become uh some of my friends' kid start at the age of eight one of this uh uh he's actually a he's a venture capitalist so his kid start off really young like from two years old already like can, do a lot of things lah so amazing uh I think I think with financial finance technology is important to upstart them real quick uh and not sort of through our paranoia right sort of hamper their development because


with the advent of technology AI VR and all sorts of things they need to be able to to understand where pick up very quickly how to apply financial management tools uh traditional financial management tools are things like ATM, card very very traditional right uh passbook my god let's not even go there but they need to know this passbook exist because there are some countries when they travel overseas that still use a passbook you you get what I mean so I I I didn't


cause they maybe their secondary school or whatever they can move on to basic mobile wallets and learning all this kind of thing !oops! I think my screen has died hang on, hello !oops!


ah something disappeared, ya it just died is it your Zoom package or something that went


hello, ya I'm here I think uh are we still recording or what the phone is recording, hello angel


ya my my my two recorders are running so that's it lah that's my point of view about about uh ya that's my point of view about ATM cards ah I think it's really ya it's fascinating


ya I think it's purely purely based on preference uh whether it's cashback points or miles it uh as you say you know uh I I mean I use all three I don't really use cashback much because I always forget to claim, so for me it's more points and miles I'm as I I tend to be one one ardent advocate I'm not going to say who but I've been supporting them for almost twenty years and I have literally moved with that with that


organisation through through the navigation of banks like I literally they change the bank I move every ten years they change the bank I still move because the program works for me and it's fantastic because it helps uh according to my lifestyle at least it works, uh from my points uh remuneration perspective it also works from uh you know uh rewards perspective or other intangible things like my parking and things like that so uh nowadays I think bundled benefits are sexier than you know just singular benefits because again you have so many credit cards you know how are you going to use so many last time when you're when I'm younger I can use twenty credit cards and swipe swipe swipe like crazy then I track track track now I can't be bothered you know so uh ya


right, K three I think experience


ah it's okay


okay


ya yup


ya I just did okay this is my pet peeve I'm not really I mean I I'm not I only just started latching on to, this online thing uh couple of years ago but I was only faithful uh I I have avoided the commercial lines like Lazada Shopee and all that kind of thing for the longest time I only started patronising Lazada and Shopee uh during COVID


you know because the I I use singsale and I love it on many levels because I'm very big on quality and I'm very big on, the fact and accessibility to global brands I'm not big on stuff that I can get in asia pacific because what's the point right and I am extremely cynical with sorry to say this very bluntly by items produced from china


uh mainly because I have been burned uh too many times both at work and at in private so I I I find that, there's just something about ethics about that place or maybe the person that carry or whatever I don't know how to hack that E-commerce thing works


whatever it is it's not working for me because I got no time to go and go to returns and all that kind of rubbish so I tell you one very disastrous episode that happened disastrous is the word ah, !wah! very stress I talk about it I get very stressed ya I will explain so I did a bulk buy that means in one invoice I bought


four swimsuits okay I bought two fit flops, ya it's a big buy okay and some bikini shade lah okay so I think I got five swimsuits and two FitFlop one was a Casa one was a walker walker type thing not not the not the slipper one ah they were both shoes the FitFlop shoes because in singapore you can't get the shoe type you always get all the sandally sandally types you know the slip ons and what not


ya ya ya ya I I I'm I'm I'm a such a FitFlop fan but I don't like the designs here so I find that the the more international the international carriers or platforms have more uh more innovative versions until recently I found out Lazada carries them but I'm just a bit cynical again because


you know I I don't know if it's really authentic FitFlop or some stupid crap that they plaster the FitFlop logo on it and call it FitFlop, so anyways I bought ordered these things and, after that episode I became, more


observant towards size guides because I'm not like you fashionista lah ah I buy when I need it and I usually and and actually I buy swimsuits for example cause I swim a lot, and there were I had a really fantastic experience with one brand uh and I bought this swimsuit and I wore the swimsuit until it completely ah became crazy like cannot make it right so I started looking for others and then I bought these four and it came mega oversized like you could put me and my grandma in it okay it's crazy


ya and then the FitFlop one was too small and one was a bit weird like it came ya but the bread everything about the product the quality was fantastic there was no issue with the quality at all it just was wrong size


now isn't this is not the problem still because uh SingSale has a very very robust refund and risk uh returns system and I have done a couple of these returns uh and it's really quite painless so what you do is you pack it all up right and you go to the post office and you


you you mail it back to them and the stupid thing that I forgot to do which frankly I don't even think it's stupid because I don't really do it all the time anyways but I should have done it on hindsight because it's such a big right so many things I packed it all up, and stooped off to the post office and


I didn't buy registered post I bought normal post because you just post to the singapore you know whatever that warehouse thing, and I didn't think much about it I just went on with my life, because I've done it before like I said so I expect to get my refunds uh it was a refund that I wanted so I had to return the items so sometimes what they do is uh depending on the item right so singsale does not require you to return the item they will just


let you have it because after all you can't if it's a dress you can't wear it it's crap anyway so I'll donate it ya, depending on the merchant like because it's a global merchant right so some merchants have a fully a full returns uh policy where you can just sort of you know you don't have to return the item you have to to show show very very tangible proof that the thing is whatever is wrong with that thing torn or ripped or whatever


right and you you get to keep it so with those the the the shoes and the swimsuit I had to return it because it was the wrong size and that why on earth would I wanted to keeping the darned thing anyways so such a waste of space right so I chose to return it, and guess what


it never reached the SingSale returns office, it never reached so I waited one week I waited two weeks I waited four weeks I waited one month I say what the heck is happening to my thing you know it's not tracking on my app right so I started to call I started they don't have telephone numbers nor human beings manning the phone just do the email things completely virtual which is highly annoying when you want to make a complain


so I wrote them uh you know notice after notice and they said [orh] we've not received it we can't give you your refund which is a couple of hundred bucks I'm like ah, so I when they say why didn't you check with your postal service right, so I went to deal with singapore post and guess what ah I tell you this is a horrible experience I have zero trust in singpost it's in another regions negative region at the moment I mean we only have one postal service one miserable postal local service in this country ah and the postal people can tell me do you have proof


of your purchase and all that kind of stuff I said well here's a picture cause I snapped a, picture of all my the stuff that I packed right nicely right I just snapped the picture because I felt I needed to for some site sort of securities reason that was purely personal nothing to do with anybody ah so I I found myself looking for the you know the when you go post office they give you that little receipt thing right


you know the little transaction slip or whatever you call it so I had a transaction slip and I had a the two pictures of those big bulky things and still and they were nice enough to ransack their backyard to find whatever and called whoever and I went I made two trips nothing was they simply could not locate


the items and did you know it was like it mysteriously disappeared into singapore's bermuda triangle so I'm like eh what the heck you know where's my stuff, and until now it remains a mystery a total mystery I don't understand what the heck is wrong with it but that's so bad so bad that I don't even want to buy online anymore and then recently


I bought this what do you call this this this skin this keyboard skin you know I I can't see this ah this thing you put on your keyboard so my Surface Pro uh I mean I've had it for so long right this this thing and the skin is becoming uh disintegrating so I thought [orh] well I'm going to trust


whatever it is Lazada or Shopee one of them I can't remember who uh and I bought !wah! I tell you came very nice crystal this and that !wah! very Kilat the the packaging all very nice you know, but then ah cannot fit


they gave me the Apple stupid keypad so I'm like eh I using a Surface Pro and the top row of the buttons, there's an extra piece of uh button indentation so it cannot fit all my buttons and I was very traumatised because I'm having this I'm doing this course and I and I write as you know I'm a writer I write a lot I use my keyboard like crazy right so I found myself


do you know plastering the new skin which is a crappy one on top of the old skin with the holes and everything and trying to madly type on it and I ended up injuring my keyboard which is not cool so I tell you I have at the moment I mean I still continue buying things but my conclusion is I'm not going to purchase


stuff from china number one because that that thing that I bought the skin was from china and they don't seem to know the difference even though they market one hundred percent Surface Pro this and that the thing came Apple I'm like hello what you know is there a disjoint here like


the Apple so the number two postal service issue ah ah, it's sometimes it's not the E-commerce platform you know you have to be fair lah you know uh negative experience it's not about the E-commerce because they are just the conduit you know but then the poor E-commerce platform also #kena hantam# because you


right you ya you they're they're the frontliners what, that's my journey I wouldn't say I'd stopped I wouldn't say I'd stopped because customer service uh to be fair across all platforms okay lah I mean is is not bad right


uh product authenticity and things like that well it's subjective but this is your your responsibility anyways you have to do your homework if if unless you you know like I mean if you know I I don't know if you do you buy supplements online


okay so I sort of started dabbling with buying supplements on Lazada or whatever I think it's I I ding dong between the two lah so I the only issue if uh supplements is they tend to sometimes cut you short on the expiry dates, ah product ya ya


it's true because ya go ahead, because I I mean the the the, the protective nature of the E-commerce platforms is that you can opt for return but my disastrous episode with the keyboard skin was that


I actually to be honest I want I I want to be fair to the vendor you know it because you you you sell me something I cannot use right and you take it back you give me back my money right fair dinkum right I really don't want to keep your your skin what's the point of me keeping that darned skin I can't do anything I don't have an Apple anywhere in my house you know


ya, so the stupidest thing was I have no idea who, who is facilitating this but it's very stupid so I wrote do you know there are this two way comms thing with the vendor and all that so I told the vendor I said look uh


I there is no other option on this uh platform except to opt for a refund but I do not want a refund so under notes I articulated that I do not want a refund, please because I desperately needed that skin right I said please tell me how I can return this to you I don't even care if I put a twenty cent stamp and you I I pay for it but I just want that that darned skin to be sent to me right the real skin


I'm desperate for it because I'm banging on my my keyboard now it's like my keyboard is curved you know it's irritating so so you know so, they and the vendor oh my god when I first inquired it was so fast on his his response time was super fast and then when you talk about this refund thing took a thousand and one days to get back to me it's longer than a thousand and one arabian nights


so I'm wondering what the heck right and at the end of it it was a miscomm there was such a massive miscomm over a skin that I felt of some six dollars stupid, skin which I felt !hey! you know what you guys are wasting my time I don't know what to do with this darned skin I end up having my refund and keeping the skin


and at the end of the day I have nothing because, the credit card is company is going to ask me stupid questions why am I having some small little ting tong refund not even ten dollars, and I I don't I think they I think the platform takes a cut by the way of a couple of cents of your purchase so you don't actually get your full purchase back you see you get it less a couple of cents so the whole thing is a fiasco you know it's just a waste of time


I had to wait one month to go to another vendor and I was so paranoid already by then I'm like ah do I really want to do this am I going to get a skin for some other some other model you know you know and stuff like that but I I got my I've I mean I I decided to trust a china vendor because


from all the research that I've done that one seem to give me the most authentic pictures and whatnot I I'm to be honest happier with that crystal thing but the wrong fit uh because the quality was better but this china skin thing that I bought, I mean it fits my keypad proper uh perfectly but I must say the the workmanship is rubbish right uh and I can't complain because I need my skin so is feel a bit rubbery as well uh to the touch but you know uh


what to do I mean you buy it online you can't touch and feel right you just have to suck it up and and and and deal with it what, I I I think you know what it's touch and go lah it's really touch and go like I'd I've tried buying supplements my mum is obviously the older uh generation is very against buying anything online they cannot touch they cannot feel they cannot see they won't buy right


but I think give them a chance lah you know and it's COVID I mean who the hell has time to go to the mall and buy all sorts of things right so I've tried experimenting with, supplements then you you you see you know like even if it's on sale there are one or two brands that I've purchased uh ya of reasonable uh


uh expiry is uh one year one year and a half I think it's okay uh but recently ah this this what is this this recent sale nine nine sale or whatever it's called can't remember the recent one the massive one uh I, I got a bit gung [ho] I'm like [orh] ya let's go buy more supplements right and I bought like a whole bunch of them and that's where I got burnt because the supplements now is october right you know


when is the expiry date I bought half a dozen ah march next year, ya and it's supplements ah you can't anyhow whack one you have to slowly eat right , ah so it depends my conclusion is right it depends on the vendor and you see the E-commerce platforms can safeguard both customer and vendor in that


you must do your part as a customer to do the product review you cannot be lazy and not do it, okay you got to do ya yes ya


ya, there's a truth to that there's a truth to that like I've bought very famous brands and I still get crap as uh I'm talking about supplements I get short expiry dates and what I do is I I I blacklist the vendor, because to me it's this kind of online experience right once bitten twice shy full stop no no U-turn right what U-turn is there you can't talk to me there's no touch no feel what so you know


they've lost me and I have now stuck with a gazillion bottles of whatever and I have to finish it right, ya so it is really touch and go like when there is a vendor that I purchased previously from I bought this bunch of supplements and


you won't believe it like I just calculated right the the the the lead time that they've given me so new I'm telling you it pretty much came out straight from the ship or something you know like two years one and three quarter years that's fabulous right I mean if you think about it so you have enough time to to finish it and look at the bottle and gloss your face on it or whatever it's really fantastic


[ah] so my advice is touch and go [lah]


part two, positive experience, okay so uh


am I was I'm not, the kind of person to buy tour packages because I like to go on my own I buy pieces of things like uh airline ticket and then I go and check out the whole darn thing and then I piece it all up by myself right very experiential a bit grungy depending on the age


uh but I had one experience where this is positive right where I went I decided because I want to take my mother with me and I can't do ruff and tumble with her right it has to be put more structured but I still wanted the element of you know a bit of adventure and I wanted to combine the two so I went on this hunting spree to find


a tour company in singapore that was able to provide me with, uh may the best of both worlds at uh well pretty good cost right , and the the destination was turkey uh and


I wanted to cover best of turkey I didn't want to, just go to istanbul and that's it right so I had about two weeks to spare, and, I wanted to cover as much as possible so I found a tour agency and


uh I but because I wanted to okay so before I started with tour agency right I I wanted to maximise my travel mileage right, so I chose to purchase my airline tickets for both myself and my mother uh independently and that's my condition to the agency in other words I'm just going to buy land only and I will settle my flights and the agency has to


figure it out how they're going to plan and map the whole thing so that they can join we can join them the moment we land uh considering we are not taking the same flight with the rest of the folks, I must say I had a pretty good experience short of the fact that I felt super ill, for like on the fourth day I was ill as sick as a dog for like three or four days eh nobody's fault not the agency's fault actually I felt they did a pretty awesome job if you asked me because I was as sick as a dog uh I had to get jabs and all sorts of things it was food poisoning on the run you know and it was a road trip


I was crazy right so but you know it didn't deter me from, well enjoying myself yes short of those few days where I was just dead flat underwater the agency, I must say whatever it is that they did I have no idea the itinerary planning uh was


well typically typically for tours either very packed, or very loose right I mean if you just take normal tours day tours whatever it's either really really powerpacked and you love it uh or it's super relaxed and then you just own time own target kind of thing and they leave so much gap for you to buy souvenirs and we wonder why when there's only like one souvenir shop


you know but this company was really good because there was not a dull moment I mean they they gave you enough time just about enough for you to mingle with your bus friends the the rest of your pals wherever they are right, uh people in your tour and enough downtime for you to do free and easy


and at the same time enough activities to keep you going on a day to day basis so I felt that was very important in a tour because I'm more of a day tour kind of girl I'm not the kind of go to do fourteen days in a tour and , you know cause I get bored very easily uh unfortunately I fell sick so well uh my mom had to uh


you know she she was alone and so she made friends along the way and the tour guide was really quite nice because he made it a point, uh to have her uh to include her with you know with the rest of the people so whiles I was being sick as a dog in the hotel room right


and it wasn't even a hotel room I was just sick on the bus I was sick we were moving like vagabonds from day today you see so it's not like you have three days free to sit in a room somewhere and do stuff no I was literally moved from the bus sitting fourteen hour rides going uphill I got altitude sickness


I was you know pooping all all directions run and back everything puking all that was bad it was really bad and I went to the best the best to what to me was the the highlight of the trip because that one hotel right was like , it had what do you call those the inbuilt spa pool and they had and uh the the spa water right is actually tapped off from the spring direct


you you know because it's cold outside you know we went at the end of the year so a lot of the elders don't want to go out so so they just go and soak up in there and so that was part what I missed so I think uh uh uh aside from that , everything about the tour was fantastic uh cost-wise it was pretty decent the time spent was good uh I didn't hesitate to recommend that tour company and its package onwards to many people who at the point when I visited uh was very curious about turkey


uh turkey at that point was not was uh an interesting destination but people were not sure on how they could maximise their stay in that place so so ya I I love it ya so that's my sharing about this


you should very nice ya


ah the bloody thing hung again, uh where's my Zoom, hello, why the Zoom keep hanging one


hello hello ya, just now my Appen also hang, ya but then I call for I I faster go and, no no no no I I I recording it now already


ya ya don't have don't have uh continue continue you buy your tour or not, hello, ya ya ya it's the same the same cause like all this status quo so what happened to your trip


ya I'm okay it's good, I don't know it kind of stopped and then I put it back on and it it and then it's okay


no I I recorded down ah number two positive experience I continue lor because it was the whole thing is closed closed itself, ya ya I don't know what what was that about it is back to like the same screen ya so strange ya ya ya ya no ah ya


I did I did I did anyway let's continue please, I don't want to lose the mojo of this travel story , yup, so what happened to your tour


you you you bought you were looking at your husband needed uh something or other


I just want to just sort of divert


our focus outside of tours because I I mean ya she to kind of travel agencies that supply tours just hop riding on what you said you could have just you know instead of buying a full on package you could have


bought piecemeal right flight and pack land and this and that so I'm just drawing back like to my own personal experiences aside from what I've just shared , to far-flung places that I've been because you know you the challenge in visiting far-flung places or weird places or stuff that's not commercialised in that sense is you tend to you tend to want to rely on


the travel company but then you get all the boring stuff thrown in as well and you know what and it gets an exorbitant sum of money you have to pay which doesn't make any sense so I, find myself typically, lately ah over the past say two or three years uh travel appetite has gone up thanks to COVID now zero but you know


you know up until then travel appetite has virtually gone spiked up for me like last year I've literally visited the most number of countries on a leisure trip I've ever done in my life I was crazy like I went to san francisco in, march april in may I took my mum to Dubai in june july I was in Busan in august I went to romania


and I was in london and then end of the year I ended up in malaysia and then COVID came along so that messed up my plans for this year so can imagine I literally was skipping all over town all over the globe rather and my takeaways out of this is , two two things the tourism aspect of things and the travel aspect of things I mean


it's become a trend and I've realised it when I go on the road uh not just at my level of uh my age level I'm in my forties but I talked to so many different levels of people from millennials to young teens teenagers you know to old really old retirees you know uh when I meet them


uh and I meet them on land tours right cause I I'll go at I I will buy my flight uh but as I've as I've mentioned I'm quite a nazis so I'm I'm a I'm big supporter of singapore airlines so I'll pay crazy money to just fly singapore airlines right and then everything else I will spend in local country uh it's my way of paying it forward to support the country and its uh objectives right


so for that you got to do a lot of homework for that you have to you know uh you have to, to do some legwork and stuff and I find myself researching backwards if I back it up uh whichever place I go up to one and a half to two months prior to the trip


uh what tourism services are there what sort of travel options are there is this the kind of thing you want to do I'll be going in a group or am I on my own am I going to do a land tour all these kind of questions come out right and then your uh budget is there so is it going to fit the budget or is it going to break the bank stuff like this uh personally I find that uh


uh positive experiences are variable uh but if you, plan if you are a bit of a nazi when it comes to planning and you have a bit of like you allow yourself the flexibility for cock ups to happen on the way because it does uh, uh then I think you have


I mean you most likely for most occasions that uh I have done uh travel have a good time because and maybe even more because you you you need to give a little bit of that space in any place in the world that you travel especially if it's far-flung uh for the unknown to happen


right the unknown can be anything it could be a drag it could be anything really I mean it could be natural calamities or it could be circumstantial or whatsoever and that's that's where I find the marriage between uh travel and tourism becomes very magical


you see because uh what the country is promoting and what you want to see may not be aligned but when you actually go down and sink your feet as deep as you can in the mud, then you get to see the real true wonder of whatever that country is promoting and maybe even more through the eyes of a local perhaps you know what I mean so I'm not sure if this is this resonates for you but I'm very big on


experiential travel and I I I hope to continue that well for as long as I can as long as my legs can take me right so that's it so ya so I'd share that


ya ya


ya yup


, you we can start with barcelona , yup ̀, we can definitely start with barcelona, for sure that's definitely in the in in the short term horizon once bloody COVID you know lifts its ugly head off


to add to what you just said right I think that's also a, it depends again scenario wise but there are some journeys I've taken where I've taken a combination of being a traveller and a tourist


because sometimes when you okay because I travel alone you see uh, some trips I travel with friends and and my nature of travel because I'm single right my nature of travel is such that, I will connect with my global friends we will join someplace somewhere even london or whatever at a central point and then we start the real journey that's what happened for my romanian trip which is completely crazy like in london whatever who cares I'm a traveller I I'm acclimatised I take the train and do whatever then per normal go to the house this and that


and then once we hit romania it was was like literally from the gatwick airport all the way to romania and back, I was completely wacky right uh ya so but but on my own I I, and depending on where I'm going I give you an example like when I went to Busan I had a combination of being traveller and tourist so in my first couple of days


I mean I've been to korea many times but not Busan uh like what the hell I mean I have a friend who lives there but she lives off the city center which means I have to take a train uh some bullet train or whatever uh to her her town Muri or whatever it's called, uh and then she pick me up from there you know so it it was a homestay at that point and it was completely like I wouldn't even use the word travellers naturalised literally sank into korean culture for like a couple of days and it was just


surreal right I mean I feel like I'm korean even though I don't look it right, I ate like such fresh food it's unbelievable in some countryside overlooking some river or whatever so it's really crazy as opposed to the tourism sort of things when I first got to Busan because I don't have a lot of time cause I've ya we are working right and I have to take leave and all this kind of thing so I think I only I only spent


uh and I give myself a challenge when I travel anywhere you won't believe it ah my states trip was one week ah inclusive of jet lag okay and I covered a lot of stuff in frisco like it was, ya I went to san fran lah it was nuts like I I there was no


I didn't leave time to for, like there was no stone unturned in that sense I'm actually as much as I could, of course I give room for leeway that's you know some days I just don't plan anything but I make sure I have at least an an itinerary with a program running on my own as a traveller there's a tourism aspect where I have to join like example I went to what's that place the prison alcatraz you know I was going on and on about it forever right


so I plan like I checked a thousand and one alcatraz trips and guess what I ended up buying the alcatraz and angel island ticket from the military you won't believe it cause the military if you ever go to frisco the military is the one who sells the best


tickets to to alcatraz and angel island combined because you know why you can't buy angel island outside of that booking you can't buy it commercially no commercial agents is going to sell you, so ya and and they're side by side so what do you do is you spend the whole day half and half on either place right


you can choose to creep yourself up in the first thing in the morning with this stupid prison or you can choose to go to island the angel island zen you know have a nice lunch and then creep yourself up and then go back or or you want to stay on in the night and creep yourself to death at uh if the prison is up to you as well so there's flexibility right


and I mean ya I, I found that to be really cool uh and and I find also a little bit of differentiations in different countries that I go like, uh you know if you use platforms like TripAdvisor if you use the commercial platforms like Viator and things like these depending on where you go in the world right they are very commercial to be honest uh I use Viator and TripAdvisor as a resource more than a booking engine unless


after surfing and checking like mad I finds uh that there's nothing what I'm seeking is really not available and, these guys have it then will I purchase it but otherwise you know uh I'm off to some local engine purchasing it over there or some local will get it for me and stuff like that


so this is my experience so I feel that the the combination of, being a traveller and a tourist sometimes works because, you know you got lazy days right and then you got jet lag and all that kind of stuff I mean you don't want to be the trundling around taking a tram and getting lost and walking uphill like crazy which happened when I was in frisco and I was cursing and swearing where where the heck am I you know like stuff like that so ya I think I think it works are we finished


let's talk about the first one, yes do you


okay so yes I have uh just my normal bank account uh which, has which I've been using since uh, uh sec sec three ya, ever since I was fifteen years old that's all that's the only account I've been using, so I don't have multiple account I only have one account


and ya, uh that's my only savings account, how about you oh oh


so you have one for spending, and one for, savings is that is that right, okay that's interesting oh I


ya I only have one and that's the only one I have been using all the while, uh it's it's slightly hard but


I think I don't spend much nowadays that uh now that I'm, just like staying at home this year because of the COVID and everything so it's, it has been quite uh okay but also another reason why I I've I've I've always wanted to have uh a savings account but the thing is you know in POSB there's this five hundred dollar limit


like minimum limit minimum or ya yes, so what happens is that I have to I have to maintain a minimum amount so that's the reason why I'm I'm quite reluctant to remove from my bank account and put it in somewhere else


that's my savings account, so you said that you, so you say that you uh you only got your ATM card when you were secondary school is it


thirteen, [orh] oh yes uh


so so so do you think like children should, ya I think children can have the ATM card as long as I think it's good to actually start young and for them to learn from very at a very young age what about you


yes I'm I I can hear you yes I can hear you can you hear me, ya continue I can hear okay ya understood


ya I think I think why I said they should start young so that when they get older they won't I think they would have already been exposed to spending habits so when they start young at least they can make some mistake and they can


they can learn from it so that when it comes to serious, serious buying and serious expenditure they would have more experience when they are when they start young as compared to when they start in their teenage years when actually we all know that teenage years are, one of the most more


we are very susceptible to uh to, those around us and we maybe we will be swayed by what our friends are thinking and everything so to start having uh uh spending power, when in that age would actually cost us to I feel


uh sway towards that that bad spending habits so I think if we start younger uh we can we are able to set the foundations right for the children so that they would actually be more towards savings and rather than spending so that uh


they will be able to control their spending power, that's that's why I felt that like children should start having uh ATM cards at a young age so at least they know that even if you have a ATM card that is not really for spending, it's just the avenue there for you to take out the money but


ah yes correct I


okay so as for me I think I would have a a joint account because that's how my I've seen my parents do it, so, I think I would that's how uh that's the kind of environment I've grown up in uh uh like as you know my mother is not uh


like working right like she's she's like she's at her home but still like they have one account together which my mother takes care of I think I've shared this with you before so ya like like that that's the environment that I've uh grown up on where it's a


more , every it's like the the the money is in the pool rather than in individual pockets so in that case I think it also it also , it also brings it accountability and so that everyone actually knows that you are not just accountable to yourself but also to those around you


so I think a joint account would be good but I I again I see what are the some of the shortcomings from this type of uh joint accounts where you may not have that much of freedom as as if you have your own personal


bank account if even if you are in a in a committed relationship,


you know I have no idea how it works but I think uh it would probably a fifty fifty split or uh ya I mean I think is a very rares rares uh scenario that, not rare but it's not something that you plan to for when you have a joint account so I think it's


ya so I think it's not something that, we have to worry about if it happens then is just like any other act of god it just happens uh so for savings account you said joint account right


uh so how about so where will you put it you want to put it in uh banks or or you want invest somewhere cause the cause one of it says that the bank interest rates are unattractive, so do you do you still feel that you still want to put in a bank or would you want to invest somewhere


yes alright


uh okay so for me I I feel that I might actually, to as in to agree with what you said I think I will actually put maybe half in just keep half for, of the savings in the bank account and maybe the other half I can uh invest in probably mutual funds or


uh some ETFs or anything like that so that at least uh it's growing but what for me my consideration is that, either one your, you don't want your money to go I mean, you don't want your savings to disappear right just because of bad investment board investment strategies so I think I will I will actually look for low risk and low low


low uh low growth, investment opportunities rather than high risk and high investment opportunities cause uh if, ya cause as much as there's uh it's very appealing to have a high high reward rate but I think if


if you lose right if you lose all the, like if you lose all the money that you have put inside investment uh it it might take awhile for you to recover from and it's I think it's unnecessary uh and it's out of greed so, I I think it's okay to invest but maybe not uh not like a gamble that's that's my thoughts so that's ya what's your thoughts on this


, ya yes correct uh okay so that's good uh how about


how about getting a loan I know now that you are we are starting school are you going to take a loan to for your tuition fees or


(hmm)


, as for me uh my my parents are paying that their uh tuition fees so I did not take the loan uh but but initially my father was paying through his CPF but now he's paying through just out just by normal but the reason why we uh why I did not take loan is because uh


it ya it's once again is about who's going to pay so if you take a loan, you are going to graduate with a debt and you're the one who's gonna pay the, the loan the the the amount, if you don't take a loan your parents are paying now then they are the one who's going to pay uh if


ya so it's all it's all about who's who wants to actually pay for your tuition fee so in my family it's a it's almost like a strict rule that like the parents must like they is they feel that it's their responsibility to pay and like


until until I get a degree I think it's it's a very I mean a lot of indian families tend to like the parents tend to take, ya


oh I think it's cause my father is paying for his uh the house loan and everything so there's a there's a limit for the amount of money you can take out at, uh per per, first few months or something ya so since we hit the limit we just decided to


just pay by cash and ya that's the reason so ya it was good talking about finance


negative experience, okay uh, latest negative experience I I really can't think of one because I feel like we have we been having cooped up at home for way too long for us to actually have any experience at all let alone the negative but maybe I can think about some that happened in the past


so, ya you know there are you know how there are certain countries where not certain countries but there are certain places where you go, that, that you have to settle for the the trip that experience in travel and tourism uh ya so maybe we can name uh


, okay so uh last year I think last year ya recently I went to, Batam, and my expectations were quite high cause I've heard a lot about people going to Batam and having fun but when I went there I didn't I didn't really like it like I feel like it was just


an island of there was really nothing there it was just like roads and people standing there and eating is like there's really nothing for you to see, uh so I didn't really like Batam but so after that I went to Bali right


I think Bali was more fun uh, which it was like more catered but I think compared to Bali, uh, Batam is really very boring, so that's one of the, negative product review so next time if you wanna go to Batam just skip


what's your thoughts yes


ya I went uh I went with my, oh ya ya okay so uh I went with my church right, uh, and like is not a is not a very party gang as well so maybe that's also maybe one reason it was all with old people


I was the youngest there, uh like there was not many people my age maybe that's one of the reasons where uh I didn't have much uh do not have people to click with but other than that I feel that the the place was just


there's really nothing it's just like you can go eat and the food is very subpar is uh is is not that great it's just, like it's uh it's the food that probably you will never want to eat, in in, singapore and then it's like you imagine you go to a shop where you once you eat already you feel like oh I'm never going back the shop but that's the best food that you can find in Batam then I was so pissed


uh yes so that is one oh !wow!


ya I think they put horse or something, horse meat ah I think it's horse meat ya so I think that's ya that's true


but I wonder if people who have who own like like probably a fish in their house they how do they eat fish, that's why


okay how about okay let's, ya ya ya


, ya !wow! (uh huh) oh !wow! oh !wow! oh oh


oh, or maybe you can do you remember that uh as for food and beverage remember that there's this Biryani stop near your house uh the one that you say your mother brought


uh the Biryani shop, near your house that you say your mother bought that day, yes, yes how how did you like it, [orh] so


yup so so


ya I mean I liked it that's that I why was quite, uh , amazed that you you said it was not nice I think it's because you have a very uh high expectations and sometimes and people give you when people hype it up for you, I think is is also like it results in a very negative


way of how you perceive it right it doesn't meet your expectations I was quite surprised when you were eating and you said you didn't like it, ya okay oh ah ya maybe


ya ya, okay right right right okay


yes uh okay so for, uh okay let's talk about clothes and shoes and stuff so like where do you where do you usually shop and is there some place that you stopped shopping because of how the, how the product has been I think for me uh


I stopped shopping at certain places because of, the quality of the shop like maybe you you say like , uh, let's think about, okay actually I can't think maybe Cotton On I used to buy a lot in Cotton On but nowadays I don't buy a lot because I feel like it's very mass produced so everytime you buy a a like a stuff you you go out you see ten other people wearing it so is you you don't feel so unique anymore


and also the colour will fade away very fast so I don't I don't usually buy in Cotton On anymore how about you, (uh huh) oh ya uh (uh huh) yes I yeah uh


no for me I don't think my for me I I'll never have a situation where my clothes tear, and, and cause I always wear very loose right you know right I like to wear very loose, items so uh , and it's it's not very tight but still


I think there has been a few, situations where we order shirts for school, and it comes out very substandard, uh the colours are very faded there's after a while the the what's the thing the thread will start to come out


so this this kind of stuff uh it has to do with supplier so maybe we will change supplier next time so that's what we'll do, it's because those are no brands what this at least like for giardono giardino uh and like Cotton On Uniqlo that are big brands at least you have uh something to look at but this kind of small small shop that you order shirts for class and everything there's no brand for you to look


at so is, is quite I think it's expected for them to produce a very, bad, very substandard uh clothes uh that's one thing uh how about, is is there is there any other bad experiences that you can think about which uh


which maybe


ya I think a lot of a lot of people do that they try to sell you stuff that, uh that they just want to sell and get commission but I think, I think


positive experiences, okay, okay so we tried uh what are your some of the positive experiences that you're faced in


, this consumer categories, are there anything that you like to share do you have anything that, at the top of your mind ah that's


that's interesting I think it's very rare to see people who, who are there just to, you know not to make money but rather that it's just to, , have a good experience ya, ya right right right uh that's good


as for me my positive experience I think it's I think there are very very small and uh, uh how to say uh how to say they are each each positive experience that I've I experience are not uh very significant I would say but is like small


is like this small experiences that compound to, probably a good uh uh uh overall positive experience in in consumer field uh maybe if I go to have a uh food and beverage place uh the person might be


might be actually very nice to me when when I order food or maybe they they, uh even if even if let's say the food is late they'll probably apologise and say uh, sorry boss I'll I just sorry bro I'll I'll bring it I'll bring it very fast like I'll bring it soon uh stuff like that and uh so it's it's times like this when you feel like it's okay even it's it like you won't mind even if the food is


even if the food arrives late you know what I mean so uh that's that's some of the positive experience as for maybe , travel and tourism is one one area where I think the positive experience is very focused upon where it it has to be positive in a it's not it's not a perk but rather an expectation I would feel so if you could if you are paying money to actually have a go travel to somewhere and


and spend your time there you actually expecting them to have, a, you are expecting them to be provide you are expecting them to provide you with a positive experience and be nice to you and, , and be hospitable to you so in that sense I think uh


if I think it's quite hard or difficult to actually not uh to have a negative experience when it goes to in terms of uh travel industry, so maybe I uh, I've I've not I've I feel like we have not travelled in a very long time so I can't remember any experience from that


do you do you remember any do you have any other experience that you can, share ya correct oh no yes I


as you know lah I just change to , iphone, I think uh it's it's been overall okay, but I think, using phone operating system and, computer operating system are two very different things for me


I think the switch from from android to apple has been quite good uh is is a lot more simpler is a lot more, uh neater I would say so ya so my phone experience has been quite very positive but the reason why I'm very reluctant to change over to


to an, apple OS is uh especially from mac OS is I think it's because of the functionalities of what how I use, uh my laptop so for my, for my computer usage is very I wouldn't say technical but the uses are very different from a a mac OS so I'm not more of a I think


mac OS is more for editing for creative purposes uh and probably uh to do very high end and niche niche stuff but I I don't do, I don't do that, for me is very simple I just uh, uh very lightweight laptop that I just bring to school and for me to do


more engineering related stuff, and for that I think like, my my computer is fine, and a lot of my, engineering seniors what they told me is that they found it difficult for for them to use mac for a lot of a lot of the


applications engineering applications so they won't they had to go down to school to use the, the, the school computers for them to actually use the softwares when even though they have a laptop so that are some of the that are some of the issues that


uh that, I foreseed and hence I just uh, uh stuck to, windows , ya so that is for phone usage and and other stuff oh ya


I think that's the issue with having a mac OS but, the ah so that's the that's one of the very positive uh experience that I have with, uh with microsoft is that it comes in a very big ecosystem a lot of, other uh a lot of other features are supported and there's a lot of good plugins for


for for microsoft and ya for this for this area so there's microsoft teams there's , uh, I mean ya there's a lot of other stuff right that that probably, we can't get in in mac OS


but I think uh the other word I but I think the reverse is also applicable where probably I cannot get, uh final cut pro but those using mac OS can enjoy that benefit, so there's there are also stuff like that


is ya is a is a video editing app similar to I movie but more niche so ya it's that's something you can probably look into now that you have your, mac so maybe can become a cinematographer ya


uh that's one uh so you have actually spoke about financial services is spoke we spoke about some consumer electronic gadgets uh how about clothes and,


for me uh I don't I don't I can't recall a time where we've done that because I feel generally everyone is nice so uh it doesn't really make much difference to me, so for me it's always been I'll go back because of, the food


even if the person is very nasty to me but it's always is the food is good then, I would probably just go and eat lah how about you, oh ya !wow! I've


oh that's that's really very good I've never experienced that to me I don't eat in the same stall two days in a row even if I even if the food is amazing it's just I just like to try different stuff every day even like so like what you said there's actually this


this indian shop below my house and, and like, this indian worker from india is he's the he's like the only one running the whole store and he's actually his food is actually quite good uh and like, uh everyone everyone buy from that so you know like near my house there is this small Kopi Kopitiam right and that there's there's one indian stall ya uh even though his food is good and like I have a good rapport with him like he's he just calls me like by when he sees me he'll like wave to me and all


but still I think I'm I think I'm not as as kind you I'm a bit more heartless than you, I would but ya for me is the food that has to be, uh it depends on what type of food that I want that for that day so if suddenly I feel like eating a noodle I'll just probably go I'll probably just still wave at him


cause, I will probably still wave at him but go buy at the other stall, ya so that's I think that I think there's , I think it's okay uh well ya I think I think is very good that she actually has a good rapport


oh that ah that's quite good I've ah ya


sometimes sometimes I eat there [ah] but not all the time yup that's for


finance so the savings account


ya, so do you have like any specific savings account or what did you use


for myself I got my first account when I was in primary school but I didn't have like a ATM card or anything I just had a savings account as a POSB kid saving


for my parents created it for me so all like my #ang pow# and like that will always go and deposit and keep in the account , then when I reached secondary school ya then I got my ATM card think when I'm thirteen or fourteen , but still it was controlled lah like always my parents will keep the card they only let me use it like when I need it lah or I ask them


then, uh once I went to army then I got my debit card, where I can use for online transaction and like that and I also I wanted to create another account with initially was all with POSB ah after that I created another account with uh OCBC uh that's my like personal account for my savings


so sometime like I work part time I want to some keep some savings I just keep it there so it's easier for me to like uh, how to say ah easier for me to manage so like my POSB accounts is like err amount I can use my OCBC is like the amount that I want to save so I won't touch it lah unless emergency


so ya I don't have, , ya, that's how is I mean I feel is quite convenient lah in that sense so I don't have to like I know I I would never use my OCBC lah unless it's uh emergency I always only carry my POSB card my OCBC card is usually at home so I don't use it


ya for yourself you only got one bank is it, so then how do you track like your expenses and all like isn't it bit hard


ah


ya afford to maintain right


oh okay ya, ya I got my if I'm not if I'm correct I think I got it at thirteen years old


like cause I mean I was just very uh I really wanted the card lah, so it's like I can draw money and stuff like my own like without asking my parents cause before that I didn't have a card it was just passbook so it's always not money is always money going in only we never withdraw before because I mean it's a bit harder if you got passbook and want to withdraw lah have to go to the bank directly


so ya I but even after I got the card my parents didn't really let me uh use it anyhow lah until I I went to JC that's when they like let go the card then, I think maybe they felt that I was uh the not mature enough


ya speaking of that when do you think, children will should have the ATM card


for myself I feel savings account yes I think young they should have, but for the ATM card right I think honestly I feel thirteen is a bit too young lah I got it when I was thirteen lah but


I feel thirteen is maybe a bit too young I think you'll have a lot of uh , unnecessary times you use it and stuff like that you won't really think that much I feel like maybe sixteen years old once you graduate from your secondary school, I think that's a good time to have a


ya hello


ya I can hear you I can hear you so ya I feel like sixteen is a bit too I mean sixteen is fine thirteen I got it when I was thirteen so I feel thirteen might be a bit too young lah savings account yes I think from young they should parents and everyone should promote saving and I forgot like for myself already I got it when I was in I think P one or P two we open a


a kid's account and just carry on with it all the way, uh but getting the ATM card I think at least about sixteen lah like I feel like they should, get about sixteen cause they I feel about that age they know how to like what to spend on and expenses and stuff like that ya but I mean but I see kids nowadays I think that fourteen fifteen years old I see they already have ATM cards ah


ya make sense as well but uh I feel ya okay maybe he won't give them the card and all is fine but I think parents still should monitor like how they


spend their money and stuff like that because I feel that the young age, I mean different people are different lah so like some might really spend properly some like might anyhow anyhow just draw money and I don't know buy stuff so ya think maybe if they want to give at young age like what you said makes sense ah like teach them like saving for future and stuff like that


but they should manage speaking of saving so would you next time when you once you're married and all would you open a joint account with your wife or your will you all save separately, ya


(ppc)


for myself honestly I am more tempted to actually I have a joint account, in a sense that uh like, like I feel once I mean once you're married and stuff like that I think each other should know like what your finances and stuff like that and I mean because you all are one family end of the day both of you are saving for your both your future and retirement and stuff like that so I think I will go with joint account lah like uh


I believe that uh first of all like the the amount will be greater and stuff like that so the rate also will be better and stuff like that for savings, and I feel in that sense you'll be more like what they say like you won't have as much freedom to spend the money but I think that's a good thing in a sense that you if too much freedom I feel like is a bit bad thing is a bad thing as well cause you know you don't have to answer anybody you will just anyhow not say anyhow lah but you'll be more uh


there's more uh tenability for you to (ppc) withdraw money (ppc) or use the savings but as a joint account you know like you have to answer your spouse and stuff like that so maybe ya I feel like you will be more you won't really, uh, won't be as easy for you lah to take out the money and spend and all but I feel like the I mean this this is not this I'm not sure about this ah but I'm not uh when they get divorced if anything happen lah touch wood


I don't know how it works actually I don't know how they split the savings and stuff like that do you have any idea about that, ya


ya I mean everybody ya no one plan for it lah that's the thing


I feel like I think okay I want do both I won't just keep everything in the bank at the same time I won't invest everything also cause end of the day as a investment I think there's lesser security like everyday you put in the bank cause it's safer and stuff like that , but I mean like I feel like our generation now everybody is like into investment and stuff like that and my own friends and all ya so ya definitely I will invest I will like try to learn more about it and try to invest at even if at least not my own some like I don't know insurance company or what because they have all these plans available


but I will I feel like I will proportionate my savings so part of it I would uh put it in uh my savings account and the remaining then I will like try to play with it try to invest and maybe buy stocks or do some whatever I


, confident with ah what about you


ya ya


myself when comes to investment right actually I if, okay I feel like end of the day all investment are risk, but there are there's some where you take a lower risk low profit low risk low profit, high risk means higher profit


I feel that, uh I won't always just stick to lower risk definitely I, prefer it cause you test the comfort zone for everyone, cause you don't want to like end up losing all your investment and stuff like that, but I feel once in a while I'll try to you do the like a high risk one like just uh I mean cause end of the day every risk for high reward lah so I feel like not ah I won't always stick with the low risk but definitely may I maybe I don't know if I'm investing like


maybe eighty percent or eighty percent of time stick to lowest risk ones maybe, twenty percent of the times I try to, uh take the high risk ones but I will definitely not put everything in the high risk one ah that's like a I don't know doesn't make sense lah ya


ya I was having a conversation with my mum like the other day itself like about uh I mean we can afford to pay the school fees but at the same time if we take loan is a bit like more uh comfortable on our side so we were talking and we were comparing the interest rates and stuff like that uh so


actually there's a difference if you take loan with a private university and uh uh I feel lah and a local university cause I feel like they are banks, giving zero interest rate for local use but for private use is a bit more like there's interest involved lah


so I feel like even you know even through local universities you know you can pay through your parents' CPF a percentage, if they have enough in it and stuff like that ya but what my friends encourage me to do they told me that uh if I can afford to pay with like from own pocket just pay first don't like use the CPF or take loan cause end of the day they say that if I take out from CPF right


I once I start working I have to pay them back through CPF and stuff like that and it might uh slow down their growth of their money inside and stuff like that and loan wise, if is zero percent interest then I think is fine lah but if you need to come up with a interest


I think don't need to waste the money lah if you all can afford just pay first then end of the day I want to pay back my parents also lah like whatever I take from them but that one at least I can pay back my own pace and stuff like that, and I don't lose the interest to anyone like a third person lah that's my take on it lah like so I feel like if you can afford go for it but definitely sometime people don't want to uh take tuition loan and stuff like that cause is more comfortable on their side lah they don't have to


uh struggle that much like for honestly for myself is because I don't take, I not I decided not take tuition loan right have to be more stricter on my savings and I really have to track it lah, how about you


, ya I mean myself itself like sorry but my mother herself I means she wants to pay for the degree and stuff like that it's just that eventually like it's my own thing lah I just feel like I should pay her back and stuff like that but you were saying that you've you stopped paying through the CPF right but why you decided to do that


oh oh make sense


ya I mean I think ya think that was good idea


negative experience, so <P2>nish</P2> what's your latest negative experience that happen to you


I mean I never been to Batam before lah but you are the first person to tell that I didn't enjoy Batam ah I never hear before (ppc) everybody like I mean but the thing is cause , all this they all go like go party that kind of thing lah I mean you but I know you what you look out in travel is you like to uh for scenery for more experience wise right so ya I think I understand why you didn't really like it lah but do you have like anything specific that you didn't really like about #Batam#


[orh]


, when you say this I remember like, that time when I went vietnam in JC, like I mean I mean ya that's the first and last time I went lah like in to vietnam right so before that I didn't know anything about uh them eating dogs


so, we were literally at just that this like the first day itself we got off from the bus we check in everything already right then we took the bus like is uh I mean is all catered buses lah so we went to a restaurant eat


like literally ah like on the bus right I just turn to my right and look ah it was like, they hang like chicken like that you know they hang the dog they hang the dog like chicken that's the first time in my life I see that with I never knew lah I never knew that anybody like like they got eat dog and stuff like that lah so I see that ah I was like shock ah after that where got appetite to eat one (ppc) you see that that


that got one dog down there hanging some more we literally like went to like a like, I was this I was I was on the bus lah when I saw this so the bus was stopping lah so literally we like eat nearby that place, it's not like I saw like on the way or what so the place literally I eating is like near the place don't know what they put inside the thing also like I also got read in news before that like in india right they make the Biryani right so instead of putting mutton they put err you you I think you know about this right you got read right


they put uh what they put ah, I forget what they put but they put some other thing ya, so like if you have this kind of thing you also scared to eat or not , correct right ya so ya lah I mean


I think that is the only like food bad experience I had lah like I mean the place I eat was fine lah it's just that you know like you see the dog first time so take a bit of time to how to say absorb the information lah like you never you know I my house got dog what so


especially when you have it as a pet right and you see this kind of thing you like confirm like shocked so ya lah, I mean I won't say I won't go back to vietnam because of that lah but, I, it's definitely one of reason lah like if I don't want if I ever like don't want to go back it's because of that lah


ya, ah, I mean okay my house like last not now lah like when I was in primary school lor we used to have a fish tank lah but that one different lah like in a sense that that one goldfish you never eat the goldfish what you eat like some other fish what


I never I mean I don't know lah I only got see in movie got one movie tamil movie the fella take the fish from the fish tank and ate lah other than that I don't know any personal, people who got do that lah like last time my mother used to buy it was a bit, like must keep clean and stuff like that lah so in the end we never uh carry on but last time used to have


but we eat fish lah at home but we don't eat the goldfish lah it's not the same man , but I wonder like what you say now suddenly you say right wonder right if anybody have dog as a pet cause I mean dog end of the day is a pet also right and also eat dog that's I think that's a valid question like any vietnamese or what who have there right they own a dog and they also eat dog


like you know india they they grow the chicken first then they eat, themself something like that ya, another bad experience ah okay recently lah this one (ppc) this one bus lah okay you know I go to work right then when I was on the uh


like I was literally I sitting in the bus stop usually I don't sit lah in the bus stop cause always go the bus like five minutes then faster so I'll just use the phone a while and stuff like that so did I think this one happen like two weeks back only so I was this one bus very long what thirteen minute like that


then got people at the bus stop also so I just go down I sit down the bus stop the bus ah literally ah went pass me ah like in a sense that the fella never bother to stop , he like, it's not if the bus stop like empty then he thought okay lah no need to stop I understand lah the but stop is full leh but I mean they know but nobody from the bus stop was waiting for the bus lah but the bus stop is full so I feel like


and I was like I think more like blind spot for him I guess but I never wave yet lah I didn't even know the bus was coming what the bus but I feel like they when they see the bus stop I know I got experience this before like the bus never stop and go but usually that one happens in like the bus stop empty so I sitting down using the phone right then I never see then the bus just go the bus stop nobody one but I also got like because


I got meet bus drivers but they will horn lah like to see whether you want or not if they don't want to stop so at least you know right then you will go up but this fella never even do anything he never even bother to slow down the bus, so what happen was he was going through right then I suddenly saw the bus I faster stand up I go so I think he was looking at the bus stop lah to see uh if anybody want to board the bus or not then so he but he never even come to the bus lane leh he was in another lane


then he going then he saw me you know he saw me you know the thing is I lock eye contact with him I lock eye contact with him he want to slow down but got another bus behind ah coming he cannot cut lah like that then his he I can hear the sound of the bus like the he try to slow down then he press accelerator again then he just shoot


and some more that day like I going to be late like a bit lah so like I mean I wake up okay like usually you know I like to go to places on time right I don't like to go early early one so, that time like I keep going work like five ten minutes late lah so that day I decided to like wake up early to go lah like a bit more earlier just to relax #zhun zhun# that day this thing happen end up I late again


, so ya lah that's the bus lah, and I also got this I mean this one is primary school lah lah but I never see her already got this I know got this lady always never stop bus one cause you know always from a primary school I take bus home what


like the same lady one I mean I never like talk to her about this obviously lah I primary school what but I know until today I still remember her face but I never see her already got this lady, she uh she always always never stop one in the bus stop like must literally must there wave one if not she won't stop one ya but now never see her I still got take the same bus lah but I never see her already


ya that's why lah I mean, that's the bus one I have lah so suddenly when you say your traveling right thought about the bus one, cause I got see like like bus driver like they really will at least ah minimum will horn ah horn ah and still got see this one ah they I don't know ah I don't know they rushing back home I think


, what stop sorry


[orh] the one we ate right that I mean (ppc) I think, we both eat together right, ya, okay lah I mean (ppc) in a sense that my mother already like hype it hyped it up a lot already right so when I go to the when bought right when bought back and eat at our house what I mean my house


because since you hype already right and you eat, I mean it didn't meet the expectations lah for me it was quite bad lah that one like cause she really say until my some more it's not say mother how to say she never it's not say she never try she never said her friend say she my mother it's herself eat already and she say very very nice she say one of the best


then obviously like you say this kind of thing when you go eat at least expect to be I got eat better Biryani before so that's why like straight away I eat the thing I like what the hell is that , ya I mean did you enjoy


I mean, I mean I makes sense lah in a sense that I mean I won't say the Biryani is bad lah okay honest lah but definitely I won't like buy since the expectation was already like very high right that's why when it turn out like that I think very like disappointment ah straight away like you hate the Biryani I didn't even finish it like really expect so much ya


that's why that was, ya I mean that I but apparently my mum said that, uh after that right she got eat again before lah she say that one the shop got uh happy day sad day one like sometime will sometime nice sometime not nice one


so ya lah so I don't know maybe that day we buy I don't think was the best day lah after that I got eat before another time was better lah but still not like say my my mother say until like the best like that not until like that lah but I got eat another time like alone lah, was a bit better some more you know the fact that you know the shop they say only can uh cannot dine in only can take away so like I don't know I find this kind of shop like a bit should be uh I mean sorry should be very


good luck uh, uh in ya when I mean this, shop ya


oh


for myself ah actually have lah okay first of all Cotton On also same but I never stop buying there because of like is mass produced and stuff like that lah like I got few I stop buying there because of the shop in a sense that the shop is very small you know the one in Northpoint right is very narrow very hard to shop


so not a good experience like I got go to like you know Woodlands one all like quite big lah so Woodlands one I still got buy but I stop buying at Yishun'S Cotton On like Northpoint one cause it's very uh very like very narrow lah so if got like got five six people like crowded already the whole shop, so very hard to walk must keep like squeeze squeeze squeeze go so I don't buy from Yishun Cotton On at all because


very hard to unless like really emergency lah want like a plain black T shirt or what then I go and buy lah if not I really buy one in a sense that very hard to shop is that I rather go to Uniqlo lah you know the Uniqlo there very big what, ya, but Giordano recently I mean not recently I don't know why lah but uh I bought last year Deepavali I bought this pants and I wear the pant to work okay so


suddenly the pants right got hole below I mean after I wear lah like for but very short like two months I wear got hole then I start to like is like is like those jogger jogger that kind so uh and it's a bit expensive is like one pants like I think like forty plus dollar fifty dollar


so we expect the quality good right I mean you got my jeans all from there okay lah so but when I so the pant first time this this thing happen after that I continue wearing lah I sew back I wear sew back I wear until become really quite quite Rabak


then we uh, uh then my mother bought the the same exact pants again lah, I thought maybe got some problem with me lah maybe I don't know I go somewhere and stretch or what lah but it's a stretchable pant so I don't know how it tore lah okay never mind then ah she buy again ah she she give me right I think this one maybe last four months five months tear again exact same spot


same spot the the I mean the uh bottom of the pants ah tear again and I sew back wear last like maybe one two months tear again, then my mother wanted to buy again lah cause I wear that to work what once in a while when I go to work I wear that so my mum what I mean for myself I okay to like sew back and wear and go lah but my mother hate it lah


she say don't look nice so then she she want to go buy again then I tell her don't buy already the same pants cause I I mean I I don't have any problems with Giordano lah but these two this this product I guess cause two time tear already what and both pant tear same place I don't know honestly I don't know whether got problem with me or not lah


it's very I don't know what but so I told my mother okay nevermind this time we try from another shop so I just buy lah this one uh Uniqlo different material but same idea lah the pants so if this one last longer then definitely I'm gonna stick with Uniqlo lah I won't buy the Giordano pants but


like the the reason I decided to shift cause two time I buy both time tear some more I and it never last me like a good six months eh that's like less than that like one first one lasted like two two and a half three months second one is about five months so like I thought okay never mind that's why I change to Uniqlo now but this one new lah so I don't know


if tear again then it's my fault lah is not the company fault cause I change company already is still tear means my fault already lah so that one we'll find out, you yourself you got ever like experience this kind not, ya


uh, bad experience with


I mean last time lah got people financial insurance they got call lah nowadays but that one is like many years ago you know after the got the I think the PDPA policy came out lah cannot uh but I mean I never register ah but got lesser calls already lah but I mean you know me lah like people call I won't straight away cut lah I will entertain them for like one two minutes before I


so okay lah is those ah that got have lah once in a while would have like you talk already right you tell them, like uh tell them nicely like eh uh it's okay man I not interested right then they continue to say uh no but uh you want to you just experience the product and stuff like that lah


like you already say not interested already what (ppc) so have lah I mean you got receive right also this kind of calls


I feel like sorry but I feel like first time they call okay in a sense that don't know mah but after you tell them you not interested already right actually they just they should just record down and just like never call you back again like I think first time is okay lah normal lah like they want to just test market lah


cause that's how they get customers what if I not how they gonna get but after the first time I feel like they like they should mark okay who got wants who interested who not interested then after just never call you back cause I got repeatedly get calls from like not the same person but the same companies have so if maybe if they have uh like a proper system with that I think would be okay already lah


(ppc) positive experience


, I mean actually a lot of here I mean it's like a day to day thing lah, so positive okay talk about financial insurance services


(ppc), recently I think about uh, a month back I receive a call (ppc) from a insurance agent lah so as you know I'm a student right now lah so I don't have any personal insurance and stuff like that is all my mother my mum handles everything lah so about one month back they called me uh regarding insurance and stuff like that


so now I know a lot of my like slowly all my friends like uh are into more like investment and buying their own personal insurance like you also know right like we have all mutual friends, so I was like (ppc) I was telling like he was talking to me so I was free lah I was at home only so when he was talking to me I just was carry on talking to him


like then after that I tell him lah I say bro I really I student ah now I can tell you now I really not going to buy now, then uh but I just interested lah to hear cause uh eventually I am looking at like getting one lah but that will take another like two to three years when I graduate and start like working


then he told me this thing he told me bro for every if I only talk to people because they buy ah if I mean if everyone I talk to buy ah I already millionaire already he told me this so like, like like he was very frank lah he say I know I it doesn't at the end of the day my job he tell me like that is to tell you have to if not everybody I gonna meet is going to buy and stuff like that


he tell me like that I mean I like the way he approached this lah like you know I see a lot of people got call before what, but they usually no time to talk like uh how to say like uh the professional way and stuff like that, so this fellow like felt like like my like uh like a friend next door like that lah like talking to a friend about this


so I tell you now okay then I if you don't mind then I say you can come down and like meet and stuff like that so he came down he came to my house uh then we met, I mean we just had a discussion about like uh investment plans insurance and stuff like that but he was like a very like a more like a brotherly figure lah just talking to me very


uh uh how to say like cause the whole thing already ah he already knows that I not gonna buy for him so we were just sharing our like what he knows about it and like whatever question I have when he told me so is more like it was it was more like a sharing session than he trying to sell me and stuff like that


so I like the way he approached me lah so I mean the first thing that attracted me was on the phone when he told me when I told him bro actually I tell you ah I listening all this but I not gonna buy eh just tell me that bro if everybody buy from me I'm millionaire already so I like [orh] okay lah you also know then okay lah then if you don't mind then I don't mind lah


how about you ya, I mean I feel end of the day like he hopes that obviously like after two or three years back right I will come back to him and buy lah I mean that should be his angle I feel lah


but, like not once he was just like you know uh come back to me he never once say come back to me ah he just give me my number he say if you need anything just call me tell me like that he was never like pestering me or he like never keep saying like emphasising eh next time come to me and stuff like that he was like very casual about it that's why I liked it lah a lot


ya


like like I I agree what you say lah in the sense that when you likes travelling itself right like is like is like mandatory for it to be a good experience lah can't have like a bad experience, I mean if you have a bad experience means that's it already lah not going to enjoy your time


like for myself another good experience I recently had can talk about consumer electronics, I recently bought a mac you know right ya for my school and all so ya honestly I was contemplating lah because okay my whole life I haven't use I never I mean I use iphone but I never use mac before like mac OS


so I always use windows PC or windows laptop only (ppc) so I, I technically I don't know anything about like uh macbook lah like how to use and stuff like that I got see my friends use lah once in awhile I got try to just play around a bit but I think my the amount of hours I've spent ah in mac itself ah like throughout my whole life ah I think maybe like


five six hours only like just trying out so it's very less I don't have any knowledge so I was really keep contemplating whether to buy windows or mac , uh like why was I contemplating is cause okay I'm more comfortable with windows but uh even though I'm more comfortable with windows I've been using windows all the way also lah


but I feel like I don't know ah everybody using mac mah so I want to know what the like why everybody want to use mac and stuff like that so I want to try it out for myself use it so this was my idea lah like I wanted to just try first use it, I mean throughout my whole university lah


so at least through this process I can for my own self I can say lah like whether which one I prefer, then obviously I'll stick to that one lah like cause I prefer that one what so like a lot of my friends discouraged me from buying mac in a sense that they still cannot do this cannot do that uh then what uh is a technically is a bit more pricey also lah mac


but uh the price wise ya lah I think it's a bit more pricey but I feel like, the like the performance itself is good and stuff like that I read reviews and stuff like that so like you know I'm doing like computer science right so I'm doing some coding and stuff like that then they also say like like mac OS got something you know linux linux OX right OS


got something to do with like the way you code uh mac OS and linux like a bit uh similar lah and stuff like that so eventually I decided to buy mac lah finally I got the twenty twenty macbook air released


so I mean uh I have it for a month already is good lah so far I like it in a sense that is new for me everything so everything I slowly learning like something I really don't know how to do so I go google I watch video something uh like suddenly something like recently the time uh I had


to like what you call that uh, like even now I didn't know how to, connect my airpods to the mac , I had to find a way I go google ya that's why I was using earpiece just now cause I didn't know then now I learn lah like now I know how to do that then like the day like on I didn't know how to close like like I know how to close lah like I couldn't edit something or something like that lah few days back so all slowly I google like I find out lah how to do and stuff like that


I still new lah but so far is okay, like I I like lah in a sense that but I know you you using windows right and I don't I don't know whether you hate apple lah , but I know recently you change to apple lah


[orh]


for like myself okay lah cause uh I okay cause you know last time I used to use at first like right I mean this was like seven eight years ago lah I used android then I shift to iphone I like iphone then android phone came out and I I like android phones so I tried to use the android phone


but then when I start using android phone I couldn't wait to go back to apple, like iphone, then ever since I've been using iphone lah cause I prefer that way, so same thing with you I only got we use windows PC all the way so I don't know like I got see people use so now I'm trying mac lah so


I mean if everything is fine then definitely I'm gonna stick with mac lah but if I end of the day I'm going to prefer windows then eventually I will shift back to mac lah I mean sorry sorry shift back to windows so let's see how it goes lah but, like what you say I agree lah like some case recently you know <P2>dylan</P2> right he also started computer science right so he haven't gotten a laptop yet but he's just he's just he's using his old one


so they had to do he was telling me lah like the other day that he had to uh, uh his one of his mods have to program a app and stuff like that so they have to microsoft project but apparently you can't use microsoft project in mac that's what the professor told him lah so he say those who have a mac uh they have to like hop onto some other like their groupmates lah it's a group project lah


so when when he told me for that like I was like shit I mean but I don't have that mod lah but I scared that I don't know this happens to me, ya, but I'm


ya, it's a very popular photo editing app right the final cut pro, is it [orh] [orh] ya


, so okay like okay I mean it's just a random question lah like


you know I I mean I cause I saw food and beverage down there like have you ever like go back to a same shop right not because the food is good but the service is good


[orh], like uh cause


for myself I have lah like I know I got do this before like I I mean obviously the food is not bad lah if the food is bad why would I go back right the food is okay lah but I, I went back to the same shop again like not once lah I keep going back to the same shop cause the auntie is just very nice lah at to me like the way she talk and stuff like that I just like lah so like in I mean it's a it's a shop in a coffee shop near my house lah so just because I mean there's a lot of other foods in the coffee shop lah and I can


honestly tell you it's not she doesn't have the best food lah but I don't know I just find her is is a chinese auntie lah then she's just very nice to me she's always like keep call me handsome uh what you want that kind of thing then she always give me like extra like a bit of like stuff like that


so I don't know like I know honestly I can't even remember why like she is from the start we close lah I mean it's been long lah maybe like one two years but, I I just don't know lah I just feel the connection lah so every time like when I this kind of like I would go to coffee shop right honestly I can't remember a time where I bought from another shop I always when I go to that coffee shop I buy from her only cause I don't know lah like I just like the way I


I never think like I want to support her that's why I go buy from her is not like that but it's just that, I uh just feel feel like going back to her lah like just buy from her shop just to and I also feel bad lah if I go by other shop she's so nice to me then eventually she see me eating from other shop


but no lah always go back just like to uh say hi then I'll buy from there I know lah so, I got do this before lah so I thought is a normal thing like you go to the coffee shop right just because you like you know like the auntie then just keep buy from her


like even in secondary school you know we were from same secondary school right I always buy from the the vegetarian shop I'm not vergeterian know but I keep buying from the vegetarian shop which we know cause the auntie there is very nice ya I don't know lah so from young I have been doing this lah so when suddenly I saw the food and beverage


and positive experience ya lah I just because the service is good right so I always go back one and stuff like even if I go mac right and I see like like I mean regularly visit mac then you know you know a few staff working there right like I would if I want to queue and order if I don't use the kiosk lah I want to queue an order I'll queue the counter that that she's like handling the register ah


ya ,


, [orh]


I feel bad lah to do that you go say hi already okay auntie I go buy from that stall ah , I mean it's okay lah ya, like like another one uh you know like at always got this shop at Woodlands like we eat also ah uh like it's a western shop lah okay but the uncle like every time come and talk to us cause we were young boys then I mean this was like five six years ago lah young boys like me <P2>joel</P2> you know we use to hang around there right


then always come and talk to us so that time like I'll I'll buy from his shop lah then when they all buy from like another shop right I mean the uncle won't say anything lah but he will disturb lah !wah! now come here say hi then never buy from me ah that kind of thing, so ya I mean ya but I mean he's just joking lah


why ah that one also happen ya actually got a few places actually like when I talk about it then I realise there's a few places that actually I just keep go back to the same shop just because just because I have like, a good rapport with like uh them lah, so ya I just curious lah to see whether you have or not but ya ya like the you know the you know coffee shop the indian the shop right I got eat there also like few time when I go to the coffee shop I mean I never talk to him before lah but like the food there is good lah the indian shop


[orh] alright


part one finance, so, it's nice to see you again when it's nice to see again


so uh basically we had said it this is part one finance so uh I think we can just uh start this topic by talking about uh our own personal finance so uh if I can start first uh


I believe all singaporeans we start off with a POSB account , and this for your POSB account uh it's actually being created uh by our parents, and it's it's our basic it's basically our first bank account uh which is supposed to help us inculcate the the habit of savings is it the same for you <P2>sophian</P2> uh is your first ya is your first savings account a POSB account as well


(mmhmm) (mmhmm)


yup I would say thirty years on I still have the same uh POSB savings account, it is something that's tied to you like your NRIC number for singaporean I think, yup but apart from that now that we've move on into adult life uh I believe we do explore other options because uh instead of


one maybe an adult would prefer to have multiple savings account uh for different reasons so can I check with you for yourself do you only have like I the only POSB account that you have had since a child or do you have like other savings account


(mmhmm)


yup, actually that is that is the same for me uh, I think the reason I actually went for another savings account is because of what the bank was was able to offer to offer to me


so for instance now that we are working adult uh uh we have banks that actually offer very uh attractive interest rates for instance if let's say you were to to put your salary into that particular account they'll give you a higher interest rate


so it's very attractive I would say as compared to the conventional POSB account for every singaporean which is the yup which is the POSB savings account, this particular bank uh that I was talking about is actually the OCBC three sixty account


so I like the fact that uh this particular product it it actually allows you to to earn a good interest over time, I see frank account alright


it's actually one of the reasons uh for me to consider another bank instead of the normal POSB bank correct uh because you see uh queues over at the ATM machines in UOB OCBC for instance is much shorter than POSB


so uh the waiting time is also part of service itself so I believe consumers we look for other options ya


right so basically I would say uh these savings account is actually a good practice for us singaporeans to inculcate uh this good habit of savings would you agree, (mmhmm)


actually I would I would say so because if uh you are someone who saves a lot and you don't touch your savings in the bank account I believe uh the money will grow over time if you choose a particular savings account that offers you


very attractive interest rates yup uh so sorry please go ahead, (mmhmm)


I see I see, eh definitely you can consider man, alright so <P2>sophian</P2> uh now that we've spoken about savings account another some another product that is very uh common to ask singaporeans is the use of a credit card or debit card


so uh same thing I'm going to check with you do you or have you ever used a credit card or debit card before


uh I used to actually, but then uh I stopped the use of it, so ya previously I was using the uh same POSB altitude card, uh which help they actually help uh which actually helps me to earn miles and also the the everyday card as well


that that particular offers you a more of a cashback uh cashback reward system, so, uh and for yourself, were you using the same cards as me, I see I see I see definitely


I agree, (mmhmm), uh for myself I agree with you totally uh with the with regards to the perks of having a credit card uh any add on I like the fact that it offers uh consumers the flexibility


flexibility of being able to to make their purchases first without having the cash in hand, and to make the payment later, but definitely when you have a such an advantage you shouldn't be taking advantage of it by misusing the credit card


because as we know for credit cards we are able to set the credit limit, right (mmhmm)


definitely definitely actually I have experienced that before honestly so sometimes you think that you will be able to uh to make the kind of payment that you thought you could, but uh ended actually make you want to overspend so you actually overspend and sometimes uh because of that uh you're not able to make the full payment and that itself will uh incur interest


so as I was saying ah ya you learn it the hard way the good thing about credit card use I believe is that uh it teaches you if you have not been responsible enough as a uh as a student or before you an adult, having a credit card and if let's say you were to misuse it you will learn uh


the hard truth about being responsible with your own finance, right (mmhmm)


definitely, so <P2>sophian</P2> as we know credit card uh there are different kinds of credit card it can be a cashback card it can be a miles card and it can also be a points card uh a card that actually reward you points for your purchases so for yourself uh do you have any particular preference on the choice of card or


what do you think, , I see


(mmhmm)


understand uh for myself, actually you are right because of this COVID situation I don't think it will be ideal to have a miles card, but then again uh the reason why I, I went for miles card previously is because of the fact that uh it offers you access to transit lounges when you travel


right so I mean uh if you are a person earning uh an average income the lounges over at this transit areas in airports is something that you will not be able to enjoy


so uh by signing up for such a card and having access to uh these kind of lounges it definitely makes your travelling experience a lot more wonderful, right


yes right it's it's nice to experience, (mmhmm), true true I agree with you but uh based on the question uh as for the question you asking me earlier I definitely agree with you a cashback card is uh always attractive for any consumer because uh it allows you to actually uh earn back the kind of money that you actually spend on your purchases


right uh how about uh points card <P2>sophian</P2> like you were saying just now if they're tie ups with companies uh it will then uh entice consumers to sign up with the particular bank but what if let's say uh they do not have a tie ups with the kind of companies that you are looking for


will you still sign up with them, right yup


ya ya right, (mmhmm), true true so it it does help us in paying our bills as well ya


definitely, so <P2>sophian</P2> uh, in this uh current times with the uncertainty of uh earning income do you still think that uh it's good for us to have a credit card or do you think it's otherwise


oh I see I see (mmhmm) definitely


ya I agree with you man, alright so <P2>sophian</P2> err, now that we've spoken about uh savings and also credit I think uh we should be the focus should be on savings because for instance now we are in our thirties and if let's say eventually years on we do have kids


uh would you like them to maybe have a savings account you know as early as us


how about an ATM card when, right so for myself I got my first ATM card maybe at tertiary level maybe seventeen or eighteen years old how about yourself


eh ya I think that's the normal time for us to have our ATM cards ya


definitely I agree with you with all the clothings that we've got to buy and the the travelling, cost and all that because usually for tertiarys uh our schools are much further away than our secondary schools ya, definitely


yup


I agree with you I agree with you I can I can certainly feel you man we've all been there we've all been there before right, so uh, if you become a parent next time do you still think that uh the age of seventeen eighteen is a good time for you to start giving an ATM card to your kids


(mmhmm), alright


true I do agree because uh for myself I think if you were to own a an ATM card in secondary school, uh there, there isn't any purpose for it because the kind of money that we spend in school uh from the age of let's say thirteen till after seventeen it's it's not much actually


and usually uh the co-curricular activities it takes up quite some time and by the time is it's evening and we already have to head home ya, so there isn't a need for them to I think uh just pocket money alone will suffice instead of having an ATM card with them


true


eh same same I feel the same way, so <P2>sophian</P2> uh I would just wanna say that we can both agree that uh we'll just give our kids an ATM card when they are in tertiary level ya, yup, so uh moving on <P2>sophian</P2> now that again we are in our thirties and definitely we're looking about uh we're looking to start a family and sometime soon so on the topic of actually having a joint account together with your partner are you into that idea


yes, (mmhmm) right


personally for me I think that uh it is not necessary to have a joint account but I understand uh where you're coming from it is always good to be able to monitor each other's uh savings habit


uh to ensure that you have the required X amount of savings uh over some time but then again I believe that uh as responsible adults if uh you are able to have your respecting save uh your respective savings in your own savings account that is good enough for me


so uh, it's twenty minutes and fifty two seconds


part three negative experiences, , so <P2>sophian</P2> uh earlier on we had spoken about positive experiences pertaining to services or products we've experienced with