so they use that to clear uh another loan of theirs if they have another in another bank ya so a lot of I have I have friends who have done it ya I have friends who do it, they take it for six months so that they don't have to pay the interest they clear off the the other one which borne incurring interest they clear that off and then in in another six months they will take another one to clear up the one they have taken before


just to save on the interest now they used to do that, , bonus so they will clear I think that's when they clear the uh, so how about you I mean do you for you like for you you need to apply a I mean you have a house and then uh how did you get the loan from HDB right or the bank


uh what about uh fixed deposit another thing because fixed deposit I think the interest is very very ridiculous


uh like per annum, per annum is one point something or two I'm like !huh!, you put in five thousand you what do you get nothing, I mean you have to wait for twelve months to get one point something you break it into twelve months how many percent a month do you get zero point something


ya I mean you have to get something like high risk to earn more and also at the same time you might lose it also you are like lose it more,


yeah like you said lah it boils down to discipline


negative experience, now I leave it I start with you because woman have a lot of things to say, so tell me, ,


(uh huh) I guess we lost her, Vickdesh, Vickdesh we lost you in between we lost you in between


now I can hear you so tell me ya what is your nag that you're saying


traffic


is it is it is it is it an indian restaurant, [orh] alright understood


like for me for instance the uh for me there's one time we went to this uh this Mamak restaurant somewhere near river valley, the best thing is uh we ordered food and drinks


the food came without salt, and the drinks, with too much sugar, so so it's like what's going on uh they don't have a taste bud or what on the food there's thought the food was, bland I mean like so


there's nothing there's no taste there's there's no taste at all and the Biryani came with the the like a sticky rice kind of thing you know mango rice sticky rice, ya the Biryani came in such in that state and the drinks were like if you intend to have diabetic by all means you can go there uh cause they put uh I think a kilo of sugar in every drink I don't know it's so sweet and the drinks were so sweet that the the the food were tasteless I mean


that were that was one one of the bad experience I had in a Mamak restaurant which you hardly have one, yeah correct you know what I was not angry that's the best part I was laughing


I'm like are they playing a joke on us, eh [dey] what do you think I'm a patient, , I am what I'm a I'm not a patient, you know, to go without salt and uh and I don't want diabetic give me so much sugar, you see I don't have a


I don't think so I don't think so I don't think so I I I don't think they are allowed to do that


ah ah high , uh I have no idea on that but then ya I mean that is one of the experience you know negative experience besides that I don't think , let me see uh


ya ya it's ridiculous I mean he they


correct correct I mean the thing is he were he sounded so impressive with by while checking the order he'll say okay uh we going to get this food you know as soon as possible and blah blah blah and then we ended for half an hour just to get our food that is ridiculous


exactly that's another point he had the best thing is he wrote it on the paper, yeah, and how can he get wrong when you already write it


ya that's that's the thing about this uh these kind of restaurants they they hardly take any feedback you see because they they they play on quantity they don't see quality you see, so that's the issue you look at the restaurant when we went there it's so crowded right, ya for them it's the quantity is that matters uh I mean the quality comes second you see


so that's the thing I mean uh, we choose to be there I mean we had no choice, but then I I've been there for few times but I didn't experience such bad you know uh bad service but then this time around when we had to wait for thirty hours uh sorry thirty minutes thirty minutes thirty minutes is so ridiculous I mean ya I mean the food wasn't great


the drink was okay but the food wasn't great and to wait for thirty minutes that for that crappy food is ridiculous lah


uh my recent experience with my with with with my washing machine the door lock, broke, so I called up the the place that I bought it from and I told okay the door lock is broke I need someone to come and fix it if not I can't wash my clothes and the guy took my particulars took the uh order number or the model number and everything


the best part is uh he said we have to get our our our supplier to come and look into this give us till next week, next week came no calls, then I had to call back again another person picked up and that person kay told me that [orh] no uh complaint no was uh locked in


when did you call who did you speak to, I'm like what it's been one week, and you're telling me that your your previous guy did not do anything after taking so much particulars from me then she had to log a new case


and then the following week came, no calls , no one call back to set an appointment I had to call back again for the third time, just to get the door the lock the the uh the lock on my washing machine door fixed I had to call for the third time and the third time the person actually said okay uh


we as we already uh what they call uh got our vendors to work out to see how to basically work on this issue and then they will they will be calling me but I say when calling me back for three weeks I have not received any calls for three weeks when are they calling me back I I can't wait anymore I I'm uh I can't wash my clothes


you know, so it took them three weeks, just to send someone to my place to fix the lock on the washing machine door, to, it is ridiculous


I know but I don't want to do it because I have washing machine uh there what is the purpose of washing machine being there because we don't have time washing our clothes I mean we are working at us right we come back late after work you know I mean if you are on site I mean you are you're on site you're going to be it's going to be difficult for you but if you are working from home is a different thing but then that


sometimes we keep one week of clothes before we wash it once, time, right we don't wash it on a daily basis, so just to get the the door fixed it took them three weeks just to come out to get the door fixed so ridiculous


uh I seriously don't know how how they do business these people sometimes some of them


ya correct correct my recent experience is with a hotel in singapore let me tell you I book it online I normally do it via Agoda I will not mention which hotel is it I've booked that hotel before I ask you a question what do you understand


if deluxe room what what is your understanding of deluxe room, no the bed is what queen or king right, queen or king either one, and for them deluxe is two twin beds


no they say don't eh for us uh deluxe uh it's basically sometimes it can be two twin uh two single beds, I'm like no


I've been booking hotels for years deluxe has always come with twin uh either queen or king, I mean, (oo) uh this no uh this is normal for hotel I mean in in the app they normally should uh give you an option of choosing uh you want twin bed or you want a king bed


I'm like then why do you have twin rooms why why do you have a selection of twin rooms you just should stick ya correct I mean you have twin rooms and then you have deluxe which is also the (oo) can be the same so what do you separate it for what, right, so I'm I'm like can you just give me a different room [orh] our rooms are run out with those queen and king beds are run out I was like !wow! this is basically I told them I told them this is like basically uh you know uh deceiving right you put in something and then you give me something


right and and I've booked your hotel before and I booked the same way I did the last time uh this time the last time but why is it so different now, and he said no no this is this been the hotel's uh I mean the hotel has been like this all the time I said no, deluxe is deluxe twin is twin I mean I did not argue I mean I spoke with them with a with a with a softer you know tone lah I did not like scream ah thing everything ya but instead my partner was on the other side screaming at me did you book the right book did you book it did you book it you know how woman can be ya okay so I'm like come on


but the thing is when you say deluxe, my understanding is it's a queen or a king, when you said twin I understand there's two single beds, so what they had to do they had to combine both the beds, I mean like okay that's the best we can get then


and there's no choice because we don't want to book another hotel because it's like, we already paid for the hotel in advance, I mean where where I mean , it's like I that's that's the thing I mean this is seriously deluxe with two twin two single beds ah I I don't think is the right way to advertise you know


and people might get, ya exactly I mean ya I don't mind sleeping alone but then ya you know the the the the partner will will basically will not agree with the the the fact of you know, ya that's the thing


ya correct


correct there's there's no proper SOP at certain places you know certain people say the different things there's no proper SOP ya SOS


correct correct correct


ya exactly but what uh uh what about the other experience ah basically ah besides beside hotels like have you ever purchased something that you know within a short period of time how it's like


it it breaks or it doesn't work properly or like you know things like you you your normal it might be toiletries widget, or your skincare products or whatsoever you know have you experienced something


in terms of like uh facial cream lah facial cream ah certain certain ones doesn't really uh works well on my face because I have a oily skin and certain ones gives you that you know once you wash your face with it


so ya because sometimes it give gives the your face starts to peel you know the the the skin starts to peel peel off you know once you use a certain products your ya I have experienced that as well I have experienced that as well


so ya I'm not going to mention the brand lah of course but then ya I have experienced that that's why I stop using that lah so I've changed the brand I mean this is the first time I'm using it when people will buy I mean because their reviews were good but sometimes it doesn't apply to you right it depends on your skin correct


correct correct


yes I think you're right ya correct


ya agree agree


ya correct correct I agree with you sometimes you know actually especially those uh


what do you call if you're using uh hair products is very sensitive because it can you know your hair you may lose hair you see some they use this wrong chemical or whatsoever, ya so you have to be very careful with the brand because, shampoo ins I


normally use one certain brand of shampoos so that you know, it I don't I don't and I very particular on my gray hair so I don't get more gray hair so I I ya so I use uh very limited brands lah I don't I don't change the brands quite often because some really don't suit my hair ah it gives me the it might I get uh sometimes the hair falls


ya I guess so ya, I think we have to be more more careful of what we get okay


positive experience, okay singapore, [orh] yes yes of course of course since we can't go to JB or malaysia what to do we have to be around here taste singapore food lah


you know you see you know , ya ya uh my it it's it's about time we explore the places here because we we tend to go out more instead of exploring in singapore right, so, I went to this place call five five five thai food something


it's near Changi prison, just uh just further up, and it oversees the runway I don't know whether it's terminal three or terminal one, and the best thing is they have a signboard says over there Suvarnabhumi airport


yes everybody thought that I was in Bangkok, but besides that the food is good, thai food very good food


uh what I like about the place is it's very casual lah you know you don't have to, really dress up for it or whatsoever and then and the best thing is the people who are serving all are also thai they are not locals, they give you the thai experience the Sawadeeka


when you come you know those kind of thing you know, so it's like purely thai experience over there and then they wear the the okay there's the the hostess will wear the thai costume but the rest of course the the the waitresses they can't wear the thai costume they be on their normal


T-shirt and pants but as the hostess she will wear the thai costume and she'll greet you and then bring you to your table and everything very casual place very open because the runway is just still there then you can see plane arriving and taking off and all this stuff it's very close to the runway, okay


so ya that is the last I've been I mean the last weekend ah it's a very nice place to go to to hang out they have happy hour from five O'clock onwards that's what I'm planning next you know for four of us to go there, yes


so we should go there and try what about you when's the last you went on and had a good dinner


ya but has he removed the door, can you just tell him to remove the door just just leave it open open concept, no you see you see you see when we went there for the first time you see when the doors are closed when you when it gets noisy the echo you see you can't even really hear each other


you know, ya but then !aiya! it's too much of noise ya but anyway I ya


yes yes that's why people don't know that's why I'm saying lose the door that's why I'm telling you tell tell him to lose the door so it's like a open concept kind of thing, but anyway ya okay the place is okay the place is okay but and uh but then uh uh more marketing needs to


be done to to actually you know, to tell people that ah we have our he has a nice place over there, and I forgot to mention you know the beside the thai restaurant before going into the thai restaurant there is a #ikan bakar#, it's very crowded


I'd I'd before I went to the thai restaurant I went there first and I tasted the #ikan bakar# and everything it was good because I always wonder when I drive past that road there's always crowd going in so I thought there was another prison in there, so people going for to visit the inmates I'm like I didn't know there was a prison here I thought there was only one Changi prison you see


a lot of places that we haven't yes uh we haven't explored that's the thing it's a lot of places


but where and when you are in australia you have to be australian so you can't be going out at night,


if you notice ya I know if you notice it is like a white white thingy it sorry I mean white people are like that for instance when I was in europe uh for instance I was working there and uh I get into the lift just because it okay for instance now okay now you work in a just say you are in DBS the entire building is DBS


you are a DBS staff you get into the lift with a group of people who are DBS DBS staff but you don't know different department different floor, no one greets you right, everyone like you know ah I don't know you so I won't greet you but it's different you know uh in a white man's country no matter what where where you where your I mean from where which department you are or which floor you work in you are part of the same organisation they greet you every morning in the lift


that was that was a culture shock for me I'm like why [orh] why why is this guy greeting me I don't know him, right so it's it's totally different here and there you see so here if like you start greeting for instance a guy greets you who who doesn't know you and everything you will be like is he trying to hit on me (mmhmm)


, ya but then , correct correct correct


I think if you uh I think if you have gone to kinki's the service will be better, , , , kay, [orh] there you go


you should you should visit them more it goes with the name kinki, , alright anyway


ah just wanted to mention that


[orh] now because in my line of work in my line of work I have to call telcos and you have to hold on line on the call for like good fifteen twenty minutes until you get them, sometimes ya, it's so difficult to get them on uh on on when you are very on a urgent


on a urgent matter it's so difficult to get them so what do you do you listen to their music lah, you just listen to the music only a soothing and then it gets to your head and then you keep humming it even after the call, it sticks to your head but anyway


talking I mean nowadays you see the most of the uh, like Singtel or Starhub or M one, , I think they are okay lah it's not not too bad I mean their customer service is okay because it like you said the young people are nowadays on the front line


you see so they are more like very jovial kind of character you know the way they speaks uh they speak and then you know they are they are okay I mean it's not like because sometimes you have I mean if it's much different than before people's people's attitude has changed people's attitude has changed


[orh] yes definitely I agree with you on that yes yes


correct follow up follow up calls are very important yes yes


I think I think now people are more genuine lah instead of thinking about making money they I think they are more like you know what is the best to get


correct compliments that's what they lacking, we we we don't really give uh we don't compliment people that much ya


you see ah it's been quite some time I used uh, postpaid so and only now I'm already on prepaid so I don't have to worry about bills so but then ya of course I said like in my line of work I have to call telcos so I've so but my telcos are mostly foreign foreign telcos so I'd ya calling a a calling a white man telco company I mean ya as usual their their nature is such that they are very friendly


you see so, so no issues on that but uh it's been a while since I called local telco lah but the the the local ones that I call normally is just it's either income tax or CPF you know but they are fine also they are okay they are okay uh ya they are okay so ya


yeah exact , so impressive my god you're damn very good so I bought one ya exactly I can't remember what but I have I have the experience of


I have no intention of buying it being stopped uh while I was walking across you know somewhere they stopped me and then it was !wah! their their marketing strategy is so good the way they speak is so good the and then it impressed me I just uh bought I bought the thing and then after that I didn't use it


correct I feel bad if I say no you put in so uh much effort in it I have to, you know reward you something, ya so I buy the product


!wah! so good


it is because it's service based singapore is service base it's very important, service is all over singapore is all about service so you have to you have to get the top notch service when you're in singapore


ya the guy took time you see ya remember that we wanted to change the room, ya so he was so patient, right he took the time to go and check with the manager he came back he was I I I don't know I don't know some people might get irritated you know but then that guy is so


cool like a cucumber, then he took his time, yes, yeah there's no frustration in him maybe because two girls dealing with him speaking to with two ladies I don't know if I was


there maybe it'll be a different thing you see you see but then ya he he has the patience he has that you know that the qualities of being a a very good customer service guy so ya


exactly he put in so much ya I forgot about him he put in so much effort but then he showed us the wrong way, , he should have known better we should have complained about him


, ya ya he he yes correct correct he took the extra effort to you know bring he doesn't have to do it but then (oo) when you are in that ya he did it so ya okay I give him credit for that but anyway we he got us ,


no you see I was never all the time when you guys go and ask direction I can never get involved, very good you you get things done women get things done easier right


okay what let's do a comparison overseas and singapore , service in terms of service where do you I mean which place you like to go overseas for me I love Bangkok Bangkok the people are so nice they greet you wherever they go oh my god


yes , thai is the best place to go, yes we I mean there's so much to learn from them patience you know they always smile always greet we don't do that


you see very less , not everybody but then if you do a comparison oh my god, thai is so good I mean it don't know whether it's part of their culture, yeah but then it's so like welcoming


you know, I'm not saying not but then ya I'm just doing a comparison I'm doing a comparison, ya is correct correct correct


part one finance, ah yes yes I do I do uh ya I do have a savings account yes how about you


ah okay uh I have the savings, account uh ever since I was in school so it just, uh there there wasn't any changes so it just progresses as my savings account, uh so far experience


, okay okay lah it's just a savings account you know , my, savings account is from POSB kids ever since I was I was uh I was in primary school so


as I grow up I didn't change anything so it's still there , I think it's it's a good it's a good savings account lah how about you do you have the same the same account as as me


ya that's a good idea ah, ya ya ya, ya I actually open up savings account for my children also so it'll start saving little by little uh when they're small so ya


do do you have a credit card or a debit card


yeah yeah yeah I do I do I do have a debit card uh I think it's very convenient especially, uh our situation right now you know with with COVID and all right we go cashless so we can just , tap the card and then we can move on with our purchase it is very convenient


and also for, online shopping I think it's it's really convenient because , when we shop sometimes we tend to shop too much so with debit you know we can only use what we have, we don't have to use the credit ya so I think it's it's it's a very good


feature lah it's very convenient it's a convenient feature yeah uh are you married, do you do you do you, are you gonna get married soon


ah do you do you are you thinking of having having having a couples uh joint account do you plan to combine uh your finances together


ah ya ya ya actually we do me and my husband we have a joint account it's more of , our joint income where we can see, uh how much we have to spend for the family, and also if you know we can see our joint income together lah so whether we can uh plan to save up


for something or plan to do uh to spend it on the children and all that so it's it's, it's a convenient thing lah where we can see both, parties or we can even put whatever amount we want to spend for the month for the family ya


actually we do we do have a joint account


they all do have their own account but they don't they don't have the access, because as I think as long as they are twelve and below if I'm not wrong their bank accounts are


pegged to my account to my name because they're not of, the legal age yet so, whenever they save up some money I will I will uh bank it in for them, while bring them to the bank and and show them how how it works so they can they know how it is and then basically they are not allowed to withdraw by themself lah so if they want to buy something they have to let me know what is it and then we will talk about it and then we will


we will so called withdraw, together ya but for now it's much more easier last time is we have to go to the bank bring the passbook and all that bring the child you know, to verify their thumbprint and all that before we can withdraw from the child's bank account but now because their account is stack to my account my savings account


so what I have to do is just, transfer out their money to my personal account, and then we can just withdraw via the ATM, via i-banking ya so it's much more convenient you don't have to queue up in the bank to you know write out you know in in the bank before we actually have to write out the


slip the withdrawal slip and all that right so now is much more convenient lah , with the children's banker so with the bank account so they will know like oh okay I have this this, I know this much to spend on something or I don't have much so I need to save up more that kind of thing so I think it's it's


it's, good lah it's good it's good for them to have that so they, know although they can't see like real money but they can see the digits on their bank account, so it's it's something good something good and healthy for them to start saving lah


uh let me see uh, ya we don't we don't have credit card so what do you think I think debit cards also have like, uh cashbacks right cashbacks or points have you heard of it


oh okay cashback as in you can withdraw the cash or, it's like in in in in terms where cash but you can


oh I see I see I see okay, have you ever like bought , insurance products from any banks


uh I think a long time ago I did I think I think lah, , it wasn't, okay it was more like they were trying to tell me like uh


it's like so called my investment for the future but the insurance is like I have to put in, like a a, a a fixed amount every month, I have to, make sure that in my bank account there's this much


amount of money then they will just deduct every month and then , after like, the twelve months also then, my insurance will matured or something like that but I cannot withdraw until uh the


insurance has matured as in like it ends it end as in, end of the contract lah so called like that but, the person, who explain this, uh insurance product, to me right she wasn't really like very clear so I I also don't know what is it for


you know like if like I I if like I met with an accident whether I can I can claim it from there or is it like, if I die then I can claim you know something like that so it wasn't really very clear but, I think at that point of time I was very young so I wasn't so sure but


I think, I've already paid for, two three months of it and then, uh, I stopped paying but once I stopped paying right they cannot give me back my money lah so basically at that young at my younger self I don't really understand so basically like I would say it's it's kind of like a bad experience for me cause I lost the money it was a couple of hundreds I think couple of hundred dollars something like that but it's it's still


quite a bad experience because the person didn't really explain properly you know make sure I understand and all that before I actually agree, to take up such such things lah, ya so I think next time if you ever think of buying any insurance products or any kind of insurance I think you should really really


make sure that you understand the terms and condition lah ya


okay actually the bank's interest rate, actually depends on which bank, , if you look at it actually it's true lah some banks actually the interest rate is not that great , if you wanna say whether your money is safe in the bank I think it has also got to do depending on which bank lah


if it's like a brand new bank, you don't know you can't trust them maybe it's not a good idea , the what do you call that, err, investing part, I'm not too sure about any


investments so I think for me personally, putting the money in the bank is the best thing for me lah because I'm, not too I'm not too how do I say ah, I don't quite understand really much about investments


so if I've got nothing else if I'm I don't feel like buying anything and and there is an excess money I think I would just


okay uh, actually it's a very good question because my oldest is, uh fourteen, and then , I I open up k last time last time banking for children is very different because it was like I said it was tagged to the parent


uh name and account right so what happened was when he turn, twelve, okay last time the banking card I don't know why it's like that they are called, , what is it called ah the account is coal


I can't remember what it's called but it's the account, where you, if I'm not wrong you cannot withdraw or something like that oh it's called like a trust fund or something like that so when my son, turned uh thirteen I decided to get him his own ATM card


so I went to the bank they say oh I cannot just apply for an ATM card so what happened is they say they need to switch his account so that means they need to untag my his account to me to my account for in order for him to have his own ATM so


via the bank they say, by the time they are like, uh thirteen I think they can have their own ATM, so now my son actually has his own ATM card but he is not uh he is, he don't really have the


freedom to anyhow use it lah, so when he feels when he wants to use it to buy something then he will let me know that oh okay mama I want to buy something can I use, the money in my bank, via my bank my ATM card, ya but it is he is it is still not say tagged to me it's still tagged to me but he his account has the freedom to have an ATM card already because


I give the consent oh no no I think wrong wrong wrong if I'm not wrong the bank only gives ATM card to sixteen years old and above, if, the parent insist to get him an ATM card below sixteen the parent have to


give the consent lah that means you must sign lah, consent form you know black and white thing and the parent have to be there, so that's what I did uh he's also allowed to have a debit card but that debit card if I'm not wrong, the bank says that we have to wait till he is like sixteen


he have to come by himself and apply for the ATM card, and then after that he's on his own lah basically basically it won't be tagged to me anymore, ya, so I think the best age is definitely sixteen because he is much more you know


I think responsible and aware but for those parents who want to give an ATM card I think thirteen fourteen is okay ya


actually it's true but sometimes you know at this kind of I would say uh, nowadays right everything is quite cashless you know my son I I I decided to give my son the ATM card is because it's easier for him to buy his concession


uh stamp for his bus pass his student pass so it's easier also I don't have to give him so much money you know like cash like fifty over dollars just to buy the concession so with ATM it's safer because you the child don't hold so much cash in hand


so ya that's why that's another reason why also I decided to let him have an ATM card lah ya okay okay hold on ah


negative experience, okay , negative experience, have you ever had a very negative experience


uh while buying, bubble tea I love bubble tea I love bubble tea


which bubble tea shop ah ,


I see okay yeah me ah I love bubble tea but , there was once uh I ordered, I ordered, I think two or three cups uh I like this bubble tea from share tea lah you know then uh at one point of time I think I think I ordered it quite late maybe they like closing closing hour or something like that


uh I ordered, uh honey earl grey with the, what do you call that the white, white the white, pearls or something like that lah then suddenly right


it came with the wrong one, it came with the wrong order, I was so angry okay it came with the wrong order and then during that time I think , foodpanda just started out so they still like fresh brand new that kind of thing


then I, I told a delivery guy say !hey! this is not my order lah you know can you please uh get me my right order then then the way he speak to me right it's like oh I don't know I don't care you, you call you call the shop or you call, foodpanda I just deliver then it makes me like


I was so mad you know it it really boils me, so I I uh, with if with foodpanda if you must know there is no number to call you know you you do everything via the app right so you send the message so I send them a message saying


that !hey! you got me the wrong order you got me the wrong item and I ordered three cups you send me seven cups, and at home, ya at home there was only me and my like I think two children at that point of time


let's say it's the wrong one so what do you want me to do with this and to make it worst right that all the seven cups it was uh, then the person say it's okay you can just drink it lah uh the best we can do is just give you uh give you


a refund and something like that a refund or is it a voucher or something like that then I say no I don't want it because you know what there's there's seven cups and, all of these seven cups you want to know what is the flavor it was, ice cream milk tea


sugar level is hundred percent, can you can can you, imagine how much sugar is in each cup and, there are seven cups so I was very angry I say no no no no I don't want, a a refund I want my drink and then they say no okay okay we will try to contact the shop blah blah blah but then they say oh sorry the shop has already close so they do not have they cannot take in anymore orders like that so they cannot


give me my, give me my order lah basically so I ended up with like seven bubble tea which I don't even like and I don't even I don't even know how, to begin to drink it it is ice cream milk tea with hundred percent sugar


it's crazy, so in the end I just had to throw it lah but one thing about uh, foodpanda right I think they should, they should actually give us a hotline number to call lah to rectify the the issue right away you know


to show them that it's really a genuine mistake and all that and they should actually have a way to to rectify I mean, oh and there was one point of time this is long time ago I was pregnant with my number four I think, foodpanda also just started they just started they don't they don't they don't have uh


they don't have an app at that moment of time they had a number we had to call, oh is it oh no no no we ordered via the the shop so that day I was so hungry my husband was out working, and then


we scared didn't cook lah for that day lah you know I was feeling lazy so I ordered burger king, via the, foodpanda lah foodpanda delivery so what happened was they took my order and then one hour later is still not arriving


okay so I say okay never mind maybe wait for another ten more minutes so after that I called them and I said !hey! where's my order you know , I'm I'm still waiting it has been almost more than it was like more than one hour where is it oh they said oh okay okay okay we will check for you ah it should be on the way so I hang up and then you know two hours later the order is still not here and at that point of time I was already


very very very angry lah cause I, was hungry and I was pregnant then my children was also hungry right and then they say sorry uh the only thing that they can they say oh they had to didn't have enough riders so they they need to cancel my order and the best thing they can do for me is to give me a ten dollar voucher


so can you can you imagine how angry I was so basically, at that point of time I think, that was really a very bad experience for me lah you know I mean , as a as a food delivery service or food delivery company


I think if you're not ready you are not equipped to do this I think you shouldn't launch it, you know you shouldn't over promise so at that point of time it was a very negative experience it took me quite some time, even after this current new foodpanda


, started back again it took me quite some time to actually use them again because of of the that that very first experience I had with them lah, uh that burger king thing, because it was like come on I mean who who waits for the food for two hours and then it didn't come right at least if we waited for two hours if it finally came at least something right but it din


it didn't even turn up they didn't even sent me the food so it's very, bad lah I would say at that point then I was like oh foodpanda no no no when they were, they launched the new one was like oh don't want don't want don't want to use but, now is still not that bad but, there is the occasional you know occasional


negative experience that I get with the customer service also lah like, I think, the burger king thing really top top top, the negative service definitely how about you do you have any like negative service, from any


any customer service or any delivery app, that you use ,


oh my god ah so expensive


ya you should actually report because it's very expensive you should actually report it


actually skincare product, uh okay let me see, they are a few skin skincare product I think that, that the, that the I think they they over promise


okay there was once last time it's called proactive have you heard of proactive, skincare product right uh


, called proactive, and uh they okay lah they say it's good for acne and all, but, it is very strong you know it is like uh,


it actually eats up your skin ah although it it helps with the acne and all that right but it actually, eats up your skin, your skin will tend to get very dry uh it was recommended by my sister, because it works for her right but I think it doesn't really work for me like it actually made my my skin worse


you know actually was was make my skin worse lah it was my skin was dry irritate irritated, by all that so if if anyone ever tell you about, uh proactive right I think you shouldn't try it lah


ya ya but I don't know lah, maybe if if they change their formulation or something like that then, if you want to give it a try I think, go ahead lah but for me personally I think I won't I won't ever try because it's very really very dry and then you know when your skin is dry right


it gets irritated and then it gets very tight so it's it's it's an awful, awful, product lah for me it gets eh , it gets how do I say ah , , even the slightest touch will will it's very painful


ya it is like, oh it's like sunburn you know when your skin gets sunburn when you touch it it like it's like it hurts so much ya proactive actually made my skin very dry and


ya correct it I think it's like really suitable for like very bad acne kind of face you know, although my face is very oily but it's not, I don't really have those very big big big acnes you know so I think maybe that's why it dries up too much


ya correct correct


that just now you said that you went on a holiday right, uh any like, bad any bad experience on your holiday like the service the the room you know


okay actually, actually , there was once right I actually went to london lah and then , the, wait it we we we we we got a free


breakfast so what happened was I think I think I think maybe they I don't know they make a mistake or something as you know we we we only can eat halal food right so that day we went out for our breakfast, uh they actually serve, ham you know


non halal dishes, next to halal dishes, I mean to me it's like, I think that's a bad service lah you know because like you don't respect my belief you know that there will be some muslim customers but I don't think you should


put you know non halal and halal food together right and then ya then when we brought it up you know, the the, the staff are saying oh okay the manager said there is this, uh continental uh breakfast is supposed to be like


that and they're not aware that you know we we uh we require uh, halal service and all that but it it is it's like I feel that you know as as as a hotel where you, welcome international guests I think you should be


more aware and, you should respect each and everybody's beliefs lah at least if you know that you you see us coming in you know with with the headscarf and all that I think you should at least, uh ask us you know whether we need uh halal uh service or not that kind of thing


ya and then another thing at the same hotel I think our heater was broken, and they took quite some time to actually, uh fix it for us and during the time when I visited london it was very very cold, so it was it was a very unpleasant


experience for us to be in the hotel room lah actually ya, so and the room wasn't that clean also to begin with we actually asked to change the room but they said that the the the the whole the whole hotel is fully booked


so we had to just stay at that same room, uh for the next like I think four five days that we were there lah it was it was it is it is it a bummer lah because it was a it was my first time being in london so


ya so it's like very bad , ya but I I I wouldn't say I wouldn't recommend that hotel to you or anyone else, maybe it's just that for that day maybe it's really really they are really fully booked so they've got no choice just to put us there for the time being ya


oh okay so it's like self service buffet lah


part two, positive experience, okay ha okay let's see , positive dining experience okay uh


okay there was, once not once lah last year uh my husband brought all of us to, this uh, restaurant I would say uh eating place


uh it's, uh I've never been there the, the when we step foot in it the ambience was very nice very inviting very comfortable and very


family friendly lah because my family is very big as you know I have five children so wherever we go we need to have a, a a place where they can accommodate all of us in one sitting, you know


what I like about the place itself it's, it has like uh nice wooden benches, uh wooden table look very cosy lah very very cosy and, what makes it very positive


number one is , the, the pricing lah definitely pricing is value for money the taste is very good it's it's good my children love it my children love it very much and the presentation of the dish is also very inviting


and the the quantity uh of the dish the plating of it is definitely a value for money as I said I'm a family of seven so we usually buy, a lot I wouldn't say a lot we we usually buy food that is enough for all of us and for that place


the quantity is good lah, that means you know like for small children they don't eat so much right so if we buy one adult portion it is more than enough for like two and a half children that kind of thing ya, the service standard of the uh restaurant I would I would say it's very clean and the


the staff is very friendly uh they're very nice and they are very patient with us as like I said we have children we have a lot of children so it's it's it's it's nice to have , staff who are, very patient with us lah you know children take some time to decide on what they want to eat and all that so it's it's it's good it's a good place


you should try it sometime , it is called uh I think it's called, tender fresh or is it tender best not too sure which one but it's it's it's either one of them but this one we went to is the the one in ayer rajah CC


oh and then we went to another branch also is at woodlands ah I think , Makcik tuckshop or something like that lah it's at woodlands but it's the same it's the same restaurant it's the same eating place it's the same place ya and it's good, it's really good you should try it sometimes


very interesting maybe I will I will go and visit there one day my birthday's coming up maybe I can go and check it out


wanderlust lounge okay, ya I'll check it out can can can , ya uh okay, actually right that day I was , okay my, phone uh what you call that my phone contract is about to end so that day I did some


googling I did some like research lah on whether I should stay on with my current telco that is starhub, or I should, port over to another telco so I did a lot of research so I called


starhub first, to uh double check when can I really uh, recontract my my my phone and if I can get an early contract whether I need to pay extra or not you know


so the, the what you call that the customer service person right she's actually very patient with me lah cause I ask her a lot of question because I'm actually eyeing on the, iphone uh, eleven pro max, but it is still very pricey


so she very patient with me , I ask her like okay if I do early recontract how much must I pay then she say oh okay if I do like early recontract back then lah I called like I think couple of weeks ago she say if I do it now I have to pay uh like three hundred dollars for the early recontract


but she say don't worry because I, am a what you call that the starhub, member or something like that then she said I'm entitled for a two hundred dollar, uh discount so I can use that two hundred dollar, to minus off my early early


uh recontract arrangement lah but she said but if I do a recontract in uh on on the first of october then I don't have to pay the, the fee lah the three hundred dollar fee uh so I said okay never mind I'll think about it then I ask her about how much is the phone you know how's the subscription like and then I also ask her if my company has any corporate account and then you know what are the benefits do I get


extra discount or do I get extra minutes that kind of thing she's actually a very patient lah she gave me all what I need, and uh, and the prices of the phone and all that she's actually very very patient and I also ask her so because now COVID right we cannot just you know walk in into the telco so what should I do then she's she was saying oh okay you can


you can , do the order via phone like right now as in as in like when I'm talking to her like like now right back then, or I can just do via online then she say via online is better because usually online they have a lot of


online offers you know like offers of the week or first of the month that kind of thing so she said it's it's best to do it online so I can I can benefit all the other extra offers and discounts and then she also explained to me that , if I do online you know I can I can choose to either uh pick up at the store or I can choose for a delivery which is so much easier right delivery you don't you don't even have to go out ya so so far she's very good and then goes


do the same also same with m one I also called m one because because I I noticed that , because I checked with my company uh HR I ask them whether they have a, corporate account for m one and they say they did so they had uh they had a higher


uh discount, so I called m one customer service also and and he was very nice also he's he's very, patient , very polite you know not not pushy and all that and same thing also in fact in fact if you want to change your phone or anything right you can actually do it either


online on their website or you can just call them and then they will settle it for you lah, ya and then our m one m one also do store pick up so you must, book an appointment you must you must choose your date when you want to come by to the nearest uh m one or starhub shop nearest to you then you can pick pick the date and the time


that you can go and pick it up, or you can also go and collect uh go uh choose the, delivery service lah ya how about you, do you have any have you have you like you know, , have any how's your experience with any of the telco company


right starhub is actually quite good right but but over the time they kind of get a bit pricey lah , ya


ya it's very cheap actually it's true that day also I came about I I didn't, know that my company, has a corporate account with uh circles life as well so that day I check it out and then, and then it's actually really really really value for money, all I have to do is just port over my number


the subscription is very cheap it's eighteen dollars, and my data will be fifty GB which is very big right , ya ya it's super big and if I'm not wrong if I remember correctly I think they were saying that uh


if I I port over using my corporate account right my company's account, then I get free unlimited, incoming and outgoing also, so I'm still thinking but the only concern is, circles life handphone


uh, ya if you don't have a credit card you cannot get, their installment you know the the handphone via installment you have to pay the lump sum and I did check the phone that I wanted, if I do pay lump sum is about two thousand plus which is like no it's just too much ya so I'm still thinking but my contract hasn't really end yet


it will end in february then maybe back then maybe I will, call the telco's customer service again to see what other offers they have for me lah, ya I think that's the best idea


correct correct do you use uh skincare, do do you use skincare do you mind sharing with me what kind of skincare do you use


okay , okay actually for me uh I used to have very bad uh acne very bad pimples so I will always usually use uh


what do you call that ah like anti-blemishing anti-blemishes uh skincare product lah like for acne acne prone product the last time, uh I use this product is called vichy is very expensive actually is very pricey but it is very very good


uh vichy, when last time my skin was very oily you know and and and then prone to get pimples and stuff vichy actually help to clear up all my, all my pimples, and it is not, uh sticky or oily but the only downside is it's expensive lah


so , right now uh I'm using another product it's uh it's, the okay uh it's called akwar, but the spelling is not like aqua like AQUA lah the spelling is AKWAR akwar it's a korean


uh, how do I say ah it's a korean is a korean product but its integrated with, the US is it's it's, produced in korea but a US company is actually selling it ya the skincare is why I like uh what I like about it is that it is


how do I say is is safe, it has all the health benefits, and also they don't test their products on animals, you know that they are animal cruelty free


and they are organic as well, so basically they are like, environmentally friendly lah you know you have to be more conscious about it nowadays right, so that ya so that's why I I I like about it , and it is working for my skin also


it makes my skin feel, fresh uh non oily and , basically I don't look so dull, nowadays, ya maybe you should give it a try also price wise uh


some people will say it's pricey but, a whole set of it can actually uh last you more than a month, lah so, it can also like help you save money here and there lah ya


uh akwar oh the the brand nah the the brand is akwar but the company that sells it it's called uh four life have you heard of four life


is is quite good right ya I also I also take the collagen it's very , it's very good I like I say I have oily skin, and I get pimples here there quite often so when I use that collagen right it actually


helps to shrink my pores and don't make my face so oily and not too dry so I think it's it's good also it's good that you are trying it now you should try the other products also, ya


if you wanna try the other products you can let me know lah maybe I can recommend you other things also, ya and and if you do drop by their, their shop right their their office in singapore the, the, the customer service is also very friendly they uh they know their products they are more than willing to help you with whatever that whatever questions or whatever queries you have about it ya


about them , uh they the shop is at uh paya lebar you know paya lebar, uh what do you call that the sing uh paya lebar singpost building it's is there ya it's it's on the twelve floor


, if you want to go you let me know lah maybe we maybe I can bring you there we can go together, ya have you ever been, have you ever been to any holiday using any travel travel agents


when you are overseas lah the travel agent actually ah okay okay


where did you where where did you go, oh madina okay okay ya


part one finance, hi nadira do you have a savings account


okay uh can yup I do have a saving accounts and , I like to I, I like you to share your experience and details on uh what type of account that you are actually using and, what do you, why did you choose to uh take


up such bank account


yes I I, do have a savings account I actually have two savings account one is actually uh DBS which I've been using since school days so uh since primary school uh my mom actually open up an account and


then , I actually wanted to take uh actually take took up another account for my own savings so one account is actually for for spending and the other account's actually for savings uh for future use


have a debit card uh I don't go credit most uh at all so ya I use debit card mostly for like because it's an easy transaction I can use it for like


buying uh shopping and also going to malls and use my debit card to to just step out uh tap and then just go right yup so how about you


no but uh ya, uh yes I'm getting married next year actually so yup


not too sure actually because it depends I guess like maybe like we just need to know what what is a joint account's, actually about like what uh, how to say like whether uh like what's the purpose of the joint account is it is it actually for like our own usage uh like our own savings in the future or maybe like is for our future generations that we want to like transfer it to them something like that but I


think it's best to have like our own account for now so I have not decided yet how about you like you since you're married you would have like a savings uh like would you did you have like a combined savings account


like your opinion on like since you say about like kids right so what are your opinions of , the kids to actually hold onto their own bank account ya like what age do you think that they are suitable to actually uh owns or like hold their own account and uh save their own money in the bank


I see


I see that's good (mmhmm)


don't really heard of it but I do actually uh do shopping with a cashback I think the shopping app would be called like the shop shopback for


cashback so everytime like I purchase something from other, applications such as shopee or , lazada then uh or maybe like, booking uh hotels like or or something, so the traveling and everything lah there's a lot of like applications that you can use for shopping then after I actually purchased that shopping I actually gotten like some cashback from


the uh from the the apps that I purchase from ya


can actually withdraw the crab the cash so , so from this cashback right they have like a certain limitation so like we need to wait to get like at least , like for example like in order to withdraw or maybe transfer back to your own bank account you need at least like ten dollars or more uh before you can actually do the withdrawal yup


uh other than that I'm not too sure whether you can actually use the cashback to actually purchase new items ya but probably uh I think there is a way lah ya


don't ya how about you


like some people may argue that banks interest rates are unattractive like then some people also feel like the, money is actually safe and accessible in banks and like would you would you actually uh save your money in the bank or would you want to actually invest it uh somewhere else


what what's your opinion on this


for me I think yes uh although that the, uh although that the interest rate is actually not attractive but ya like what you say the money, the money in the, bank is like much more safer to to save and without having the risk of losing it at all as compared to maybe investment like by investing you actually grow some money but of course you will also lose the money as well so


uh other than that I mean like ya investing is actually like a risk so I actually went through uh a few discussion with a lot of other , how to say like like insurance agency on for like investing and everything so they actually explain to me a a few things about investment so it's like there's you have to have the risk to invest uh


to actually get your money growing ya but not too sure how much it is ya like what you say savings uh in the bank is much more uh efficient


hello, let me see, age do you think that a child should be given an ATM card to manage their own bank account


don't you think like it's best to actually ask a child to actually get uh like, posts like the child should holds the ATM card once they actually knows how like once they actually working and then like a part time job or something and then like from there they actually can get a feel of what they actually savings from their own part time job


I see okay, that's a good idea ya


part three negative experience


there used to be ya there used to be once actually basically I went to, like I was schooling at that point of time and, there was a bubble tea shop so maybe it's not me maybe it's other people so


what other people, like what I saw was that the bubble tea there was, how to say like when you talk about hygiene like every shop unit hygiene right so what happen was that the bubble tea itself when they bought it there was like you know like an insect which is inside the bubble tea itself so from there


I guess like it it stops uh it stops for almost like few months before they can actually buy the at the same shop again and that was like the famous bubble tea shop that we we actually went to every time like after school


ya but then , sorry uh I can't remember, what's the name of the bubble tea shop but it's it was in a school ya so it was like just just a school you know coffee shop like uh, like the school canteen itself they they actually sell uh bubble tea yup so from there from there I was a bit shocked and


and then uh when, I actually saw it with my own eyes as well uh so I was lucky that I didn't bought it but , but I'm not sure of how what's the situation now like uh, whether the


they they actually reclaim back the the shop or or it's just still the same or maybe like there's new shop owner uh who owns that that that particular space how about you any experience


a table


okay !wow!


understand


uh so far


not really I I don't experience the same thing as you I guess ya so all the items that I bought, actually came on time so I don't have I don't actually have the same experience as yours but if you are talking about like maybe an item that I bought before and the uh and uh


actually I bought an item uh I think it's called fedora uh velour velour, uh a headset is a new uh it was like it was launched like a few years back I think about three years or four years back or maybe like during my school time in poly so I actually bought that headset and


out of a sudden like uh, just one day of buying it there, there's like because it's acrylic it's made of an acrylic so this acrylic is like plastic right so the plastic actually torn off so I actually went back to do an exchange which which I did


and then it is it's the same thing as well so it was not really like a good experience of me buying a headset uh with like an acrylic base so, uh so technically like the next time that I went there I wasn't given another exchange uh and I can't even get a refund of what actually purchase and it's not even like a month that I no it's not even like a day that I actually use the product


so so is a little bit unfair when I actually bought it but I couldn't actually exchange it to a better, uh product but instead I can't I can't even exchange it at all so at at the end of the day like in the end I have to actually just have to throw it away because it's uh it's not functional at all after that so once the product is broken I


it's like the acrylic is broken the part the, parts and pieces of the uh of the sounds is all distorted, so I couldn't actually uh do an exchange I couldn't repair so all I can do is just throw it away throw like my three hundred dollar plus away I guess it was it was quite expensive yeah


oh ya correct it's around that price lah basically I if I remember correctly so it was really bad uh experience the customer


service itself not really, helping much so I couldn't do anything as well uh I think, I should actually report right but , , maybe I'm too nice I like go ya so


, so how about you any experience of damaged stuff or any other experience like negative experience that you face maybe skincare products that you actually mentioned before that you actually change to aqua or something like


that


no I don't think so I don't really use uh skincare product


okay


so so it's not it's not really like suitable for all skin types and technically


I see because I feel like because my skin is too dry and the way that you mention it like your it will eat up your skin so my skin's might be much more drier if if I were to actually use that product right that you mention


so I guess I guess it won't be a good uh a good try for me


I think at, I think it's okay except for like maybe language barrier, so so certain times where I actually need uh to to go to a place like for example a toilet uh for example I don't really know how to actually speaks uh


their language to go to the toilet so they will, like just randomly just give me uh direction okay you go there then you go there but in their own language so I don't really understand so and, and there was not really like there's a place there was not really a very strong wi-fi they do have a wifi but it's not too strong that


I can actually like google search like well how to actually pronounce the word right uh or maybe like show them like what I'm actually asking, for and, not all of them like the, customer service themself some of them is friendly some of them is not so not sure whether they actually welcome uh


tourists or people who actually want to stay in ya


talking about that right I actually ah ya if I remember correctly again when I went mecca the hotel when they actually serve like ah no we have to serve our own food by ourself we have to take our own food basically, but ya correct but then


at that point of time there was a lot of stuff but the the, sitting like the the place where we sit like for the table and everything it was full of uh of like how to say like the plates the glasses everything was there is already being used by use up by uh the other


uh how to say the other guests ya correct so so basically it it's it's, very unpleasant lah like, basically you are you are you are trying to invite new guests but then, like there's no place for us to sit and then we have we have to clear the the plates and tables uh the plates and the


uh and the glasses ourself so it was quite, unpleasant lah basically , yeah , ya so so it it was already one minute ya


part two positive experience


actually you sure sure , ya maybe I can also share some experience in in a place that I actually recently went to, so basically it's like maybe you can bring your kids along one day is


it's the the restaurant is called wanderlost lounge so what they actually offer there is more on like fairy tale like fantasies , drinks and everything so maybe maybe like your kids will love it and then it's value for money the entire


place the ambience is very uh uh I can say it's very appealing is nice the food there is is nice as well it might be a little bit expensive but, uh overall the


the things that they actually like present to you the dish that they present to you they have like, a dish of the day or soup of the day uh so maybe we can you can try there the toilet is also refreshing like everything is like more to like fairy tale uh fairy tale environment ya yup


I think the nearest place is actually at tanjong pagar if I'm not wrong so maybe can research uh on the, uh research through google on the on the name of the


the cafe ya wanderlost lounge, yeah


that's good sorry, uh, I think , okay previously uh right now I'm actually using circles life as uh as my support


mobile uh phone so , uh last time I actually uses starhub and then I actually port over to singtel , starhub is actually good I've been doing using starhub


for uh quite uh a lot uh like since I was like primary school I guess ya, , ya that that that's the reason why I actually changed uh singtel but preferable I actually would like to uh go back to one of the telco which I feel like more comfortable most probably I would go back to starhub yeah


although it's a little bit pricey at the point of time uh it's understandable that , I'm actually still schooling and I can't really afford to actually pay the the sum out of money every month so it all depends on my parents to actually pay for my bills but after awhile since now I'm actually working


and have like a stable income so probably I can actually go back to a telco line which I can actually get like a, like yearly uh it's like a two years contract right to get to get like a phone probably


ya so so from there as I uh I think it's best to ya and then our I did call the customer service though and like how how would I want to port my number in and and everything so


they are quite friendly but I, I haven't really consider uh like when I'm actually planning to change back to to the telco line ya because currently I'm I'm quite satisfied with the circles life uh


telco (mmhmm), I think it's under m one right if I'm not wrong yeah so yeah I'm actually quite satisfied cause it's value for money and the like the data is quite good so if let's say you need to


one thing about circles I've like want when you need to like increase like free incoming uh you want to get free incoming call or outgoing call you just need to add like two dollars or so so it's quite cheap


super big ya


yes that's correct


ya I think it's good to look thoroughly on what you want before you choose ya before you change ya


actually for skincare I I don't


I haven't found a suitable skincare uh for myself yet so I I keep changing skincare uh from other products to, like maybe how to say like what what was the skincare that I use before I I can't really remember so ya maybe maybe you would like to share on your experience ya because I don't really use skincare


much I only depends on uh on my own self lah ya basic


okay uh what was the product called again akwar is it


uh yes I think I heard yeah I heard about it a lot actually I was thinking of buying the products from four life as well I was reading up on four life uh website and the products that they sells quite useful I actually I actually bought


when you talk about four life I actually bought one like uh certain products which is most probably like collagen, if I'm not wrong ya so I actually drank that collagen so far uh like I have dry skin so like it actually replenishes like some of my skin cells and everything so


so it's quite actually is quite good product lah basically


I'll look into it as as well uh ya


where is the where is the location located at


I see okay maybe I should, ya sure sure yup


no uh I think I, did but I'm not too sure of the what travel agent it is uh it's actually my mom is the one who actually uh introduced to with that agent actually actually went mecca with with that travel agents ya


it's okay uh there's a, a lot of facilities that is in the package like, like a lot of uh like, like it was about four thousand dollars, and the package is quite uh useful so basically I actually went to like there's also insurance uh like safety insurance I guess as well


yup and, the facility that they they send us to like the hotel and everything is really really , satisfying lah basically the the hotel that they we went is very clean


ya uh, mecca, medina


uh part one finance


okay uh like what strategies would you recommend to someone planning for their big ticket expenditures like example like starting a family buying a car house


uh okay ya I'd like to know your view only


ya okay but my question is a this endowment plans right it's only for those like uh only can use for housing or education but or can I use for anything else like non like uh non cliche stuff ah


oh okay so I can use for business and all just not for education lah


because ya inflation and all is I mean common sense right, no but sometimes what if the like bank closed down and all you know I got this like like putting your money all in one bank I feel is a bit of a risk because sometimes what if the banks goes like lehman brothers you know that time they went through this thing next suddenly everybody put their money in this Lehman Brothers bonds and shares then things like went downhill from there yeah


I wouldn't give ah oh ya, no but uh my question is what if the bank when you give like sometimes you know you give large sums to the bank then like suddenly the bank closes down or something like that they go through some economic crash you know


no but now with the COVID and all economy is in is like crashing down what


ya I mean I mean that that's a very weird example to say but uh, , ya then ya I mean your hundred dollar but I mean I can still get hundred dollar but my question okay you know in this post COVID world like right there's this COVID thing then after a COVID dies down there's this post COVID world like what changes are you going to make in terms of your spending or saving habits like for me


I think I need to be more I need to be more like , like cautious on my like expenditure because normally I spend a bit too much on my short film stuff and all like you know sometimes we have to go decker town to buy ten last time is uh, the third like thirty nine dollars but now could be like forty three dollars fifty eight cents so like this this this increase of four dollars fifty eight cents right like you said the the value of money today will be different tomorrow right so it's like I think I need to like really save my stuff for that so like what what what's your view on this


okay you got any questions like because I've been asking questions like you got any views that you want might from me


like uh you know like example like would is there any way like you like earn extra income to improve your income level like example like like for me I do like part time I don't do investment so I do part time jobs or I go into some survey jobs where they give like three digit numbers like so like


(mmhmm) , ya ya ya ya ya because to be times one one plus about and so like with more and


the interest increases then the price up, the increases to the future wealth but then like uh how to say for person like me who has who has like really ground ground zero knowledge on like investment and all right sometimes I'll be a bit scared to like go because there's a lot of scammers like one of my friend is his insurance guy called <P2>siva</P2> he's like damn scammer anything like this investment options or what he's like


he's giving the wrong wrong stuff then I'm like I can't even believe this Siva guy to go in and invest what like for me it's a bit hard what, so I wouldn't want to take the risk I rather like instead I invest and waste my money I rather go work work and just save keep my money to myself, there's a lot of scammers out there mah


oh kay kay


, uh ya ya ya ya true true


ya ya ya actually I still got this question because you see, I I I'm not in a relationship I'm single so like for me it's like go uh to like keep my expenditure was very easy because I just spend for myself you know but for you because okay I I mean it's okay right now we are in singapore so like you got a boyfriend then how do you manage that expenses you you and your boyfriend like I'm just curious because it's not easy because if it's a girl and a guy you know you all can


like spend easily but for guy and guy is not so eat the same amount and all so it's like not easy how do you, maintain that like expenditures and all,


ya ya ya true true true, ya because you and your boyfriend I feel like you all you all you all like complement each other whatever like you all don't spend a lot ya it's good it's good


, ya so because no I'm no because a like no relationship is very important because I feel that


it it is directly proportional to your to the expenditure you know it's like ya ya it's very direct proportional like like some people when they get married their expenditures like rise exponentially the power of like eight thousand you know, then uh okay okay mat mat mat


uh living in condo now yeah ya ya ya


, like when you are living in condo and owning a tuition center it I I really think it's different like you know


like okay I think this is uh is case by case basis because there are some people like yeah like you'll can let me speak sorry sorry ya I think will be more appropriate, ya for example lah for some people like our food is justified


okay like for like they only want to spend their money for basic needs like there's some stingy people lah like my friend one of my friend called Vikram he's a bit stingy on these type of things so like he only spends on basic needs, like only got food only additional anything extra like example we say eh let's go for birthday party let's eat something for dinner like it costs like maybe ten to fifteen dollars he's like no no no I only spend five dollars for my dinner so he's like


it's really a case by case basis but for me I think it's different like I think as long it serves my needs and purpose I think anything is good lah example I don't spend on alcohol and cigarettes and all because I I feel is a waste is a waste of expenditure it affects like per day expense becomes of per month expense per month expense becomes like annual expense it just exponentially increases you know


okay okay


ah okay okay


ya I I think my is like , I, mainly I think would be, I think when going out with friends I I do spend a bit too much


like I don't control because you know there's this pure pressure like every spending then you can't be like uh no I don't want to spend then they'll be like you are stingy guy like that I've a few like you know ya like you're going up but unless it's your close friend like I have this friend called Siva like I go with him even if they give free food like he's okay with it like you know that they throw the they throw the food to rubbish bin


it's like it's okay you don't throw you can eat it as a buffet you know like that type of thing, but when you go out with other type of friends like you're not close with they tend to spend a lot and uh sometimes they they will be like they had this idea like why not we all buy our own dishes and we and we share the cost, so like I might buy buy just a one dollar mineral water but they might buy some ten dollars dish then it affects me what


I I I think should be financial advisor right like you said just now ya, uh yeah I do uh econs and finance like I'll saying that F equals to P uh times one plus I to power of N so P equals to principal F is future I is interest rate then N is the number of years


uh stocks and bonds uh no sir not yet so


oh okay okay okay


okay okay, okay okay okay


then do you uh my question is like do you think one should own credit card like examples are okay I uh our question like a student like you know going a secondary school student going like you think he should be owning a credit card,


economics and the mechanism,


ya ya ya I really agree like I I also think it's very important thing ah but like I think uh what your opinion already opened my eyes on, investments because actually I had a very bad impression investment because of my some of my scammers friends and some of my friends are very bad like their negative outcomes consequences from their investment experiences lah but I think after you talk I am a bit more


comfortable in investing so maybe I might I might actually have a meeting with you after this maybe we can meet at around twelve thirty to have a investment talk you know I might invest on there or company , ya and this called bonds right ya ya


I I think is amazing it's a very path breaking path breaking marvelous and fantastic uh scheme, because uh once you grow up like after a certain age right you need you like you do not know whether your children are going to fend for you whether they're going to take care of you so I think this thing will really help to put like a like a you know like a bag


for for a old old people ya, ya, yeah but you know case to case you know lah I what I like tenant you don't really like is his case to case sir I mean you can't you can't


yeah


nah nah we had enough of his nonsense speaking


note down ya then you so just, no if it's just they I just finish your point and need to be more five minutes you just continue and finish you point now right


uh part three negative experience, ya ya you can go first


okay no but the thing is that were you able to get a replacement or like can like like replacement would you able to get any


!huh! but then how you know is no but but it doesn't make sense like twenty KG then seventeen point five


oh okay okay okay but but if say like like maybe because I just find it like it was it too light like how do you know it's like around seventy but seventy point five I also feel is quite okay like you know twenty and seventy point five


for twenty right ya ya ya oh seventy four chicken nugget they give only three chicken nugget


yeah , ya ya ya ya then for me I'd like to say uh I have uh I think this I I only had one online experience but after I didn't that those was my very bad experience then I didn't go online at all after that already


so time I want to buy a want to buy like a blanket a blanket because I was going army that time so like they allow us to have our own blanket, so I like bought so when in the army it was like like in the photo it was like very huge it's like cover my entire bed and all lah is like you know I really wanted to buy that one because of something like my favorite film and all but wrong is uh when I got the when I got the


order back to my home actually was just the size of the computer screen so it was a big scam then we couldn't get the, ya like it's like totally gone already is like I ordered for for fan but then give me a mini fan, so it's like a big scam ah that one is very very big scam then we couldn't tracked down the


uh is it okay if I share ya ya I think I uh it was a Carousell, ya was carousell then uh it was a very big scam because we tried to uh reach through but the person wasn't there already like no contact and all the person just ghosted us away so, I feel like because it's not it's not cheap you know to buy a blanket it's not like oh I I wanted to buy some small toy and became like a downsized key chain or something I mean that's also a big thing lah but then the thing is I paid I think around like a sixty plus dollars for the blanket


so like when you give me something like you just give me a computer screen I was like a big scam already so like I really have very bad experience then the way I tries to I think the the worst part of this online thing is you can't track down the person, you can't really tracked down the person or maybe I don't know maybe is it that time it was two thousand sixteen so four years ago maybe over years they changed but that experience change my entire outlook on online to extend that I deleted the go for it already ya so that was my really really bad experience


ya ya ya because it's like totally off the limits ya it's not like twenty KG to seventeen point five it's like they twenty KG to, two grams you understand right it's like it's such a big difference ya ya then like for you do you have any similar worst experience


ah okay,


ya ya ya


but then deliver time also important mah ya, or or toner as in skin toner is it


oh what business it sorry when ya what business sorry


oh scripts same same oh okay okay okay ah okay


uh


, then uh like I want to ask you like example the , like for like how did you gauge a thing it's a negative product experience for use is it more on the product quality okay example the product they give you is very good I mean there also example not good like really very rubs like not so good at all but the customer service is amazing the person is like thank you so much you they really take the effort to do stuff for you


priority is like I mean like the the skill that we use to gauge the experience whether is positive or negative predominantly is using the quality of, product ah okay okay ya same same same


ya ya it's important also ya ya ya


no but the thing is uh you all couldn't ask for a refund or change water or what is it because it isn't it unfair like you all pay for it, no but if if like stuff like this type of hygiene where they don't want to change your blanket isn't it uh this this like basic requirements ah


is zero point five star is it okay oh oh okay because, uh I I think from


uh sorry ya for me I think would be uh that time I went to argentina, I went like one route to south america like I went to brazil argentina ecuador uruguay USA canada and we even like one entire trip to do filming


like we want to do a documentary film so that time what happened was I think I I didn't have a good experience in ah brazil kay per se is because uh yeah because the hotel I think per se is because they allow, I I don't know whether is it they are not able to control but there's this like they just allow people to come in and steal stuff from the from the customers and they say you're and the people like the security also don't do anything they are like then when we go and complain they will be like oh you're not uh you just give them whatever money you have


then I'm like !huh! they like they will be like the security isn't good then secondly the water that comes out from tab is uh yellow in color so I think there's this problem because we, singapore our stomach and our our endurance of our stomach is accustomed to a particular water quality right like there we need to boil like other countries when we go we need to boil the water only you drink the mineral water but the hotel doesn't provide mineral water at all and actually by right we went to a very good hotel we went to a good hotel but even they don't provide


ya ya, and secondly I think safety is important you booking the hotel for safety what ya so they allowing the robbers to just walk past you and ask like they say anybody might just come and attack you but when they attack you just pass whatever money you have do not like because we went during the world cup time


ya so, ya is extremely bad because security is not there then there's a lot of tourists during that time like who went to who went to uh for the world cup time you know in two thousand fourteen so it's like their safety wasn't their hygiene wasn't there then like even the ventilation wasn't there so like it was almost like you go you pay for nothing


I could have just slept in the streets and the experience would have been the same so I think that was my worst, it's the worst of all because the crime rate was also high lucky I was a guy ah so like when they offers guys so everything was saved but then really was very different from singapore is like total opposite yeah so I think that was my worst worst worst experience for staycation and wise


yes yes south america okay I mean brazil is part of south america thank you


ya I mean if if if if that's the case they shouldn't be advertising you know because I think when you advertise a product you hype it up so much right the expectations will rise up then you work because if they didn't they didn't hype up or advertised we wouldn't even have gone to that hotel ah, I think I think that also plays a part whether you have a negative experience in a product because


oh no uh based on our review they ya like uh the insider information was they actually they use their own people to give them good reviews, ya ya they have this entire scam thing going on I think it's it's just part of like hotel management business during the south american diaspora because the thing is uh where when we went there I think another factor that plays into whether you have a negative experience and positive experience is your expectations when you go and experience it


cause if you hype it up so much there going to be a lot expectations if it doesn't meet your expectations it is a negative experience what so I think that also is another perimeter to gauge


!huh! oh,


okay no for example my question is like you said this type of stuff happen right so like it happens to you but how would you caution people not to use this product like how do you like which way would you caution them word or mouth online social media or what


there's the random shocked some of them ya


, yeah, but example your your weighs just now you were saying that plate thing that twenty KG thing how'd you did you caution anyone like how you will caution because I didn't hear it from you till today


uh I mean that information is not needed but ya uh, uh no I wouldn't want to know then uh so


ya uh maybe I'd like to talk about , (hmm), what's the perimeter to for you for disappointed


oh ya ya ya ya I oh uh I yeah amazing amazing thanks things uh I , uh I mean it shows that sometimes you do think of a very useful things uh thing is because my laptop there is this uh the I I purchased it in two thousand eighteen the year of two thousand eighteen


suddenly because I use it a lot for all but my my laptop is not uh meant for those high high intensity software like adobe premiere pro adobe acrobat adobe uh after effects and all so I use it a lot but the thing is the keypad uh the in the keyboard the letter a and the one and caps lock I can't use it


so the thing is when I went to fix it to them okay sorry, uh I mean I said earlier two thousand eighteen ah so now is two thousand twenty so it's two years already so I think if you know how old is it so the thing is uh when I went to fix it they say asked me to go to the uh when I went to fix it at the #toa payoh# branch this because initially when I purchased it they say any issue come to the #toa payoh# branch


when I went to #toa payoh# branch suddenly they were like oh no you need to go to the main main thing at clementi industrial park, uh sorry sorry Siva you are oh okay uh so, ya so they ask me to go to clementi industrial park, but then when I went there suddenly they were like oh no you supposed to do it do the repair at #toa payoh# so it's like they themselves don't have any like proper link and uh a good like communication barrier so the thing is it makes it hard for consumer like me but the thing is not everyone is going to have a negative experience like me


ya so the thing is I even if I go out and say to people oh no don't buy this laptop it isn't going to work ya so it's like a really a case by case, ya sorry


for another example laptop recently I think bad experience I have was, , I think my luggage luggage luggage yeah because I do booking uh, uh (ppc)


ah never mind uh ya so Siva I'd like to speak to you uh ya so when I bought the luggage to book into my hall so uh when we near to book into our hall normally we'll put everything at our luggage and bring it up and all but the thing is , uh the amount that the luggage stated and the amount that I put in uh it were the amount that I put in was lesser than the amount that was stated in the luggage barrier lah what while I bringing it to my hall to set up my entire hall with the clothes and hanger and all


so the thing is it didn't it couldn't carry the thing the luggage just getaway to all the clothes and all so it wasn't it was very hard for me, the time because uh you only allowed to book in during this COVID period you're only allowed to book into the hall once in NTU so the thing is once my luggage getaway I really didn't know what to do already so I think my negative experience was that


because a luggage is supposed to be the main, ya main thing that helps you when you book in the hall right like like anywhere hall hotel or what so when the luggage the even like meet that criteria that minimum uh weight criteria I think was very hard for me ah as you concerned because I paid for that mainly is for for them to carry my stuff ah so I think that was a very bad experience ah


(ppb) ya ya ya ya it totally deny yeah thank you, ya


positive experience


uh do you want to start first or I start first okay uh, so I'll speak about my I think my like consumer product that was very good experience lah I think I would say uh the food place I had in this place called clementi in #al azhar#


okay so why I want talk with it is because I think the I think most of us we work, we work for this main commodity food okay like most of us do it for food at the end of the day we want to eat well you know like you want to live well and also eating is very important for me I think eating very uh like I need my value for food the money is very important


so I think there why I felt that the the product service was very good because firstly the the service by those waiters and all was excellent the food quality was amazing okay so like I feel that that part was like my very very positive experience in products wise ah especially the ingredients was very good


so like the food that they give us you know because normally I think in singapore wise the indian food quality is not very good, like I feel you know like sometimes I go like my school and also I don't really have a very positive experience so when we get this type of good places right I think I tend to like really appreciate it


exactly like for you do you have any like for you do you have any, like for me and I got a few ah but I would like to you know one to one like I have one with ya


ya ya


, , ya for me I think very good product product service I had was a I think the travel and tourism sector


kay because I uh like you know it like uh I've heard all of travel horror stories from other people lah like you know when they went there the person was supposed to pick them up is not there that car service is not good the person demanded more money than actually it was stated in the contract you know , so there was once I went uh for indonesia trip under one airlines company I was uh more of a private sector like they just started it up the it wasn't you know those well known


airline areas you know so we went there it was amazing because the taxi driver he he could speak uh like I think ours was a indian family ah you know so the thing is , they make sure they put someone who was like , catering within our needs like he'd he would actually take the effort to speak in our own language you know a few words or that


uh he will bring us in the car like he brought us very safely back and forth, any timing like he was adhering to it then the places that he brought us like he really took the effort to plan out the stuff then also there's like ladies and also everything was very safe I felt that it also bang for the buck because like whatever money we spend


they make sure it adhered to that it's not like uh you need to pay more than that and all like you know because a lot of airline airlines like uh) when they bring them bring the tourists and all , I like my my friend for example they said that the taxi fare will be only around five thousand bhat for that few days ah but at the end of the day the taxi driver was like want you pay like twenty thousand because there's a markup price some inflation then they were big shocked and for me I didn't have any experience like that so I think that particular tourism package that I went


was amazing because economically it was viable and also we had a very good time, so I think there was my positive consumer product in that travel tourism sector, uh for you sir anything


, excuse me ya


oh okay, okay okay but then like example like when you were saying like you went you went to this this brew coffee right ya because at the start uh maybe like when you just went there to drink do you often you go there often or what


no but but this one like you're you're talking right is it just the product is good or is their service is good like do they like cater to you, but uh


what what I don't get what you saying by experience like because I think I think everywhere they going to give you a good product and good experience I mean good service ah like starbucks even you can


no what's so special about them that starbucks don't give


I always like economy low economically more viable for your wallet lah like you know at the same time you get a Starbucks experience ah but at a cheaper like for us right


oh kay kay kay kay kay okay, but is it like is it like strategically located in a place that everybody can go to or is it like well location is also important right like you if you're going to tell me like some place I need to really go find I also wouldn't find I rather just drink coffee at my home one


ya ya, okay so I'll like I would I would like to share my experience on the like uh something in the uh health and wellness that


that section ah because uh the thing is I I I'm more to the like very skinny side you know so like you know there will be people like ask him go for gyms and all so I always they have these like inherently complex that if I go gym right there's a lot of people like they are more well build more bulk more strong like more bulk and stronger than me so the problem is right


I I go there I'll be like a bit like uh like looking around a bit, you you understand what I'm trying to say inferiority complex ah like I'm more inferior to them but the place I went through this this this called #toa payoh# gym right it's a SAFRA in #toa payoh# #toa payoh#, when I went there the experience was very different it's like people don't look down on you and actually people actually share tips with you they actually take effort and they are like not like uh my impression of this place was totally different because my some of my friends that they say when they go they will be like people commenting on their size and all


like their physique and all is like why this guy coming coming to gym just go out and all like they'd be booking likes making some personal digs so like uh so the thing is uh like example when I went for this gym I think was totally different because firstly the price was, was very good like was within my like my budget like they didn't ask us to pay a bulk secondly the people there the service was amazing it's like they always smile to you might I I think is something like what you said the experience


maybe the gym might not be like very porch very air condition very like high class equipment the equipment is just nice but I think the people there you know sometimes it makes a difference like people when they smile at you they take effort to like interact with you coordinate with you to your your like cater to your needs right I think it makes a whole new experience because I think it's not only about the economics of a particular product or service but I think is also the


experience and the way they execute that service to you, ya ya ya ya


ya ya ya ya ya


, no but I also think it makes difference that not everyone is like that so when someone takes their effort to to go to extra mile to give you that experience right


it turns your it makes the products more special toward to you it keeps it more closer to your heart like you said that coldbrew coffee is like there's so many I'm I'm sure there's better coffee out there in the in singapore or asian diaspora but then , it keeps close to their heart because they take the extra effort to like make it like a special experience for you


, I I think will be will be my again sorry something something like what


, oh I think will be my camera that I bought from Courts , okay I bought it at the year two thousand thirteen when I was in poly, so but right actually that camera is not supposed to last for more than three years because normally camera lifespans like you keep on changing when you use it because I used it a lot for my short film thing you know you know like we used it a lot for short film so you got in the heat the hot sun near the water you go to a jungle outdoor indoor locations and all it tends to actually deteriorate in value over the years


so the thing is uh but but surprisingly it's holding on for me for the past six years amazingly the quality's is there everything is there then also I think the good thing in Courts is when you go there to, I think uh I have this experience where I bought a video camera and most stuff ah


when I went there to repair and all they will be like uh actually what I came to know was like when you give the video camera they to repair they actually don't repair they just replace it with another video camera and pass you so it might actually have another problem and give you because uh one of my friends was working there so he was telling me the behind the scenes scam that they you know they do and all


so uh but I mean it was quite long ago I don't know whether if they continue it now but then when I went to Courts I think the they really took their effort to actually dismantle the camera and see what's what's wrong with it inside then if anything wrong they would actually make a call and repair on the spot like it's not like you know they like oh


ya it's like oh I just look at you like you just bought one product maybe it's not as expensive as someone who bought entire TV but no they actually give equal us like service quality to everyone ya you you do you anything


ya, but then some of them I think they have this like wrong impression that as long my product is good I can do my service anyhow because people aren't going to come and like purchase the product


uh you maybe uh I think uh yeah I told you so I think uh never mind I'll speak of something else uh, uh, uh I think clothes and shoes and accessories


ya I I think uh the thing is people I think they have this wrong wrong thinking that you need to purchase from very expensive outlets to like get the entire positive product and all but I think sometimes


uh maybe H&M Abercrombie and all you know all those in those city area town areas like somerset and all you know like this franchise, yeah well known brands ah like those franchises and all , but I think uh why for me I think like sometimes I would like to support those uh you know those young students who just came out from blade then they poly and they open up in those bugis and all they open up those their own kind of cloth


clothes and shoes accessories and all they open up their shop I think it's good to support to those type of people because they really like I feel that they give you a price that because they're students so that they understand our economy and all, you understand right that they know how much we are able to spend for clothes like we can't really spend so I think they always do stuff that cater within our