like I heard some people say another like essential one is, like, personal accident or something, ya I feel like it might not happen as in I always have that mentality like uh this kind of things only happen to like other people but then like I realise that


actually , I realize that actually I been seeing a lot of people like suddenly have like, accident ya I think it it even covers like if you have dengue, like it it dengue is also one of the things that they're cover under personal


accident, ya so I might I mean if I'm feeling like I have enough money I might get it ,


ya probably when our salary increase, we can also buy


ya I mean later if you have children also next time you also have to pay, for your for your children's insurance


insurance for helper, I mean maybe it comes together like in the package like when you are paying


oh ya ya ya ya I think so, F Y FWD is like quite affordable I feel as in, I bought their I bought their travel insurance before then recently I think they just launched I mean I don't know if they just launched but I just heard that they had a very affordable


uh critical care, critical care like insurance, ya but I don't know how how I don't know if their coverage is good lah maybe it just like the basic


I will think for many many many days first before I get a cause I feel like I mean if you are insurance agent of course you will push your clients to like get more ya even though like maybe they might not like really need it like it might still be beneficial to them but uh like maybe is not a necessity


I mean for now right I mean my critical cover is like whole life but then I don't have a life insurance


which I feel I don't need now because like there's nobody who is depending on my income even if I like I suddenly like pass away or something, there's nobody who is like depending on my income, to survive so that's not really a point now


it to have a life insurance like maybe ya, maybe if I have someone depending on me then can ,


ya I think we only bought the flight one the insurance for travel insurance, insurance like covered by the school ya so don't need to buy so


much , I always buy I mean they always make me buy like my family and friends always make me buy like travel insurance when I go overseas even though I feel like


, ya correct I mean it's true in the end like I never, claim anything like like, no no like lost baggage or whatever


uh considering considering , , I that one have insurance ah, I don't think they will cover I mean I don't think the insurance will cover cause it's like you are like


asking for trouble you're like ya you are like taking on unnecessary risk, for your own , for your own, for your own joy,


, then what do you think of like


ILPs like investment-linked policies, like investments and also insurance, bundled up together like do you think they should be separated or do you think


ya something like that like to fund your ya your insurance, ya something like that like, but then I feel like because it's investment right so


uh there I mean there's always like risk, I mean even though maybe they have always been performing steadily over the long term, but I feel like you know, I mean anything can happen like economic downturn that kind of thing like it will affect your it will affect your investments then like what if really your investments like losing money then


, then it will not cover I mean you will not be, your I mean your insurance is not funded for by,


like they just got your order is it or


ya ya, okay lah one good thing about Foodpanda is that like their


customer service I mean if something goes wrong, , ya correct correct they always give you like voucher , , oh ya ya ya ya I think it


okay this one was during, circuit breaker I think during circuit period that period of time, uh, anyway it start after COVID lah I mean during that COVID period then, you know like how a lot of people like because of the circuit breaker everyone stay at home like work from home everything like use a lot of yes spend most of their day at home like using the internet right


then my ya then my wifi at home is by Starhub, and for like more than five days, for more than five days like the wifi was just not working properly


like even though I am at the like right beside the wifi router right it cannot work properly then there were so many times okay there were how many times that I had I had I was, uh going for a job interview like


ya correct correct video like on Zoom and then I got kicked I mean not got kicked out I mean I I, ya I left the meeting ya I left the meeting, suddenly so many times it's like


it's like very frustrating because, ya obviously I would have prepared for the, uh, interview and all that and then it's like, it just like , lowering your chance I mean these interviewers they they confirm have a lot of people to interview like they won't be so accommodating as in like


oh uh let's call her again uh because she got internet problem now like let's set up another video interview like some of them they are but, I wouldn't know if like they already sort of


they already sort of like, put me at a lower as in like don't, really consider me anymore, ya so it was very very very frustrating and I called them, like quite a few times but then


uh they kept saying like, oh like do this do this do this then like I did everything already but it's still like not working, ya so I got like, quite angry then


ya I use data even data not just wifi, because my whole, ya correct my data is also Starhub my wifi also Starhub so either way it was just, bad I couldn't watch my videos in peace I cannot go for like my job interview properly


oh okay okay okay I know is it that one they say the portion is eh no you waited very long for the food then it never come, the the vegetable never come or something, and the portion is very small


, , I think the best one I mean besides JB lah obviously because JB is like cheap and the portion is so big I think the best one in singapore is probably like the one all the way at Changi the one that eh not Changi sorry ya ya correct correct


ya it's very far, ya it's very far from its very far from my house and also very far from the MRT,


very far from the MRT from the nearest MRT also, I think no no it, to me right it looks like a malaysia land like like like like when, you are driving there it looks like malaysia like because it is like no traffic light over there


then it's like got forests, behind there I think it's near the prison it's near the prison place, ya ya correct correct who's nice to I think you got a lot more like bad experience as in like bad dining experience that time the one you the birthday one


the one you went to, uh, the what ah the chilli crab chilli crab spaghettini or something,


is it just you don't like or like your partner also don't like, oh okay I don't know, ya it's expensive eat it finish it ,


ya I think that one I spent ya that time I went with my friend just two people we spent more than hundred dollars, ya I do not sure why I'm not sure what you didn't like the spaghetti I mean I find it okay as in like to me it's decent it's not


like the best, maybe because I don't like maybe I it's just like I don't like the the like crab the chilli crab thing but then it's their signature dish, ya, I'm not sure is it like the chef that they wasn't feeling


oh you bought two as in like you bought the same one, both of you bought the same one


why, , but ya I think that one is just like a once in a once in a lifetime, like you just try once and then you won't really go back it I mean it's not


ya, it's not a place that I would go back again I mean it's not very , outstanding for the price for the price it should be it should be very, ya correct, ya and it's cheaper the hotel buffet will be cheaper than


but your wifi working or not your data working or not ,


ya


ya because like I also frustrated with Starhub right but then like where, , which other telco can I go to like , is like, but it's still like,


okay lah now now is not I mean , nowadays I'm not really home most I'm not home most of the time like I mean that I work or like out on weekend I go out, so I don't really use the wifi at home anymore, ya


okay lah but data is okay lah I guess data is is fine


oh you should buy the what's that called you should buy the decor is like this, it's like this thing, that you, fix near your router right, it looks like a it's just it looks like a,


just like something flat on the wall ya ya correct correct white colour it's like round and white colour right then you like, one you do it near the router then another one like maybe in the hall right and then another one like, inside your room then the wifi will be very very strong it's a mesh ya is the mesh is a mesh something


ya, cause my room right somehow my room is very very far away from the from the hall from the wifi so every time I enter my room right the wifi is very slow the video will load very slowly


ya so once I fix that thing right then my wifi is, much stronger like now like last time, if I were to load like a one hour video right, it would never like you know the grey colour the grey colour bar like, you see that it's loaded right it will never it will never reach


ya ya but then this one ya is like very fast even like seven-hour videos cause I cause my brother asked me to try on like very very very very long videos on YouTube so I open like the longest one I saw like seven hour plus then it really load very fast


like, like you press on the video it instantly start playing already, but ya lah I think I will just I mean Singtel and M one does not seem any better so even though I'm very frustrated with Starhub I think I will just


stay first until there's something


I think that's why I think that's why I never change my Starhub because my family one is, uh, I think how many devices then like thirty percent off so like if I, if I change if I transfer to another one then they won't get the discount already


now also got like new ones like TPG and that kind of thing but uh like circle ya Circles also but I feel, like, I didn't know I think circles doesn't have a physical store is it, doesn't have a physical it's like online right I feel like if something goes wrong


you cannot really like look for them, and if I'm not wrong I heard that Circles, like, your data like when you are underground or something you cannot get or something


then you use one time it's like bad


ya you can I think I think you, there's probably like still more than ninety-five percent of the product inside , or like your your sister or whatever or like your mum


oh you mean like oh you mean like as a supplement is it or on your face


you're supposed to eat, , you supposed to eat fruits and vegetable not this


positive experience


, , ya I ya I think liho who is nicer than gongcha


ya it's Gongcha first and then it, got ya and then, ya I remember like last time they all don't like Liho cause of all the like cheese, ya, ya but then now like, oh ya ya ya ya


, !aiya! now like ya we go back to liho ,


ah ya ya ya I feel ya ya ya Koi is more expensive, ya liho is the cheapest I feel, oh ya ya that one is like six dollar ya


six dollars


it's quite expensive right I feel I feel like they say like one small bottle like thirty ML like how how is how much is it


oh eh this one is two hundred and five for one bottle, oh hundred and oh increase to hundred and five


but hundred and five for one month , or just one


ya I feel like, , is very I mean I will, I would really think a lot of times before I get like expensive skincare product cause like, for me my skin is very very very very very sensitive


like like it some, like even some moisturizer right, can feel like, stinging on my skin like even moisturizer ya so ya ya ya I don't know it's just very sensitive


uh for now I'm using the what's the, Cetaphil Cetaphil I'm using the Cetaphil, ya cause, it cause it's very very very gentle like zero, pain or whatever


I bought like one KG of the, of the of the gentle cleanser ya like, ya like one KG cause, just use lah just use for like however long


no pimple is is, uh maybe in a few months, once, ya but my pimple is usually like like here, on on top of my lip like that area this area I don't know why


ya, ya it's always there forever like the spot is there the spot is there after it goes away the next few months when it comes back it's still at the spot,


oh ya for yours all of your tiny spots right on your forehead is it, , oh okay okay okay okay


you know one of my because like I, really very like, lazy like sometimes I very tired already so I don't use a lot of, like skin care products right, I mean I wouldn't say like


I would do it every single night, but, something that I something that I do every single night like nearly, without fail is, uh, I wear my retainers


uh ya I mean I will sometimes I quite lazy but then I will still brush my teeth every single night to wear my retainer


ya because, ya I feel like I mean my braces I feel like is one of the best , decisions I've made, in my life like one of the most worth it, I mean even though initially like it was very expensive so I was like thinking maybe when I start working then I


where but then I decided no in uni I should just do it, even though is like one I mean even though is like actually it's not really one shot you know, like I mean the money like really quite gradual cause the ya the the that one is ninety months it's just like one of the most


affordable braces that I see on the internet like everyone was like recommending this, this particular dentist, ya then ya I like it that it's like only ninety a month and really got a lot


like no not no scam lah like like even though like sometimes you know, people charged very low but then there's like a catch like they don't deliver, they don't deliver what they promised ya correct but this one is like ya very good


ya all the way right they never add on anything ya ya ya the remaining for the for the that one , and ya and I heard like, uh my friend's like, my friend when she plucked off her teeth right she say it was very very very very very very painful but for this dentists like before I put on the braces then he had to pluck off like


two teeth I think one on each side right, there was like zero, pain, at all I zero pain at all I mean there was like zero pain ya it was not painful at all like even though you can sort of, feel like you can feel like he the procedure is like he took a tool right to like grab onto your tooth


then he will just like , uh shake it, even though your your tooth is like quite, stable in your mouth but he will just like take the tool and shake it right, uh like twist it a bit ya twist it twist it then after that it come out


and there was zero pain , the readiness that he gave as in that he that I got from him


it's still as good as, it's still like very clean and like very like sturdy, ya even though I feel like sometimes, I quite lazy as in sometimes I put on my retainer already then I feel like


like my mum give me something to eat or something like she forced me to eat then I'm like okay okay then I eat it with the retainer on then I thought like maybe it might like bend the retainer or something but this is a retainer is so good , , ya and my teeth hasn't shifted


cause I mean even though it shift, what what, I mean even even if it shift a bit right then when I wear the retainer I feel like it, keep my teeth back ya it keep my it keep my teeth back back in place


oh the exercise thing is it


you join how many


oh okay then you, you on like, days or like weekend


oh okay


only because of COVID or like even


but you must add on lah right , okay don't need , , eight hundred a month, like only how many times eight times


oh that's sad no


this one is like if you have a certain like goal lah right, okay


, ya that's so much, it's okay last time I joined something I mean not similar lah but like you know the classpass, ya cause I like it because you can like you can go to different different


places as in you can ya you can first try different gyms or like different fitness centers then you can also try different like sports, like HIIT or like #muay thai# or uh yoga pilates ya like there's really a wide range and there's a lot of


ya there's a lot of different participating fitness centers or gyms also so you can like slowly find which one you uh you like the most, and then you can either stick to it like or you can just continue to


like, try everything ah then you will have variety, ya the classpass, uh no it depends on your subscription oh it depends on your subscription but is usually, I mean is per month per month


then like depending on how much you pay you have a certain number of credits then uh there are some classes the more popular classes, uh it'll be more like expensive as in it requires a higher no uh credits so if like you buy all the popular uh all the popular classes one right then you can only go like for a few classes only lah each month because you have a limited number of credits


ya, but if you buy all the cheap one then you can get more ah , , oh okay


ya I think maybe it might be more worth it like once you find a place that you really like, like the instructor the the like, type of exercise or the gym, then like maybe you can switch from the classpass to like that particular gym's own membership ya I think maybe that one it might be more


but I stopped already lah cause, , I think because they couldn't


carry forward like unused credits, like I think there's a maximum there's a maximum there's a maximum amount of unused credits that you can transfer over to the next month then I feel like is very like , it's very rushing for me as in if I cannot


finish the credit then it's like wasted, so I said to just stop, uh then some more that time I was still in uni like still studying so there's like a, lot of things to do and got no time , even on weekends to go


I only eat like fish oil, ya fish oil ya ya I think it's good fish oil


I don't know I think it's supposed to I think it's supposed to like, I know, I think if you eat two daily or something, uh it's supposed to strengthen your heart, but if you eat once, ya if you eat once it's more like brain function your cognitive function


ya, I think the the heart one the one that it strengthen your heart that one I think you must, uh consult the doctor I think if I'm not wrong on the packaging it wrote like, two capsules a day for


for, what's that cardiac function to strengthen the cardiac function, ya but normal use, normal use of the fish oil is like it's a source of omega-three which is


[ah] ya ya I feel like you told me before like you always buy the same [one] like even in korea you were looking for that one (ppl) !oops!


finance, okay uh


ah ya ya, okay that one what is it covered ah for your insurance


then hospitalization also right


that one how how much ah how much do you pay ah how much do you pay ah, for the, the the one that supposedly your dad pay then after that transfer to you then paid by your MediSave


oh okay go ahead the the other one not bad though


ya but I think like ten percent still okay lah


okay but that one additional how much, , like it like not bad three thousand


oh a year okay okay, that's, not not bad not bad the one you're, the one you pay for the critical care that one is, three hundred plus per month right, two hundred or is it two hundred plus the one that you said ,


ya like you pay came , , same eh put discount


oh okay okay okay, okay so the, Apa eh so for all your that means for all your insurance that's the only one that you're paying lah for, that from ya ya correct


ya , you planning to , I see, ya ya ya lah cause like ya cause I recently got a job right so I was planning to like


as in cause now my mum is paying for my insurance, so it's like that one cause my mum, I have the same insurance as my sister, so the other time my sister was admitted to the hospital, so uh we have a choice to go public or private but my mother decided to go to uh public uh KKH uh ward B


so what the insurance did right they, get like the amount that my mum is supposed to pay if she go to private, they deduct from the amount that my mum paid to go for KKH minus the amount that mum mum my mum paid for the K K KKH ward B right so that


amount actually was given back to my mother because she didn't choose private


this one is under Prudential


but I ya I don't think my I don't they didn't hear my mother complain lah bout the amount of money she have to fork out so I don't it's I don't think it's that much


from Prudential also because the agent is very thorough like from what my uh from what that he explained to my mother it was like very thorough like he explained one by one so maybe I might engage him, like after the transfer of insurance from my, mum to me


ya then I'm like probably going to ask for add-ons ah, because I don't think my mother she has four kids so I don't think she will pay , she will add the add-ons ya


oh I think I need this as in I need to source out myself is it, oh okay oh okay I think


I think I might just buy from ya Prudential I mean uh the agent ya it's really good so I might just ask him like if he has, ya but my I I might also do my research lah what's the difference between like Prudential insurance as compared to like maybe AIA or NTUC income, ya see how first ya


how what do you look out for when buying insurance policy like what's your priority


okay okay okay okay understandable, oh you all the ya ya,


okay okay but is there any cash value for your current one


uh or is it the okay, but quite or not oh


I see sixty that, is old ya going to be old


two hundred to two fifty ya two hundred to, ya max ah that's, I have other expenses , I have to ya I have other expenses


but the insurance that you have right what does it not cover that you need another insurance to cover, cause I feel like, I mean you have the critical one and the whole life so I think


the MediSave one, oh okay so basically is covered right as in, because, ya the other is medisave so the only one that you are paying for, is the the whole life insurance


ya ya ya ya ya ya ya ya , but not me


oh, ya because like now right like okay you will say that we are only we will like we can only pay insurance like about ten percent of our salary like you know like maybe in a few years time ya as in you would want to buy a car or you would want to buy


but even in case that much ya as in it won't increase that much also but then as we grow older we would have we tend to, pay for a lot more insurance not like, ya property ya your house your car so ya


so I don't know if it's it will be still ten percent, ya no premiums , , ya ya exactly, we got a lot more to spend on, ya but I feel for the


the helper the insurance is covered by the agency right or is there, it's covered right uh because insurance for helper, , is covered right by the agency


or is it we have to, ya I feel like is f FWD or something


right right right like like it's like familiar, oh yes yes yes


ya because ya ya cause because like I always have the thinking that okay the more expensive you pay the more coverage you get but it might not be true cause you but you have to research like whether it's ya true or not


promote your ya, have to research


ya your children in the future, ya, the other time when we when we went to uh korea we bought insurance for as in for our for ourself right we bought the flight one and sell for ourself right


oh ya ya ya I think that one was thirty plus thirty dollars or something


everything yes and we didn't really check like beforehand


nothing going to happen to me , , no but, just in case, ya but I feel like ya travel insurance like I will always get


ya I will always buy, like in case because like I mean it's not very very very expensive it's like the other time we paid that time I think I bought my own insurance I think it's like thirty dollars, forty ya so it's


ya that one like if anything happen lah, in case anything happen, ya activity, are you still going to bungee jumping are you still or you're you no longer want


, maybe can get insurance


ya ya ya ya ya but I do I don't think I going to do that though, uh you can do it at at Sentosa


the one that you said that you pay and then after that your invest the money that you invest will cover the insurance that one eh to to cover your insurance right


I think that one not bad though but you say to break-even uh this is the break-even when you age forty two or something is it


no lah , , but it's it's a good it's a good, thing


negative experience, okay this one is a recent it's like just like a few minutes ago I had a negative like experience with, foodpanda usually I will buy from from foodpanda because they always like very timely like they always leave the food at uh outside and the packaging is always okay but just now I ordered my food at five forty five so like when I was on the train lah that I order food


so that food they say it will come like about seventeen minutes, so five forty five like it will roughly reach about six six O five, right so cause I was very hungry so I thought okay once I reach home I just get to eat straight away, but then at six O five like usually uh Foodpanda will say like five minutes or less than five minutes when the rider is coming ya but then at six O five I ordered at five forty-five six O five it went back up


from five minutes to twenty minutes, the I don't know like they said, I don't know they still put like restaurant still preparing, ya so I'm like, that's long so I don't know cause foodpanda you won't know whether you got a rider already or not as compared to grab


you know grab once you get rider you can directly talk to the rider right but this one like, ya I didn't know whether they had a rider already or not, so like, and also I WhatsApp eh sorry not WhatsApp I, ya I did the chat then after that like, like I think like he replied me ten fifteen minutes later or something


then said oh ya got rider then my food came like about six thirty six thirty five, ya so I was like I was ya I was, thinking for a number to call but there's no number there's no nothing to call like they didn't put it in on the app


ya ya ya that's why I think I got eighteen dollars, eighteen dollars voucher, ya because they didn't they there's a missing item, like they didn't pack something I forgot what, I don't know what did or be like, a food I don't know I forgot but ya they give me eighteen dollar voucher that one


interview right ya ya ya ya, , keep leaving the


ya ya ya ya cause Starhub I think is the whole thing


I think the eh you know uh that the previous time I told you about the one I went for shell out, at this place, but then after that like it was


ya ya ya ya ya ya ya so like eh, ya, it's like we went there so four of us so we ordered already, and then after that they came with the food lah it's a shell out so they pour d, the uh, seafood on the table and all right and then after that we was like okay we were waiting for another portion to come cause we thought okay that one that portion maybe for two people


but then when you ask the person oh it's actually for four the portion was really small that we thought like it was, legit it was like really, small so we like okay we were in that set there's a set right so it's comes with vegetable the Kangkong, so like after we, like we are going to finish our food then after that I ask the waiter oh where's the Kangkong then was like okay so by the time we finish our food the Kangkong then came


so we were like what, so like ya then from that on like I avoided the restaurant like, like I don't bother even if they got like good reviews like somebody like like, uh make good reviews on IG or what right like I'm like no, like cause of just that one experience I


I just don't want to go there, like JB oh ya ya JB was good ya


oh ya ya ya ya ya but that one is, far right like you have to take , cab or something to go down there, but is it, ya ya of course very very


, but is there a bus like there


oh okay okay okay okay, oh ya ya like not accessible lah but then like, the food is nice but it's not accessible


what birthday ah which one ah, oh ya ya ya ya ya ya but that one is because like I thought it was nice because on their IG on Burpple


like they keep saying okay this is a must-try a must-try then a lot of people like, recommended that that particular dish lah ya so I'm like oh okay okay okay so I went there then after that my friend also, wanted to order same thing because we thought it was it was really that good


that's why we ordered the same thing but then when I eat, I don't know it was very, citrusy it's like when you eat it it's not, supposed to be citrusy that food , it's just not meant to be citrus I mean a, bit is fine but that one was like too overpowering ya so it's like ya that


ah my partner also don't like, ya is but he ate lah as in he can eat lah, yes yes oh my god ya, I thought the dessert was nice also but it's not and it's so expensive


that one uh ya ya ya ya ya ya ya !aiya! I won't be going there again also in that


ya in their signature dish I mean should be nice right , no but then ya ya but then the waiter got ask lah what's wrong then also ask ah like told us like why you buy two like should buy one first


then taste then after that if it's okay then buy another one, ya ya ya ya ya ya ya ya ya yes yes , both of us bought the same one , like yours very the, reviews like it was very good ya so


ya some restaurants ya some mention about that


ah ya correct correct correct correct for that price right you should go to a hotel buffet, will be more worth it, ya ya ya ya ya ya ya cheaper worth it ya more more value for money as compared to ya uh similar to that restaurant


I think uh, previously right I was M one, a my uh ya previous one was M one then after that I change to Starhub right because M one, I, thirteen GB one three GB


free eh sorry free incoming, outgoing I think only three hundred or five hundred minutes but , your SMS is also free, fifty fifty dollar plus that plan, previously ya but then Starhub


forty no now uh forty GB, three hundred minutes, outgoing free incoming, I'm also paying fifty so previous Starhub, eh but my data okay though, ya ya the the data is but the data is


okay because I can compare with the M one and Starhub right, it's much better than M one, for Starhub but maybe because like you were Starhub, uh, then ya but I didn't experience any disruption lah but my M one it will always face, like disruption that time one day I think one or two days my sister cannot use her data


ya I think like don't know what happened but ya cause, me my brothers, ya me and my brother Starhub then the rest is M one, so whenever they when they had a disruption like we didn't, ya so like I think like M one like release


M one is like not good like ya, ya ya ya ya ya don't just stay there ,


but it's okay right now okay is it


because I know my phone is Starhub but then my, in uh home wifi is M one, so it is very, it's not strong so the wifi, right when you're at the hall, it will be very strong but then when I'm inside the room right now right like cause, sometimes I like disconnected or something right ya cause it's not strong when I'm inside the room


oh okay okay okay, ya ya ya ya ya correct correct


oh oh okay, oh ya okay that's


got a lot of, of it's like got a lot of like, if you get this phone you get two hundred dollars off if you get , if you have a corporate uh corporate plan you get thirty percent off ya there's a lot of off


it's like they have a lot of discounts, in Starhub ya ya ya


oh ya ya ya as in thirty percent is quite, ya it's a lot ya cause I know M one, uh ya three ah you have must have three to get the discount or something like that but then when you want to change phone there is no discount it's like you pay at the full price


but then Starhub right the other time my brother bought an iphone eleven pro, ya iphone eleven pro sixty four GB, uh on the website it put hundred hundred and two dollars, but then when we then went down to the store, and then like we set we're like we were talking with the agent then after that the agent ask us if you want to buy


airpods or something then after that we said we don't want and everything right then, my brother end up paying two dollars, for the phone, with a with a sixty-five dollars plan I don't know it's like, that's the lowest plan which is sixty-five dollars per month then got thirty percent off cause my brother it there's a corporate discount


then after that like he just said oh you just pay two dollar, instead of hundred and two dollars ya, so I was like oh okay like as compared to M one you know like M one, like if you been there not for very long I think sort of secondary school until like, two years ago that I was with M one that there weren't any discount there weren't any like


ya there were no any like benefits being an M one that's why I decided to change over to Starhub


the other time I bought I decided to try a toner from caring skin right there's this because like uh, because previously I said like the CB my face was really dry and all so I decided, then after I buy the two products then after it's okay maybe I should try a toner because, I would I'm only using like moisturiser


and like some, serum to like lighten my scars so that's the only two products I'm using on my face, so I decided okay maybe I need a toner, so when I bought a toner from caring skin right, then I started to have a lot of dots on my skin


it's like uh it's like I was like okay since, the hydrated the mask is good so maybe the toner would be good also but the toner was like maybe fifty dollar plus, ya then it ya once, only I use then after that it was like I started to have a lot of dots then I stop using it then like the dots like


disappeared lah so I was like then I ask, my friend if like he wants or not because he also use caring skin product, but like he doesn't want , because like he don't he doesn't need to product because he already have like ya he already stock up also


uh no they already have like my sister use Laneige like she doesn't want to try also, it's like, Laneige is already good right she's scared also if she try cause like both our skin like very similar like if I happen to like experience like a bad experience with this product she would also


one I tried uh this, vitamin C right, the one that I told you like after I tried the vitamin C it's supposed to like strengthen my immune system or something like that, but when I ya ya ya uh no no uh as a supplement


I've a like uh ya it's supposed to strengthen my immune system right, but then I don't know the other time I tried this uh uh the vitamin C right then the very next day I got flu, it's like, I don't know if it's doing its job , ya


no lah as in like they say that it will strengthen my immune system, right but it didn't


positive experience, , okay ah ya ya ya the bubble tea I think we were discussing the other time, was is it Liho right, , that we like over oh yeah as a oh ya over


uh Gongcha, over Gongcha right, I think ya cause I think, Liho the milk tea the normal one is like more flavorful as compared to Gongcha Gongcha one


where to leave eh, ah ya ya ya ya correct correct correct, cheese ya ah ya ya ya ya ya ya, uh and also got the student the student two dollars for the Liho


ya ya I ya Liho, okay lah sort of uh Sebab koi also not bad though koi the ovaltine, milk tea ya that one is nice also but expensive lah maybe like four dollar plus


so I might rather buy liho lah, but then if you buy the avocado that one that one is like once a while treat ya ya it's a once a while treat


oh you know like I went uh, caring skin right then the other time uh during CB all of my skincare products like, finish so then after that I went for the facial at caring skin then uh and then I since I don't have any products right so I bought from them like this power hydrator it's a moisturiser and the mask


and like some masks or something then after I thought that okay maybe this one is just for me to use until I get a new skincare until I decide on like which skincare products I want to buy right, but, I continue like after I finish that right like I think I ya I continue their the power cause


previously I don't know why I think during CB my face was very very dry it's like I started to have like a lot of dots like cause it was very dry ya so I went for the facial then after that I bought the power hydrator and the mask right ya until now like I don't have that dots lah appearing


no the power hydrator previously right uh it like contains one hydroxylic eh no some acid


hydrolixic acid or something like that right, it's I think like seven nah maybe eighty-ish like that but then now they added vitamin B into that the same like power hydrator meaning instead of having one one key ingredients right so they added vitamin B to have the second to be the second key ingredient then that price increased


two hundred and five , two hundred, no hundred and five hundred and five , two hundred five ya ya ya eighty-ish to hundred and five lah but then, the ya it's around like one month


but can confirm can last for one month one, but it cannot, ya ya ya ya ya ya ya ya, ya ya, no you should get the I saw this one skin ceuticals, they also have the same key ingredient


that one is I think hundred and sixty wait wait wait is hundred and sixty but then I'm using , the same bottle means I think, I'm not sure how many ML but it's for like lightening of my, scars


but that one can last three months for me, so I think that, the product that they have the similar product that they have also can last for three months, whereas the caring skin one can only last for one month, ya, I think lah cause like same amount so I think like should be roughly the same but I didn't get lah as in like I feel like because my skin is


really comfortable with the caring skin product so I scared that if I try new product


oh legit why, but what what what uh skincare you using now, oh okay okay okay okay okay okay oh ya ya cetaphil is for ya ya


that ya, I feel like they said Cetaphil and Cerave have you heard heard of Cerave, ya they say like they are similar like for gentle skin


and uh but then ya I know Cetaphil is ya very good for like, ya sensitive skin then but


ya lah ya lah ya ya ya ya correct correct correct but your face like do you get pimples like often


oh okay okay okay ya ya ya cause I know like, , around that area , ya ya ya because I know like I have


to use at least like one, pimple product, like on my face because if I stop because during CB I stop using I usually use Oxy,


uh uh uh ya that and and the oxy facial wash , ya cause during CB I finish already then I like I lazy want to buy then when I stop using it right like I started to have a lot of pimple the one that I told you that I got the three pimples on my uh between my brows near my nose bridge here ya it's because I didn't use that


ya ya ya correct correct correct correct ya ya ya, uh they don't have a certain service ya correct correct, ya legit cause there are because after you you wore the braces then after that I went to the same dental right


then I thought okay ninety I thought like they might, not provide me a service or they might not provide me that I have to pay on top of the ninety dollars, ya but it was all ninety dollars all the way, then after the the down payment ah ya


ah ya never never, ya ya it's quite good


strong like quite (uh huh), amidst be prior to that did he put did he inject your teeth, like to like to numb it or something like inject your gums


ya ya ya ya , !huh! legit why would you do that , why would you eat with the retainer


after you took out your braces haven't shifted until now lah, oh as in your teeth haven't shifted from the time that you took out your braces until now lah


I see you know I, no no you say first you say first


ya you know I join I join the activ-co did I tell you, uh a like a fitness, it's like a fitness session


ya ya ya ya ya ya correct correct correct that one is good it was like, it's good it's like all girls instructor, and then after that all girls participants also, and then after that there because there are a lot of classes for you to choose from like you got circuit where you do like ten stations like thirty five seconds each and then you got like boxfit you got sculpt which are like stretching of your like muscles like you got you got post pregnancy or like pre pregnancy


and then what else they have, ya we got a lot of classes to choose from and then they have a lot of packages so like if you just want to try for first time right one class if I'm not wrong is twenty five dollars for now but they are going to increase it to


uh ya, eh no not trial as in any just one class, ya twenty five dollars but they going, I I okay so one package is it so okay first is one class twenty five dollars but if you want to have


five classes in a month is hundred and five dollars, but if you want to have eight sessions in a month is hundred and fifty two, ya so because uh I bought the five sessions hundred and five first because I want to see how good it is, right ya so but then after that it was really good that I changed from like five sessions to eight sessions


so like two sessions each week, uh one, day is week uh the cause I only do boxfit and circuit so boxfit is on weekday and then circuit is every saturday


ya, ya this one is also cause everytime when when you are new right then the instructor will right will like really look at you like okay like if uh ya ya she will like really look and then see whether you are doing the equipments like you like doing the equipments properly or not


like maybe your back was slouchy then she will adjust for you then like whatever you're doing wrong if you are holding the equipments like incorrectly then she will like let you know, cause there's only ya this class right uh for boxfit and circuit right the max number of people in the class is ten


ya ten so you like she can really like focus like on each and every one of us, ya but then uh one hour ya


ya they also got their personal trainer, if you want a , uh ya it's eight hundred dollars, ya I mean if you really really want that you can can afford as in to spend eight hundred dollars you can lah but I feel like the eight sessions


a month, uh no no no no no this one I think, sixteen if I'm not wrong, ya sixteen but then this instructor will also control your diet like what then you have to report to instructor every day what you eat


ya and you got like sort of homework like okay you have to run like two point four or something ya and you got they will give you homework and you have to ya, so like this one really, ya ya ya ya correct


eh I don't have any eight hundred is too much


the but the classpass is it for two weeks


oh okay okay okay okay, oh, ya ya ya ya the one that I went to the activ-co also got classpass, like there are a few people who uses classpass ya, cause we he they came over to me and ask that whether I but I bought classpass or I bought the the package


ya so actually quite a few like maybe three or four actually like uses the classpass to attend the class


ya correct correct at at least you can try like a range


oh okay okay okay


(uh huh), oh okay okay, I see


the okay cause like I use makeup right, so the the makeup that I like the one that I usually buy and it's good and it's not cakey right is nars, it has this like ya, ya ya, ya


okay maybe I'll start the questions and then we take turns from there, uh we can run down the the list lah okay so going on to the first question, how would you think you'd invest your money to, accumulate wealth cause now that now you are working


thirty years away from retirement how do you plan to like save your money


uh so I guess I'll share my experience too, uh, I guess uh investment, towards retirement maybe something that is depending on the, I'll believe is the education that the individual holds, like, I guess for those that are more


exposed to a high level of uh education they are more well-versed in, finance uh they are more forward looking, they don't look towards uh, earning money just for the sake of paycheck to paycheck as you mentioned just now they look more towards having passive income


, how we can make our money work, , how are we gonna, make the best decisions to allow passive income to, feed our main income, uh is essentially what what this group of people want is uh to have a very relaxed life uh have their money flowing in


so personally uh how I see myself investing money to, accumulate wealth lah housing lah basically, how you actually select your first home how you actually decide to flip over your house, it matters a lot on, how your retirement life


uh take by example lah a house that is bought at hundred K, twenty years ago uh it's now easily four hundred K, twenty years up to, to look at it in that way is easily a three hundred K earning, if you sell it uh sell the house away


and and then you downgrade so there's one way that it's a very uh it's very simple to earn money, uh how you can plan for retirement, so, ya it's more than I guess stocks is one ETF is one, , but for us I guess for muslims like us


maybe, err fixed deposit is not something, that we can explore so I guess religion plays a part on how, we can plan for retirement, and maybe we see it as a constraint or maybe we see it as a, a blessing you know we don't engage in such risk


err yeah so I believe that, we invest money through housing, as our main my main way to earn opt and for retirement, yup, maybe it's your turn to ask a question


like uh playing with stocks and all these uh it may seem tempting but, actually depends on your , I guess our a muslim says this as uh Was-Was, , muslims say this as Was-Was which is a, your own safety net on how much you believe in the in the


in the regulation set in the religion, so yeah okay moving forward to the next question lah uh, as uh you and me we know each other for quite some time, uh we were surely be, uh will be graduating soon we'll be getting a job back, so surely we have we have an end goal lah uh for me personally is uh to buy a house uh maybe for you is different uh starting a family buying a car or buying a house uh


what is your, maybe your proposed strategy on, if I if for me lah I say I want to buy a house what would you recommend


sorry what about myself is it, what, would I recommend someone planning for, buying a house is it I think


okay I think I, may adopt a, a different approach from you like you said you'll buy your house you'll stay, in BTO and you'll probably stay a long time there right, that's what you said, uh but for me I guess I'm more, interested, in moving towards


uh private housing as as a as my first home uh, I guess hold on, ya I guess , I, I would want to actually make full use of uh earning money first uh I I wouldn't want uh I mean


if you buy a BTO there're actually restrictions to it like uh, the first thing is that if you buy a house as a BTO you probably have a long waiting time now especially during COVID uh constructions are at a stall and maybe it will take even longer than five years as long that's what I heard that's one barrier another thing is


is that once you stay, if you are okay for you is no issue cause you plan to stay there a long time like for me I I'm looking out to, flip properties lah, so for me the restriction of the BTO of their minimum occupation period of five years, I think that's a quite a barrier for me to uh


to flip the house and to actually, reach out eh to actually, expand expand my worth lah in a sense that uh


yeah definitely I I agree with you some people view their house as a as like


a home ah some people see it as like a an investment lah like personally for me okay I think we can move to the next question maybe you can choose one question


okay actually I like the idea of CPF uh in a sense that it prepares us, for retirement and also it gives us interests to interests in, a good interest rate of two point five percent I guess that's a safe way to uh grow your money and prepare for retirement lah


uh but, in a in another sense it's like uh I guess it takes away the amount of which is in our, wealth that you hold at the current moment, so to me


uh take take for example you earn, four thousand, you don't really earn four thousand you earn maybe uh, three thousand five hundred after deductions of CPF, hope that, so I guess you can only spend three thousand five hundred instead uh four thousand some people see this as a loss of opportunity to invest lah some people think they can get a high return than the CPF interest rate of


two point five percent, uh like for example uh stocks or REIT uh safe investment like REIT can easily get it not easily lah but, it's uh uh average gives you about four to five percent, return so ah, I guess my thoughts on CPF is that it's good for those that


are not familiar on how to, manage their wealth gets the government comes in to to support them instead but for for those, who are very affluent with their money they know how to spend their money, I think it will be a bother to them lah I think that's that's the case they want to withdraw their money but it's stuck


I agree with you on that point about, uh, you are rich I guess they got uh they have, different, CPF contributions for different pay scale and they cap it at six thousand, but I think, no uh in which we talk about the low


income uh I guess uh, they should actually give some, uh, leeway for lower contributions, so that they can , be comfortable lah with the


one should only own a credit card, only if they are very certain that, they have the amount of money to pay back, so I guess uh you use your credit card not because you you cannot pay now you use the credit card only because, just to get the benefits of the credit card hello no idea like


I guess some people use credit card because uh they hate to take the loans uh I mean they cannot they don't have the cash right now so just develop the payment that that moment itself but that shouldn't be the mindset when you have credit card, you should only have a credit card only because you know your worth and then you know that


uh because like because if you have a credit card I mean credit card is there because the benefits that it provides lah not because uh is to, make you suffer from the from the interest rates that uh if you cannot pay back, so I guess there's uh two minute maybe you share your point on this


I I agree with you on that, that some people they, they think they earn the money they think they have the money and they, spend luxuriously but actually uh their credit card loans are actually all over the place lah, uh so, and you'll pay right uh


so yes uh to me, personally credit cards uh for me, I I believe that I will spend wisely and I'm there to get the benefits lah uh not to, make myself suffer so I will get the credit card


the safe the safe (uh) payments only [lah] not no big big ticket purchases [lah] okay I guess it's twenty minutes already


okay uh thanks for sharing that very long , and detailed story but, okay uh for me I wouldn't say I have any similar problems as you but I guess I will touch on another topic lah, uh one is I think the topic about health and fitness and then okay earlier this year I actually registered for class pass lah uh


I been actually looking at ways to, lose weight, as you know I I've been gaining a lot of weight, and finding ways to exercise but, to a lot of no avail lah so ah one one one way was that I actually registered for class pass


uh class pass basically , a uh monthly monthly deduction for your, bank uh but then, one thing about class pass is that okay you have the, you have a wide variety of choices to go to a lot of different classes but


they tempt you that way uh like, you and you can go for boxing class you can go for spin class, you can go for gyms but but once you commit to it actually, uh what we get is very different lah, , the prices are exorbitant it's not within the range


basically if you pay fifty a month you can only go for a few classes only, but, uh which is uh I think it's a waste for money uh it's not suitable for me is, a negative experiences in the sense that, I thought it will be something that I want from the way that they marketed it to be lah


, and I guess finding a gym that actually is very suitable for me it has been a very negative experience in the, sense that, I cannot find a gym that suits my price one is price range another is that


find the right, distance or location to where I am, uh another is that, I guess I cannot find a gym that can actually motivate me to go, and exercise lah together a reasonable price reasonable location that I can actually bring a friend to


uh cause I think I don't think I can personally exercise myself I think, to only consistent period was in during NS where I got friends to exercise with me lah but I guess this has been a constant struggle for me lah, uh to actually find sources of uh sources or places actually exercise uh and


I guess that's one negative experience that I have , okay I think there's another one, uh electronic devices that, that I am disappointed by uh maybe I'll share about this do you have anything about this is it if not I'll share first


okay uh for me uh I actually own a Apple watch lah, but I've, honestly it's something that I'm actually very disappointed ah, at because , maybe is is a is a preference thing lah but, I am just too lazy to charge it lah


uh one thing about the Apple watch is that, I don't know what's the purpose of it, it functions exactly the same as a handphone, that's uh just that, it's uh you have an extra thing to charge ah, so I'm actually very lazy to charge these kind of things I have uh also another electric toothbrush that I bought I thought it'll be cool lah but end up


also, it's it's rotting lah I don't use it cause I lazy to charge I guess this kind of products, uh they are not really user-friendly to me, right uh, because it requires it requires the responsibility uh commitment to use it as


as you compare to maybe airpods airpods is something that I will recommend you still use, because uh they have a charging case or they have a charging case so even if you are lazy to charge it, uh it doesn't affect the usage of it, you you know what I mean by that, because uh you don't you don't need to be near a charging port to recharge your airpods compared to an apple watch you cannot just charge charge it uh the random suddenly suddenly you want to use it suddenly it's dead you don't know what's the time suddenly when you are riding uh riding motorbike or something you want to check the


time you know what's the time whether they are not compared to airpods uh if it's dead just put it in the charging case for a while and you can use it again ya, I guess that is one thing that I actually disappointed at this kind of products I think uh I thought it will be user-friendly but actually it's a it's a hassle lah


I would recommend not to use it, because uh just stick to traditional ways lah


about I think Apple watch they came out with this uh ECG ah, I don't think I don't know I don't know how that works lah, uh I mean if you go traditionally you go to hospitals if you do an ECG you'll fix one to your, or to your chest and then, to your hands and all that but they're now they're marketing it


as you can really read your ECG just to your wrist which is uh, I I know you can you can see how much I, am disappointed by apple watch already lah now that I'm complaining about their future products ,


uh and you're probably someone like they don't mind losing one customer I guess in their in their big, in their logistic company, ya , okay uh I think I I have a similar, similar disappointment when it comes to this kind of platforms and want uh I think I think it's okay to me mah uh it's in the family


where uh ya uh I order from grab, food lah basically so so the story was like this , I ordered this food twelve fifty nine PM lah, I still remember the time cause I was very annoyed at the situation I ordered burger king


and then okay you know you know how they say uh they they uh we found you uh what driver or something like that, so so we they uh so the the the delivery guy pop pop up already lah, so I I went to shower lah cause I thought okay lah we'll just take a long shower by the time the food reach lah


so I came out I saw uh it was one thirty I saw the time uh one forty-five will reach okay lah I play some games first lah I check uh I think the the kitchen was preparing your food or something like that so okay fine fifteen more minute, not to not to worry, so just play game I play game all the way until eleven fifty five I give chance lah ten minutes lah extra for them so I check the time uh estimated delivery time is down to


fifty so I was wondering !wah! maybe, maybe there's something they messed up lah so I didn't enquire I saw uh it still preparing or in I think it was something about in transition or something like that, so okay I continue to play my game all the way until two thirty still the food didn't come when it was two thirty they say it will reach two forty five


so I knew there was something wrong already, this delivery guy probably, he's playing punk lah so I called him uh, so I called him I ask him uh where's where's the food, he say oh uh I didn't receive any delivery


in my application, but that's very fishy cause I've I actually worked under Grab as a part-time before lah this kind of things is that you need to manually accept the order, or like manually accept that uh you gonna take this job so this guy uh when I called him he said oh I don't know I I have actually closed my app uh one hour ago but but the issue is that the delivery at the the request was made at


one hour thirty minutes ago, and then his he his his answer was that oh I closed that app already because I I I just deliver one job then I close the app, so he just brushed it off like that saying that it's not his problem, uh that the food hasn't reached to me


and he was saying to me contract the contact the Grab staff, so that's what I did I called the Grab, uh so no at first the rider said just cancel your order but that's not an option that we can get lah as as a user, because uh it can only be cancelled on your end, so enough with Grab


the the Grab call center called me lah, he said, uh okay there's an issue blah blah blah they wasn't they weren't very clear I guess and they said okay we'll just refund you three dollars as a a appeasement but I don't believe three dollars is an appeasement, value lah for the amount of hunger and disappointment that I went through


, ya so I guess that was that was one uh very disappointing experience uh with, this kind of, E-commerce platform I guess I'll I'll consider that as a E-commerce platform lah, that, these kind of uh situations


they uh, I don't know how they can actually messed it up lah to to say that someone is coming to take, uh the kitchen is preparing, and then to only to the disappointment that I didn't get, any food in the end lah I know I sound like I I'm very demanding but uh, actually on my end I actually waited for almost two to three hours just for my food to come lah like I procrastinated on my own work just to wait for the food


and then the food came late so I procrastinated my my work later, and then ya lah it's my problem that I procrastinated, then uh like, it ya this kind of, issues shouldn't be the case lah uh and it's a disappointment for me that it


oh


part two positive experience


okay for me, actually I have a very similar experience with insurance claim but for me it's the opposite lah uh I think for me, uh as you know uh, insurance you actually is a coverage for you right for me I I pay I pay the premiums every month or every year


but then I had the surgery early this year but I had no idea that I had a health insurance, plan, because I don't know the procedure or claiming I don't know what's the terms and conditions set so even when the healthcare assistant was advising me I had no idea what she's talking about so I think that's one drawback about insurance companies their their claiming right is very is very


I guess they phrased it in a way that is very hard for us to understand I'm not I'm not sure whether they purposely do it or just that I cannot understand lah uh but when, like for example for, for my recent surgery cost eight hundred dollars lah after government subsidies but uh I think one one term of the insurance was that you have to stay in a hospital for at least eight hours is it or


overnight lah one day basically, but I opted for the day surgery having no idea that I can easily not pay off eight hundred dollars so so in the end eight hundred dollars was paid off my MediSave lah maybe okay I don't feel the effect that much because it's my MediSave


but I think now looking back it's a it's a waste of money lah because I I been paying the premiums of the insurance for the purpose of this kind of situations but not making full use of it not like how will like not like what you did lah ya okay


for me it's a different letter lah my letter was from CPF for the deduction for my effect, ya so I guess I guess asking stupid questions to insurance agents, is better than making stupid decisions ah so indeed, next time I'll ask you about insurance claims okay


so okay I guess we can move on to the next topic think there's one about favourite bubble tea ya do you wanna talk about that , okay maybe I can share one product that we both can relate to that uh didn't have a good impact on the both of us uh I'm sure you can


so it will struck you uh when I say it uh it's accutane lah, , ya uh so accutane is basically the medicine that we take uh to clear our pimples lah uh when it gets drastic, , maybe in the long run is good not too sure but the side effects and the short-term


effects was, uh hellish lah as you can agree something that, I wouldn't maybe I would recommend if they can go through the pain uh maybe I didn't go through the pain fully I gave up halfway, uh so, maybe after this I won't ever go for such things again uh


maybe I'll just keep my face free from such products just let it go naturally lah , what what about you do you uh what what what is your experience about this uh product


, it


positive product or negative, product ya positive , sixty percent lah , okay lah


you you you wanna ask the next question, you you you can ask me lah


think it was a, very different experience lah to be travelling with friends rather than family you know it's a it's a different thing when you travel with friends rather than family I guess with family you have some restrictions you follow the, the house head in the family what their mood is but together with friends generally we generally have the same same mood lah same itinerary same interest so it was a different experience in the sense that uh all of us wanted to go to the same place all of us wanted to do the same thing


you agree right yeah and and yeah australia is a a amazing country not sure whether I wanna stay there but I guess for from the places that I saw it was amazing lah , if you remember the trip, ah, I think it's a something that we cannot achieve in singapore or not other places uh


it's something definitely I will go again together uh with all of you again lah, uh positive experience, uh highly recommended visit sydney melbourne and gold coast , ya and the and the flight I guess uh everything was kept on a budget right I think we it was a


nine days trip and then but we only spent, hovering around one thousand dollars which is uh something that I was aiming for lah initially we wanted to go to new zealand but then, because of cutting cost we ended up to go australia uh at one thousand dollars so it was actually a nice experience actually one of I will admit that it's actually one of the better trips considering that I went to exchange but I think australia still tops it all lah


uh because it's with you guys lah , ya, okay what what about you what what


it's not something different lah


yeah , oh it was longer than twenty minutes


ya definitely it's not something that, we can further exploit into when we grow old lah when we got our own families, is, ya I already miss it lah


properly time, ,


one aspect about travelling with friends is that even though it's cheap like we go for the cheaper options lah like for example AirBNB over hotels, but uh it allows us to actually emerged into the culture lah uh what their homes there are like and actually is a different experience lah


uh it's a it brings about uh, something something different compared to like hotel which is, very is it, ya similar in singapore also you can get lah, ya so yup so, positive experience for you


uh, we won't go separate paths , okay lah we got one minute thirty should we start a new topic a fast one


uh maybe you can talk about uh, okay lah I will share my favorite bubble tea and you share your favourite bubble tea, uh for me, very standard earl grey milk tea uh less ice hundred percent sugar for you ,


!wow!, any special pearls


I agree with you , correct I agree with you, so much oh ya one one more special ingredient uh brown sugar pearls, that one's for me, to make it a wholesome bubble tea experience


I guess that's why they call it bubble tea ah, , ya it's the returns from it ah happiness from drinking,


I agree with you okay lah ten seconds bubble tea good experience


okay Hasbi you can go first


for me now that I'm, going to graduate and I'm going to start working very soon, uh this topic about investment has been coming up ah amongst all our friends and we can we can see, like


for different groups of people like for examples when I when I talk to my brother's group of friend they are just talking about just saving up from their uh salary, monthly salary they don't they don't think about investment because what they do is they, live sort of paycheck to paycheck so every month their paycheck


most of it is used for expenses motorbike spending car spending house and, the remaining they just save and they have no room for investment so but then for, what I interact for my group of friends in university's different from


what I observe is that most of us, have savings have a portion of it used for our expenses and at the same time we still have, a bit of a room a bit of a leeway for us to use that for our future investment ah so when we talk about investment there are many forms that my friends talk about uh most some of it in the form of stocks uh ETFs and


some do fixed deposit schemes and stuff like that


for for for me personally also like you mentioned about religion wise I I'm a muslim myself and when it when we talk about, investment there are many many different kinds of investments out there but, being a muslims we have a lot of restrictions to be very honest and sometimes the restrictions makes makes me quite annoyed ah but I mean being a muslim you have to do what you have to do lah to adhere to your religion it's your faith anyway


so like for me I I'm looking I haven't start investing, because I believe that, uh is not the time yet even though it's very tempting to most of my friends have started uh because I don't have a fixed income yet I'm depending on my on allowance from my parents and part-time


uh money from my part-time job and stuff like that, so for me, uh I'm looking into doing ETFs and stocks investment even then also as a muslim I will have to look into what these companies are dealing with ah uh if they're dealing with things that are


less favoured by in the muslim sense then I won't be I shouldn't I should avoid as much as possible to invest in this stuff lah this kind of like stuff


uh I've I've talked I've talked to a few friends about this because being about being our age, the next step for us is, after graduation is job and after that what's next is definitely traditionally I mean not not definitely traditionally is to get married and start your own family and stuff like that lah so for me I've heard different different strategies from friends some


uh uh more willing to, uh get married and then, move in to the, to the, to their in-law's place and then from there on they will, uh save up money invest build up their finances and then they will splurge in that sense on buying a expensive property


uh and the other approach is to directly after getting married straight away move into a smaller house a BTO flat for instance three room four room maybe five, and then from there on build your finances as you grow along with your partner and years ahead later maybe think about upgrading and stuff like that so for me personally I'm more keen on the second


step which is that, uh getting married and after getting married, hopefully don't spend too much on my marriage but you know lah how malays you know ah how malay weddings are like, uh ya and , and then after that uh


should moving in to a small BTO flat as soon as possible because I believe that's that's a excitement from there lah like as a newly married couple get to move in to your own place the renovation part redesigning part and buying of


items for the house groceries you know like you live independently away from your parents and that is a new experience by itself which I think I personally feel is quite exciting especially at the start but slowly along the way you get bored of it and then after that build finances then maybe


buy a car if if we have extra money but I'll be more focused on, splurging on traveling ah that's that's that's something that interests me a lot and after that maybe have kids and if there's too many kids then think about upgrading ah yeah so for me I would want to


buy a small house and, as much as possible get the best first house so that I can stay there for a long term ya I'm I'm not keen into shifting, ya into different different houses as I grow older


more of more of what, what is your strategy what is your plans for your future


ya for for me is is different lah I see I see house as just a to stay in place to stay in and so I I don't really see it much as a like uh, , my the monetary value of it ya I I I I don't really see it that way but of course different people have different views


uh some may even call me foolish for for not uh, for not using house as a way to invest and grow your wealth even more but ya I mean different people have different views ah ya


has ya so I was thinking that uh, what what are your thoughts on


for me uh I mean CPF is actually a a really smart move ah for me from the government because like uh I was actually reading up about it how how CPF come about and stuff like that how how singapore managed to grow so fast and I realised that most other countries traditionally they rely on


uh borrowing from other countries or other banks which, uh on its own has uh its own set of drawbacks ah where you may be overly reliant on other countries and banks may change their interest rate and stuff like that in the end you have to return to external you know


but for singapore actually I realised is actually very smart so what they do is they borrow from their people, and they use that money to invest and to develop the country further so in a way it makes us free from, external influences you know like for for example if


uh like for instance south korea was uh more dependent on US when they were in when they were growing uh right directly after the war and, until today we can still see how south korea is very much aligned towards US and at the same time also trying to


accommodate north korea kind of politics ah ya but then for singapore you don't really see that I mean of course we rely on other countries for our trade and stuff like that so for singapore uh you know the CPF system has worked so far although recently they


uh change the laws where you cannot withdraw all your money at where at fifty-five compared to last time you can just withdraw it wholesale , I feel that, there's still needs to be changes then to CPF lah so like for instance uh


right now we are fixed to twenty percent of your pay goes to your CPF contribution, and I feel that maybe, instead of being so rigid setting it at twenty percent maybe, you can have a range and the person themselves can decide how much to contribute you know maybe some people want to I know you can contribute more


but I'm not sure if you can contribute less than twenty percent and some people, especially when starting out with uh some people have very very low starting pay but they already have a family and stuff like that you know different people have different starting points in life right so and some of them have to take care of their uh elderly parents and stuff like that so I feel


there should be some sort of leeway for them to play around with the numbers and maybe later on when things get more stable and stuff like that then, they can increase their contribution for CPF I mean in the end talking about CPF is still people's money so like


there should still be control given to the people, ya although is a good measure entirely to me ah that's my opinion of course, people hates it like eh it's our money you know why why the government controlling why I cannot take out everything at at certain age but it makes sense lah if without CPF I'm very sure there will be a lot of people who just don't think about retirement don't think about money in future and for some reason when they are older they get retrenched suddenly at


fifty plus years and they cannot and they cannot find jobs anymore and, then they'll be stuck ah with no income and they will suffer ah ya


okay err, very quickly do you think once you own a credit card


for me I grew up in a family that doesn't touch credit card so my upbringing has always been you save up, as much money as you can and, then you buy what you can afford from that money that you save up so like for instance car my family practice has always been to just pay the car fully so we tend to go for second-hand cars just paid full and the monthly will be just the maintenance of the car and stuff like that


but then as I progress to talking to different different friends and stuff like that I realised that, is a is kind of an outdated thinking but I guess like like for instance you have monthly bills every month to pay and, you know you can afford to pay such bills and stuff like that so


you can also use credit card to sort of pay off all this monthly, uh spendings and then after that you straight away pay back the credit card charges and, from there on you can get different sides of benefits but, for it's a it's a it's a big no ah for my family to do that just of the fear of credit card


but for me for me I'm still I'm still in conflict with myself ah but, I'm I'm I'm leaning towards getting one, and then just using it to pay off my monthly expenses and then immediately paying back the charges ah for the credit card


ya, (ppl) ya (ppl) ya ya


okay okay so for for me I'm gonna talk about health because uh like I mentioned earlier uh I was hospitalised two years back, and ya I mean the insurance part also has has has some uh negative experience for me lah but I'm going to talk about the hospitalisation part so back then uh I mean from young from


JC time I've always had this uh I will I will need to go to the toilet immediately after I have a meal so like within five ten minutes and it's and it's always very urgent like I, I urgently need to go to toilet to to do my business lah and and I've been


tolerating it lah in that sense I've been I thought is normal because you know I thought that maybe I just have very very high metabolism lah so then uh, along the way as I went into uni and stuff like that the condition worsen uh this was after I took accutane and after that it worse it got worse and worse and then there was this one particular week uh last year uh two years back when I had a very bad stomachache


and very very bad like pain lah in my, abdomen area so I went to hospital I could I could still walk at that time I went to hospital the one nearest to my house to just do like scan and stuff like that then I was expecting to go home lah immediately that's why I went to the one nearest to my house uh even though that hospital


from what I heard from my relatives is not that good so but I don't believe it because to me singapore healthcare is good so shouldn't all hospitals be good, you know and then when I went there uh they did some blood tests and they found that it was very bad then


I got warded and the reason for me being warded is that they couldn't find the cause for my for why I was experiencing the symptoms my abdominal pain and there was blood coming out of my stools and stuff like that so then I was there and when I was in hospital actually my condition


deteriorated like I, was like uh going in and out of consciousness like I was I just kept waking up and then I didn't realised I fall asleep then I just keep waking up and I was very very weak I couldn't eat uh the doctor also didn't allow me to eat because they were about to do some scans and stuff like that and then


it just passed uh like days I spent four days there it just passed so, I remember there were one instance uh I they gave me painkillers because I was in such great pain my stomach was hurting very badly gave me painkillers and then I vomited it out I am not sure why but I was feeling very weak ah I vomited it out so I asked


the nurse to give me another set of painkillers lah because I vomited it out and I and it was there like, in my vomit so I asked again then the nurse say like no uh we cannot give you you have to wait for the next eight hours so then, no I I was like unhappy my parents were arguing with the nurse not say argue harshly because we know they have jobs to do they have to uh comply to SOP and stuff like that but you know there should still be some leeway you know maybe can consult a doctor and ask for their opinion before just uprightly saying no


ya so they just said no and for the next eight hours I remember I just felt the full brunt of the pain lah and, things were just very slow even though I wasn't in like the lowest class ward or stuff like that I was in class B one four bedded with aircon and just uh the doctors come to me full geared because they have no idea what's wrong with me and then they say okay


we are going to send you for a scan today and then the next day they come okay we need to wait one day for the result to come out and then the next day they come and they be like okay so from this result you need to do another scan, and stuff like that so like there's no progress so after four days they still couldn't diagnose me and then that's when my relatives told me like eh you know move out go to another hospital so I went to another hospital


so I got I discharged voluntarily means the doctor didn't discharge me I I signed a few forms I don't know what I was signing lah I was I was half awake but because I was old enough to sign my own forms I had to sign, and then my parents sent me to another hospital in the central part of singapore


ya this hospital is known ah to be the best lah so uh when I went there same class B one uh we are talking about public hospital so I didn't really expect much difference ah in their treatment but I was surprised eh when I reached there, I was warded that same night I went through the scan which in the previous hospital I waited one day for it that same night I went through the scan I think about three four AM then I went out then in by morning about eight nine AM the doctor came and see me and he like okay we saw your result first scan let's do another scan


so basically at that hospital I did within one day all the scans that I have that I did in the previous hospital, which took me four days ya and then from there on within the second day in the new hospital I was diagnosed and they started the treatment already


ya so to me ya that's a negative experience for me ah what about you, ya ya ,


ya I was I was actually looking into buying an Apple watch for myself but then the more I look into it and I realise that it's actually quite a waste of money lah I mean the the main purpose why I was looking for it was because


I I run, I mean I run on my free time and and I don't have I will always have to bring my phone with me for the to track my distance ya and and I use that because I want to keep track like how much I've run this week and stuff like that even you don't remember what I mean traditionally you would take it take it down on the note


piece of paper and time and stuff like that but then using these apps like you can tell your pace and stuff like that so I was looking into Apple watch and then there's different different series and stuff like that but then, the more I look into it then the more I realised that it's actually not not really useful lah ya and because like you said lah you you need to keep charging it and I mean in the end it's just a phone and it has the same function as a phone


, ya then the ECG function also is is misleading to me like, I mean it it's a it's a it's a marketing uh tactic strategy but


I I think is is not good that they went there because like people just base it off the ECG and they will see the results, and be like okay I'm I'm healthy I don't need to go for checks and stuff like that I mean the right approach has always been go to the hospital go to see see a doctor yearly and like once a year once every two years that kind of stuff get the get the test done professionally and properly and hear their hear their interpretation of the results lah


ya, ya so uh moving on I I was disappointed recently when I ordered a product of a ecommerce platform uh I'm not gonna name the platform ya so on that platform uh


it's something like uh there was an offer like buy one get one free so I bought a portable charger, and when I buy it and this was three months back ah when I bought it so when I bought it and then I mean it, came is supposed to come I supposed to receive two because buy one get one free right but


like the the delivery was fast I think within it was it was local lah it was local basal I think within a few days I got the portable charger already and it was working everything was good so then I mean naturally I'll excited to wait for the next charger because in my mind that


okay maybe they send it out separately which shouldn't be the case ah it's the same order, then two weeks passed nothing happen so I contacted the seller through the platform uh and then the seller said that oh okay we forgot to include it and we will send it to you and two weeks later I prompt him again the person said the same thing oh very sorry forgot about


it and stuff like that and then until today lah I haven't received the other portable charger ya and I'm disappointed in the platform in the sense that, they weren't helpful in this, you know like uh I mean they have uh


measures lah like guarantee where they won't hand over the money until the transaction is completed and stuff like that but even then also when I request for a refund or like I request for I'm put up a complaint and stuff like that nothing happened, you know because on their end they see on the platforms and they see that the product has been delivered from they check the records from the seller and then they check the records from the logistics company that the courier service that sent it


and then that's it you know the done so, like I'm disappointed in that lah ya but I guess they deal with so many stuff and yeah I think they're just overloaded ah


ya and then


ya ya ya


ya actually something something similar happened to me I think about a month a month ago lah so I ordered food from a place that is very near my house I mean I uh it was raining lah so I I I was lazy to get out and buy food, and then it's so near to my house that I expected it to be to reach my house about half an hour maximum one hour cause it's very very near is like walking distance but because it was raining heavily and stuff like that so I I didn't went down to get it ah


then I after I ordered the food and they said that it will come within half an hour the delivery time, so I I went to continue studying ah and then one hour passed and I check eh how my food is not here yet you know like there's no door bell I even went out to the door and then I look at the map I saw that the rider


who was who was actually very near you know you can track the rider's location right he's like on the other end of my estate so I'm wondering like why is he there and then I tried to contact him there's that you know contact rider button, but that button doesn't work


like no matter how many times I pressed it right the chat chat box doesn't pop up so then I I had to uh call the support the app support and then they throw template messages like oh we're very sorry then all the sad emoji faces come out which is very unprofessional ah for me


ya they should have just like answered the call and just help me sort it out lah then in the end somehow miraculously the button that I, somehow on my app it it just change into a chat box where I can contact the rider after I filed the complaint ya then after that


the rider told me that uh he should have he should have delivered to my house first but then something in the system tells him to deliver to another house first and then come to my house which is like much farther much further away, ya I I don't know who is right or wrong lah I mean I I cannot be rude to the rider also it's raining and I don't know I was afraid that he got into accident and stuff


like that so that's my experience


part two, positive experiences


okay so for me , one positive experience I have is with uh insurance services actually uh when I was much younger I think in secondary school ah I think sec two or sec three ah uh I will always see this lady this I I don't know who she is ah I think she's an insurance agent that will come down to my house on saturday mornings


uh every year I will see her uh then after that my parents will wake me up just to ask me to sign some form which I have no idea what they are for and then uh, , I found out recently actually two years back ah when I was hospitalised that actually uh those forms that I signed over the years were for my health insurance and


so two years back I was hospitalised uh it's a very complicated condition eh and, , and then when I got discharged from the hospital my bills were, about, exceeded ten K, even after government subsidies because there were a lot of procedures


a lot of scans that were done uh medications that were, uh still patented so they're expensive and then I were I felt like worried you know like where where where can I get ten K to pay off even after government subsidies so like uh I asked my parents then my parents say don't don't worry you can claim from insurance


ya so actually insurance cleared ninety percent of it of that whole bill and then the remaining ten percent was paid off using MediSave ah either I can't remember I think was my parents MediSave at that point ya so, for for my family that was zero dollars out of the pocket so it was actually a positive experience for me in the sense that


from now on I know that I'm always protected by health insurance of course there are limitations to how much I can claim and stuff like that but, reading on the policy details because I got interested uh it has been


it shows lah that I have a safety net in that sense and is sufficient the limit that they set, you know uh and then last year uh exactly last year actually was october last year I was hospitalised again because my condition had a relapse and then


uh the doctor was was discussing with me uh what's the next like uh, treatment plan for me because obviously the original treatment plan wasn't working right that's why I was hospitalised again and there were two options given so one of it was uh a cheaper affordable option


but it has its long list of uh potential uh drawbacks in that sense where there're potential uh I can, like for instance I can get diabetes uh those that I remember from the top of my head the list was very long it was one whole page uh by taking this medicine ah uh that is taken orally uh diabetes and like can mildly there may be liver failure and stuff like that because what the medication does it is it forces my


immune system to drop, uh forcibly not not naturally ya so I may be more prone to fever diseases and stuff like that on the the another treatment plan that was given to me was uh to take this, medication uh via IV that is done every eight weeks uh it's very very expensive it's about


three thousand per dose three thousand dollars per dose and that is after government subsidy because these medication is still patented and, there's no uh, what you call that alternative brands to it so from there you know I contacted my insurance agent talk talk talk about it discuss the finance part and I realised that