thanks to my insurance I was able to carry out the second treatment plan the more expensive option but safer but it's definitely a lot more expensive because every eight weeks I'm coming up with about three to four K, ya but after insurance claim and stuff like that and the remaining being paid by my MediSave


which is about two hundred three hundred dollars each time that, zero dollars out of my pocket so that has been very positive for, me ah ya, what about you Hasbi


ya for, for me uh ya lah I understand that insurance I I agree the terms because I read through the policy details and I still don't understand what is being said so I that's why I had to approach the insurance agent I mean


every year I renew my, policy they take a certain cut of it so I guess that's their that's their job ah to to brief me so that's why I I I keep I keep asking them uh stupid questions so like, I think they they phrase it very very


like accurately succinctly it's more of, in terms in case of disputes in courts lah that's that's my personal take I I not sure myself and then for my experience I I also wasn't aware my parents wasn't aware of how to activate the insurance how to claim it but then when I when I got discharged from the hospital then


uh I asked the nurse how to go about the bill and stuff like that then I went down to the office and they discussed with me then they they just said that, you know we will send the bill over to your insurance, and claim from them, and then you will receive a final bill in, two three weeks time


so we were like wondering like okay so do we need to pay anything at that point in time then they say no you don't have to just you can go home and rest ah so then two weeks time came and then come the bill final bill mailed to my house and then that's when I saw that ninety percent of it was


covered by my insurance and the remaining ten percent was covered by medisave and at the bottom I saw, uh final uh amount, required for my name it was zero dollars so yeah that was that was my experience ah, ya


ya , ya ya


oh yes accutane


, , oh ya so for for accutane uh I have a love hate relationship with it ah because when


when back in JC where uh around seventeen eighteen years old I have very very bad pimple coming out like it was uh cystic kind of pimples it's not the normal spots one it's big and everyday I remember waking up to a new pimple on my face and there were times when my pillow cover is just


uh soaked with blood because pimple popped, when I was asleep because I sleep on my side and stuff like that so then I tried all kind of facial product face wash and stuff like that, uh I read up on the internet and stuff like that then the situation got, worse more worse lah because I keep changing my face wash


and then after that uh I heard from a friend our our mutual friend that, ya I I should go for accutane since my my case is quite bad so I went before that I went to see a dermatologist gave me some cream I've to put like five layers of cream and leave it there for the rest of the day and that was and that was really really very annoying ah because my face will be like very shining throughout the day in school


and plus sweat and stuff like that but I cannot wipe my face I have to leave it, on for the whole day then after that, I heard about this accutane uh it's a pill tablet that, that is that we take uh, so I went to the clinic see the doctor and stuff like that so after I think about six months of taking it at the start it was it was hell lah like your face just dried up a lot


your lips just starts to bleed cut because it just it just so so dry and I I couldn't smile because like there's something holding back my lips ya, but at the the end goal was met lah like, the pimples stopped until today I I don't use face wash anymore cause I'm I'm scared ya and I haven't had a single pimple although once in a while like maybe once every two three months there's one that come


especially now we keep wearing face masks right so I I I had one here ya but then, yeah so I mean the love part about accutane is I stop having pimple but the hate part is that, uh doctor suspect that my condition might have been caused by accutane ya but there's no it's just a there's it's just a coalition where people who take accutane tends to have my condition but there's no causation


ya so the doctor didn't say that, that that's the cost of it lah but I don't know looking around my family members and friends now that I have my condition so, and none of them those that most of them don't take accutane so maybe it could have been ya


could have been caused by it I don't know, positive ah ya ya I, ya sixty percent I I still tell myself that my condition is caused by something else ah ya


ya next question so uh about about travel uh remember about last year I think in june we we went on an overseas trip together both of us with a


group of friends so uh how was the experience like for you


ah brings back memories, ya


, ya for me, for me because it's uh, I mean I I've been on road trips uh with my family before when I was growing up you know drive off to Malaysia uh all the way up to KL using our our own car singapore cars and I mean compared to travelling with friends it's it's a very big difference ah


because when when we traveled in uh Australia that time uh all of us were young we were all energetic you know we there wasn't a need to , sleep eight to nine hours every night and and then like we were a lot more spontaneous compared to my family my family was very very rigid you know like uh so their planning is like when we reach what where are we going to eat where are we going to pray and stuff like that and then like uh there's a lot of breaks taken


and so like when we road trip up to malaysia even the views were like not very it was it was nice but it it wasn't it wasn't like, eye eye-opening in that sense ya it's just plantations and stuff like that ya but then when in in in australia I remember we drove down uh at the mountains we saw snow and then we drove near the coastline also and then you can see the sea just like the vast ocean just endless


and stuff like that then, uh also when I was with my family people get tired very easily because my grandparents were there my parents were there and like they were not keen on exploring as much as, going with compared to going with friends so like with friends is more of there's a set of planned itinerary but we didn't really stick to it right remember


and then like and then a lot of things that we read up online actually turned out very differently for what we experienced we you remember the twenty minutes uh bumpy ride and then out, ya and then


that one part where we had to drive into a cave ya and ya these all all these experiences were I I will I will remember it for life ah it ya that's that's that's something which I really like about travelling exploring and being very local so like we eat in we buy food from petrol stations


ya and we meet even we go to like those very small towns to refill our car and then we buy food from there interact with the people there ya so all these experiences is a means a lot to me lah I feel it was a good trip lah


ya, ya like like, like like comparing it to my family trips my family trips emphasize a lot on comfort so like we have to stay in hotel you know there must


be breakfast in the hotel and then uh during the road trip, we cannot like squeeze in you know we must have, uh and then the road trip between stops must be like must be uh must be there must be a lot of breaks you know because people get tired you need to stretch their legs need to go toilet and stuff like that but then like


for when when we when I traveled with you guys it was it was different lah we just spontaneous ah like we we drove for like three four hours without stopping, and then be like eh guys let's let's have a break because I want go toilet and then we stop that kind of stuff ya, I guess the energy level is plays a big role lah and then we we squeezed in the car


and airbnb also we share beds and stuff like that so, good experience and then some there were nights where we just ate instant noodle for dinner something which my parents will obviously be very against ya


very positive I I hope this COVID situation subside then we we can go for another one lah before we all start going on our separate path to work and stuff like that with different different schedules, , ya


yeah go ahead


for me is uh brown sugar milk, ya uh hundred percent sugar also, ya and actually, my my my friends and family will always make fun of me for taking hundred percent sugar cause it sounds like


I'm addicted to sweet things right but my brother actually told me this like if you think about it hundred percent is the actual amount of sugar needed is not two hundred percent is hundred percent, so that's why I take hundred percent to take the full flavour of the drink as its intended you know


yup the pearl, the pearl the pearl adds a lot of flavour ah for me, but it's very expensive ah ya it's like easily four four five dollars it's easily the most expensive thing on the board lah


, okay lah once in a while splurge pamper yourself I guess is okay lah


yes (ppl) I wanted to buy today actually, (ppl)


okay you want to go first or I go first


so I think my investment strategy is still it's actually the, let's go to like the basics I I didn't I don't really have a very big investment strategy but then like I know what what we need to have at first so I think we need to set aside


your uh your discretionary income first so basically like how much your spending, after you minus all your necessities your your bills et cetera so you need to mean like how much money that you can, invest you can save and you can spend so of course you need to once you properly set aside then you can determine like okay how much of it like you want to go into like savings how much how much is it you want to go to investments so uh investment of course you don't typically don't put uh all your eggs in one basket


so you want to for me it's that's that's how I do I want to diversify, so I invest in , equity fund so I think it's a, it's it's more of a mutual fund actually so uh it's under the sharia law so uh


it's more of a monthly basis uh fixed amount so that's like a more of a safer, route for me rather than uh I think I don't really have a very high uh what you call this uh risk appetite so I think that lead leads up to the second part ya so of course like in the future like


I want to, do other things but the thing is now I'm still like still exploring my options and , ya so I would consider like also like , call this insurance as a part of investments so that's like investing for your health well in case of a rainy day


like uh ya so that's one of it also and then savings for like , you know you want to what I'm trying to get is maybe up to like six months of savings uh so that's like uh in case of emergency let's say you somehow you got into accident or maybe cannot work one thing cannot get at least you have six months of money to to sustain yourself or anything lah so you won't be in debt and suffer that ya


that ya, ya ya so that's that was the the target lah so , but of course like it is not it's not it's not, possible to actually just reach that point immediately but it's so it's a time to slowly build up lah


ya, ya


same same I I think like but then I'm the thing is, uh for me is maybe I have a higher risk appetite but it's just that I lack the knowledge, or the time to actually find out about this so I that's why I I rather play safe uh


and just like you know do something which is more of the medium side , ya but not not too not low either, ya because I mean like now we're still younger so at least I, think we we we we can do a bit more you know uh risk a bit more


yup I I agree , okay I think we can, maybe talk about, ya you can proceed number three, so I think this one you have you have experience with trading lah


how how do you decide like the system or rather the , or platform to use you know I mean there's there's so many out there like how which one do you know like it's good or reliable


ya I think I think I think that one is like uh you know like when we on the way do an investment things like question kind of something like you know you have to sort of do some analysis try to find out what what exactly you're investing in what's the portfolio is like who's the broker everything those type of things


ya so I think that's that's the part where I think I'll be lacking in like to find out all these things so uh that's why I maybe like we move on into a bit more but uh my sort of preference would be to go to someone to actually


uh invest my money for me I mean like that might not be a , that might not give the high return but I find that because I don't have the time or the knowledge to actually do it I find it's uh like, better option for me so and some more you will have the option of like you know someone who's already knowledgeable in the domain and also he the person the financial adviser would also want to grow your money because I mean they will earn some commission from that so uh it's it's


people might say it's conflict of interest but I think it's not really a conflict of interest because like really both of you have the uh the intention of just growing money right, so if we ya if you grow more money they also gain so I think I think that's fine I don't mind paying a small sum to to whoever's like helping me to do that ya so I mean that's


, that's that's my way of like, investing ya and like this ties in with this , what what you call this (uh huh), yes yes yes


discipline , time uh time time and effort ya that's why


automatic automating, investment uh for


so you don't lose so much ah you don't risk losing so much, , but but how do you sort of like uh monitor your performance like has has it has it been always a good like you know like okay let's say let's say if you have a uh seven or like


a loss like two percent every single day I mean you do this on daily basis or is it a monthly basis, this FOREX okay so, okay so if day in day out then like how do you monitor like do you overall have a profit or the platform provides you with this information or ya


the pandemic the US trade war, so actually when uh okay that one we can tie in nicely with the maybe the time the market you know


like like, if do you speculate, and you know if let's say okay trump got uh, uh the corona virus and then, uh do you straight away like you know ah okay but I think this one the the market's going to do bad badly and then like you you start selling and stuff like that and


yup yup I agree with you


yup I think I think there's a there's a reason like you you do a fixed also like, , it's it's less of a risk lah like what I said lah I mean you don't know how high and how low so uh but so this is this is what I this is what how I invest actually I I agree with this dollar cost averaging so rather than putting lump sum I just do slowly okay every month I put in like a certain X amount of money every month just keep it consistent


ya ya and so far I mean like if you, ya I mean there's there's up and down but if you see the moving average price I mean the it it it does it does go in your favour so I think, uh that's that's quite safe option ya


okay I've I've I never had any experience with options and I think like like like yourself I mean like I'm not willing to, uh go into this I felt it's because like, if you don't have the or knowledge and, uh


knowledge and also I mean more knowledge ah in in options and stock then I I feel like it's almost as good as like you just risking and just gambling like without any calculated risk


ya like like we will always hear this term like the house always win I mean that's the whole point the that's that's that's the whole point how casino casinos will be like will still exist you know because they are the one making money ya I mean there'll be that small like, maybe small percentage of people who's able to like you know beat the system and stuff like that but then in terms of like you know


the majority is like they'll definitely be losing in the long term lah so gambling and investment is different ah I mean like investments is also a long term gambling is like you go there you would play one game and then that's it you know it's just very short term


ya uh ya options okay never mind how do you recommend a student okay ya that uh I'll like to know this, , no no but for for student for student ya what how do you recommend them to start on the investment


yup agree uh they have they say but it's a setting mah


uh okay I'm stock market is your so you you think that it's it's the economy, , okay I mean like maybe maybe I because I I I sort of like read up on this and,


they sort of say like nowadays uh okay because all this uh s and p five hundred, all the uh companies uh let's say just talk about the maybe the the big five companies lah like uh the fang so Facebook Amazon uh Apple uh


!aiya! all this Google and stuff like that, so time's up is it, ya okay ya so uh ya so this this companies actually they benefit through this and they are the the ones that actually


make up the biggest share of the the stock market now right now so it's like they are the ones who's are never in chronic and they are continuously increasing like jeff bezos are like increasingly like increasing his network during the pandemic so it's like, even though the


even though the economy is doing bad everyone is like unemployed but the stock market is doing well like I mean like if you look at the maybe the last few months I mean it it did increase, even during the pandemic so it's uh has maybe let not there's no correlation now so


part three negative experience


okay negative experience, I I I have one like okay I mean like one of the, uh, annoying thing especially now during the pandemic it's it's


uh so I I'm I'm I subscribe to gym right so we have we have this like limited uh capacity kind of thing so uh, you know it's like it's like you can only make booking forty six hours before and it's like everyday it's like you want to book a session you need to you know fastest fingers first


ya so at the start it was so bad it was like really like it's impossible, and then like uh, uh that was like the easing of the lock down so I think during lockdown there was no gym by then like once they, I think phase two, they start to open up gyms again, and then ya that was that was quite a bad experience


and also like, it's it's so troublesome it's like, , I mean like you will have to wear mask in between sessions it's like you are sweating, and then you go it kind of you like imagine you go after treadmill and after that you right you sweating and you perspiring everything and then you wear the mask and then you have to move somewhere else and then like it was just like trying to breathe in your sweaty mask so that you know it was like it was like horrible lah but then I think like it's it's


, #bo pian# lah I would say you don't have a choice, okay uh actually they don't have restrictions on that so in the in the toilet they don't they don't have restriction on that but then they because they limit the the number of people that can enter at one session at a time so they sort of maybe sort do some


some analysis or some time study or something like to see like how many percent of people are at the side of gym shop and how many percent of people are normally in the in the changing room so I think they sort of like find it's a good balance it's it's not it's not crowded in the in the in the gents lah so I think that wasn't that wasn't an issue uh


but then like some facilities like you have to turn off like the steam room the sauna that kind of things like they don't want people to be in a humid room you're confined, ya so but you are still paying the same amount money for lesser services so I mean I mean like I mean it's kind of uh unfortunate but


ya


okay, booking oh okay how long is your time slot


in the in the also actually okay , can can you imagine like the mask like the the front person like really flew off, like the mister bean , when when you're going to buy you'll be like


oh okay I see


very very very obvious is it, logo okay okay okay I get it ya, (mmhmm)


confusion ya okay, ah ya ya ya ya I see I see


they remove it okay


ah, okay okay ya, uh no okay, paid paid reviews is it


(uh huh) oh okay you and your fairy lights


okay okay I see


ya there's this that's I I I went for this Shopee coding exercise , it was it was actually on this problem like they are Shopee is like trying to find hard to trying to fight all against this type of sellers who


who have all these uh fake reviews and stuff like that so ah ya so they will have the employee you have to sort of think of a solution to us how do we mitigate this and then like , we need to use like machine learning and AI to actually solve it lah so, you can say like a sort of trends like you have the data and then you can say like okay this person created an account and immediately like posted like maybe


few reviews and then after that like oh just just for this for just for this uh uh seller only so you can sort of filter that out and ya that's how that's how they actually solve this, so I I mean like maybe back then ya it's not that not that apparent but now I think


that's why shopee we don't in in shopee we don't really get this problem uh that much so I made they they take this thing very seriously I don't know about the other ecommerce platforms


ya that's true ya sure I'm not too I'm not sure whether they really screened or not


I think maybe they screened like for vulgarities and stuff like that but then like in terms of how legit it is I'm not sure whether they do that, ya, uh second held second-hand stuff


so far actually didn't have any bad experience with carousel despite like it being having a bad reputation for like know maybe some people have bad experience like getting bad products second-hand products that doesn't work anymore


oh ya have have you heard about this the Wish Wish dot com or Wish ya the the that's that's the ultimate ultimate scam, ya I call my dad to delete the app


uh because I think they they they what to call this they have aggressive marketing so it's like they push out all these advertisements in like your mobile phone then you get it's like until everyone knows about this Wish because they are so aggressive in their marketing


that you always get those push ads, and stuff like that , back then ah now now I think people are more aware, uh staycation describe your worst uh, holiday uh, ya I think you mentioned yours is it just now


, okay


okay


oh okay, oh no


I'm sure I've bad experience, so but then like how do you decide like, , what what are the things that you look out for when you, book your thing like is it like location or is it like the reviews and stuff like that


uh uh my my my my my tip is always to look at the bad ones they will tell you like ya it's always look at the bad ones like how bad is it and then like from there if, everyone says the same thing maybe everyone says about the flush then definitely you know like oh the flush has problem and or the bed is dusty


if you have you see like repeated comments ya so the good ones sometimes they don't have issues with this maybe they stay one day or two days like they never even use the toilet that kind of thing so uh they don't have any issues or maybe their standards are just low and stuff like that, ya but if if ya so always look at the negative ones first and then see how bad it is ya


the brush


but it stopped they stopped it right


no as in like they they stopped producing it anymore right uh oh okay okay okay they still continue


you you couldn't get like a uh there's like no warranty or is it like warranty finished or it like there's no way to repair is it, ah okay okay I see


but it's manual lah


oh okay actually it's usable lah ya, to uh not use it eh, okay


ya, uh electronic device uh


okay actually don't have anything for you already, device how do you question, I have a lot actually but then like I can't I can't recall what the things are that are bad they're good actually


that that that, okay uh my smartwatch in terms of bad I had it okay over time it just starts to get slow and sluggish, I was I'm using the Samsung galaxy but it was the first galaxy watch so I sort of kind of anticipated that was sort of this teething issues and it it's slowed down after sometime of usage lah I mean like maybe about about two years already so it kind of slowed down now but then like


I mean I I use it I use it I don't use it like so much like and the handphone but it it's it's it's still serves it's job lah like I use it like to track my heart rate exercise workout number of steps and time so all those are still working but it's just like when you want to navigate a bit like sluggish ya


(mmhmm) (ppo), okay so time's up (ppl)


part two positive experience


was this the iceland trip


area that you're at lah ya okay


what may I know what insurance was that, okay chop ya


it was a silver lining amidst all the


okay that's that's good


I I think it really it really depends on uh maybe where you going uh depends on how long duration and how much you're spending on the trip itself like let's say if I'm just going to malaysia, I mean like does it I mean like yes you can took insurance but uh it doesn't justify like the amount of insurance that you want to get ya so uh by the way long trips I would definitely recommend like doing it I mean like there's so much at risk you know


ya so really depends on what type of travel where you going like that that's just my take on it if I'm are going somewhere nearby maybe not so much but if I'm going for a long haul trips , ya above a certain budget ya


I think so far we if want to talk about insurance uh thankfully I didn't have any process that requires to for me to claim, I think uh ya no okay, okay let maybe I'll talk positive maybe let's just talk about education and training so


, good service so positive experience ya so , so I I left my industry like you know I left my industry in engineering to actually pursue IT so it was it was it was like a


quarter life crisis you know trying to I I I felt like it was like very stagnant and I was like I was doing work which is , which which uh not really stagnant lah but then like I think I deserve more so, but then like just the industry just is unable to you know like uh provide you more so I find like uh it's already very saturated and stuff like that so I I decide like okay maybe pursue my interest also which is in IT


and thankfully there's this uh, WSG the I just us attach and train program, so it's with, the, it had the the aim is to provide a


platform for uh working professionals to convert to different industries like so like myself I want to from engineering I go to IT ya so I took up the course in cyber security, and I think was a good really good it's really good


thing to have lah especially for, the government to to encourage this, uh and, like I think without this it's a bit more it's a bit difficult for for myself to actually have, for this uh training or to actually jump the jump the ship because if I want to join the uh IT industry


like yes maybe I have maybe I have the skills but then I don't have the qualifications so it's uh so the companies will want to see those other things so by having this at the same time they actually sort of give you allowance so I say like okay why not I mean like even it's lesser than my pay but I'm willing to do it because you are


getting you're getting training it's it's a sort of training as in sort of investment also and same time you're getting allowance so I find it's like it's very value and ya so I'm in my the new industry now at I'm really thankful for it lah and


and also and like we can bring it together with like especially this pandemic in this uh pandemic moment so like, , the the the government has been encouraging to to have all these trainings and stuff like that so to upskill so there's a lot of skills where it's not really quite I said like essential essential services are the uh the one that's like required now


so uh Ecommerce is one of them so I think people have to sort of they're forced to to take up new skills like even like IT skills like they have to like learn how to like use the you know know all these zoom and stuff like that so you can see like our parents are start now being a bit more uh


electronics uh literate uh ya so so ya it was quite interesting like also I like seen like cases like those very elderly people like using all these technology which I think prior to this they don't have a reason to but the like, the the pandemic like sort of forced them to actually use all these devices and gadgets ya so actually quite heartwarming lah I mean like you because


from like let's say uh I have friends who like say like they don't they don't really visit , their their their grandparents but with , with all these like they're forced to use zoom and then like they can have more reason to actually uh communicate with their elderly their grandparents and stuff like that


so it's quite that's quite good experience


nice dining experience what you confirm you have a lot, , oh ya , , okay let's talk about noel


ya, oh yes ya ya ya ya the the the malay guy right ya ya he was very attentive


ya ya


we we rarely get this kind of this kind of service right I mean like I I find that it's like very I mean pleasant to get this type of services I mean like of course I mean you're going for KWG it's a bit more pricey but then like it should come with the service like maybe you go to


you go to some other maybe you pay a lot of money but then like I find like you don't really get the service uh as as as good as that, right and like, I I like that they're trying to, be attentive and to cater to your needs and try to you know assists you it's ya


I see I see I see so wait do you do you think that, service uh tipping is, will it bring out a good thing or will it bring out bad thing


get one more okay ya I think that's nice, I I think maybe uh not not telco per se but then like I had a good experience with


what they call this DSB uh DBS I don't know lah I think there was a recent problem with my card recently I had not recently but maybe couple of months back then so I was trying to make a withdrawal but then like suddenly the the card would decline and like there's there's there's money inside but then like why is the card not working


so I just have to go to I have to go to the to the POSB so I like, at first I queued up for like to enter the bank that kind of thing but then like then there was like the person like a usher or someone's that you or their customer service and all telling me also what's your problem and I was telling her like okay so the problem is uh my card is not working and stuff like that so actually she pointed me to a


uh automated machine thing and it was like a separate place so I didn't have to queue up I didn't have to go to the counter and stuff like that so it was a a small room and then you had like a uh like a a ATM sort of ATM machine , and then like there was a screen in front of you so the screen is actually a a video call so it's a video call with uh customer service and it was so cool so it have like in a cubicle and then like and the guy was like trying to uh help you lah so like just like I told the guy what's the problem through the through the webcam


and then uh, so everything was very fast like okay just do this do this do this do this and then straightaway at that moment I just got my card so I was expecting like maybe it'll take sometime and stuff like that but, it was exceeding expectation ah so it was it was very good because it was very convenient it was very fast and then like I like the fact that you don't have to go through the hassle of you know going to the counter you have your own cubicle and ya it was very like


custom or like very personalised ya that service was good, ya I will say I kind of quite impressed, ya uh DBS POSB and that was the POSB branch POSB branch at #paya lebar# at the


singpost ya singpost so like I think where you can like do like apply for new card and stuff like that right it's all through that system and then like you'll get the card immediately like it's it's dispensed through the machine


uh positive experience


oh okay no minimum spend ya, I think ya I think Ecommerce nowadays have gone a long way there there's no issues I think for me like uh so far there's I think if there's any issues that's probably it's like the issue with seller but then like in terms of Ecommerce I think everything is like


they got the system down lah, so it's like uh maybe there's no issues I think it's fair it's fair for the seller it's fair for the buyer


sports ya, ah yes yes yup yup yup yup


ya and especially now maybe like during pandemic was like risking their health you know trying to get all their necessities ya so it was I think I think it's quite good


but your options are lesser


I think I think this one the silver lining lah in the pandemic lah it's like there's more demand you know I think things are being more competitive it's it's better for us also I think maybe it gets a bit cheaper like last time maybe like delivery yes but then like it's kind of expensive but now it's it's it's affordable lah I would say that


same day ya ya ya but I think they have like high demand and I I'm not to sure lah but then ya probably


some logistical ya ya, otherwise they'll be losing out right like people like want it like now with the ya people want this what you call that uh immediate notification is it ya


ya that's true ya, , open to ya ya ya ya I think that's it's good thing also, I


I think it goes both ways I mean like you got to sort of gain the trusts first I mean like your perception at first maybe like uh don't know whether the quality is good and something like that but you have to try it first ya one time okay I think time's up okay let's stop


part uh you part one finance ya


okay uh we start off with the first one what is your investment strategy how do you plan your investment portfolio and how long is your investment horizon


ya I think I'll just go for for my case right, I have one eh two two plans actually two strategies one is long term and one is short term for the long term I think you you you know that I I buy and sell gold bullion


ya because the that is for a long term because the gold price is quite volatile when the market, is very it's it's very bad when economy is very bad the gold price will shoot up


and when economy is is good the price the gold price will will drop so when the economy is good when you have the money you buy and keep more gold so that when economy is bad like for example now during COVID you can use it and sell and make a a good profit ya that is


for for the long term for the short term for me I'm thinking of getting buying a new launch property which part, private property short term meaning, buy new launch and then during a TOP and sell it because now is a good time to buy a property and three years down the road when the demand is higher than supply the price will go up


so ya that is my investment strategy for now


(mmhmm)


okay you mean like six months of your salary lah


okay, so like for me my risk appetite is more of a low to to medium risk I I don't I don't dare to go for the high risk investments ya like for example stocks and shares


okay


okay ya the reason why I choose gold and property as investment right because there are more of there are plenty of options to do with them


for example for gold if the if you buy and the market is not doing I mean it's it is not doing well and you can still keep it or when you need the cash you can pawn it, or if you really really tight with your finances you can just sell it at uh depending on the market lah uh at a a a good profit


for property you also have options if the market doesn't go your way you can still rent it out, and you know use the rental income to pay your mortgage or even you can stay and wait and and hold onto the property until it is in your favour to sell it


yup yup, okay, proceed to number three ah uh, ya for ya for for for me I I do I do FOREX trading I think I've uh done it for probably two to three years right now and


for me, I prefer to do a scalping method whereby I do day in and day out I mean I've I enter the position, for that day and by end of the day before I go to sleep I will just I will ensure that I will close the trade position and I will have uh uh stopped uh stopped loss


stopped loss and take profit , strategy so that if anything goes wrong right I will only lose maybe I'd I'd set myself a target that I only can lose ya I can only lose about two percent per day lah so if we I


for for example you have a capital right you put in into the trading if you lose two percent you still have , hundred divided by by by two percent fifty days lah but of course you you will try as much as you can know based on the market's uh analysis the the the technical analysis


you can somehow uh set a strategy in such a way that you will gain at the end of the day if it's not today if it's not today it will be tomorrow ya


oh actually I took a uh a course before and I actually I trade with a reputable one uh which is called fullerton market and I use an MT four trader, ya they have a lot of they also have a insurance lah with that that comes with it uh ya that is a reliable one so you just have to be careful with what you you uh which broker you go with


ya you have to make I mean you have to study lah their their portfolio and also their history


oh okay okay


ya it's just that when you do it yourself you have more control lah but of course you need to have , ya it's a pain and it it's uh actually a full time job by right it's a full time job ya the time and effort must be there so to to get a uh financial adviser yes there are maybe uh there are


good ones there are also some not so good ones so you also have to perform your due diligence lah, , okay then uh what's the next one buy low and sell high ya or auto


ya something like a platform for for for example the the trading platform lah I find that it is it is good because like for example uh for myself right I work, full time and then only when I for example when I on my way home I can use the particular platform to do my trading and it's very uh effective uh it's very fast it's very user friendly and I can set my strategy


I set my ya I set my strategy and when the particular market is not uh is not to your way you are not gaining at least you lose that two particular two percent ya, so ya correct, ya I I set that target lah for for for for trading so then


I I do day in day out everyday I I trade every day ya, the platform with uh provide you with the information


uh it is live actually it is live ya but of course you have to know the what happened I mean what's happening in the world like uh going around the world like for example political issues ya for example like


like what is going on in US, uh what's going on in UK with uh EU so this will affect uh the the currency changes actually


actually when that news came right I I do not time the market lah I just time in the market because I will just wait for news and then I will uh analyse and somehow after when you gain that particular experience right we will know whether it's negative or not


positive news usually with it's a negative news it will just that that particular currency will drop for that particulars uh specific period of time for example just recently when trump we , got uh there was a news about trump contracted COVID right I think I think for example USD uh japan yen it dropped by about


six uh sixty pips we call it sixty pips ya so it I mean for example if you put one dollar you will lose sixty dollars within that short period of time of uh if I'm not mistaken fifteen minutes ya, ya so for me I will just wait uh for the news


and then I will analyze rather, then I will try to guess what's ya what's going, what what will happen uh for the next day or next before before anything happened so ya


so our next what is the next one what are your ya what are your thoughts on dollar cost averaging ya dollar cost averaging


it is it's a good way it's a good strategy actually because you don't just dump one whole chunk of cash in in one one part like for example if you know that it's low right you don't just dump every dollar in that particular position


you go by uh bit by bit because you do not know how low it can be or how high the the market can be


correct ya correct correct


ya okay that goes to the next question have you invested in options before I had invested in options before but I didn't have a good experience, so uh previously the I think my the option strategy was twenty five percent low risk twenty five percent medium risk and fifty percent high risk but uh that was before lehman brother's uh bankruptcy happened


and after that lehman brother's right I lost about half of it half of my capital so it was not a good experience for me that is the reason why I I don't really uh, go into that route anymore like options even stocks also it's quite risky


ya correct correct and and speaking of gambling I do not uh I feel that investing or trading it is definitely not similar to gambling because gambling it is based on pure luck and you can there is no such thing as market study or technical analysis for example like you play the jackpot what


strategy do you have , it is just based on pure luck but trading and investing you can study the market up uh up hand and uh at least you can uh know when you can enter the position or when not to enter the position this is my understanding ah


ya, ya


ya even so trading can be short term depending on your strategy but at least you can you do ya it's calculated you have a technical analysis behind it


yup options are worth looking for new cash strapped investors, okay


ya I I actually I do not recommend to to invest in options because I it's just mainly due to my experience ah


for a student with uh little cash at hand I think you at first you can start with a fixed deposit first, because it's very low uh your your capital is very low maybe five hundred one thousand dollars and your return can be as high as I think two percent but I think now during the COVID it will be it's a bit lower but is safe


and you don't need too so much cash in hand, yup


okay and regarding this stock market right recent performance that I think due to the COVID issue uh we can clearly see that for example are oil and gas offshore tourism aviation industries are badly hit and then it really affects


uh their the the share prices for example Keppel Sembcorp SIA, and only essential services and ecommerce are booming right now uh so it does ya it does matter the stock market it is it is the economy it it uh I don't believe that it is not the economy


okay, I think you can continue the last part lah ah


(mmhmm)


okay okay


okay negative experience on


ya I can understand that , ,


ya but what about the gents do do they have any restriction like how many people can go to the gents and and change


okay , ya actually it's not it it's not fair lah to the to the to those who actually paid for the gym membership I think I think there should be a certain discount


ya I think the same goes with uh I I actually got the six months pass to uh universal studios singapore ya and it's very troublesome because you need to make I think you need to


uh book a time slot if I'm not mistaken one week ahead uh one week before, ya one week before you have to make uh uh uh you have to choose a time slot because for it it's a bit, time slot uh okay not time slot sorry the the date the date ya ya the date sorry the date that you want to go because if you have a six months pass right if uh basically if you want to go to US to USS you will you will tend to go when it's a good weather


but if you have to choose a date that you want to go you do not know whether one week later it will rain or or it it will shine so what happened was that I went there was it two weeks or three weeks ago and it was raining, so ya but


I uh anyway I took the roller coaster while it was raining and the worst part was that uh we all had to wear masks, even when we took rollercoaster yes, so so actually you, ya ya


, so it was ya it it was very weird actually ya every rides every ride every rides that you go to you have to wear mask and most of the rides are closed


I think like for example shrek it's just a movie but I do not know why they have to close that that particular it's not even a ride , so but you're paying the same amount of uh you're paid you already paid for six months uh six months membership before the all this circuit breaker started


ya but then you are restricted to uh you can only go at I think two PM it opens at two PM to nine nine PM, and you have to book a date uh one week in one week uh


before ya in advance so ya that was, it was a it was not a a really good experience ah so but luckily with a six months membership pass right even though I can go anytime I want but


to to to for uh we cannot foresee what's the weather will be like, and I also have another negative product review I ever bought uh an Adidas sneakers at an original price but when the shoe came got delivered I found out that it was a fake one yup


so it was uh it was very troublesome lah because and then I called I called the, the the that particular that I can't remember their website uh name ya uh because it was a uh website link showed in yahoo and it looks uh legit actually it look it looks legit with all the photos and all those the the photos of the store in singapore


so I was thinking that okay maybe I just buy online and since I don't sometimes I don't feel like going to the physical store, so I bought the the the sneakers online and then when it arrived I it it took like three weeks three weeks to arrive which is a bit ya long for a a a local shipment so


something was not right so when I check the the shoes it was a fake one uh when I called it's it's, ya the the the the , it's it's just the feel and the placement of the logo was not right ya so I called


that particular line that the the help what that the, contact us ya the their customer service uh there's nobody answered I sent an email nobody answered and I find out I found out that I was actually scammed then when I I had I had to


I had to request a chargeback uh with the credit card issuer uh which is uh standard standard chartered lah, and it took like six months for them to investigate and for that six months right even though I didn't have to pay uh it it I didn't have to pay the the particular amount but every month I can see that particular


uh transaction, like uh I mean uh not not not the that particular payment lah ya no, I didn't have to pay the standard chartered uh said that the staff said I didn't have to pay uh the credit card bill but every time the bill comes right that amount will still be there


ya will be shown so of course it it will create a a bad sort of bad image ah bad image through in the credit bureaus eyes uh it means that I didn't pay right I didn't pay for that six months, in the credit bureaus eyes but actually it is a dispute uh it is actually a dispute of uh I was scammed lah


so it took like six months for them to investigate and found out that it's actually a scam and luckily enough, they they waive off the the the payment uh I mean the the amount to be charged ya so that was my it was a bad uh experience


so another one would be from Ecommerce platform that would be qooten, uh I don't think I don't know whether qooten really uh screen through the items whether uh, uh not not really screen through lah because sometimes the the reviews right the reviews shows good but actually the item itself is not good


ya I do not know why maybe is just, it's uh something some something sometime like maybe I I create ya sometimes maybe it was it's me who create a a particular business and then I ask like my family members to buy and then definitely they will say it's a it's a good item when actual in actual fact it can you know uh it may be not be a good item


so when I got did that particular I think it was a fairy lights ah it was a it was a fairy lights so I I ya so I bought one and it came forty so I requested, for a new a new one and the the owner took about the the seller took about one week to reply and then sent another item but it was also a faulty one


ya so I requested a refund and they took like two weeks for for me to get back the money ya , so one thing about e-commerce platform reviews sometimes the reviews may be not


not uh ya ya not legit


okay


oh okay I didn't I didn't know that about uh didn't know about that


for Shopee so okay, Carousell is a bit difficult to to rely on also right ya, because they don't screen whether the reviews are are legit or not legit


oh ya I don't have any any bad experience, uh from Carousell I think only qooten uh Shopee also no no no bad experience, oh ya ya wish


correct correct ya my dad got scammed before, , and Taobao


worst holiday ah I I, ya one was in in Bangkok the one that I've booked via booking dot com ya it was like rundown dark and there was water leakage everywhere and it didn't look like anything shown in the picture from the website at all


ya and another one was a hotel room in paris it was really bad as well the the room itself the bedsheets the pillows are all were all very very dusty, it was just to the point where it was just disgusting and the toilets will the the the flush did not work we had to use


we had to get a pale with a uh fill up with water to flush the to to ya to flush the toilet bowl so ya that was I think those two are the worst, uh holiday uh hotels ah that I've ever stayed in during a holiday


I think the hotel I think the hotel room also I booked from booking dot com you know


uh usually I go for the the okay I I I've definitely I don't want to pay so much lah, to uh because hotel is just for you to sleep right so I will just go with uh the reviews and uh at a cheaper price so if the reviews are mostly okay I will go for uh I will go for it and happened that these two


hotels right the reviews were uh most of the reviews are okay ya most of the reviews were okay I can say safely say that sixty percent seven sixty to seventy, percent were were giving uh of the reviews were giving a good reviews


but I didn't expect that thirty percent uh thirty percent was actually the correct one the the the correct reviews reviewers, oh okay


okay and describe an electronic device okay I have ya I have one there was this electric facial cleaning device , I think you know uh clarisonic ya it was it was really good at first it it really serve me well for the first two years until like until it became faulty and there was no way to repair it uh to to get it repaired


no it just it just switch on by itself in the middle of the night, ya they they already stopped they already stopped ya but even before they stopped producing it right uh when my device got faulty the device just turn on by itself in the middle of the night


ya and then , and it it was very difficult to to switch it off to the point whereby , I just put it in the luggage and I put it it ya in the luggage and into the uh ya put it no I couldn't take out the battery it's a built in battery ya so it just on by itself and then when you push press the close uh off button right it just didn't off switch off so it will it just


uh ya it just run by itself so I just put inside the luggage with a lot of cloth uh and then I just put it in my in in the living room so now I've I've thrown it away so I find that uh it is really not value for money I paid like three hundred dollar three hundred plus for that


and it only lasted two years which is a short lifespan for an electronic device I I believe so, warranty warranty uh finish ah they only gave like one year warranty


ya one year warranty so ya so if how would you caution people not to use a product ah anyway the product got discontinued , I think I would just if if someone asked me whether if the product is still in market right I will just tell people to just save their money and just buy a micro fiber micro fiber wipes just like this brand called face halo and it's cheap


ya it's manual but but it it it works the same actually it works the same it's just that you have to put in effort but it works the same and it is reusable up to two hundred wash cycles, and it is environmentally friendly and it replaces I think it's they state in the website it replaces up to five hundred makeup wipes ya because one ya one


ya it is reusable uh up to two hundred wash cycles means up to two hundred days ah if you two hundred days lah means more than uh about three quarter of the year , so and it is easily recycled and it's also non toxic so ya if if I can give this one advice to those who wanted to buy an electronic uh electric facial cleaning device please just save your money


ya because now we are all about environmentally friendly products right so ya just use a cloth just use use a cloth people put micro fiber


any other electronic device because since you are so


high tech , what about smartwatch


oh


positive experience, okay describe a positive experience you have okay I think I start first


my topic will be about travel insurance , I find that uh for when when you go for travelling right I think some people find that travel insurance is not necessary but to me it is necessary uh for example like uh last year I went on a trip with my family


and we had an, experience of uh flight delay of more than six hours about six hours forty minutes to, be to be ya ya correct ya, so there was a ya it was a there was a flight delay at six I think six hours forty minutes and because of this right


we missed the connecting train and we had to purchase, a new train ticket and lucky enough that it was the last train to this destination that uh we wanted to go uh if not we had to stay I mean overnight at a particular city lah


ya so and because of that we missed the connecting train uh and also we had to pay uh we had to pay the late check in fee and uh it was actually it was not a a good experience, uh basically when when I talk about that particular


part but luckily there's a travel insurance because I sent an email to the flight company, and they said that there's no no they will not give any compensation at all okay so uh with that particular travel insurance that that I took I submitted my claim submitted my claim and it was an uh it was an easy


easy task I just submitted, via online and under uh flight over booking of travel connection and it was a user friendly platform and, that was charged under DBS ya ya so and the staff uh was friendly enough to I mean kind enough to call and you know ask what was my concern or whether I was okay whether the family was okay and I mean it it it was really heartwarming lah even after that


whole struggle ya, correct , so and then they they said that they the the staff said that he she promise, that they will look into the matter and uh will provide the uh


ya uh resolution ASAP so and happened that I think only for one week later I receive an email stating that I received the compensation which is actually more than what I


calculated it to be and the payment was was but was given to me via uh check when I came back to singapore in a form of check and I received the payment within like five working days


ya ya so I find that this travel insurance to me is it's really important because I know that I have a lot of friends who don't, buy travel insurance when they they they go overseas ya they find that it is a waste of money


ya for me depends, ya it depends also for if you go even for my case even if I go to malaysia it depends on how many days rather than the destination itself, ah if you go to malaysia for say five days or six days then I think to have a travel insurance is uh important lah but if you just go JB for only a few hours then I don't think it is required ya


ya, so that's part of my positive uh, positive review of a travel insurance product


, okay


ya education is is uh it's the best investment actually, it is the best investment and ya especially for now people are, we call it change line right especially from engineering to IT and it's a great uh initiative from the uh from the government to to provide such education and on the job training


to those who are not really uh don't have that satisfaction in working based on what they are qualified to


describe a time ya , I think , no I think I think the recent one that I can think of was at TWG last week , ya


noel noel T ya do you remember the that that waiter he was really very friendly I can't remember his name though, ya, ya he really took the time ya he really took the time you know to to explain to us


uh of the the particular dishes and uh what's on the what's available and what's not available and also recommend us what is, , I mean what is a popular sort of popular uh dish for for that uh during that time so


ya because actually by right that should be the way because when you talking about service charge right singapore we don't do tips, is the service charge is already there so sometimes certain staff will think that oh the service charge is there so why should I you know put in more effort ya


I think tipping it's a good thing rather than service charge this is my opinion so I mean that ensures that you know staff make more effort ah and be more attentive


because there are a lot of restaurants in singapore whereby when you go in right they don't you have to either call them or uh make a they don't make an eye contact with you, ya, but in that case like last week that TWG she that guy was uh that staff the waiter was really very good


okay, what is this ah describe okay the third one was describe a time when customer service hotline I don't have any uh problems with the go subscription but I do


have an incident whereby I bought a handphone and I did not take the receipt, uh ya at at Singtel actually Singtel I did not take the receipt and I needed this receipt to claim uh


to to make a claim because I can claim a certain amount from uh the company I'm working uh in, so I I called Singtel and I asked the staff uh I I told the staff that I left my receipt in the store so and then the the the physical receipt


so the the staff took his time to look for it and couldn't find it and then I think it took uh that following day the following day, he managed to find it somewhere in the in the store and he he he was nice enough to actually scan that particular receipt to me so that I


didn't have to personally go to the store and and get the physical receipt ya that was my my the ya that was a positive experience that I have with uh Singtel other than that with all the telco subscription I I I don't have any issues I'm not sure about you lah


(mmhmm)


anything more positive experience let me see, ya in terms of, e-commerce, in terms of Ecommerce for example uh Zalora


so far I have no problems at all they have a very good customer service , and it's very easy to return items and to even to they have this particular program whereby


you just pay certain amount I think fourteen dollars and you get free delivery uh with no minimum pay uh no minimum spend ya ya, so ya that's about it


true


what else necessities, ya if if basically on daily necessities and essential services for example cold storage NTUC now is very easy to just buy groceries online


ya, and and it's also very I mean it's it's a it's a good thing for especially senior citizens they don't have to go to the store physically and you know carry heavy items back home


ya definitely especially like for my mum ah ya she now she now prefers to buy things on on online and she will ask me to go and buy, stuff to online NTUC and cold storage but the thing about NTUC and cold storage it will take maybe two to three working days uh for other other than that Foodpanda you can get it on the same day itself


options are lesser but you still can get daily necessities like certain fruits and vegetables ya ya ya under pandamart and I think recently was it last week ya I bought, uh some veg and and uh some vegetables uh via food uh Foodpanda the panda


pandamart ya I receive it within like thirty thirty minutes and the the vegetables are all fresh and good so my mum was happy, lah because she didn't have to go to to the market uh to buy if uh vegetables ya and and you get it on time you see you just have to wait half an hour


ya correct I I just hope that NTUC and cold storage have uh that option lah that that they can deliver within the same day itself it will be so helpful


ya maybe it's something that that they have to look into ah , correct correct , ya uh


and usually like for for our parent's generation they prefer to see the items physically before they buy but things have changed right now because of this COVID right they are more uh acceptable to online purchases


even like for fruits and vegetables I didn't expect my parents to be okay with it but now they are,


okay Sha do you have any personal insurance


same I didn't know I had any personal insurance until recently, uh when I asked her about the, AIA and prudential insurance because recently we had an agent that came to our house for the insurance


for me and my siblings' insurance ya so I didn't know I had any until the agent came and I, asked my mother about it but ya, so I just got to know that I had two personal insurance under, hospital


and also , what is that called, I think it's accidents ya, personal accidents as well as hospital and the, accident one is actually under AIA and the hospital one is actually under prudential so it's actually from two different


what do you call that ah, two different agents two different brands


oh so you also have from different insurance insurance providers, understand, do you know if is term life or whole life insurance that kind of, thing


do you know if it's term or is it the whole life insurance


I also have the term life if I'm not wrong and I feel like it's actually better because I'm not like restricted to anything and it it wasn't even my decision to have the insurance right, so I think that in the future I can actually change, to have


like the from the company that I want the plans that I want and things like that


that's the thing I wish like school or my parents, talk to me about because I really don't know anything about insurance or , finances in depth, until recently when I


start to go into adulthood as you may say , but to answer to your question I think that I would definitely get insurance in the future cause it's sort of like a protection, for when you fall sick or get into unexpected injuries


uh I think that, it will be best cause they can compensate you and, it won't it wouldn't be as tough on your pocket, how about you Shazanna what do you think


okay finally we talk about this because I just wanted to tell you about the insurance that you might not know that you have under Grab, do you know that you have this ride cover insurance thing, under Grab ya so


I didn't know about it as well yeah but when you book a Grab, right right uh it has about thirty thirty cent per ride and that is actually insurance for personal accident plan, ya so


sorry can you repeat your first question again


if I'm not wrong it is actually uh compulsory for vehicles to have insurance but, if I'm wrong about that then I'll definitely get uh a, vehicle protection insurance because, it's really


unexpected like the, on the road ya so I'll definitely get to compensate or cover anything that might happen


I think back to the Grab thing right I think that is like honestly our first step to, adulthood uh in the insurance and finance sector , because we don't really know anything about insurance right but I think that really


it's something new lah that we all can actually look forward to and learn more about , through the little things like the Grab ride cover or, the, oh because when I was


oh when I was the booking the Grab ride right then they will like oh you want to add these thirty cent uh right cover so if like the pickup is delayed by ten minutes or so then they will actually uh reward me a five dollars Grab ride voucher, ya


and then if I get into an accident in the Grab during the Grab ride I would actually I can actually claim up to like I think hundred thousand dollars, ya, with the Grab so I think that's quite, cool if I'm not wrong I don't use


any other ride-hailing


ya but then again that's just just one thing that, covers our personal insurance right


actually I saw this, small discussion on twitter before where they say that singaporeans in general, err as compared to other countries right they use more they use agents to get a insurance plan which might be bad because the agents might be


only helping you to, for their own benefit ya, well other countries right you actually can just go on their website and get any insurance insurance plan that you want, but then I also heard that , singaporean singaporeans have these kind of


culture, because of lack of knowledge so I think for me personally I would rather, do my own research and, uh read up by myself


and maybe, ya I'll read up by my sorry


you have a point there because I feel like we might be too busy with our lives and, not think about our planning cause insurance is not just a short term thing


okay so moving on to our next one , what do you look for when buying an insurance policy


same I think I would have to look at my, earning, my income as well as , the things that I need at that point of time, so maybe if I have in the future when I have children then I'll have to look at insurance for families or like if I'm travelling overseas a lot I'll have to look into that as well


so I think it really depends on like the purpose of it as well as the like you said income level


most definitely because, you will never know what might happen right that's why I think that is, my sort of protection because personally I've been into


I have been hospitalised a few times and I've been , I went for different operations that was uh mainly covered by my insurance company which I think my family is more than thankful for so I think that is the like a good sort of protection


for and I believe that every family needs that


okay so for my part-time job I'm working as a barista right , since it's a part-time job I believe it is like that for every job not even part-time but if you earn more than five hundred dollars then twenty per cent of your


earnings will be for would be put into your CPF, ya so that is the CPF insurance I think ya, that you can use in the future lah


personally right before this I was like really angry that, uh like a percentage of my earnings went to my CPF because I didn't see a point like it need go into my CPF because I really wanted, to spend all of it lah


but then after, talking to a few adults and hearing that CPF actually help them a lot when like getting a house or like , using it for MediSave I think that it is really really beneficial in the long run


I agree I agree is like, you work so hard and then in the end he have to wait longer just to get a percentage of it out


do you know that you can use your parents' CPF to as medisave for your own hospitalisation


oh really I didn't know that


yeah same cause when I was hospitalised right my mother actually, talk to some hospital , finance people oh what do they call them ya, and they actually said that she could use her medisave to help foot


my hospital bills, ya so I'm not sure about repaying it maybe we would have to talk to our parents about it ya


now maybe you can explain to me about it


oh is our government subsidy lah, !wow!, I didn't know about that I think there's a lot of things that us young adults or even youths don't know about uh especially in the finance, sector because we are only


taught like limited amounts of things ya ya adulthood ya okay


you can start first now because I started


wait what is it about so, oh okay okay okay oh ya okay, okay I was confused, but you trusted that for one year


if that product that cleanser was like a charcoal thingy, no okay so okay I'm sorry continue oh yeah, okay so whatever you said just reminded me of like so many negative products that I just remembered I'm such an impulse buyer so whenever I see something or


like if a reviewer like if a youtuber just review on it and say that it's good I'll just purchase it , so I just remember that I have purchased, do you know this brand called Mario Badescu, okay


so last time when I had like , acne uh, like I think is puberty acne or something like that, it was really bad right so I watch a lot of skincare videos on YouTube and then I saw that kylie jenner


she recommended this pimple cream or like this, pimple thingy from Mario Badescu so I bought it in and it was expensive I'm just gonna tell you that was expensive for my budget at that point of time cause I was to the student right, but I still bought it that is just


how I am lah I guess and then I tried it on and I bought like two bottles like I ran out of the other one and just bought it again, and my pimple became a lot worse and I believe and I believe that every time like we buy something off the internet or whatever that


someone else say we have to like really check about it just like how you, mention it just now, it is so important to just not buy, what others say is good, ya that's, really funny ya


just because they're paid


ya that's why, any other negative experience other than facial products, oh


oh okay wait I have one can I say


okay so recently I went for like a beauty service at a very famous parlour they have like a lot of, shops around singapore and even overseas, so I, went for like a wax treatment


and, it was such a bad experience like uh when after the treatment right I went to the counter, and I expected good customer service like always especially from such a good brand, but then they like really


hard-sold their products to me, they forced in a sense they forced me to buy a lot of their products like they laid out all their plans that they have they didn't even care if I was student if I'm still a student or like I, like my income level they were


they weren't sensitive to that you know they just like, asked me to purchase anything that they have, and any offers that they have and then in the end me being me I was like so scared already like being force by four different, counter counter people


ya so I just purchased it ya, and it was like ya I was so pressurised and like I I just purchased it and, it was so expensive ya so, I think that was really bad experience I don't think that you should ever


sell your products like that especially when the customer says no


ya maybe during COVID like maybe they suffered a little bit, but still I think that's just the, basic like it's just a basic respect not, to force somebody to buy something that they don't want, and like they should have asked, me if like I was comfortable about it cause it's not like the same treatment


that I I went, to it's like a completely different one, yeah


ya


then what're what are they call ah promoters yes yes, all over


plus he didn't know cause you're wearing the hijab right


and your airpods


this is so funny because I know how pushy they are, they are so pushy they will not stop until you buy


like what, oh yeah yeah


yes I love pearls I think it's just the added texture to your drink, but then I'm really like sorry sorry I'm really like particular about the correct ratio, like when you drink and then you have your pearl yeah


yeah yeah and not too little also


tapioca, yes I do my research girl


like you know like how some really like uh like many different toppings, in their bubble tea, so like they will add pearls then they will add like pudding then they will add like the foam or like the cheese foam I don't know, those are like the weird weird, but I fell into that trap once


ya no so it was on like the new promotional drinks like the seasonal or promotional drinks right so I just purchased one of their drinks, at that point of time my favorite bubble tea chain is Gong Cha by the way


so ya Gong Cha had this promotion where it was like pudding, and then like some taro pearl I think ya, I mean sorry not to offend anyone but I just don't like inter-combination of it but I just bought it because was promotional like


it's like a limited no it's limited limited edition so is not like is always there, no, it was really bad I don't like it, yeah I think it was, such like a negative experience in my mouth like I hate it I it's so weird like combining


so many different things in your drink, is a no go for me


I always go for the largest size !huh! why


they say that is a marketing scam right


you feel so cheated right, yeah definitely


okay so uh talking about drinks right going to like other cafes like Coffee Bean or Starbucks have you ever had any negative experience


like it's so hard to just point to one, okay, err I think very demanding, customers like, when especially when they want to customise their drinks and then they they like to


out, so many different things in their drinks and expect me to get it that fast, you know, like cause I if I'm like the the person at the cashier right I have to jot it down also and then input in your, in your bill right but then know when they say it so fast or like nowadays they like to show me a tiktok


they will just show yes they will just show me the tiktok and can you make this drink for me then I'll like what


oh girl there are many people like that today, I mean ya cause it's under customisation so you just input whatever they want but of course it's very expensive


but it's so funny you know cause one person actually ordered a butter beer kind of drink from Starbucks, and then after that err I I made it accordingly to the tiktok that she showed me, but then she said that in the end it turned out really really bad


as in not not what I made but the the customisation itself, I I agree I agree


like if I asked another question eh wait do we stop at the


I feel like we ended around nineteen minute something right and then after that when we want to ask another question I feel like it might take too long, do you know, so just ask is it


talking about negative experience right, uh I want to tell you a negative experience I experienced like uh in korea I went last year, ya so, I went to, korea last year with like the school right and I think I got many like stares and like they don't want to


in a sense , help me out in stores I think maybe because I looked different, it as in cause maybe I uh, I wear the hijab right so they are like oh is very hard to approach her or, something like that I think


ya I uh many tourists right but then I think maybe, in a sense they are afraid, to to ask, ya to approach ya, but I think personally it was such a negative experience because it was hard for me to even ask questions cause they would avoid me


you know, how about you any negative experiences overseas


part two positive experience


I think I can share about the most basic, positive experience that many of us can or have experienced before which is, when you're dining in, or maybe out but then I think that transaction with the uh person at a cashier or somebody that is making your food


so for me personally right err I went to coffee bean the other day and I ordered a, double chocolate pure double chocolate frappuccino and I received err, something else but it has coffee in it and I cannot take coffee


so, uh I was so afraid to ask the barista to change my drink because uh they they looked really busy, but I just mustered up my courage and ask them if they could actually swap out my drink to what I actually ordered because I wasn't sure if that was somebody else's order because I think the especially with COVID right


queuing up for things or like collecting drinks became very confusing with the safe distancing right, ya so I just I just went up and just ask her if she could actually change it up and, she actually helped me change my drink and also offered me err some free food


ya as like compensation or like uh as a sorry ya, so I I actually just, I was really , I was really glad for that uh very nice gesture, ya


so not only I got a free drink but I also got a free cake , ya , ya I think that's really positive because they I can I can tell that they really prioritise their customer uh abundant customer service ya


so it was irregular


that's good I think, I mean, I feel like that is actually expected from like uh such a well-known company right


ya so I actually, am a shopaholic I love to shop, online or in physical stores, but then during the CB period right you're not allowed to go out so that's when like


I shopped a lot online, so I, I actually bought uh a lot of shawls, you know hijabs online and uh actually


uh got like the wrong orders, the wrong orders they that, they actually delivered me the wrong orders and I got the wrong invoice uh but then I actually reached out to them afterwards and mention lah that uh I think they got mixed with the wrong orders because of like the uh overwhelming response from


customers and consumers uh they actually reached out to me very shortly after, and err, refunded me with err, refund my money and also uh got my order back, and then they actually err


give me uh, extra shawls as well, as , like a sorry note which I thought was super good uh super good lah because they actually cared about what I I was feeling and what I had to say about their uh mix-up which I actually wasn't too upset about to be honest


ya ya, I mean initially they actually refunded back my transaction and then they ask me to reorder because I think the whole overwhelming response got to them ya because they're actually quite a small shop


I think that every, uh in every company the customer service is like the one of the most important


teams to have ya


especially with the modern day right you can say whatever you want on, facebook on twitter and then it will go viral and then your your brand might not be up there anymore


ya but then if you look at it positively it is also a strong way to gain new customers, how about you any other positive experience


okay I just like thought that I would share this also I might sound like, uh Grab biased, but I promise I'm not , so, like I feel like Grab has like one of the best customer service ever like they reply to you so fast and they actually refund you


correctly and it is very easy for you to reach out to them , so like every single time I get the wrong order or like there's a mix-up in my order or if there's like, maybe, like they accidentally put something that I requested not to put then they would gladly refund my whole meal


again, ya for Grabfood and, and like in the app right it is very easy to navigate to like the help center and then they will actually ask you, they will prompt you like oh how was the food like an hour after an hour after the the ride is I mean the food has been delivered right they will have this prompt and then they will ask you how was the food how did you find the food and then that's when you can actually talk to the the person or like make a complaint and then they will refund you straight away


which I think it's so good


I don't think so because I tried to, like cause my mum ordered cupcakes for my dad's friend and then during the delivery right the cupcakes like toppled and then it was it didn't even look like cupcakes anymore so we took a picture


ya so so we took a picture and then send it to the , customer, service and then they actually like mentioned that they will do a refund but after a month they still haven't done anything


so I think they didn't reach out to us as well as they did to you , ya definitely it's such a waste


wait what was this Grab


I think it's more, Grab has everything, like Foodpanda has pandamart, Foodpanda, has like the delivery things but then Grab has Grabmart, Grabfood and then the Grab itself and then now they have Grab insurance ya it's like everything


and it's so easy to use ya that's why, ya that's why, okay just to share one more experience don't you think that nurses are


the best, like they care for you so deeply don't you think so


might affect them right


ya I've heard about that that is so bad, so like for my uh positive experience right when I was hospitalised for like a week right uh after my operation all the nurses were like the closest to me because they check out on me every hour every two hours and every single night when I was asleep they will just give me like a quick look


to like see how I'm doing, which I thought was like surely like so heartwarming, you know even like even when I was asleep they are like so caring towards me where when do you ever get that right , I know because my mom


know my mom told me , ya and I think that, that experience like really showed me how, sincere they are in working uh to work as a nurse and how passionate they are


I think that was really good especially like , working with uh you know how nurses there are like a lot of foreigner for foreigners right, ya, ya and I feel like even though they're like uh


in, they are not in their own country they're in a foreign country right they are super selfless, ya which I think was definitely ya


and they give me such they gave me such a positive experience and, a lovely, stay sounds like a staycation but not really, ya definitely especially with like the treatment that they gave me


not many has


understand


part one finance, I wouldn't say I


I've have any personal insurance but, basically I do have one, but it's not under my, uh I don't, hold it I don't uh, how do I say I, don't really uh, manage it uh is my parents that manage my uh


personal insurance uh since I was young


for me I would say uh I only have, I just recently found out that I only have like AIA, uh insurance I think mostly is for like, health uh health purposes but err, I do know have a lit I do know that when I go for overseas trip my my mom would usually


uh take uh travel uh, travel insurance ya I think is under NTUC income if I'm not wrong, uh the main one is AIA for health


I think for me is, personally I don't know but uh, it would be better if it's just term life insurance, only cause err I, term life is I think it's cheaper and better


so it's like if I move out and I live start to live alone and start to manage my own insurance uh, term life would be a better choice for me to, pay them err like yearly or monthly, then uh it's like I will only pay to a certain uh age


then if I have a term, policy and uh if I happen to, to you know don't make it, till the term policy, then the uh there, there will be a death benefits for my


err prefer to have insurance like let's say uh you start to, err live yourself, uh and you are not under your parents' care anymore do you wish to continue the insurance or stop there


having insurance is a huge investment, but, like it depends on my, uh current status like my income is or if I'm able to, uh get a better insurance from different agency then it would be better


uh in terms I think but, I for sure will definitely get insurance based on health care so that err I wouldn't have to like, uh fork out money more money in order to pay the balance of my uh hospital bills or any bills that I need to


pay so like the insurance like you say can compensate uh the remaining amounts, so I don't have to really worry too like I will definitely get uh insurance for, health but if


then uh what about it would like let's do you own like any vehicles or anything


okay both of us like I'm surely, both of us that know that we don't have any , vehicle insurance right like car insurance or motorcycles but like in the future if you were to get any


I would definitely get the vehicle insurance to, to like, because we never know when we will have any accident that might happen in, uh highway or anywhere so like, it helps to compensate for our health and also for our vehicle uh repairs


like how did you know like did you search up on it or like did they inform you


personally Grab will be better since, err they have insurance for us also, to cover for any accidents


do you mind if I ask, uh if, do you like rather have an agent, to, uh do for your insurance planning or would you uh do your own insurance planning


I think like, I think both of us have different views on this, like okay I think that having a, uh doing your own uh insurance planning would be better, but then I also think that if let's say you you read up but then you don't have enough knowledge on it then it will bad cause you don't know when you might messed up your own insurance planning


so for me uh for for me personally I would go with uh an agent, cause I wanted to, uh go with my own DIY like do it myself uh insurance planning but then when I think back okay an agent knows better because they have gone for courses and they are well


trained on give in coming up with uh, uh insurance planning for us people like us so they know what's better for us to take but it depends on the different err insurance agents that you can get uh that can help to man uh that can help to


plan your insurance so if you get a good and trustable one then it'll be a bonus point for you but if you get a one that is, too , too pricey or like not able, err to help, you maintain your own


ya it's a long term thing, so it's important to choose the right kind of insurance agent lah


I think I would look for, depending on my income I would look on how much it cost for me, to pay them like err, start it from start it low and then like if I'm able to get a better insurance


then I will err, uh I will change to that insurance uh company or agency


would you will get an insurance for your child also like start it from when they are like babies or like toddlers would you start from there getting insurance, for them like err, like those uh like health insurance or like


but since I haven't been hospitalised before, but I think that's is a it is a good share point from you, so err at first I felt like okay so having a child insurance is probably useless because like, unless the


child has any like illness that needs, err support uh, err it needs more uh money to, uh to like, pay up the bills I think it's better to get child insurance but then since you make a point there I think it's important for every child to have because we never know like uh what


might happen to them like let say they might get hurt during school activities, uh so like the insurance can actually err cover it up the cost for it for that, so like currently you are working right


I, what question okay so you are working does, err just just to check does, your pay right does it cover up your CPF, like does err do you have any CPF involve, in your pay or do you take all the pay


the wrong like err not, all of your, sip uh it, not if let's say not all people right that earn above than five hundred will actually err, they can actually opt out if they don't want, to put their money in their CPF


like I I think I'm not sure but I think, but , CPF is a good option lah cause, if you not I mean if you sure or if you're sure or not but err, if you were to check your CPF uh statements right uh


there will be some of your money goes into medisave do you know that


I would agree with that like, CPF actually helps to save, up err most of us lah but, the fact that we have to wait for a certain age to withdraw the only a certain amount of


money from our CPF, is actually painful to hear that


ya but at least, to think back like at least having uh enough money in your CPF, helps to like pay off the, cost of your hospitalisations or other


I do not know that but I know I can use my own parents' CPF to pay for my school, fees uh ya ya ya ya ya because err, I use part of my mum's CPF I think


to pay off uh half of my school, cost but I'm not sure but, uh I was told that if I would had use it I have to still pay her back for using it so I need to ya I have to give it


but then you know right that uh all of us are entitled to medishield life, like we have medisave and medishield, oh no yeah, uh basically like you don't have to like enrol for MediShield life


means like you uh, you will have MediShield life since you are young lah so it will like support you and you can use that, uh MediShield life is actually part of CPF board so like they will help you to, pay off the amount but then they only help to pay off like small amount not big amount


so the remaining of the cost you can have your insurance agent to pay it off or you can use your own cash or medisave something like that if, I'm not wrong, so it's actually part of the government which is good ah


ya I think like, this about uh, all this should actually be brought out in school like, us, maybe like since secondary so that they can learn more and understand more about it like uh that is a first step to entering so-called uh adult life like


ya you are teenagers but then uh, personally some have started working so like they might work uh just to pay off bills but they don't know about err what is the outside world like right like uh what they can use the other monies for


part three negative experience


so as I mentioned earlier uh is I have a sensitive skin right, so before I visited the national skin centre, I actually err few years back I actually have this, product I don't know what's the name and


err it it was recommended by this one pharmacy, a lady because , ya ya I know I know, I know my mom my mom ask, her like and my mum ask her what kind of product will be better for my skin and she actually my mom actually gave a really specific


details of how my skin works, so like err, the pharmacist say that okay this product is really good and I actually agree based on the reviews is really good but then ever since I started to wear it for like, uh one, vial was like three months or one


or two months my skin, it's not my skin you know it's my acne that uh came out really bad, so is like keep popping popping and non-stop so I think I use the, uh the bath for like close to one year


but it's two vial only and, it really for facial ya, is for facial wash right by the way, it is really it was really bad


ya ya uh I thought it's like it's because it says that it helps your skin to like uh it helps to smoothen your skin so I trusted it so I was like thinking okay lah this acne doesn't have any relation to the to the facial wash it could be just my hormones acting up


then when I think back right okay uh, before I use this product everything was, but when as I keep on using it right it keeps on appearing appearing and it actually brings my self-esteem down, so like it was really a bad experience for me with that product itself and I my mom was like really shock when she saw my face and she told me like you should stop using this but me being me I was really stubborn I thought no no it's not the product I think it's just my hormones and I I started


to believe about it's the product after I started, to change my, my facial wash ya my cleanser and it was, I tell you is really a bad experience and, from there I have phobia of trusting different kind of products for my facial and I had to like really uh be careful when I purchase any kind of product like make-ups or anything I had to like double confirm that okay I'm not sensitive to these probably if I use it one time I can see if my face to reacts badly to it or not


so like, it was really a bad experience for me for that product and, thus it caused me to have trust issue when going to national skin centre I tell you I I really literally cried my myself in my room uh for the entire day after the visit from the doctor and like I


I was really afraid of trusting other products so for me personally I think that uh, whenever it comes to purchasing cleanser or like toners and stuff or it's better if you were to get it from, or a trusted uh dermatologist like you can ask the dermatologist like what kind of product is bad is good for your face cause they know better than us


so like uh they actually good at provide you with list of products that can help, to improve your skin cause all of us don't have the same skin condition, so yeah I I would say I would trust any product that has been


dermatologist-tested, ya so what about you what's your good experience, is definitely not, is I, I think you can only find it like at


I think it's my first time hearing I'm not really good in this product


ya it's always important to check, like you can check their reviews also you don't have to like really trust on, the influencers cause, it might work for their skin but you never know like they might want to promote, the product itself but never err ya


they could actually damage their face also but they will say that oh you should you should buy but then it's it's not good, ya so it's important lah


I have a lot of negative experience but like, ya but it doesn't, really doesn't come back to me like I don't think I have like that extreme bad experience probably most of it is just a bad experience that I would just ignore it


uh the they wanted to hit a quota for that day or like because they don't really have enough customer on that day so they like just want you to buy


from your experience ya you actually recalls me, my experience uh based on, I think, I would say is a good and bad but I would rate it as a bad experience, uh so, similar like you I would actually get pressure when people keep on


talking and talking about this, when they're selling thing so it will actually, one prompt me to actually buy it, you know so there's this like (ugh), when you walk uh around, the, when you walk around any shopping mall right people will actually stop you right


don't don't you think so, ya promoters like they do you have an encounter like any promoters that stop you before cause I did, ya there's this one, time right I was waiting for my friend so I I


just that one one area and this promoter came up to me you know and I was there having airpods on my ear I was like okay I don't want to mind I want I want to mind my own business and I was listening to my song but the promoter was standing in front of me and he keep on like talking to me so I


I tell you ah I cannot hear anything so I stopped my music because I felt bad then I'm like okay yes, then he, ya but is I I can she he can still see it ya he can really see and I can guarantee you that


then I was like okay so I listen to him he explain I thought at the end of the conversation I would just say [orh] it's okay I'm not interested you know what I was so pressurised and I say oh okay okay okay okay I will buy I will buy I'll purchase and end up I lost my twenty dollar for waiting for my friend


so I'm I after I bought it right I'm like I'm gonna scold my friend, ya I was like I think it's wasted because don't I'm currently on job seeking and then like, wasting my twenty dollars actually could be used to buy, food you know that I am actually is gonna eat so I told my friends like you guys made me waste my twenty dollars and then they felt so bad


so I think that is bad ya, ya I think, ya I think is that they want, I think they wanted to hit a certain quota or like, I think having a lot will actually give you more commission but I think that is not the right way is like you are forcing the person to buy and what if the person already buy it and they don't use the coupon it will really waste of you know money for them so


!wow! I tell you I'm so mad at that point of time, ya so like okay this is random like, we both know that we like, bubble teas a lot right don't you think so bubble teas okay okay what


okay specifically would you like uh, share with me because, different people have different opinions of bubble teas right, so for you would you like prefer having any jelly or like


like you don't want it to have too much pearl right, or too little just the correct amount lah I don't okay personally I don't really like, pearls cause they really tastes weird weird, like you it's like so soft like you don't know what you're biting and you don't know what is do you know what it's made of


I'm sorry because I don't really like any pearls or like any toppings or jelly I just like my bubble tea to be like, plain


ya like I would love ice but no no no for any toppings or


to think talking about that right since we're on uh that topic, do err do you usually like, okay this is a bad experience for me lah, cause I would definitely go for smaller kind of err cup from any bubble teas so what about you like do you go for like larger medium or small


cup like do you know that all the not not all cups are the I think okay because, I've seen right that actually different cups right have the, same


ya same volume same ratio of drink like it's just the size the height of it only and the design, so like it, ya is like they make it slimmer, and taller but then they have the same volume as the small one so you're just forking out your money


for uh same amount of drink as a smaller one, but if you you can get if but if you are smart enough you can see the difference between, if okay certain shops right they have like cups of different sizes


with different width and different height so that will actually give you more volume, and that they don't really scam you for that lah, so you have, ya for me I had a bad experience because, when I purchase err a large one right


and drink it so fast similar to the one that I drink for the small one and I was really mad because the fact that I paid for different amount but is, I feel, ya I pay for the different amount but I drink for the same amount of


we recalling out different news with negative experience, because I I think they, got, think got certain times where they call out a different, name from what I pronounced, then like they call me out


ya because and then I'm like who the hell is that and then, then I will be like I will just stand there and then stare at the person you know then the person will stare at me at me back and it was pronounced the same name, again then I'm like what the heck is that then