ah I mean uh the patients were who were in serious condition they were given first priority we are fine with that but, the delay in our uh process of seeing the doctors were what lunchtime uh small breaks in between or tea break and all these actually err made the staff I mean the manpower


err and the doctors nurses and also ah practice nurses who were there it it shortened I mean it shortened their manpower which made us wait even longer over the whole period of time and there was so many patients waiting down there in severe pain


I mean we we can't really wait as in I mean I'm a student nurse like was ah under still studying nursing I mean we can't really act err no, what because we give them a pain score in most of the hospitals they give a pain score oh zero pain no pain and ten being the most pain different pain scales is it it depends on uh patient itself and we actually tried


like most of the hospitals try to ignore the fact that if they're really in pain line for example is just a headache it means there's something wrong they should like try to make a, more urgent most because they are really in a a and e for a reason I mean some people just take a small fever and make it into a big deal and go to a and e I'm not talking about them but


that's really they need to prioritize their times and like if they're going for breaks I think that they should be staggered along ah with their time breaks cause it's not really being efficient and uh for us to wait for entire five hours not even being able to see the doctors


and there's more patients out there to like there's also elderly patients who are actually waiting for their, check out or any like , urgent matters there are therefore since we are also doing a ageing we are also facing ageing population this might not really be a good start


for our care for elderly also and when we actually met the doctor they will move fast in diagnosing and just like letting you go and like move on so that they can say next patient I felt that because err that time my father was actually


having a minor stroke but it wasn't really identified because there was a bit early stage for them to identify so I'm not saying that they misdiagnosed or anything but what happened was like he wanted a bit to rest like a outpatient bed or something but they were really preoccupied they were fully occupied and they couldn't really provide


much assistance to that and when we asked about it the the way they responded I mean we expect doctors and nurses to be a bit more friendly towards you but they were more harsh in the sense in that time period because they were actually rushing for their lunch break late lunch breaks and stuff


so I feel patient should be given a like the first priority compared to your needs but I'm not saying that they should starve but like there should be a routine like they shift in there should be a staggered timelines for doctors and nurses to like


uh be there for the patients and not be outnumbered err compared to the patients and stuff, so I feel like the system is still not up to the par in a sense not knowing which I mean critical damages like oh a person bleeding to death and stuff ya you get that treated but


for the general public who are there in a and e I think you should try to sort out the priorities properly and the screen because the screenings were fast the pre screens were fast but, before seeing the doctor the wait is really long and this actually deteriorate I mean like


deteriorate some people's health conditions too because some of the patients were literally on drips and sitting down in a cold aircon room and they provided uh blanket and stuff but they were actually wasn't it really enough I mean you can't cater the aircon controls to each and every individual because


uh different individuals have different, take on what is cold for them what is warm for them but isn't if you could try to move a and e a bit more faster it'll be a better options for like patients to come for a


governments based hospitals compared to go into private because not everyone really can afford private services, ya


to be honest I totally agree with you that people are really using this service as a a fast express ticket for their services to be provided for ah the medical purposes but to be honest that's not really the case like leave us there gonna be waiting for even longer time cause you're first holding back the queue for others


and it also I'm pretty sure you won't be actually treated first even though your queue number may be in front of someone else because the person behind you might be, also having a I mean they might be having a ways serious problem than you are so to be honest a and e is not legit a expressway ticket to most of the people who think they can play around with it but what I feel is they make up the burden of sort of wasting their time


of others and also the nurses and doctors times who are actually there to , operate on not operate sorry err there to uh facilitate legit a and I mean emergency cases, so I feel like they're not just wasting their own time because they actually can get treated in a normal clinics or normal sectors of the hospital but you just prefer to go to a and e thinking that they can be treated faster but actually end up they are still waiting for like five six hours


although even the whole day so it actually doesn't really give you the sense of satisfaction of getting a express ticket they don't really know that they're actually waiting even longer, in a and e compared to a normal, uh clinical places to be honest because I think they think ah a and e covers err some amount of money that they need to pay like through the insurance or something but end up


they are actually being ah blindfolded and ending up paying the rest of the money cause it's not even because they know how to identify it's a a and e case or it's not so after you see a doctor if is not an a and e case then you're not really entitled to the discounts per se


so that's what I feel it's just the backlog that they're creating in the hospital queue


, to be honest err in economics term itself free rather goods are really hard, to, avoid isn't you get it for free why not use it that's the mentality of most singaporeans these days


and this I feel it it's develop through the generations is like sort of a pass down tradition that you feel so entitled, to the things that you're not supposed to be entitled so I feel at this case to uh decrease the free rider benefits they're getting from I think it's more we need to focus more on education right


because education is the key changer to all these misconceptions of you getting things I mean free good items that you are not really you not, you're not benefiting much from it you're just there because or I I'll I'll get it done fast or it's easier for me to get through that item and stuff


but actually you are backlogging people as what I say before and you're actually disrupting the service that is provided there so I feel like since is passed down from generation to generation and the older generation are really not really very educated about all these systems so they just like


free just take lor like like how people just queue for I mean they see a very long queue and just queue because they don't really know what they're queueing for is it for something they want or they don't need or they say or because you know if you sign up for this card you get a free items and stuff right


I mean I'm not sure if it falls under free goods but the thing is the mentality of singaporeans is like if it doesn't really affect too much and it's not costing you money or in the sense, if they feel that ah they're entitled to it and the generations the passing down of this system is really very bad


ah because government is trying to help the people who really need it and you trying to snatch the opportunity from people who need it really affects the whole like it looks like it's a corrupted system like corrupted


for me okay I do drink bubble tea but I'm not a fan of milk or tea per se so I just drink it for the sugar right, so I don't really like be out there trying different brands of bubble tea and stuff but the only brands I try is Koi, Liho and Gong-Cha so these are the three like most common ones I've try and for me I just go for the value of value for money which is Liho because you get a student deal for a


like a two dollar bubble tea with bubbles because ah for Koi that are in that sense like three sixty just more of me weigh the cost and because bubble tea is bubble tea I've to be honest it's almost the almost similar taste and


ah the same chewy bubbles one day like this company can make it very good soft and chewy the other days just stuffed and hard is just on the day that you buy it so like over the past, three bubble teas that like the three brands I feel it's just the day if you are lucky you get a good bubble tea if you're not then good for you so that's how it works for me because I'm not really a very big bubble tea fan because


I'm sort of a bit lactose intolerant so I'm not really into that so what about you according to bubble tea, (ppb)


part two positive experience


okay maybe I would say the recent experience my dining experience on friday itself


queue ah since COVID started we actually have to queue for a very long time before we actually entered the restaurant shopping malls whatever so, so that day ah it was still a long queue as usual so we were, ah we will shop I mean ah we went shopping then after that me and my friends gathered to go for dinner and it was a quite a long queue but ah to say and we were just like playing games and waiting in the queue so when it was our turn


the waitresses they just came in and like took our bags in because like one of my friend was carrying a very heavy bag because she was moving from place to place so she have to carry a lot of things so ah the waitress just like took the bag and like move they ah move us to the sitting area


and like they are really very friendly and welcoming and they actually provided everyone I mean it's not a very high end restaurant is more of like a, err like student friendly restaurant so we didn't really expect this service from there so we got complementary buns when we actually entered


and the way this ah serve us they already very gentle with us and because in a crowded night like mostly people are frustrated there's a lot of tension going around because err like they have to serve food on time to every customers and stuff but


at the ambience it was just very lively and jolly because all of the waitresses and waiters, they will just receiving you with warm welcomes smiles and like cheery way of like speaking and stuff, so that really made us feel very comfortable and feel as if we were in a five star restaurant to be honest


because we have not really felt that in a very long time because COVID we will just stuck at home and like we have no human interaction and that type of human interaction when we're out there dining was really very nice after a very tiring day of shopping and having classes online and stuff


so I felt that was really very good and their the cost of their food wasn't really that high per se because like this type of services you actually had expect it from a higher end restaurants, like michelin star restaurants five star restaurants and stuff but they were just a middle range restaurant so I really felt really happy and welcomed there that night ya what about you


a, ya about that we were actually joking after our our meal we're just like I think they don't deserve ten percent they deserve twenty percent service charge because we were really very pleased with their service that day cause every time we


oh your videos is of okay every time we err go into restaurant or any I know, there was where they charge a ten percent service charge and like extra seven percent GST we just dragged to pay the money because it's like you don't see sometimes you don't really see the point of it because there's not much of human interactions there or say they will just like serve you your food and we are done because you just order in a tablet and like


it goes on but now like this restaurant even though we were supposed to ah order from a tablet actually they came in and they like told us that oh the menus is all on a tablet and how to order if you really have any question just, like ask us and stuff and when our drinks arrived because I I wasn't sure what drink I actually order it was called a brazilian uh had


brazilian lemonade so I was like what's in it and they were actually patient enough to uh entertain us and tell us what's up with it and stuff , and it was really very like unlikely because there was a long queue outside there was still a very long queue outside and the whole restaurants was packed so I didn't really expect this service there so we really thought the ten percent was just not enough they need to get more and stuff


because the quality was really too good


I think was more of a worker complimentary because we don't really think much about it because we paid by credit cards and I mean we paid by debit card so we just paid and left


for me the ambience was a bit new is more of like a retro style and like a tomboyish decorations out there which really suits my


good I mean like because I'm not really a very girly girl so that tomboyish decorations really like it may help and stuff, and the food was I mean food is food lah you can't really like ah make it so extravagant and stuff you just taste the same food so the food was just


it wasn't mediocre it wasn't that bad it was good it was a decent meal for the price range which was like ten ninety for a meal at a err restaurants really a good deal I would say and there are a variety of side dishes that you could choose from and drinks


and they were really very affordable so that really gave us, a sense that like we can feel more comfortable and ordering more dishes and sharing as a group and uh there was a lot of customers around and it wasn't very noisy like there was no loud music pondering upon us which makes our converse with our friends very hard


to be made ah compared to like some other bus or restaurants it was really a quiet and peaceful place where we could like carry out our casual conversations with our friends, and that actually made us feel that we felt it was quite homelish ya that's what I felt


okay how do you think COVID has change your experience over services over the past few months a bit apple or any other companies you would like to talk about


okay for me err I mean at first when we first like singapore first face their first lock downs and stuff I felt that everyone was very unprepared they didn't they didn't really know what to do and err a lot of companies were going in losses to be honest I mean I wasn't talking about the very big companies


but like a small companies and like ah a lot going ah under I mean they were facing crisis but I felt after we got used to it like one month into it two months into it and after circuit breaker was like lifting phase one phase two phase three I mean phase three is yet to come


err they actually got adapted to it I feel so like no matter what type of of services you provided in singapore most of the companies were, ready and they knew the measures, and they tried to ah satisfy their customers first they put their customers and ah before anything for each small companies or big companies no matter what as what you say about nike I also went to nike outlet at ah IMM the queue was insane their waiting hours was like two hours three hours long


so err there was a customer I mean there was a, sales man standing at the back of the queue and like trying to warn us like are you okay if you standing for two hour queue three hours queue if not you can just like go around shopping and ah come back later because uh they actually give us, tips like for example oh err during dinner hours the queue will be shorter so you'd like rather come back during that time so can now have a small break eat or something then you come back later so that


queues are shorter and stuff and I mean that was true I mean they knew when the outlet gets, err less crowded and uh they actually kept us updated every time we actually asked during the queue and when we entered I mean as you said is a hundred each customers that can enter the outlet per time because it's not a very big space so when we entered


even though service providers were really packed because there's a lot of err customers trying on shoes asking for different sizes and err different I mean there have a lot of different demands for every customers per se so of for that everyone were on their toes like no one


was lagging or sitting down or like just chit ah chit chatting and just avoiding customers and stuff but they were all there to like provide the service as the best ability and also I would say the precautions they did take like be it hand hygiene be it temperature taking and be it control management


I just feel that it makes us feel a bit more safer to be in this environment because COVID pandemic really hit us hard, for quite some time now err comparing to other countries we actually have move forward even though we had a big number of cases compared to different countries similar they were bigger in populations compared to us


even though it hit us very hard we actually moved on progressively because of the measures that were put in place for malls and all the customer services that provide that was provided to us, and during COVID itself there was some services provided for example err your starhub TV ah ah TV connections WIFI connections they actually did allow ah


some of the ah their workers to actually come down to ah people's house to check on their WIFI connections and stuff, and I felt that we were not really left alone by the government like it's your own problem you solve it that wasn't the case that was left around with COVID because for me during COVID situation during with like during the lock down I had to shift house because I was renovating my house and it was really very troublesome because


I mean uh half of my goods were in the storage department, under the ah warehouse and stuff , and that really shook us a lot because we don't know if we are gonna get our fridge our normal equipment for us to like start our daily life after we move back shift back to my house and actually uh singapore actually did a good job in the sense even though they shut down they actually


were open to appeals ah for us to put in place so that we can they can make considerations, and allows certain err operations to still carry out their services and stuff and that really helped


us to get back to our house err during renovation and they legit took the precaution of like not letting more than three err workers working at our same house at a time that was really err everyone should be masked up even if you are


the owner of the house or you're coming in to help them fix their , uh water services their electronic devices or anything it's just the safety measures were very ah crucial in the play of our COVID recovery so I felt that that was the key to our success


like including the customer care even though cause singaporeans are usually more keen to complains and like expressed their dislikes by complaining about this and that but the way the I mean the products services the service providers


did their job was really commendable because it's not very easy to pleased all the dis ah satisfied customers along the way so I feel that err this was really a big change to singapore's service sector because they were going down


at the at the start but they actually bounce back higher because they knew how to manage ah this situation better than most of the countries that was facing it because when they open back their service sectors face to face interactions and stuff their COVID situation actually spiked a bit more


(ppb)


part one finance


alright so err sort of I I do have a savings account ah right now I utilize the uh, ah POSB save SAYE account I think something that recently started and the idea was to basically get you to deduct hundred dollars or any amount of money that you have that you like to donate ah pass away each month


uh to that specific account so they are like kinda doing uh savings kinda they they help you save and what on top of that they are willing to give a two person interest ah per annum what if as long as you don't remove anything any money from that specific account so I ya that's the account that savings that specific saving account that I utilized with ah POSB and uh


ah I think it's quite beneficial to an extent because it's helping me to save uh a monthly deduction and as well as uh I'm I can monitor it as well and so that's my savings account how about you


is there any specific reason why you're going with err POSB and not any other banks


alright alright I think for me POSB err apart from the fact that we using it since young, I didn't find the need to switch over to any other banks because of their attractive ah interest rate as well as uh their they do not require a minimum amount to be held in the in their account unlike other banks where some banks which like not like to name ah they will require you to


have a minimum balance of two thousand dollars or or so so that the, uh if if you don't have two thousand dollar or or more okay they will end up with deducting two dollar every month and I think that's that's not nice so that's one main reason why I have mine in POSB


so moving on to the next question do you have a credit or debit card and if you do your experience and details with it


err have you ever had an instance where you needed a large amount of money to pay for a purchase and you realize your debit card is rather restrictive and in comparison to a credit card where it's not as restrictive as debit card


ah certainly would you be willing to get a credit card in the future


certainly, think for me I own a debit card and I've been owning it very recently for the past one and a half years or so and there was so, the reason why I don't have a credit card is largely because I don't see a need for it just like how you mentioned it as well and on top of that


if I feel that if I'm purchasing something that's out of my of my limits out of my reign there's something wrong you know uh there is no self discipline that's lacking there or I'm expecting something that is more than what I should be right, as such uh I don't see a need for a credit card and maybe I might not really get one in the future


uh depends on what I am looking for but but for now a debit card is more than sufficient it it's helps me for my transactions as well, whether it's an online transaction or any other transaction it's convenient and and that's that's the that's the main factor of the debit card and for me the debit card I hold is the one with DBS the the one offer the one week


SAFRA so it gives me some uh some discounts for SAFRA outlets as well on top of that it gives me a a rebate as well, of one per cent so it's quite convenient and is an all in one card as well so that's that's one reason why I I prefer to use a debit card how about you which which debit card do you use


alright alright uh as for the next question do you think couples should combine their finances and open a joint account so what are your thoughts with that


I think for couples to combine their finances and open a joint account it is a plausible alternative an option that they could explore but like just like what you say I'd agree with whatever you say in the sense that it doesn't makes


it it for some it might be convenient for some it might, make them closer but for most I don't think it will work because it it removes it removes that independence and the freedom that one should get one should attain especially when it comes to monetary


as well so I think they shouldn't mind any couple shouldn't combined their finances there is nothing wrong with uh taking a break okay after you do your spending expenditure you come sit down okay let's share what what has happened and what am I spending on that's good that's that's a constructive way of uh building up your finances as as a couple


but to have a joint account, and for the other person to track you and then say for example if you were to purchase a a handbag for instance the wife went to goes on to purchase a handbag the husband questions why are you spending a six thousand dollar on a handbag but and for him he might not be able to relate to whatever she is spending on


so with such with uh such differences comes more issues as well which just complicates a lot more things so I feel that they they can combine their finances, uh in the sense they can talk about it they can sit down and make a list of it and they can share what they're spending on okay they can put some money together for savings future savings that could be an account a savings account for both of them but anything else I feel that


err it's it's not a eh eh I don't think they should open a joint account together so that that that's my opinion


alright so okay let let let's make it off then I think I I got my ATM card err first got my ATM card when I was sixteen and uh, I still consider a child back then so I think I've got my ATM card because of the sole reason where I felt that I should get some freedom ah I think it was around seventeen actually and along my other friends already have ATM cards when they were fifteen so I was like something's wrong somewhere


as such uh I think but honestly speaking I did not find that much of an use at the same time I wanted to be independent so they gave me that sense of independence, but personally I think a child I think age seventeen is a good age where the child steps out of secondary and then comes in other expenses as well but before the child gets an ATM card I think their parents should


sit down and talk to them ah just give some tip tips and, and some ideas on how to better manage their expenses eh if not it's gonna be all hell break loose, so as for me ah I got my ATM card from POSB because I had my childhood savings account with POSB and there was nothing fancy about the features it was just a normal ATM card that help me withdraw money from my bank account so how about you


alright uh do you have a high yield bank account or fixed deposit if you don't do you consider getting one in the future


I think ah at one point I did consider getting an high uh high yield bank account it's the next it's the kind


current trend right now for many young ya working adults to get a high yield bank account that will help them to get quite a bit of return in terms of interest rates back, but what stop me was the minimum amount that they required I think they required around


ten thousand dollars or actually they they require quite a bit more for it to earn an attractive amount of interest rate which I think it's rather restrictive and is an obstacle to many who might want to open one ah fixed deposit I do not have any idea to and I do not plan to open one it might sound lucrative to open one


but I feel that to I would rather place my money somewhere else invest it somewhere else than to place it in a account and leave it there for the next couple of years, because due to inflation due to the the due to the core inflation increasing eventually with a couple of decades later what your money let's say put it in a thousand dollar ah fifty thousand dollars inside the fixed deposit that the value fifty thousand would eventually drop


I think if you were to buy for example chicken rice for two dollars ah fast forward to thirty years later, that same chicken rice will cost around six dollars so as such the value of fifty thousand dollar has depreciated, which certainly is doesn't sound great and I don't think anybody want their hard earned money to end up in such a way so as such I'm not a fan of fixed fixed deposit accounts and I think money can be invested elsewhere whether it could be stocks stock market properties et cetera and et cetera as well


so that's my opinion on that, so moving on err just want to ask ah so , I feel purchased any insurance products from banks or if you haven't have you met any ah insurance agents who have talked to you about the insurance plans and


and why why did you take it up or why didn't you take it up,


alright now I've I've met a couple of insurance agents they have stumped while while, having a good ever shopping experience and they have err come to me and and told me and explain their lucrative deals on why I should actually come and invest in their company


and I've been tempted by right now I've been covered by SAF, with their insurance plan so I do not require one and and like what you said it's quite of a young age to actually have an insurance plan , I would consider one when I have my uh partner okay uh my wife and I well uh get a insurance plan maybe at the age of thirty and err start saving lah because the idea is uh you never know what's going to happen


and you know and the last thing any anybody would want is for their kids to be alone if something happens to their parents so as such we would have one but I feel that a insurance plan many of the insurance products is just uh a proxy for, what you could do in terms of savings if you had the self discipline to actually save up every month they are actually doing that for you


so as such I think you don't have to wait for the insurance plan rather you could do it yourself but, beyond insurance plan maybe the type of insurance plans that covers accidental accidents as well as uh any form of incidents those kind of insurance plans I think would large ah largely help because there's only so much that medisave medishield and medilife but there's only so much in the government covers there still have a bit of amount that the government does not cover and you have to fork it out from the bank


so as such uh right now like what you say I think I certainly agree with you in the sense that insurance products I've but right now they're not they're not of any, , I think moving on to next question what's your expense of purchasing investment products such as unit trust ETF stocks from banks did we have any if you don't that's all right


uh as for me I do have investment products from banks right now I utilized uh DBS because as my primary mode of err of the brokerage as my primary brokerage use to purchasing investment products I'm investing in stocks I've multiple stocks in multiple markets around the world


which I do not want to say err but err as for multiple countries apart from DBS because I also have brokerage in india, err to invest international stock stock india as well and I think uh I believe that at my experience of purchasing investment products have been good and bad I think there has certainly pros and cons to so it's a coin a perfect set of a coin so that's the idea


(ppb) alright


part part three negative experience


ah alright alright sure I think many of the consumer products or services that have very act represent negative experience are largely government based I hope the government does not listen to this so government based uh I think they are either I think basically if you all studying economics


and you all will know that government government based companies have their red tape and bureaucracy that attain decreases their efficiency of the organizations as a whole is a well known facts around the world and as such ah let me give you an experience I think step in your polyclinic before COVID and you'll sit down in the polyclinic for the next five hours trying to see a doctor


I think that is one negative experience that is common among all singaporeans that's what happens when you go for subsidized clinics subsidized common services it's a trade off, like suddenly they can do more they can do more to improve their service they tried they certainly try but what is not helping them it's the waiting time I went in at ten AM I did book an appointment even despite despite the fact that I booked an appointment at ten thirty I only got to see a doctor at twelve


so what what happened to this one and a half hour that's what I question myself when I sit down there and I and I realize that they have, a backlogged that's one two they are I feel that they are not thinking far ahead in the sense that they are not thinking about how long each patients gonna take okay you got you've got really plan it out to be systematic in the work


and thirdly they need more doctors it it's the it's the fundamental fact they need more doctors step in a polyclinic five rooms not all five are occupied you only see three rooms out of the five are occupied this before pre COVID right, and it's very obvious it's a blatant fact that you have an ageing population as such you have to ramp up polyclinics you have to ramp up their services provided by these polyclinics hospitals as such


so I think the government has a long way to improve the experience that a patient gets and I think we as singaporeans deserve to get a a positive experience with common services especially healthcare, and we are paying for it we are working hard for it we are working hard for the government the least the government could do is this


I think if you were to compare with finland countries of of or sweden for example of finland and I think they provide free healthcare free education free services for their people and you don't see a single person complaining about the queue


so you see there's a disconnect between, err the service as well as the government alright so with that proposes to next question of is it just us humans being impatient or is it something really wrong with the government or any form of negative services that we experience as well and as such


I think certainly of course if you were to willing if you if I was willing to fork out a bit, more of let's say another fourteen more dollars I would have visited ah private clinic and I would have been done with it for three minutes but that comes with the opportunity cost of is my three bucks worth is my three minutes worth that fifty dollars of expenditure so


sometimes we don't have a choice and I think my negative experience with the polyclinic has yet to change maybe due to COVID they have ramped up they know that the longer a COVID patient stays in a hospital the more likely everyone, is gonna get infected that's going to bring a huge problem probably all of them are gonna get fired so as such they worried so of course I think COVID is not a bad thing right I think with COVID they've they've err they've


refined the process they've made it whole ton more efficient and they made they made it more systematic and in my experience with polyclinic Ang-Mo-Kio polyclinic ah due to COVID I mean not due to COVID ah, during COVID time right so I think you I


I I had a flu I went in and they were very systematic they said okay do you are you are you in contact with the COVID patient okay et cetera do you have flu do you have running nose and then what if if you say you have a flu and runny nose okay immediately they give you the stickers and then that there's certain orange and green stickers okay orange means you're in danger green means you're fine


I saw and they give you orange sticker and then they give you the two and then they say okay orange take this lift go up, the rooms there and they cannot make you wait for too long right so they sit down there and I go in and I have to take the lift I go to the room I sit down outside, five minutes the doctors sees me he say oh what's wrong with you and he is oh I'm giving you a five day MC so and I I think I was done with the entire journey to the polyclinic in twenty minutes and before COVID to me like two hours


and added zero at the back so that is the issue right now right so I hope that the government ramps up at their services not only not only uh hospitals take a look at the government app take a look at uh, uh any government app maybe singpass they just release the application right how many bugs do you have you know you sometimes you have to close the app and then open the app again so there is a certain amount of disconnect between


government services in general as well as the services the private offer private companies offer so they have to and I would say the government has looking to ensue what other lucrative deals what kind what other, incentives they can do what others they can provide for this common services to improve so how about you do you have any uh negative experience with any consumer products or services


I think this this reminds me with the recent article that I read, quite recently and and the article talks about and a'ah that's under criticize ah I'm not I'm not offensive or criticizing you but uh that day the article talked about the idea of of it was a report from ministry of health and ministry of health talks about the idea of


many singaporeans a large portion of them are misusing, a and e and they're misusing a and e because of the idea that they know because of the, because of they thinking ah because of the


err the the assumption I gave that uh and it's true that a and e will give you a faster and a quicker experience right because the accident emergency or consider emergency you go through a and e and then they they they do it with fast so I think what's your opinion on it because you told me about a and e right and and I think


the reason why why I feel that perhaps why I feel that there is an issue with a and e is because we have many singaporeans, many patients who are misusing a and e uh with the idea that they ah can get it done they can get their service fast and so what do you you as a nurse


because you you suddenly have a fair for that own fair share of experiences in hospitals ah what's your take on it as well as what do you think we could work on and the government hospitals to improve this services


certainly certainly uh, alright I think this reminds me with the idea of a types of goods I think recently if you watched the parliament I hope this not a, video ah err talk about the idea of free rider goods right so demerit goods and ya I think from now on they called non excludable goods under economic terms and as such they are they are considered as free rider goods because uh people are using it


ah when they are not paying for it and when they don't deserve it right so uh what's your take on this free rider goods ah that we talking about for example a and e is an example of free rider good because uh it's a service ah that people are utilizing but they don't actually need it, alright so what's your take on uh free rider goods


certainly is that that's quite true to an extent uh the idea of free rider I think just to just for name sakes for formality sake they are call uh, non excludable and non rivalrous goods under economic terms and err for for example national defenses is an example of a non excusable and non rivalrous goods and uh free rider is an issue that we face at everywhere everyday and I think it's the governments uh and not so until the governments ah


responsibility I think the people have to also understand and take on this responsibility or what it means to actually be a free rider and singaporeans have a very interesting mentality wouldn't say it's a negative one ah it's a positive one where wherever there is something free you are the first one there you know and I think it's not only uh singaporean mentality I think is


found in some other races as well sure you want to talk about so as such ah free rider is is an issue that we have to discuss but it's a very deep rooted, fundamental idea fundamental understanding, and uh character trait that we have to change uh for the future as well


I think moving on to the next question uh what's uh can you drink bubble tea and if you do what's your least favorite bubble tea


alright sure


part two positive experience, alright so do you have any experience any positive experience that you have uh that you have gone through with uh any consumer products or services that you have any in mind right now


would you like to share why it was positive and how it impacted you


uh for me I I did experience a a positive experience but before I move move on mine soon I ask you some questions ah did you feel that so, with your positive experience did you feel that your I assume your


your the amount you paid for your service tax or, I think more of a service charge actually I thinks the ten percent one depending on the restaurant do you feel it was justified, and ya


, ya go on


so did you guys did you guys leave behind any tips or any positive ratings for them or was it just a ah worker complementary and then let's leave


so with with with with your extensive elaboration of this positive experience I just wanna ask so do you think apart from what I what I hear from you the service standard that the way that they presented to you they way the waitresses had ah talk to you as well and and the interactions did it contributed large large portion to your positive experience


but apart from that do you feel that perhaps the ambience or the decoration or the surroundings the atmosphere of the restaurant had any form of contribution, to this positive experience as well as the dish or maybe the dish was actually uh was okay or just mediocre but the service was the main main highlight so what are the contributing factors to your positive experience


I see that that's very brilliant sides from your end


I think as for me if I were to talk about the positive experience ah, and just like a lot of other people I was settling point to one company that has been acing it and that's apple of course, so apple have everything from the start the way they market it the way they know that how important it is to actually present ah positive after sales experience to their customers


and you will feel it the moment you step into their store ah the way they value the way they respect you and you might be just as normal person but that doesn't matter to them to them you are a high value customer, and you can see the amount of effort they put in the amount of training vigorous amount of hours and how to even how a small fine details of marketing and sales method to them


and I and one and the reason why I'm praising them is because of my recent experience, and I think I had two experiences to share the first one was when my air pods pro I think it it broke down and I was trying to desperately find some sort of solution to up fix it so I such as call the apple genius I think and then uh they contact me one of their guys


you know their ah tech support, and they've tried to troubleshoot me but I said I've gone through all their sort of troubleshoot and nothing seem so working so they they got me on the phone they were actually and talking to me for the next twenty minutes, with with no with showing no signs of ah impatiens or ah aggression and they will just smile you can hear the laughter you know they're trying to joke around trying to say how you know and and and the man who called me the man who was contact to me was actually from another country I think was from america if I'm not wrong


and when I told him that I from I was from singapore he was like oh singapore is a nice country is a beautiful country I went there once you know this this kind of small small light moments that they actually make the positive experience and what's more interesting is that it was just a phone call, so just a phone call and they have the way they bring the human touch to to the to the customer and I think that's very vital that's very important to any company that certainly serves or even delivers products because sales doesn't just just talk at your product


it starts at the moment that goes after sales right so even if you're not happy with the product sometimes the way they treat you the way you get your after sales and customer support will actually be the tipping point for you to return back to the company and purchase a another product as well


so another experience I had with apple was when I actually visit their store err we both me and my friend we book the session she wanted an apple watch so we book the session there we went to the uh jewel app apple store so we went in uh and they were very accommodating there weren't they they transfer us to one person who was really


was very well well known who knows uh most the stuff well when she talks about apple watches so she brought us in and then she sat down she gave us all the different types of bands and the different apple watches to try out, and I think what's very interesting was the way she sat down and the way she actually presented herself to the customer she didn't stand over us because when you we were use the sitting position and she didn't stand over us because when you stand over a someone it it gives you the idea of the the emotions of that of you towering over the person


and that's not beautiful or neither this is nice product to present to a customer so she's she actually squat squat and then she was she was kneeling down beside us and she was giving us through a serving beside her oh all the different types of air pods so that that gives you the idea of an assurance and and shows how much you value that person because


it it changes the scale it change the tipping scale from you being a superior to you being inferior and seem, look you are my customer you are the superior person here let me know what you want I'm at your service so it starts from your body language all the way to the words you speak and she was very accommodating she even shared her personal experience of ah purchasing the apple watch so she says how she bought this apple watch for tightening version and she talks about it and she shares I think that gives you that personal touch


that that serves at your after sales and and customer service as well so I think in into conclude all of it in terms of my experience it was certainly a good experience and, time and again I think apple has been a, has been solidifying their position that that we aren't just the products their sales and service matters to them their customers matter to them and that is certainly what differentiates them


between any other companies or any other technology companies because I've had products from samsung lenovo name it I have it so that kind of experience from them uh to apple so that gives me the tipping point say apple I'm coming back, so certainly I think for anybody who's going to govern a company who's gonna be the CEO of any company they should really perfect


their after sales experience as well as their customer service so that that's my experience, with uh one company that I'm certain been impressed with alright


I think companies are certainly aware of the idea the customers will certainly feel frustrated as they standing the queue they know that customers are going to get impatient


customers are not gonna be happy because now your store has a restrictive number of packs that can be in the store , I think recently I visited nike and nike factory outlet in Changi city point and they could only allow I think hundred customers within their factory outlet and beyond that you have to queue and we had like around twenty twenty people in the queue at the back and we were not happy of course


but then they got a sales representative to go and talk to each and every customer and talk to him and told me, it it this the question they ask me do you know that later we have a sale, oh it's two for twenty you need purchase two products to choose twenty percent off and three products to choose thirty percent off uh uh have a good day you know this so they lighten up the mood they are aware that they are these are checklist that and they prepare and prepare


err and they are forward thinking I think that's the word we could use they are forward thinking for their customers and their customers they value it okay , as such I feel that companies are well prepared and certainly is not something new today and certainly is not something ah they've seen before it's something new to them ah they would not have expected this but that that certainly shows how strong you are


as a whole as an organization whether you're willing to adapt to the circumstances, and move forward and try to change the type to ensure you have an increasing sales so generally I would say those companies or restaurants or any form of services or products sales that they've opened I think they are well aware of the new challenges


they are working around it I think if you look at ikea or ikea or if you look at apple or any other companies I think they're trying to more transit more into online sales right because people at home so these are some tactics that companies are trying out and err because they know they have to change certain things with relevance to COVID


so it's all about saying going to know something that's going to dampen them but rather it's gonna help them if they know how to utilize it well, because with COVID they're now gonna boosting up their online sales which means their amount of money they they spend on offline sales that includes marketing that includes after sales product that include having salesman there from salesmen to cashiers to anything that you call it an offline brick and store mortar brick and mortar stores they're gonna they're gonna now transit


gonna move the entire chunk of money to online sales as well as R and D research and technology research and development as such so I think if you if you are able to have an optimistic mindset and you're able to, look at COVID as a as something that's going to help you and I think this companies that I've seen it so far I think if you have look at apple uh they have


ah unlike any other companies they rather seen profits during this COVID time, so if if I think it's all about how you look at it as as a CEO as a leader how you gonna, have the right direction so what's your opinion on how COVID has impacted, what's your opinion on the impact of COVID on on restaurants or companies


part one finance


if I have to invest my money right it it depends on, , uh which market uh I think I want to go into like, but honestly right if if we talk about already the finance side if you wanna invest in the stock markets right people uh usually young people don't really invest in


the singapore stock market because singapore stock market has like a, you know like they have a they have a, minimum number of quota of shares you need to buy at least a hundred shares but if you buy in like the new york stock exchange, you can buy like one share also or two shares and


I think if you wanna invest in in stock market per se then you want to, uh you want to invest in like the US shares because it's easier to for you to buy them to invest so much capital, and , and you can you can test like sort of test water first see how how much money you wanna how much money you can grow and if it doesn't work out you can pullback think about investing in something else and so on


okay what what do you mean by DBS fixed deposit can you explain more, never heard of this fixed deposit, oh okay okay okay, okay okay okay


but honestly though , if I'm not wrong the DBS fixed deposit interest rate is like very low right I'm not wrong, it's like point something percent right


it will still grow I guess ya but actually right uh, actually there are some safer, not say safer or maybe equally safe options that I would say you can think about like, I installed the stock the stock market you can think about going into the bond market


when company issues bonds it's like a debt right so they're they're forced to pay you back so it is safe now typically in the bond, market they you need to give like maybe a few k a few hundred k to uh to give uh company enough capital for it to be worth it to them


but in the US they there's this thing called the risk free rate which is the US treasury bill which is like one to three year bond market so right if you if you give them money it's like the US federal reserve lah so if if if you put if you put money inside


US federal reserve I think the interest rate is about the risk free rate is about, now it's about three percent it used to be five percent last year, it's a lot more than , there's a lot more than the what what you get from DBS but a lot of people don't know this, so it's like one to three years and then you definitely get your money back and then you have to invest it again so it's something people can think about ya


ya so you invest in the US federal reserve like their their money and it's called risk free rate because they never default they will always pay you back


actually incidentally right I think a lot of uh singaporean people or like maybe not say singaporean but maybe people who don't really know much about the financial market right they invest in real estate in singapore, ya like uh, they for example I've heard a lot of couples would BTO and then they sell their BTO as a resale to make investment


and then they they go into real estate market to earn that hundred two hundred K


it's true lah but , for for BTOs is you know a lot of students are thinking about doing it so if you actually somehow manage to get your BTO and you managed to get past the MOP, then, you can earn quite a bit of profit lah


but yeah it's true, for BTO right okay so after september twenty nineteen after september twenty nineteen they done uh


uh uh uh revision of the policies so right now there's grants that they used to be a lot of grants but for BTO now there's only one grant it's called the EHD EHG the enhance housing grant so based on your income with a ceiling of up to nine thousand dollars you will get


a grant of uh eighty thousand dollars at its max you know it's about five to eighty k, uh uh max and this grant will go directly into your CPF, and this CPF and and then you can use this grant to pay for your whatever, but the problem is right last time they did this thing where


you they had this policy where you have to work for at least twelve months, of, or you have to have be employed at least twelve months before you can apply for the grant, right , but as but uh you always hear about students right students BTOing and you like wondering how that happens


so, what students do they have this scheme for students it's called the deferred income scheme, so, it's it's just for the policy of working for twelve months so if you if you are a student you use a deferred income scheme so instead of working for twelve months you just BTO now and then you they would check your income three months before you collect your key and then give you your grant based on that


okay yeah, that's the deferred income scheme, ya it doesn't which at which is it goes to show right there's actually little monetary value


uh from BTOing as a student because you don't get a grant and three months before you collect your flat right you're probably earning quite a lot of income already, because you have already working for let's say about four to five years as opposed to when you say you work one year then you'll be and your income is at an all time low you'll get the most grant you know what I'm saying


ya so actually like you know like a lot of students a lot of friends they always have this misconception that uh oh I need to BTO as a student need to BTO as a student, you know actually it's not true the only good thing that comes out of BTOing as a student, is time


you get your house earlier, and there's a higher chance of you getting a house lah because you BTO earlier but other than for the grants you actually don't get any grants


I don't think they have that policy anymore nowadays I don't think so, uh but you can correct me if I'm wrong, ya, but is a good thing from BTOing, before you're thirty so if if you if you BTO before you're thirty right


(oo) ya if you BTO before you're thirty, uh the down payment of ten percent right you can split it into five percent five percent, so you pay five percent at the start and you pay five percent uh right before you collect your keys but that one you don't need to be students as long as you're below thirty you can already


so like literally there's no point of BTOing when you're a, uh student monetary wise lah


ya if you are a student you need to be able to fork out like at least twenty, k about ten to twenty k at least, if you want to BTO and if you wanna fork out ten to twenty k to pay for your down payment, that's a that's a five percent already then you need to be secure lah


you need to financially secure you cannot give everything and then you are then you are like oh I am nothing, you know but, actually right I went to read about the grants right, actually resale houses right do you know that they have more grants than BTO, ya


ya as in they have so much more grants right that it actually almost evens out the strata so uh resale has two more grants one is uh, one is the family grant, so if you are planning to live with your parents in a resale house parents or children like like you already have children for example


then you get a grant thirty thousand dollars, eh wrong fifty K, or forty or sixty K sixty K yes, sixty K I think but if you plan to live where you're both singaporeans if you are both singaporeans and you and you apply for a resale house you get a grant of fifty thousand dollars that's it you just have to be two singaporeans


ya that's one, and another one is the proximity house grant call the PHG, so if you are living with your parents in the same house, then you get a grant thirty thousand dollars if you are living within four k m with either of your parents house so for example if you stay in woodlands and we get a house in near admiralty or something


then you get twenty thousand dollar grant, so for this is just for resale houses so for resale houses you get an additional grant of at least seventy k which really helps to even out the , the playing field lah the cost of the house you know, yeah


which makes a lot more sense lah so BTOing, I I get why now a lot of real estate advisors saying, there's no rush to BTO nowadays


no I just want to read up on different like it's all on the HDB website I just want to read then I I I connected the dots then I'm like oh actually there's no, reason, ya there's no rush to BTO


so if you had to give yourself financial advice maybe right before the start of uni what what advice would you give yourself


yeah I'm working but I think for savings wise I also need to be a bit more disciplined if I had to tell myself I actually didn't know what a fifty thirty twenty rule but , I should have had some sort of structure to save the money, because


uh when I work and I earn that kind of money I thought I will always have savings like my my wants and my needs won't outperform, my savings but it turns out sometimes you can just spend a lot and you don't really like realize where money is going


so actually if I had to give myself any advice right like my friend used to do this thing in army where he had this , app I think or like I don't know lah just any small app that he use to track his expenses so whenever whenever he buy something he will just put into the app then it will just all add up and then you can see what you've add it's been seem like a bank statement but like easier to access and easier to organize


so I think if I can do that I would start


part three negative experience


oh yeah I used to use his laptop, called uh asus, yeah and asus laptop it wasn't a good experience lah


okay whatever it's called it's not good, my laptop okay I I bought it in less


in twenty eighteen, february, around that I bought it at the what do you call it an IT fair and like I bought it at big discount it was one point eight I got it for one point four, you know, ya ya new new laptop


ya and like the I I I actually the way they advertise it it was sleek it was shiny it was like great and everything uh because it look so nice I took like, great care of it like, I will always wipe the keyboard I wipe in between the keyboard I wipe the screen I wipe the surface and I'll always make sure it was shiny so after two years it was still shiny


and despite the care that I took right one day, the laptop charger just, the laptop just stopped charging, okay so I was like okay wondering what's wrong and then I think it's probably a charging pit then right before I go to


the service centre to get it fixed, the laptop just gives me a blank screen like black, for no reason suddenly like one morning I wake up boom black screen and I'm like what's going on, and then I get I send it to uh technician they can't fix it I send it to another technician they can't fix it turns out like


turns out like , there was a short circuit in the motherboard, right that hit one of the drivers I think and it's just impossible to be fixed already


ya it just happened there was no reason on on why it happened ya so I think that was a like it was a very poor experience lah because, like I I didn't know what was happening, and I didn't know why why it happened and when your laptop suddenly just


like the like the like the there was just it just popped out


ya it's really it's really a bad experience lah like, for me right it it , it had started having problems right like right after my what do you call it my warranty ended, like right after


like I think it was two months after, it started having problems already so I'm just like what is going on so does the asus company know that this is the problem, that we are facing you know that's why they give such as short I mean they give the guarantee so that it's like right


right stops right before it it it dies


ya I think so who uses iphone five C no one did


overheat sia it bloated it bloated


oh actually there was good lah there are some good


moving away from a technological, industry, let's go to something a bit more closer to all of us the worst experience I've had with fast food, is at KFC okay, KFC like we all think KFC is fun it's great but there's never fails to be a time where I go to KFC and I'm disappointed


okay, okay maybe let's start off by the time where I go to KFC and my phone was robbed, okay, so like that's where it all started from, my phone was robed in KFC okay technically it was my fault because I left my phone on the


place where you uh on the counter, then I came back and it was gone and I'm like, no it was the place where you like what do you call it you put the chili ya and take a sauce, so I I I went to put it there and then I came back like in one minute I realize oh I didn't have my phone and it was gone


okay but that one maybe you can say oh you know that's your fault you should be more careful you can't blame an entire enterprise for that, it's true but, okay so that's where it started my bad experiences started, but , so the most famous thing that they have in KFC right is their cheese fries right


and it goes in in that never without fail whenever whenever I order cheese fries they give me like cheese that's like one third the portion of the entire fries, the rest of the fries is just dry and not good you know, I'm like wondering what's going on why are you so being so stingy with the cheese


then it it's come to a point whenever I buy cheese fries right I must always go to them and ask them !hey! can you put a bit more cheese and it only works about fifty percent of the time, then sometimes they are like oh you only paid for this much cheese then why are we going to put this much cheese for you and I'm like what's going on why why do you not want just give me more cheese


you know how are how are you supposed to eat cheese fries without the cheese it's just fries but if I wanted just fries I would go to mcdonald's, you know, and some more their fries right without a cheese it's like it's like a bit like thick and like uh, like fluffy fluffy kind of kind of texture which I don't really like


you know like, ya like the the mcdonald's and popeyes their fries is like thin and crispy, ya like, so so every time the the cheese is just not good, okay


and then now let's move on to the chicken okay, we go on to the chicken so the chicken right when you buy in KFC the chicken that you buy you can get like the two piece or the four piece and and and so on right, so , first of all whenever I ask for thigh meat they'll be like I I again it only works fifty percent of the time sometimes they'll give me sometimes they won't they'll just still give me like breast meat instead okay


but that aside the chicken is just not good like it's like where whenever I buy chicken, okay maybe one or two outlets it's maybe good but in general it's just not good like the chicken it's just like dry, it's either dry or like a is like there's this old non fresh kind of kind of taste with KFC's chicken


like it's just really not good, so whenever I I Dabao uh KFC and, and chicken and bring home I always I always need to Dabao like two piece chicken to like eat with my home food because I was lazy to cook chicken I'll just cook I'll just ya I'll just Dabao the two piece chicken


then, like it just won't go well it's like the the the skin is not that crispy it will be like a bit like hard-ish and then the the meat is like a bit dry, and there's just this old taste and just doesn't really taste very good like there's this stale I that's the only way I can describe it there's this stale kind of kind of chicken you know every single time or like ninety percent of the time I'm always always disappointed by the chicken


maybe the only thing good about uh saving grace about KFC is their burger their zinger burger the chicken they put inside is quite nice I don't know what they do but it's quite nice, but other than that right oh KFC has disappointed me countlessly, like but I still go back there anyway because that's the only place that offers cheese fries on the cheap


but yeah, have you had experiences with KFC or no


it's like tortured ya


ya jollibee is really nice, also, this KFC is not good


ya it's true the customer service is actually not not very good also, they have good customer service, ya have


everyone's really have, like there was this one time right in I think the near my old school I used study in SJI and ya I used to eat at mcdonald's, like need to walk a bit lah, so there was one time in mcdonald's right like cause I'm a uh stupid clumsy fool I dropped my drink, right after I bought it I took it from the counter then I dropped it immediately


and then and then and then it exploded all over the floor and I was like oh no what will I do now and then they were so nice that auntie came to clean it up she refused to let me clean up and she gave me another drink in in the place of it, like free they didn't like oh you paid for it you have to clean it up !wah! like you paid for it I'm not going to give you another one you know I cannot take it they are so nice like mcdonald's really sometimes the customer service is good but you don't have any kind of experience like that with KFC you know


ya like uh the zinger burger is not that nice but it is nicer than whatever that's left in the KFC so it's like the saving grace


ya but if you are talking about burgers right like I used to be a big fan of mcspicy like what you mention, but, recently I feel like, it's just a bit too, as in uh a bit too processed maybe, like like mcspicy right like there's there's this like variation to it sometimes you eat it sometimes it's nice and it's good sometimes you eat eat it and then you'll have diarrhea like ten minutes later


you know like, I don't know I don't know what's up with mcspicy but like it's like it's like very polarizing I don't know when when when it's going to like rip through my body but ya and like recently I've like mcspicy used to be good but like it's just that after eating some other types of chicken and patties actually I just feel like the chicken is a bit


too processed you know, ya it's like flat and nice and like perfectly shaped and like perfectly you know everything, but it's like it's just the perfection makes it like fake in a sense I don't know how to how else to explain it


I think my go to burger now I'm not sure why my go to burger now is the cajun burger in in popeyes, ya ya, I don't know they they put some kind of sauce they put kind of some kind of I don't know what they do lah but the bun is like puffy the chicken is like really juicy and crispy but you need to go to the right outlet some outlet is like like not not the best


ya, ya it's inconsistent but it's more consistent than inconsistent it's more good than not good you know like how to say


Jurong chef oh it's good, it's it's kentucky fried chicken you have to make your chicken good if not you are losing your brand name


ya it's really not, ya so i guess that's something, that now people know not to, go there much often anymore ya


part two positive experience, so Sindo I think you order a lot of stuff online and


you actually do a lot of shopping right so, do you have any product right let's say let's say you are not a part of any company you just want to give a free plug to the product what would you give


it's just women's clothes, ah okay okay okay (mmhmm) !wow! okay wait topshop closed down oh I didn't know that (ugh) <B>


actually I don't know I don't really do that much online shopping, I don't really do much shopping in general like if I buy clothes right it's probably I only but it once or twice a year, for my birthday that's about it, which ya but ya so but actually right I okay there's this product right I'm not sure if you've heard about it's called lumin


okay because you have it here, no I'm not a, ya ya I'm not a I'm not an advertiser or you know making any money by advertising this but it's just I don't know how they do it right but they advertised in a way that only men see it you know because it's a skincare product for men


okay, like women hardly see it in a sense, but for men it like appears on their feed so many times right that you can like literally like uh whenever you see the ad you can like repeat it after them or like you can say along with them because you just see it so many times and then


like I I think a lot of a lot of my friends are like they don't trust you know they think this is like SARS they don't know what's going on, but they're very smart you know like they use they use , uh african american guys to advertise uh skincare products like really not the


they really use like people who are like from like harlem like like the ghettos that kind of people to advertise this product I don't know how they do it but they do it and it's somehow very effective, because it's like if they do it then I should do it too you know because they care about their skin


as in it's just uh interesting marketing technique lah, i think, ya but honestly their product is very very good they there's this thing you can do right , you can get a free trial for six fifty, six fifty USD I paid


six fifty USD, then you get three you get the cleanser, the moisturizing rub, and the exfoliating rub then I'm not I've not much to say about the cleanser the cleanser is just like okay it's like it's like okay it's just okay, it's just like any other like face soap lah I don't think it's very very good but the moisturizer is very very good


the moisturizer is like uh, it's like when you you know some moisturizer right I don't know which one you use but you wipe then you'll see it become like all oily, yeah but this this moisturizer is like is like cream based also it's like like sticks to your fingers but then when you wipe it like sinks into your skin


and then and then it's like it's just it's still dry and it makes you feel so good, like it's amazing, which which I'm kind of using everyday, it's very good and the third one that's the !wah! that's the best stuff okay it's this exfoliating rub, so right what they ask you to do is right they they they they take they ask you to take the exfoliating rub and you wipe it on your skin


while it was dry very dry then you just wipe wipe wipe wipe wipe then when you wipe like all the dry dirt, uh dry skin and dirt will just sort of ball up after you wipe, then after that when you wash your face


it's not a first time but like it's the first time I feel such an immediate effect, because for the exfoliating rub right when I when I use it, and I feel the dirt coming out and I wash it my face immediately fulls feels at least three times smoother and it's like and it's like doesn't break out or anything for at least the next three days


ya so, but the for the price ah I don't think it's worth it like I think it's worth it for the free trial so if you're a guy or if you're whoever it's just gave for the free trial


but for the price it's like the six fifty packet, package I think it's worth about sixty five dollars, so ya it is is is really not worth


I don't know it's just it's just for men, okay let me see, lumin I mean I I don't know if women can use it but it's for men lah, you can try it skin management for men ya I'm not sure you can try it though


ya I feel like the mask has been giving us, which is why skincare is so important now


how long does seven seven, sessions last


IPL is not permanent is it, IPL is not permanent is it


like the customer service is it


okay for some people


really top notch experience


ah make sense lah


how did you find out about strip it's just like online


so interesting interesting uh product that you have picked, so right let me ask you would you recommend, a guy to go to strip


so so ya so, so would you recommend right like your girlfriends to go for waxing or IPL, because IPL is really quite expensive though but it seems to be quite effective from what you're saying right


well it's a it's a lot of money to pay for hair removal though, I never realised it cost so much


okay okay so you definitely recommend your friends to go for, IPL especially if they go waxing or like they go for waxing services a lot like it saves a lot of time and, money ya, energy even am I right


oh that's because of ingrown hair, hair follicle kind of situation


ah okay okay okay, okay, so well I actually maybe consider, IPL, it depends lah if if I can see like uh if I can see like uh, discount for, for for men services or something


would you recommend would they would they would uh do people do IPL for the face no right, oh is it effective


okay okay I didn't realize they're doing for the face, oh I heard waxing is insanely painful so, I've I've tried it once I've tried it once or ya I've tried it once and


if it was it I was sore my my armpits were like sore, for like months not months okay, that's exaggeration for like, at least two weeks, my armpits were very very sore, so I like I'm just like uh I'm just going to stick to my non waxing


!huh!, it was uh like uh home kit, then my friend did for me


ya maybe maybe I'll I'll think about that I'll think about waxing, again you know professional, so it hurts less as ya it hurts less and I can take care of my body more ya okay I think we are good


part one finance, okay uh so maybe we start off with


how do you invest your money or I don't know how do you intend to invest your money


yeah personally also okay I don't do financing because I'm still very young uh investing sorry because I'm still very young and like I don't have the capital for that but like I've always imagining myself to be investing in the future so I have a friend uh she does investing


ya and then so she basically actually her father is a financial adviser himself so what she does is her savings she will put it she will pass it to her father and then her father will uh invest in certain things so I remember there's one thing like I think she invest in uh one of the cinemas in singapore and then like she also puts her


money in like uh fixed deposits in DBS so like I guess like this kind of things like is what I plan to do especially the fixed deposit thing cause I don't I heard that, I mean it's the safest way compared to the other investment opportunities that you have uh so I guess that's where I want to start but I require the money for like the capital for it and I gotta work


like during my internship then I'll save that money and then I'll start investing that's my plan, I mean fixed deposit is like basically you just put your money in a bank and then after that the money will just mature over a few years


I'm not so sure to be honest but like uh for some


but other fixed deposits I don't think is relatively high also, like I recall that cause usually fixed deposits are the safest way what like it's nothing to do with, like you just put the money you put your money and and let it mature that kind of thing so like as compared to like the stock like doing stocks that you mentioned if you do stocks then you have to ve` you have to rely on the market a lot right uh so it's like


harder in a sense because you always have to check you have to always keep an eye on the market what's coming up what's going down and everything so I guess it's relatively easier as okay it's not relatively it's so much easier when you just put your money in something wait for a few years and then you take it out I mean it won't be as much as you putting it in the stock


that kind of thing but you know it's still, growth ya ya


but this is in the US market contact correct, honestly I've never heard of that but like okay when I took banking and finance in poly like as in I took the module banking and finance


I mean they like we went through like the different kind of investment products that are available and I remember like okay it's been three years so like, my my you know ya so uh like I remember fixed deposits are the safest but also the least like earning kind of thing that you mention and then


stocks and bonds are like the highest in terms of like like they are the least secure because uh you know they're still dependent on the stock market but then because you're using the federal reserve I guess it's like government kind of thing right ya so uh


it'll be I guess it's safer in that sense but ya ya okay


!ow! ya ya ya ya ya ya ya, ya like actually, okay ya the real real estate thing it's not like young couples I think it's older couples also like I have a few friends that their parents are already retired like super early I think they retired when they were like


forty five forty eight because they had like like they had like a few houses not only like I think they maybe they have two houses in singapore one they live in and one they like you know do rental and stuff then they have houses housing overseas also so like that's how they get their money


ya I guess ya so like but in at the, all the things that you've been mentioning is quite like high capital required you know what I mean, ya


how do you start like how do you start like you know to what are the ways to get to a BTO in terms of finance ya


so the grant doesn't actually like activate until you get your key


I mean like, because for me like I thought like you know when you want to BTO you need to like have like, a certain amount of money secured like I remember that you have to have, three thousand dollars before you actually can BTO just to show that the you know


show the like I don't know show some some I think you should show the government that you're like, financially secure and you're able to pay, for when your house is ready that kind of thing so yeah I thought like you know we still need to have like a secure monetary pool that you have you know that kind of thing but ya


, I can't remember I remember this like a few years back but I am not so sure


but don't you think that you're still required to be like financially secure when you apply for a BTO like personally for me like as a student I will still want to be financially secured if I were to apply for BTO


I would think so honestly


(hmm), you actually know a lot about this do you do like a lot of research of this


I was actually uh because I was I was actually thinking of you know applying for one soon then after that I actually started, of a because of the COVID period right then after even doing because we as students we are not doing anything, so I was actually like thinking how can I like start


you know planning my financial journey, so I actually went to go and see my friend who is a financial like uh okay she's like, uh an insurance agent but she's also a financial planner lah okay so, uh I was talking to her about how do I manage my finances what can I do and stuff like that I mean cause she's an insurance agent right she suggested to me that insurance policies that are available


that like you know like financial policies that you know like the endowment plan and stuff like that and then she was like telling me how I can manage my finances, sounds like okay ya and then I realise that I haven't been, managing my finances relatively well like I used to actually like when I was in polytechnic I used to manage my finances pretty well like I had the rule that I followed the rule you know this financial saving rule which is like the


fifty fifty I don't know is it fifty thirty rule fifty thirty twenty, do you do you know what's that rule okay so this rule is like basically you have an allowance or you have an income right so let's say you've got a thousand bucks


so thousand bucks fifty percent of it goes to your, spending like actual like your needs basically so like uh travel transport, uh food uh, ya lah whatever whatever lah all these needs like you need to spend on it it's something that you spend on every month without fail so ya uh then you set fifty per cent of it to you know cater to my needs lah


then thirty percent is like wants so like when you want to go shopping, ya uh but like, that's like if you want to spend it like you don't have to spend all the thirty percent on it you just want to or not ya, and then twenty per cent is the money that you save so actually this rule helped me a lot when I was in polytechnic like I managed to save quite a bit and especially when I was in uh interning in DBS uh I think


in twenty eighteen ah ya I was interning in DBS I managed to save quite a lot, but it was only when I came into uni I stopped working and I didn't take allowance from my parents my twenty per cent I've been saving and the thirty per cent actually like I didn't really


spend a lot on my wants because I didn't really go shopping I only go shopping like maybe once every six months or something like that ya so I what I actually did was I had a lot of money saved in my account and then because I didn't have any allowance that thirty and twenty that fifty per cent that I was saving


actually started going into my needs, then because of that I didn't have like any amount to save like the thirty and twenty I didn't have, I'd I wasn't able to put it it aside lah so ya it's that one regret that I would have a


personally I think I should have just been more disciplined I think I felt like, I think I'm just less disciplined now like I don't every time I want to save and then after that like it's the end of the month and I'm low on cash I will just be like okay never mind I'll just save next month


honestly okay maybe I would have started a separate bank account because I only have one primary bank account right now that I handle mostly


so one thing I would have done is I would have opened up a second bank account which is what I want to do now actually ya i want to open up a second back account and put some money aside, so that like you know it's those it's that it's that, the bank account is basically just to put money inside


and then whenever I really really need it like emergency then I touch that money, ya so I'm thinking of starting this fifty thirty rule fifty thirty twenty rule again, I don't even know what this rule is called actually sorry ya


no I'm not working but like I mean I'm having allowance and I feel like I could set, aside some money, using my allowance ya


I actually think that it's quite useful like to like actually know like you know to start out you actually know how much you've been spending cause I think a lot of people don't know how much they spend every month like they just spend it's so easy to just take the card and then you don't know how much you spend you know what I mean


ya, so like I did tried it once but then I think it's just too tedious because it's damn hard to keep track like every time you spend you know


acer oh, wait I thought I thought you used another laptop last time


dude I use asus asus is it asus i thought it's asus, ya and it's not good I used it for my poly and it was so bad oh my god okay wait you share yours first cause yours small reason


, and they don't and they and they couldn't explain why right it just happened right ya


dude honestly I feel you I had the same like terrible experience okay so basically mine was like a laptop that I used for poly polytechnic so , and my polytechnic is like very heavy on laptop so uh you have to configure like the entire system on the laptop so like you actually have restrictions and stuff


so what I only use my laptop for was basically only to do my work maybe watch shows that's it ya so, uh I think I bought my laptop my laptop wasn't cheap also I think my I bought my laptop for about one point eight around there one point eight one point nine it was like a like a relatively newer model I think it's zen book or something lah I can't remember


but ya it's like it's this, like, I was like okay very excited it's my first ever laptop it's gonna be great I'm going to take super good care of it I took super good care of it like super pristine good care and what does it do to me it freaking like bails on me


on my second year as a student like it starts to malfunction okay so like the first time it malfunctioned I was like oh my god what's happening so I and I bought thank god I bought warranty and I think I also bought extended warranty so it lasted me throughout my entire thing my entire


polytechnic this one which is like really, it's such a good decision I can't believe that I made that decision when I was so young but it was a good decision but ya, so what happened was uh it malfunctioned so I have like to send it to the asus service center and then the asus service center was like oh okay we'll get it fixed and then uh we'll get back to you and then when I got it fixed


I didn't know that I all my data was going to be lost like they said that uh, uh they did say that it might be lost but, they said it high chance won't because my issue is something very small and I was like okay ya so I didn't, backup everything I only backed up certain things then when I finally then when I got it back


everything got reset then I was just like oh but then then they were like oh but you shouldn't take that guarantee you should take the guarantee on the contract so I was like that's one big mistake okay it was a mistake on my end so I accept it okay fine but, the computer shouldn't have malfunctioned on my second year of using it what and it was like not even like late second year it was like early second year


then, few months later it started malfunctioning again and then you know like your screen your laptop screen like my laptop screen popped out, like it was sticking out of the cover like the hardcover at the back


ya so the LED screen is popped out, yes yes so I need to get it repaired again they were like oh what did you do I was like no I didn't do anything like you know it just happened then this time I backed up my stuff then and it was like one week to finals so I was panicking I was like okay


not today man like not today repaired for seven days and then they've got back to me then they gave me back my laptop and then there was it started to have some screen issue so because my my laptop was a touch screen so they repaired and replace the L LED screen right


then I think the pressure on certain areas of the laptop like the certain certain parts of the screen like was higher there was higher pressure somewhere so like it was as if like I was pressing on one part of the screen but actually I wasn't pressing it's just


the pressure on that part of the screen is a lot, so like when I'm doing my work suddenly my cursor will go there and then it will just stay there for like five minutes until like I like slowly press it down then after that it will be okay again so it was like super like a bad experience and I had to actually like repair my laptop for like six times in total in three years


okay it wasn't even six times I think I'm pretty sure it was like six seven times okay seven times okay let's just put it as seven times seven times in three years no laptop should be should be doing that


(mmhmm)


ya I was reading like this article recently like ah okay lah it was part of my school article but like basically there was like saying like, if they have to offer warranty and extended warranty it goes to show that maybe the company does not have confidence in their product ya


so I'm like just thinking maybe asus doesn't have confidence in their product because okay I remember like I have a friend, uh few friends who have the same model as me and they all had to get it repaired also, so I was like thinking if your model is faulty you should discontinue it or like rather you should give


the people who bought those that laptop model like a chance you know like iphone five c, like you remember it was a flop, I used an iphone five C


ya cause ya okay I just used an iphone five C it was a flop because my battery like, I remember like I had a lot of issues with it like basically my battery died super fast, like within a few hours and then it will die and then


I also remember that my battery like what is it ah like when your battery expand means it bloat it ya ya it bloated right ya so my battery bloated also but thank god they like managed to I think at that point of time they did some like


free thing because they knew it was a flop so they like replaced everyone's battery for free or some shit I can't remember, yet at least at least they've you know they like actually salvaged that thing but this one


yeah, !hais! what are the bad experiences have you had,


okay, oh my god


take a chilli sauce ah, ah okay okay okay


, , !haiya!


oh yeah have popeye popeyes fries are good


ya ya that's true it's the only the


I mean personally I don't prefer KFC over other fast food places because ever since young like my dad always said like uh KFC cause he used to work KFC, I don't know whether this is actually true but he ya he I think it's true lah he said he did work at KFC and he said that it's like something like you shouldn't eat the okay you know how like you always watch like those documentaries and they say like fast food like they prepare their food very badly or like you know it's just like


like the chicken is not the good chicken but, ya ya ya or something like that ya so my dad was like saying ya he was like ya don't do this like don't don't eat there, that kind of thing so uh I I've, always never been a fan of KFC but like every time my parents or my family buys KFC chicken I don't know I just feel like the chicken tastes super oily and like I don't know it's I I feel like the quality isn't as good as like okay that which is why my go to chicken place is like


uh let me think texas, ya texas chicken is quite it's actually quite clean there's also this one place at Yishun what's that place called arnold's, man arnold's is good, ya and also uh jollibee I think ya jollibee


ya, yeah but like ya, ya KFC's chicken is not great ya and I always feel like their service okay the one like the outlet that I'm closest to, they always like I don't know the staff there isn't always really like nice also they're always just like what you want that kind of thing you know they don't like as compared to like certain food fast food outlets I don't know whether it's just specifically to my outlet lah but like they always just like don't care about customer service they just


want to do their work and go home that kind of thing ya they don't place a lot of emphasis on that ya uh, not very good right like you don't have you don't have uh recollection of when, you went to KFC and you had good customer service as compared to mcdonald's when you went there and then you probably had a good customer service before right


ya, ya ya,


ya KFC is just generally bad like I don't know I just don't prefer it like I wouldn't it wouldn't be my top, like !hey! let's go to KFC it'll always be like ha KFC that kind of thing


I don't know it's just the food quality I I also don't think that zinger burgers are that nice like you compare a zinger burger to uh mcspicy


okay okay I guess the only thing that I like from KFC is the bandito pockett, ya bandito pockett is not bad ya,


yeah nuggets, what other things uh


popeyes uh yeah that that's quite not bad


totally understood that but like ya as in like, I think the problem with fast food is just like they're always very like it's subjective to outlet also


like I think ya going back to KFC, actually okay maybe like I don't I don't know but I have hardly eaten at KFC so I don't know a lot of outlets that are good but uh the woodlands outlet is not good like the one at okay the only


one that is like decent is like the one at JEM is it JEM ya I think JEM ya ya, it's okay it's like it's better but like I still think that you know they could improve on their quality of like food


ya I think generally their quality of food needs to be improved lah, yeah, finger licking good ya


part two positive experience


free, plug ah online products ah actually I just only started online shopping when because of COVID like cause you know everything is closed then everything ya I started to, shop online more but I got to say everything is relatively cheaper and like not bad quality like ah okay so I've been watching a lot of youtube videos and then this brand called shein


uh came up ya and, their brand honestly has really really nice clothes and their super cheap and okay so I tried to order from them and then I when I came when it came, to like when it finally came ah the parcel came actually no got men's clothes also but then the thing is women's clothes only I think the women's clothes are like more popular like the men's fashion is not say very popular cause I don't see a lot of reviews so what I do is I actually read a lot of reviews


then got like there's a lot of reviews like for the clothes so ya I buy the clothes then after that I come they come right and then I'll try it out, it's actually quite accurate like the website right actually gives accurate measurements and, like it was it was actually quite like good like the


clothing okay I wouldn't say the quality is very good but the for the price I think it's very worth and there are some clothes that I actually use it multiple times now and it's still okay you know usually sometimes you wear clothes then if they're cheap then after awhile you can see like there's a wear and tear on the clothes


ya so ya I think it's quite good but like I wouldn't say it's the best I think I still personally prefer like physical shopping like clothes from like zara and pull and bear pull and bear is my top ya right now the clothes are damn like the design of the clothes


is very my style and is very flowy usually more comfortable and it's quite cheap also lah as compared to like topshop or zara but topshop recently closed down, ya ya topshop I think ya if I remember correctly I think topshop closed down ya you what's your like top products


no they didn't I don't think they do okay ya, (mmhmm) ya


I think you are using the cream based the the the cream based gets oily ya


is this your first time sorry is this your first time using skincare or something


okay ya true like ya your face did look different like your face looks like cleaner I'd say ya cleaner is that even a thing wait ah your face looks brighter definitely


, okay but like can women use it


lumin skin, I mean I'm quite I mean my skincare routine is pretty basic like I always trust this one brand which is simple like this brand called simple


and I don't know like it's always been doing the job for so many years I hardly have any breakouts I probably only have breakouts now but it's due to the mask that we've been wearing due to COVID you know ya


like irritation right ya, I mean you're wearing it the entire day and then after that you perspire and everything's caught up there but your lumin skin can help , !hais!, but like okay lah I mean my as in like right now I'm having a


positive like the positive product of my end is okay do you know strip do you know this place called strip, okay ya okay you probably don't know but like okay so strip is like this uh waxing hair removal services they do hair removal services


and I for a long long time already I've been, like engaging with their services for like waxing and stuff but only like recently I think last year or something I started to do IPL so this IPL is called uh it's just basically like


it's like they use light ultraviolet light I think or something like that ya to, like uh, to like remove hair so it's like like, not permanent but kind of permanent hair


removal so you like you just go, for like seven sessions or few sessions and then after that you will see that your hair follicles or your hair growth is reduced tremendously and your hair becomes really thinner, ya


so I actually did for my leg but let me tell you it's expensive, super super expensive okay so I think I did my full leg so full leg is like, three K ya three K for like uh how many sessions I think six six or seven sessions ya


but like let me for as a girl who is super like hairy, uh who like has a lot of hair on their body my god it works wonders cause like my hair, reduced by like I would say more than fifty percent like right now I haven't like done anything cause I just only finished my package like I think two months or three months back and I think my hair like the my hair still hasn't grown on my legs so it's like


oh you go like once every month or like once every few months depending on what the physician I don't think they're called physicians but, whatever the person says ya