ya so maybe we can share more on like marital partner if any in the future, (ppc), this is err long this about a long-term thinking, so you may want to consider yes


ya of course of course but but as in so so that that's where that's the question lah so where do you draw the line or like how much between you and the partner how much to put like uh what percentage to put in or like what does that money be used for or who has the rights to to to claim claim over the money for that


ya


correct, so for me like okay I haven't considered it can considered a joint account with a couple before this today but like, thinking about it I would firstly see how much each of us earn lah, there is a chance either like could be my partner earn more or I could earn more


and then it should be a give and take ah it need not be a even number of how much to put into the account and you must think about what is it gonna be used for is it gonna be used for err start a family, or to maybe is use it for a house is it is it to buy a joined car or something so I think the partner must have good understanding lah


and, but ya but but then again how it so but then that's one problem like you gonna create joint account it becomes our money, so , ya so it's gonna be a bit iffy lah yeah and and we know usually money in in any regards in any relationship money tends to be a


uh straining factor like err you know cause people think a lot of relationships have broken and a lot of things maybe probably due to money and all that, so this could be a possible avenue for that but, of course if a part the understanding between the partner is good and you have a clear understanding and uh direction towards what to do I think it I think it should be fine lah


right


eh eh, but now we think about it for me is like this could be a collective savings lah, for the for the future you don't know what is it could be for our own retirement could be for our own use in the future but then again being in singapore you know you have, CPF card we have this card that card and then you want to on top of that


put in in a very joint savings I don't know if is the best option but but it could be a possibility lah


ya I know I have a friend err used to owe me a lot of money so and then rare rarely pay back then ya I understand what you mean, uh last time lah old friend , uh okay anyway next question


I think I not sure lah I long time never see him already ya so next question, do you have a high yield bank account or fixed deposit, I think we we kind of touched this earlier also but you can share more do you have


ya !huh!


so low I thought I thought is about one point something, I mean the highest uh I'm talking about highest, okay maybe I've uh falsely informed , [orh] okay ya but


[orh] okay ya maybe, okay


hello ya


can hear me ya ya, okay uh ya you were saying, err zero point six percent, zero point six percent


ya, ya, correct


ya, but the ya the fact is all the banks about the same lah it's quite pathetic in terms of interest rates but I just I just realise a fact that CPF provides the highest interest rates


and err ya is about three point five or two point five, but is is almost of the almost like a fixed fixed income because you you you fixed savings that you cannot you can never see the money again but but uh the it's crazy it's crazy high and then that's the main uh selling point for CPF lah and I actually I mean not say I was considering but but I heard it and I very inclined because it's good money but you don't get to see it lah


ya I think around fifth sixty or fifty-five or sixty ah ya


ya,


ah come on


hello ya ya ya, I err you know CPF OA, yup


yup right err, err what what age should a child be given ATM card to manage own bank,


so late ah I got it I got it err, I actually I had it on on when my mum created one and keep kept it for my sake my on my sake then I I but but when I first started using it on my own think was about


err upper secondary, but but then again but then again every every time I use it it'll go to my I'll be, inform your mum lah is like with with clearance lah in the sense until until maybe like I got a bit older maybe already graduates secondary school then like you frequent out go out to eat and all that to spend and pocket money also like was like here and there wasn't it wasn't as frequent so that that's when I fully started using


okay


part three negative experience


why why but the timer is has is started


kay thank you ya, yes <P2>kah teck</P2> you were saying ya I think you've a lot of experiences in staycations uh, staycations ah with with different partners maybe


okay never mind never mind just just describe which is the worst among the the many that you have


ya


(mmhmm)


err thinking about it I I think I have a few episodes which I may have shared with you previously but I'll share again err okay one one was a scam lah that one was a big scam there's but in the sense that they won't stay there it's just like


via airbnb this was in Phuket and then err you know try try to book a villa and all that there were eight of us and and then what happened was the scam lah and end end up I mean we didn't quite specify the number of people, were going to stay there and then when they found out they were eight of us they did they refused to let us entry give us entry and all that


so we spend a whole know uh quite quite a long hours then we just sitting standing on the street like just trying to convince them to let us in but end of the day they didn't they wouldn't like not even if you uh uh uh willing to give more money, so that's a scam lah so it wasn't really so I can't really say about what's the amenities but another one is like I went I went to cambodia


so most of my overseas one I try to use airbnb as much as possible although of course uh hotels are actually much far, safer and standard and then uh uh, convenience I'm not sure I mean depends on the on the location all that but


I would say it's very established or like there's less things to go wrong with but is the then again is is chances are it's more pricier, and it and it and you won't get the vibe of a of a of a house or a room I mean like ya if if you are going in like more than more like more than three or more than four people so


so when I went to cambodia, it wasn't that bad but now I'm thinking about it on retrospect I think somethings I I were I was disappointed with uh like in the photo they were they were they they portrayed a picture of a swimming pool, so it almost looked as if inside uh inside err the the the villa or like the the room


but we went there it end up it was it was a public swimming pool which is just a small strip so that's why that's we what made us think it was uh it's uh inside the room just a very small strip and the worst part it's not even maintained for all I know for all I knew it could've been a breeding ground for mosquitoes or something


so but that was at their basement lah so we don't really want to go there after that but but then again that was one of the disappointments another disappointment was like uh they took picture of a of a porch or like uh what you call it a rooftop, like you can see overlook the city and all that but what they didn't mention was how the way to get there to get there you is very steep steps you must climb almost like a ladder or something took to get up


yeah


they I know, as so as I was saying, so so so there was this uh rooftop that they that they they didn't promise but they took picture of as part of the selling point so my friends and I were


ya I can hear


uh ya so, err so as I was just saying so there's a rooftop that they promise or like they took picture of lah in the airbnb photos so that was one of the selling points that we we decide to to book that the place but we went there it then it was like to to get there is they didn't mention how to get there so like there was a ladder there was like very steep steps


so it's quite if if you ask me it's quite dangerous to even get up there and once you go up there it was quite forested like I mean like uh, there were a lot of uh vines everywhere there were a lot of uh plants err unkept so it's like growing everywhere so we were quite we're quite bummed by it lah so that's one of the thing


oh ya ya as as as much as shown lah but I mean but then again everything else like within the room I think it was fine, I've I don't think I'm I've much complaints but but that was about one lah ya


it was one-off lah I think ya so, but then again I mean it's it's still a small portion but but then but but it just shows that you know sometimes pictures can be misleading or like these are the problems with with this kind of like airbnb especially lah you know like like ya and and you can't I mean you you can give a review afterwards but by then you would have stayed it in anyway so it's it's quite tough ya


and and airbnb's refund policies are quite err strict you know they they go through a long process (ppb )so it's quite tough, err electronic device


ya, uh do you have any or, oh ya okay lah I just I I just go first lah so so basically I have this err let me just show you if you need this is my studio okay I bought this back err as my earpiece lah okay so ya it's a true wireless earpiece


okay I mean for the most part it's good but but I was disappointed by in the sense err uh because because I didn't didn't do my market research so I thought everything would be the same, so when I bought this and then and then the price level still a bit a bit high it does have certain features but like like uh it's so it's packaging is quite okay lah it's packaging is quite fine it's it's easy to carry around


battery life is okay but but like sound so I'm a I'm a audiophile lah in the sense like I I I try I take attention to detail in terms of audio right so when I compared it to be with counterparts it actually wasn't that good, so I was a bit err that was the disappointment lah I should have I should have done a proper thorough research with the the the ones in the markets before I went to buy


cause this was at that at that time this was this was still a bit more prevalent like, when I bought this was a period where true wireless were up and coming like it wasn't fully established yet, it's still relatively new so but there there were options so I maybe I should have uh I think by then by the time I think it's jabra jabra was already well-established and it was it was quite good so I was thinking maybe I should have bought that cause I bought this for about nearly two hundred and that will have been two hundred plus so I was thinking whether I should have just paid the plus to you know like to to secure


good one ya but, it it works lah it like, like now like so for example now you tell me a story of your twenty dollar xiaomi one and then I I come compare then like I'll think or let me think even not cheated but I'll feel cheated lah I feel disappointed like now


ya ya okay, alright


right right err, then err yeah so I mean uh no but but as I said okay so one thing I I think about I I can say that uh back when I bought it was it was a budding err uh market lah so I probably wouldn't have much as much options as as there are today so but but then again I I'm overall like I will say disappointed thinking about it lah


then I've another one also err or you were talking about another device I got another device, I got one very big device it's called a PS four, err it was just working not about quite working quite well just working so that was just one of the biggest disappointments lah because


err I remember this was back when I've finish O levels so I immediately wanted to buy a PS I couldn't wait I couldn't stand uh boredom in the house so I went running to the shop to buy and all that and err and uh all the more and when I bought this there was no like promo promo promotion going on cause all the promotion already ended this was year-end near christmas


only near christmas near christmas so there there wasn't any you'll you'll just they'll brings everything was being sold ad-hoc like the console the additional controller the game everything I bought separate there wasn't like a bundle or anything, so I paid nearly err nearly seven hundred


seven hundred plus for it which is quite expensive you think about for PS four like this could have come in a bundle like you could you could probably gotten like two more games for that price or you could have probably gotten err whether controller or whether extra freebie


with it but I didn't lah but I was so desperate so I just went to buy then err, well I mean it it I mean it did of course it did do his job it it did serve me that whatever period but but compared to my friends mine died very fast like it started to what happened was I almost thought my PS four got got possessed cause what happens is while I while while playing the game will auto eject the


disc, so and then and and then I'll be probably playing the game in my hall about like two three AM during the supernatural period so ya so I was a bit afraid so first it start to then I thought you know what's wrong and then I start to you know google search lah of course


and then sometimes you cannot put the disc back in directly you you kill you whatever whenever you put in it will spit it out and when you put in it spit it out, so I couldn't play so I just have to the totally turn it off maybe wait for an hour you know like wait for the next day then I'll try and go again then it should be okay, so this the initial stages


when how things got worse is that instead of just ejecting uh it start to spit out the disc so that means it really like eject then it the my disc will fly on the floor ya so , ya and and this will starting to happen even though the PS four was off


now it's a bit now it's a bit err it's freaky but ya even it's off off in the sense it's sleeping sleep mode so sleep mode but but I'm I'm not even doing anything it just next next day morning I will wake up I'll see my disc on the floor and my PS four is on


so I know that that there's that this happen so it was it was and this kept going on and on so I just somehow you know make do with it I stop playing the game I I still try and make work it out one when one point of time this so PS four there's this uh very common not common but very popular problem is call uh blue light of death


which means it's it's it's gone case so so it it just cannot turn on in that sense so and then ya lah then I was very disappoint like overall I didn't have a very I did have fun with it but that's that's the guarantee cause I paid so much for it I didn't have my my fun with it my in prolonged use but


I couldn't use it too long and and my friends who bought err before me they still using theirs like till today perfectly fine and then I'm I'm cheated lah, , relatively short okay so uh I think about four years


if you think if you think is long but but then you might as well say no it's not about PS four already I, okay towards my eh my final two okay so, my heavy usages are during like holiday periods which is like so post post O levels I had uh very long holiday maybe during JC sorry to JC I mean during JC uh I meant once school holidays I use


post A levels are the longest holiday of course uh not longest but it was a very long holiday before I went to army but once you go army I really had no time I do play occasionally in uh weekends but that too like here and there so I would say my my usage wasn't as much as a a gamer who plays twenty-four seven


but even then the four years I I it it ended up you know err being thrown out and then I can't even repair it if I repair it, err is as good as buy a new one that's the that's the the case of it so I was like uh like screw it lah ya


so if you want to buy PS five you think think hard actually no it's fine I think I think I'll I'll just think I'm just unlucky lah I mean PS four everyone everyone has it every all my friends have it ya no I'm not I'm not, ya because I mean that that phase has gone by will like to game and all that and I only play one game I only play FIFA I never play any other game so it's it's okay and their their game is quite trash now anyway


and it's quite bad I rather I I rather play two eh err two K four two K whatever two K twenty uh two K twenty-one uh compares to lakers by the way, ya, ya, uh then another thing about PS four is also like you must buy PSN like you must buy the the membership to go and play online and is probably like uh


ya so it's not , I don't know what the other games I don't know maybe DS or what is it like you can just auto go to internet and and connect and play so this one you need to pay for the membership I mean now it's very common lah they they they ask you subscribe is like a like a netflix membership or like uh whatever membership so you just gonna pay and then you got to so that you can use the internet ya it's it's it's ya it's fine but like


there is is it oh it's free, oh


right so, how is your how's your fitbit


oh okay in the box is it okay ya can right right okay ya you were saying something


so, ya


oh ya ya ya


ya that that that's that's quite a norm like err and overheating thing is quite a common problem


oh, but then it should be under your warranty right


why not, like, oh okay okay no but as in no as in this was less than a year what anyway, this this this occurrence is less than a year anyway right


[oh] okay (ppb)


you know below that discuss your favourite bubble tea down there, ya ya but but as in we choose one of the one they give or like we we we go based on the question


alright can, , I think <P2>kah teck</P2> we we start with the bottom first lah, so <P2>kah teck</P2> what's your favourite bubble ah


ya ya, no I never try koi one but I like uh I buy from err where ah, uh, shit err itea itea, it's it's very it's very no it's it's worth the money value for money so I usually go buy from there


not worth lah what the


oh, I I liho, brown sugar what


oh okay lah okay lah, no it's not about sweet no lah is is a very different sweet tooth like fresh milk is a bit uh I know I've tried it a few time but but then again large lah I won't drink so much of it in in in a single sitting cause is is pure because it's pure milk right so like


I ya I don't know I'll probably I'll buy the regular or the smaller one if I were to buy that, then uh


ya the farmhouse lah, ya of course I mean that's the whole thing about the the the aesthetics or like the branding in itself so no then that's why that's why I'm I'm I'm very


intrigued or curious in that sense because itea right like their their large ya their large is quite large you know it's not like a miniature large you know that kind of thing you know it not miniature thing and it's quite large and, and their prices don't go I think the highest there is like four of course unless you really keep adding a lot of nonsense and all then you can go more than four but I think average about three


no is less than four, that's my point so so example so now I I patronise their ice-cream milk tea, I yeah I think so I think so but but then I only know one drink cause my my friend like recommend lah itea ice-cream milk tea so I think I buy is less than


less than four dollar I think about three uh three dollar plus, three fifty maybe no err really meh


I mean, uh I'll think koi or is more what koi or liho is more aesthetic lah, you're too strong lah


but then again I'm not bloody paying for the okay lah I mean this is very important thing that you mentioning but but then again I'm not paying for the, the cup I'm but that the basis of basis of the fact it should be that the cup is is stable that it can hold my drink


ya so, like so so going back to the arguments like that that that why why is it that the same drink uh I'll think is the same drink lah uh maybe there's a secret ingredient in one of the shops I don't know but I'll think is the same drink why is it that one is significantly cheaper than the other and ya it just why lah so I'm I'm really it's just quite puzzling and and I'm I'm the case so mine comparison my head is going between err


itea and koi because these are the the more like prominent ones for that that flavour of milk tea but then now now the market got so many there's like err, uh what your R and B there is your, uh gongcha and it goes a lot and and I think each of them specialise different


types ah , partea uh playmade I, and but but that's they're just the main thing so I I generally don't even buy bubble tea compared to my my like secondary school times or you know primary school like when there were just probably two shops sweettalk and and whatever and and that was enough because


no lah koi lah, no lah is is mainly uh sweettalk and each-a-cup each-a-cup cup walker cup walker is one of them also back in the early days so and, uh


cup walk is also quite pricey for me I know there's one in Sengkang, cup walker, ya, but no because okay but but again same thing it's a bit cheaper so maybe that's why they they compromise in terms of the the size of the drink but taste wise is about same lah everywhere is I feel there's no nothing extraordinary unless you tell me like when liho started the cheese drink


okay when everyone was like was like what the hell is this like so skeptical uh and then I tried and and actually it wasn't all that bad lah I gotta admit but then again it's still expensive I think six very easily six dollars five dollars and then that's not


alright, ya but but then again ya lah, but I don't like pearl by the way, I used to okay I never really like it but but used to be staple then now now that I got a lot of variety right I just buy anything else other than pearls


ya, I do get occasionally I do to get toppings so either is like uh look okay my favorite is like err mango pudding


okay but depends on the drink maybe it doesn't go with every drink what so maybe is like milk tea and all but with mango pudding err I like nata, nata de coco or, or like jelly this kind of stuff but pearl rarely cause pearl I by the time I bite uh my jaw pain already


so I don't, ya ya ya, have you tried the what there there's there's a different uh yam yam boba think err


no yam boba I think first when it when it first came out I think it was liho started it err then err think now now maybe a lot of people places like uh adapted it lah


then next thing so liho I've that feel I find it is a bit err so okay let's say compare liho and koi right koi is very they have few but every that all that few is uh very err niche like everything is like perfected in the sense for them their recipe then liho has a more


variety and and their variety in the sense like they they they target our singapore audience, ya localised so err I think that's that's good lah so that's why that's why you know like you see something like bandung you see like #gula melaka# uh you know you you see these kind of err or durian durian I don't know if there's a durian drink or what but but you know you just you just you


oh but you just seem to go for it because err no not not not everywhere lah cause most I think most of the thing most of the bubble tea franchises are from china, ya so they they ya they focused from there and and I mean predominantly singapore is chinese nation so uh so maybe is err similar in that sense but


but singaporean being singaporean I think I think liho is doing a good job in in that lah


oh you cannot say that you cannot say such things lah but but uh it has established itself I guess


ya , in koi I like yakult green tea, oh you should oh you should try the yakult series their yakult series is not bad


is it the is it the latte, I mean uh the latte ah or like the milk the milk ya ya ya, err matcha I think I think any of their uh like like their that that series lah I think is okay also no that's why I say I think koi everything is is nice because they've been established so they may only have three varieties four four options but all four is probably likely to be nice then err


okay err shall we move on, err ya describe a product that lasted longer than expected, ya, than its expected lifespan sorry lasted longer than its expected lifespan


this should be about, I will think is your bicycle I will think is your bicycle by the way,


you oh okay,


right, !huh!


the bike so long already ah how is that oh five years I heard ten years, [orh] okay okay [orh] okay okay


crazy


, okay


oh that's quite good lor, uh, okay for I'm thinking about I don't know what's the expected lifespan of a particular item so I'm thinking so I was like so uh so one maybe one uh one item could be like my I bought a street soccer shoe uh like sport shoe in that sense so this was my I think my first ever ones


and ya if if you know my size and you know all the way I run which is crazy so and and I remember using a lot like week in week out or daily maybe I use use it everyday and, oh okay err okay that that's one like I had this street soccer shoe in particular I use for maybe a few years and and this is a particular brand err


can you hear me ya okay this is a particular brand I think, I bought the name the brand is called nike okay and it's and it's known and it's known to not last as long as the the other brands as well okay in particular adidas uh, okay so nike so I so I


when I bought it is I had no choice in that sense because err it only only that one had my size and and it still look somewhat aesthetic ah so I I just bought it was cheap also, cheaper than the the market options so I bought that and I use use until until until until the the really the sole came out lah so I think that was a it's a good achievement


it's a good achievement, speaking of uh, [orh], well oh actually err ya is big also but but I think the best shoe I've ever use is I mean in terms of uh lifespan is warriors


ya ya ya no no I we're not so long as in uh entire secondary two so , I I so let's say I started in january I use and I use it for everything I used for running for, school for go out for I don't know everything for PE and and it was heavy usage


I use until and and it really really lasted the entire calendar year so based on the usage I'll think it should by right will last me but, uh less than a year so maybe like ten months nine months, so based on the usage I use I it really last me I think slightly beyond a year until there was it started become a hole that's because but that's because the way you walk so


especially certain ways certain parts of it wears out but it's still the best best shoe now that I just can't find my size so I I don't buy it but if I can I'll, I think it's the best shoe for durability ah


but do you buy do you buy the authentic one I thought you sometimes you like just buy off the market like doesn't make, like hopes ah hope factory ah


alright


ya so, but besides shoe I think is there other things like , I I don't know like like like simple things lah like you know you so today you you realise also could be could be a watch, could be uh my


my spectacles like these these are things I I I never think about how long it will last me but it just by then now I think back uh like actually last me quite long I mean of course battery life, or and all that is is inevitable or scratches on on spectacles is inevitable but, pretty much if you I think with maintenance


I think it it's a win if you can maintain if so long as you maintain it it it it stays you know that's that's the fact that's fair


oh right right so , err I mean ya lah it depends on how expensive the the maintenance is but but, I think changing your batteries or occasional cleaning if you do by yourself I think is fine, so, ya ya so ya err anything else


part one finance, so Ranjen do you have personal insurance


okay which are provider did you use


mine I have a few also but uh all with Great Eastern, because uh ya I just got I just go through the same agent, err, uh pretty much I think right after uni or even during uni I had insurance and I think we


during army we were encouraged to get the the second pioneer, policy or something like that, ya that one I think was quite a good deal, ya but mainly Great Eastern, uh


ya mainly is great, I think it was, like term life it uh covers all the critical illness uh stuff like that and then uh later on I added some riders that basically something like , once I am diagnosed with the critical illness the payout begins and the premium stop


, ya I guess the devil is in the details lah which obviously I can't remember but basically uh ya I think I have maybe one or two plans like that, it covers uh in case anything happens to me lah basically my family will have some amount of money


uh ya I have endowment plan, for theo actually, so basically uh when he reaches twenty five he gets to get a sum of money so basically the plan was he either uses it to pay


uh for his uh offset his uh, tuition fees if he chooses to go to uni or if he's good enough or else he can take it and do something with it you know, then maybe start a business uh what whatever he wants lah so that's the plan


okay, ya lah I think it's good I mean it's like a us force savings lah forces you to put aside a sum of money every month


uh and then hopefully, the, financial institution won't lose your money and then you get something back again in the end


uh quite a lot actually I mean, I think insurance I mean including investment investment link plans I think is about at least twenty percent, at least ya uh my mean of course for me I'm not that savvy figure I can't make more money investing so


even though you do suffer some loss with the, the, uh insurance companies but, at least is better than sitting in the bank idly, getting the interest so that's the plan lah, yourself


(mmhmm)


ya there's some I think there are some insured interesting plans now because of the low interest rate like my agent was asking me uh is is (ugh) pretty much equivalent to like uh sames concept was like a housing loan, basically you put in uh


certain amount and then you take a loan for for example seventy K you get a loan of two hundred fifty K and then you just pay premiums on it like as if you as if you are buying a two hundred fifty K house and then what it does is after I think five years or something like that


the the, projected uh gains and, uh covers you or your interest so you basically just let it run on its own and then at the end of X number of years you get the two hundred fifty K basically


so it's uh leveraging on the low interest rate now lah so, basically the insurance agent the insurance company is saying !hey! you know give me your money we take a loan uh up to this amount and I think I can get you, four and a half five per cent


and then from there they of course they take their share and then the rest of it they use it to pay for your interest eventually, once the enough of the principal is paid for, ya


uh, I think it's twenty years can't remember the term but basically it was like after five years, you are getting passive income like basically your your your


your return is paying your interest and then, after a certain age is basically a passive income for you they pay you, so is almost like a retirement thing so they're basically breaking up the two hundred fifty K and giving you a certain amount, uh let's say over five years so you get


certain amount of money every month, for example ya, uh he was uh in the army with me, uh ya


terrence lah I don't know if you know him terrence, the one no not our terrence, the the Temasek terrence


uh no I didn't but I think I believe he did mention once that I mean I guess the good thing is even though he's a Great Eastern he did tell me once that the, the Aviva plan was a good deal and he was asking me if I wanted to, to to to get that uh


by the time I figured actually I I I've I evaluated that I think I, I'm well enough covered so I didn't want to, put in anymore because other than, personal insurance I have uh this thing call uh lost of license insurance


so if for whatever reason I lose my license I can't work, I get a certain payout, so I figured that covers the job aspect so in that way I didn't feel like, paying more for another, err insurance plan


ya,


ya err, I guess the problem is I mean sometimes you get it and then things change for example now they are, the what MediShield uh whatever care life and all that which basically they take over a lot of things, uh so is like


in a way I don't know whether it means that I can afford to like what you said maybe uh, take away a rider from existing plan or what because it's already covered, you know, another reason for example like my company also give insurance, and is co-pay so it's like very worth it so I get that and then I'm like eh if I go hospital now I have this plan I have this other plan also so it's a bit like


double uh, double coverage, so may not be worth it lah, I, I suspect should be duration the employment lah


oh okay


ya I mean we had the same problem with uh oli because he was premature right so they , err they didn't want basically they don't they don't want to cover him, so we have to wait until he's old or older and then you say like !hey! you know


now he's already five, he has no issues we've got a doctor's letter and everything before they are willing to like get a, uh underwriter to write oh ya okay we we can offer you this so ya I mean, ya this pre-existing condition thing is ya is a valid concern I guess


so it sounds like you don't get insurance from a single insurance provider your agent uh, it tells you the best insurance product that is out there


ya ya it probably is lah like the plan that I was telling you about I mean he was trying quite hard to push me to with it towards it so I think you know there must be some, uh they probably get maybe higher , uh commission or something like that


ya like he was showing me that this teacher who actually took out, that that loan thing he took out a million, I mean cause he has he's not married no kids everything so he's pretty much just like using it like for savings


and then uh basically at, the end of I mean X amount of years later he just gets one million, payout over X number of years lah so uh uh basically retirement right you will just get I don't know, two thousand three thousand a month when you retire


no is the one that I told you about this is similar to like a housing loan but it's basically there's no house lah it's just the amount of money, ya, you give basically you give seventy K you take a loan of two hundred fifty K


ya so that two hundred fifty K is is the amount that you will get uh once you retire or whatever what whatever term you said and divided by I mean let's say two hundred fifty K let's say you you you you say okay I get a payout starting, when you're sixty so uh sixty to seventy ten years for example then you two hundred fifty K divide by the ten years lah so you


get twenty five K a year, which is like two K a month you know, ya ya I mean if you are interested I can asked him to contact you, ya err


I think like now CPF I mean MediSave they go through the, like I have the dependent protection scheme so it's basically through Great Eastern scheme you will be good you you


use your CPF your MediSave to buy the the plan and then you buy the rider uh, to, supplement the plan lah yup so I have that uh


uh I think it's covered is covered under my other I mean then it will be cover under my, uh insurance plan lah the remainder ya


ya I that time I took insurance I actually bought travel insurance once I mean normally every time when you go holiday you get travel insurance which is quite relatively cheap, but I remember one time when I to rush back, because uh , then Nad I was giving birth right


and then I tried to claim it after that and I couldn't claim it which I was like !huh!, you know this is exactly why you buy it for right I mean, you are having to cut short your travel plans or change your travel plans, that you know this is precisely why you want it what what travel insurance is for right but then I couldn't claim it cause they said oh you know once it's uh


once it's related to pregnancy then there's no uh you know they don't, they don't pay up then I'm the ah what's the you know , ya exactly I'm like that doesn't make sense what you know, this is I mean who travels when they're pregnant anyway right so I was I mean I was quite


disappointed lah I mean I was like eh this kind of thing is a I mean you don't see it or I mean you don't really read the fine print I suppose but you would think that these products cover this kind of cases but they don't you know


are you sure there's no cap usually there's a cap ah, usually they will say something like oh, ya usually they say something like oh you can go and buy and then they reimburse you up to five hundred dollars for example or up to three hundred a day or something like that


ya, cannot be no cap [lah] (ppl)


negative experience part three, how any uh any, anything cheese you off recently


okay


oh okay


ah


yup okay


can you come and collect the money yourself


okay but at least you got it back


but ya but minus all the time that you spend and the hair pulling lah


!wah! that's a good deal, mine is I think, uh mine is, my stories are with like late, late charges like interest fees, cause like okay lah it's my own naivete I suppose but


when I got my credit card uh statement, then it just says uh oh your credit card statement now I mean nowadays is all electronic right so you will just get oh your electronic statement is ready for viewing and then blah blah blah, and they tell you how you can go view it


so obviously being so lazy, , I just saw like oh they put there , the minimum amount the minimum, is due on this date and this is the minimum amount you must pay of course minimum amount doesn't cover the full amount lah right


but I figured oh it means just that oh , for this thirty day period this is the minimum amount so I I I I started I I said okay, I was lazy to open up the whole thing so I just paid the minimum amount but then after awhile I started to realise !hey! how come I have this like late, fee or like interest fee


and then I ya late late late payment fee and interest fee so I call them and I'm like eh what's going on they were like oh you didn't uh, you you you didn't pay your your bill lah that's why we are charging you interest fee I said no I paid the uh minimum fee then they oh minimum fee just means that uh if you pay this amount you don't have to pay a higher late fee but


they will still charge you a late fee on the balance ya so I was like, this is is, no, no you ya you so you get charge the interest fee


on whatever you have not paid lah so I was like no lah I I you know to me is is not that, uh I've been dodging payment right to me is this is the minimum I I interpreted it as, ya oh I just have to pay this and then it keeps rolling right because I was lazy to check my


because now you have to like go online you have to put in your your whatever your IC or whatever password to open up, the statement whereas previously they will mail it to you right, so then I was like no lah can you like, waive it blah blah blah and then she's like oh oh I get back to you and then she's like oh sorry we cannot waive it


you know perhaps you want to I think two or three meh, ya so I was like pissed off right I was like, I mean sure is, is my fault but I find that the way they phrase it is just very deceptive


and then the like another time I had uh some, I think I have some, of course my insurance plan is linked with OCBC I mean Great Eastern and OCBC have a tie-up, so I use this like OCBC card to pay the plan


and then they, the long story is basically I last time it was by mail and I didn't get the statement for one month, so normally when I get the statement that triggers me to pay so for one month I just didn't get it, and then I start to see in my, following uh month eh late


payment fee then I was like eh what's going on so I called them and then they were like oh you didn't pay for this month I said oh I didn't even get the the thing, you know I didn't even get the statement, then uh you know it I was like eh you know this is my first time and, you know I already didn't get it and I've been paying


on time previously is just this time I didn't get the statement that's why I didn't pay so can you waive the thing and then they were like oh we'll we will put it on request and blah blah blah and then one way they tell you like sorry we're not going to waive it, so, ya so I was pissed off right I'm like


ya and to me it's like eh I've so many products with you I've so many products with you and you you, you don't want to help me do this so I'm like, at the earliest, earliest opportunity I'm going to exit OCBC


convenience lah, yup I mean they have acceptable uh margin of displeasure lah I suppose where they they don't care if one uh percent or five percent ah not happy with them lah ya mean so this I always get


eh so how was that that thing you said you had the the broken, the broken uh sunglasses right


but you bought all four from the same vendor or different vendor (oo) okay okay, I see yup yup


but just because a new toy for logan ah,


I see ya ya mean these are the problems I suppose for this online platforms, I think that time uh van ordered, dinner for us I think I can't remember it's Deliveroo or Foodpanda one of those, and basically is like they show on the screen that oh you order is uh


has been passed to the to the restaurant for example, but then it'll it will just be there you know there has be status there then it you are like eh so is it, true or not true you know and then eventually she has to like, call the helpline and then they're like oh actually the


the the, restaurant is not accepted you order for whatever reason I don't know whether it was closed or they are just cannot cope or, or the system is down whatever right and then, basically they are like oh we will refund you the money but ya sure you don't lose money but, that's thirty minutes gone where now we have like figure out


now we've to figure out oh where do we get the food from now because you don't want to like I buy I've already ordered then eh you don't know that your order is through then when you go and buy something else suddenly you get two two orders, come at the same time then you were like oh man so that's the problem lah so I mean we I mean of course ya sure they delayed they


, (mmhmm)


yup


ya lah I suppose I mean they want to have more I mean they want to include more


places ya but some of these places like like you say lah you know is they don't really uh I mean they're not used to this kind of thing or it's not their priority so ya they if they don't acknowledge or they don't uh uh use the system as what is designed for then


basically the your your system is only as strong as your weakest link lah, but ya and then the the, delivery platform they have to queue see all these restaurants lah you know it's like eh I, people are they order from you but you don't acknowledge the order blah blah blah then you got to either drop them or or fine them or whatever lah I mean I don't know what's the


, yup


yup, organising it ah ya


ya we I we ordered food during the circuit breaker period which basically you cannot dine in so I actually called this restaurant uh this Peranakan restaurant then we ordered the food I mean we called uh I called in ordered the food uh based on the menu online bla bla bla then they like okay I even set my pickup time


and then I showed up at that time so you expect the oh when you set a time you show up it will be ready right, so no meh I went there is basically two ladies in the restaurant and then there's a queue of like twenty people, so hope there's the table you mention for the deliveries but there's no system so I went there I was like oh do I have still have to queue because I've already ordered right so I'm like I'm looking around but everyone seems to be just standing around


and then there's a queue to pay so I'm like uh but you you don't know whether these people are queuing to pay or to order so I just go and then I ask the person like oh uh are you like ordering or what so I mean, the person is like oh I already ordered but you have to queue to pay then I was like okay fine so I I mean I guess that figured I I go under that so I queued up basically I queued up fifteen minutes to pay


and then I were queuing no to pay to pay for my order I've already ordered I have no idea at that point but I've put they don't


but you put you due you put a time when you want to pick up so I'm there I'm I'm there at the time in fact I'm five minutes early I go there and then I'm like eh okay so I said never mind maybe I've to pay first and then they will give me the food, so I pay I queue up fifteen minutes I pay and then she's like okay it's going to be thirty minute wait then I'm like ah what do you mean I said what do you mean I've already I ordered I called like


five six hours ago and I said I'm going to pick up this time then she's like oh we only uh we only make, we only cook when you pay then I'm like then what's the point of, setting the pickup time and, having a call-in service you know what I mean


I mean for family of five uh, ya I called that like uh basically I called at one o'clock for to pick up at seven o'clock something like that you know, uh


I mean at that time where you know they were saying circuit breaker you go and support all the restaurants so I've I went to see this oh this restaurant look sounds okay they have a, they have a number to call if you want to order so I thought okay lah try lah right, so I so I'm like hah thirty minutes okay I said then no choice right you have I've already ordered I already paid I mean basically if I want to change now ya I already waited I mean that's the irony right I cannot now go back and now I I go back with no food and then I have to change new plans again so I was like


okay fine right no choice lah then we all waiting there no one is uh, controlling us there's no crowd control we all just standing around waiting then people will come out periodically from the kitchen, with food and then like the two poor ladies have to match oh whose is this bla bla bla and then people are getting pissed off cause they like !hey! I been waiting


is a restaurant, ya and I ended up so I ended up, my I put my pick-up at six PM I ended up getting food at only seven PM, so I was like !wah! this is crazy lah I mean, they were basically not pre-


pared for, to handle this kind of volume or to handle people like all just taking away at the same time, I mean, it was quite bad [lah]


part two positive experience, so Ranjen have you had uh any positive experience maybe at a restaurant recently


Shopee rocks, I have no idea I I mean like I used to use this thing call I think it was like SG buy or, ezbuy or something like that but uh ya, I mean after Shopee I mean van has a Shopee app so I mean she already fit in all the details there already the address and all that so I started to just use that


but ya I find it quite alright, I mean they've quite a lot of products uh it's easy to, search for stuff ah like I, bought a I think a disket a basket of balls tennis balls for the kids


to use and it came like very fast like, I mean on their website it says like could take two to three weeks but it came in like five days kind of thing, ya although I mean of course ya I had to assemble it by myself but


and it wasn't too eh it wasn't too difficult, and uh when I was ya, I find Carousell is not bad for selling stuff also like when we were moving house I sold quite a lot of things on Carousell, uh it's quite easy I suppose you just


ya so what I do is I I I include the markup so I said okay if you want me to deliver it, I add fifty dollars so nobody ever does it right they will just come and pick it up none the, ya ya, not like I've sold like a big big


table light uh uh like a big toy that kind of thing like the toys like one meter tall kind of thing, they just give the restricting uh ya after I think Carousell was quite quite quite uh simple you know you just take photos and then you just post it there people ask you questions and then


if you agree on a price then they come and collect it, ah, ya you can negotiate I mean you can most of them a lot of them like if you put let's say you put eighty bucks then some people will will uh message you like okay forty dollars for quick deal which means like okay I don't care about the condition of your item I offer you forty dollars if you if you


accept I give forty bucks I'll take your item no questions asked kind of thing so in a way they low, ball you lah but I mean if you just want to get rid of it, it's up to you lah to, see what you going to settle for, ya I even sold my washing machine man Carousell


and then they came ya they came with a uh, with uh in fact it was this lady she came with a helper and she had the trolley and then they both I wanted to help them but they said no it's okay and then two of them lifted the washing machine onto the trolley and wheeled it out I was like !wah!, ya


I've no idea I think she had a I think she had a pick-up ya I think some of them are like , they they they maybe they they uh clean it up and then they sell it second hand for higher price maybe I don't know


ya but it sounded like she was buying it for her own use lah, so I was like !wah! okay, ya so it's quite quite good to get rid of stuff


Carousell I mean buying stuff ya second hand stuff I guess if you don't mind is good also lah Carousell but if you want new stuff then Shopee and Lazada I suppose, I tried buying stuff on Taobao but uh, the language is a problem


like I try to buy shorts and when I retype in, the equivalent is like it keeps come giving me pants, so you have to like you have to write like short pants and then it comes out shorts, ya


uh you can but it depends on what they set their filter as right, ya so anyway I was it was not that easy that's why I think like if they have the sites like what ezbuy or SG buy basically they are the middleman lah they charge you a little bit extra by they translate everything for you


which is of oh ya ya, it's basically they are like a middleman thing, ya Shopee is good enough lah cause I mean


then how


okay I thought they send you another one


ya sometime I bought like finger paint for the boys and, it was like maybe three dollars or something like that and then the delivery cost it's like one dollar ya from a I find some of the items is like the delivery cost is almost the same price as the item I bought like a stand for like my handphone


so it's like almost the same price as the delivery and then every evening you see the guy come with a van and basically is for the whole uh uh, the whole condo everybody's buying so he's like santa claus ah christmas ah


no oh you mean like uh, , I mean Shopee I think Shopee pays for ads on Facebook lah so they will just have ads come out and then it's probably stuff that you have searched for or bought, ya


ya I mean is is, they they they they buy the ad the and then they, targeted lah you know like they say eh you bought this maybe you want to buy some more and then they keep they keep sending you the same stuff I mean emails as well they keep sending me the same things


that I bought last time I'm like ya but I already bought it why would I need to buy more but I guess they ya, that's their algorithm lah, oh ya I should tell you about this restaurant I went to before COVID called Nouri you should bring lavina there ya it's like nourish minus the s h


and they do like uh it's like a fusion asian fusion food kind of thing (ppc), is at #telok ayer# near there ya, but basically it's like I mean the food is very good it's quite nice and then they will like I mean the waiters are amazing they will like come and then they will tell you oh


this is the dish what you see here is this then they will explain the ingredients how is being prepared is basically like almost every dish is like a two minute monologue about how the dish you know and you are like !wah!, ya but I mean of course by the by


ya but but by the fourth or fifth course you'll like okay this guy is just talking too much already, I mean, is is is nice to have all these details I mean you really feel like !wah! is like service and you are like really you see the care that they put in for every dish but after awhile is like it's just too much ah but anyway the food is good so if you


want to bring Lavina ah, is nourish minus the SH lah ya, oh I I I think I I googled it or I ask somebody then, the reviews were quite good so I thought okay lah just check it out plus it was near van's office so I just made a reservation then we went lah


err I think it's advisable cause is not very big, ya, so ya it was quite good, , and I think they if I remember correctly is like almost like open kitchen so you can actually see them preparing the food


uh and they're all like ya I mean they're all quite like quite young young people, so you see like uh, you can see like they really you know put in their love a lot of passion in their, food and everything so it's quite quite good lah, quite nice experience it's not like the ya


not very sterile you know like, all wearing white top hats, and then uh uh ya thought it was quite quite a good quite nice experience


no I don't I don't no I gave up no I don't, dab on TV and I use a streaming streaming box ah


, okay no


okay


I see


dude you still have a VCR


okay, oh not bad


I see, okay, but you have to programme for them lah, I see ya that's quite interesting but I don't have many devices lah


okay ya Shopee is quite good they, ya Shopee is I mean they also tie-up with like the local malls and the local brands like lego err and then you buy some stuff is like basically is from a shopping mall they just they provide the digital platform right to sell all these things


ah ya ya ya correct ya


I see ya van was telling me like and Lazada also has places where you just collect means if you don't want to pay the little fee, they have shops I mean scattered around singapore and then you just choose this as the pickup place they send your delivery there and you could walk downstairs to the shop and then you pick it up so you save the I mean if you don't want to pay the delivery charge which could be as high as I don't know five to ten dollars I suppose then you


you you just do that you save the money, ya but it save costs because is instead of now I have to send it to, ten blocks I just send it to one place so is instead of needing ten vans or uh ten trips I just send to one place who stores it for me and then I just pay them lah you know maybe they pay them one dollar per package or


something like that and then, they can they they can go off somewhere else so you don't need as many transport I mean you don't need an as many vehicles you don't need as many delivery uh personnel, so it makes sense lah I guess


ya so I think I mean Lazada has that I don't think Shopee has that, but ya, but ya I mean it's quite a popular overseas I think Amazon has like these booths like, is is almost like you know the public library one where you put in the pin and then the the locker opens so I think Amazon has that


I think you just go you would, you flash your QR code or whatever and the the locker door open and you just retrieve your item, so it's quite convenient lah


you don't even need to go to the shop you just go downstairs to the nearest uh locker to retrieve your item


no lah she helps to build Amazon okay she help to build Amazon okay, oh anyway if what after COVID if you want to go somewhere, I recommend you go to


uh COMO in Phuket they have like I mean we went there for like twenty four hours and then we have to rush back cause the borders were closing, right, but ya but the kids loved it lah like oli will always when are we you know when are we going back


they have a very good like kids club thing, we basically just drop them ya it's a hotel, ya COMO at Phuket we basically just drop the kids at the they have like a kids uh area play area


ya and then they have staff there to look after them play with them so we drop them there we went for like yoga class we went for #muay thai# we, ya and then meanwhile they were playing there and then at, I think three o'clock they bring them to the restaurant and then they make their own pizza so they can choose their own toppings they actually physically put the toppings on the the dough and then they bake it for them and then they let them eat it so it's quite ya they loved it lah


oh it's good, no lah is just a class you just follow the instructor ish no no no not at all is more like footwork and punching kicking I also the I was the only guy man in the class


you should consider , of course and then after that they got free ice cream also, ya, so the kids are like ya ya


the kids are like ya ya tomorrow I want this flavour tomorrow I want that flavor, so is, uh at the hotel but the location of the ice cream, uh, truck, is right next to where the #muay thai# happens so


ya, and then the restaurant is not bad too so ya, once COVID ends in like twenty twenty five you can go there


ya not so soon lah, next year lah maybe, how's your gym membership going on


no lah your other muscles are compensating lah so now everywhere is


part one finance, yes adrian I do I have a number of them


uh currently I have a mixture uh the main ones GE NTUC and uh Aviva


ah cool how long have you had insurance for


ya I think the ten cents every day or something, what did you start with


ah cool I have the same, ya I also started with uh the SAF ten cents a day, then uh, I think, when I started going to university like you uh (ppc) started with the investment linked life plan and also the critical illness


ah ya


okay cool do you have any uh endowment plan


okay cool cool I I started endowment plan I think after I started working uh don't know why I stupidly went for the longest time twenty five years, but uh ya lah I guess I'll see the money eventually and ah like you I got one for each of the kids so


the girls when they're eighteen and the guys I think when they're twenty one because of uh NS


, cool cool uh, what percentage of uh your income do you spend on insurance


ah okay okay


ya same I'm not really a investor so I rely being the insurance one is to really to handle my risk and then a small portion I guess will go to the investment through the investment link policy and the uh endowment plan


uh, maybe but for me I guess I didn't really change it much after I got married so it's still hovering around the ten percent ten percent marks so ya maybe it's time to to to relook at that


that's interesting ah this there at how long is it usually short term or long term


how how did you meet your insurance agent, not our terrence right


okay, okay ya I don't know him I I made mine from I think, my father was worried that I was uh, riding motorcycle at that time so uh he got the


he was doing insurance with Great Eastern at the time and it was through a relative, uh but that relative uh had since handed over to this new person and then we introduced him lah, so uh ya we've had him, since


and aside from that, had did you uh built on the Aviva term SAF insurance


okay okay the SAF one is pretty good because it's cheap, so you can actually look at, what are the it it covers your main thing and because is SAF it covers life insurance very well and uh accident insurance very well and is very cheap


so you know you just top up, a little bit you get quite a bit of cover so the bad thing is they don't have very flexible riders, so uh like uh your accident you know uh it may cover you for total permanent disability but your reimbursement let's say you you fracture your thumb you know all these small small things where there's no permanent disability


you still need your private insurance so what I did was, I got the SAF, insurance and then I reduced my coverage in the private insurance for accident just to cover this uh, uh hospitalisation through accident (oo) not hospitalisation but uh


accident insurance for like this small things that you go to hospital but you don't get hospitalised for


does your company plan cover you for life or only for the duration of your employment


okay the the scary thing is uh because if you get anything during this stage, then it becomes a pre-existing condition and if you want to review after you uh, uh you know leave the company then you might be excluded from any uh insurance coverage like in my company we used to be a a government company


so when we transition to private uh, a lot of our staff uh still had the the government uh, health care benefits and so they were very well covered until you know they retired but once they retire they realised they couldn't buy insurance to cover their pre-existing condition so uh


that's that's that was quite scary lah and they're already sixty so that you know they had all the heart problem lah kidney lah high blood pressure all these things so these precluded them from a lot of coverage


ya, yup


(mmhmm), so is okay okay


cool cool


I I I get it mostly from my I I I got my initial one mostly through Great Eastern, ah but ah what happened was uh, uh, my agent is getting quite old and uh he doesn't spend all his time in singapore


so I wanted to spread my eggs and then after that I discovered the the SAF insurance and that was really cheap, so I I kind of maxed out that and then when my kids were born


I I looked at other uh providers line and it's it's it's it's interesting everyone has a different opinion and uh different approach like my old my my initial agent was was very good in the sense that he looked at insurance from a risk perspective


so in terms of risk I'm very well covered, but uh in terms of uh investment, like a lot of the younger guys that I've approached they they uh they show me other


other policies lah and might be a hard sell I, don't know but uh ya it does open my eyes to a lot of alternatives, ya (ppc)


it's is a uh endowment plan or something else, so to how does that work you give X amount after certain amount


okay okay, did you top up your CPF insurance, like do you think the coverage like for example the hospitalisation, did you get the uh are you still using a


uh, MediShield or are you using the, uh enhanced riders and then are you through CPF or and are you topping up cash


okay, what about the the cash portion because the CPF one covers only uh the, the


after after they deductible and the co payment, like uh if your bill is ten K maybe they only cover after the first three K and the remaining seven K, they only cover uh maybe


okay okay right I


even if it's not your own pregnancy that's that's ridiculous, ya


ya actually the fine print is the most uh crazy part the like uh once I I came back from a holiday my uh but my luggage got lost in transit


so they delivered it the next day but because I was home it was no big deal so when I tried to claim the insurance they said, oh uh, there's no, there is coverage for baggage delay but is a X charge so for example if because of your


uh delay in luggage you know you have to buy shoe shirt or whatever for work, then we can reimburse you for that and it doesn't matter the price but because you know you didn't there's no kind of hardship, allowance so I was like what


then I might as well have you know gone shopping that day buy shoes buy shirt buy everything and then I could've, sorry, maybe maybe I I suppose is as as reasonably charged lah or or maybe there's some fine print over based on the cap on the insurance type


possibly possibly, ya


negative experience


not recently but I had this uh spectacular experience when uh I went to australia a few years ago to visit my sister and we went to sydney, and needed to rent the car so I was on rental cars dot com


and then uh, I saw this very awesome deal where they had like a Camry, for ten days for five hundred dollars, aussie, so I was like !wow! this is wild


so it was a lesser known brand, and uh it was not in the city, uh but they had, err, uh, a bus to the to the car and the venue so when we landed uh family and kids wife and kids waited at the hotel I took the bus and went down to the


the place to get the car, and uh got the car then they ask me do you want to uh top up the insurance because, uh the the, the deductible was four thousand lah the accessory four thousand uh aussie


I was like oh shucks that's a lot i thought it's usually in a couple of hundred and they said no, so I ask them how much is it to to reduce to to zero, then basically the price doubled, so I was like okay maybe I am not going to risk it so I did rented the car and then uh we've drove around and uh somewhere in between uh another car came and knocked us from behind


and the bonnet was dented quite a bad accident lah uh not as in quite a bad accident in the sense that the car was damaged and, couldn't be used again lah the bonnet couldn't once you open the boot the the the boot, couldn't close so brought it back to the shop did the paperwork all okay they gave me another another Camry


uh uh, almost immediately lah I spend about, two hours doing the paperwork and then they gave me a new one and then we were on our way, uh but they said because until the insurance and the investigations are over, they will have to make the deduction immediately


alright, so four K deduction, and I'd to ask them so how long does the insurance take because you know this quite clear the person knocked us from behind and then there was a witness who came and scribbled his name and number on a piece of paper in case we needed help so I thought that was helpful so we gave his contact as well


uh and, they said they'll take about maybe four to six months, right to get the money back, came back, and I basically every month I email them and uh they took forever to respond and uh


I'll call their hotline and their hotline is a generic, number, so and I I want to call for claims and insurance it will just ring and never stop, and when I try to call the original hotline they will transfer me to this number and basically ring and never stop


and so for, about six months basically it was was going on like this the email was not answered until we got the hotline and then I was able to get the email the direct email of the person at the at the shop


then when I emailed them, they transferred me back to the central email which was for insurance and uh access related, and and finally uh, when they got got someone to reply they said oh sorry sir the other person is not contactable and because they're not contactable the insurance uh we can't we are unable to settle the insurance uh


as soon as we'd have liked and so every month I will send, and then maybe eight months down the road they said okay good news they've settled the insurance once it's all in order we will reimburse you, right, nine months uh sorry the paperwork is not done yet ten months paperwork is not done yet eleven months they say uh sir


we, can't reimburse your bank account, uh uh, because you don't have a local bank account ya can you give us uh other details or do you have a local bank account to reimburse us


and I was like what the hell come on you can't do this at least just reimburse my my my credit card you know and give park the credit there and then they, said okay sir then one month later and said sir sorry the person who has to approve, uh is on long leave uh we are unable to do it immediately and I said


surely it's not going to take this long and and finally the only way that we got it done was uh because my sister lives in australia I ask them to reimburse her account, and even then they only got it done ten months uh two months after that so basically to me fourteen months to get back this money and basically about twenty emails and a lot of phone calls


so ya I got it back lah , but the good thing is because I got travel insurance, they reimburse me partial of of it upfront, so I made a profit of like two K


what about you man


what, I thought if you pay the minimum you don't get paid the late fee uh you don't get charged the late fee but you get charged the interest, ya


how many months did you roll over, ,


OCBC ah I I find that OCBC very very uh, un-user friendly, the other banks are not so bad, ya


ya I think after OCBC introduced that you know the the that interest rate, the extended interest rate for those few criterias a lot of people switched to OCBC and now they have the volume, uh


people don't want to switch out of it because of, the benefits that they get ya the the perks so I think as a result they they, they they seem to think that they are, they can they can get away with it lah


ya, ya so that was


that was came it came delivered uh, broken, you know and uh I I I took a photo and I send it back through Shopee and said !hey! this is uh uh uh


broken uh uh can you please uh refund me and when I press the, the request for for for refund, err, and then I also message the shop the the vendor through Shopee


uh to let them know this had happened and send them the photo directly and they were quite fast on on on on the messenger and they said oh you know can we uh uh I send you a new one if you have another order then I said I don't have another order at the moment


then a few days later uh I got this message that uh from Shopee that the, the vendor disputes my uh uh payment nah ah my refund then I message them back I said eh how come you're disputing the the the payment oh no sir sorry that's just uh after we got it


we we we wanted to uh, request to send you another one if you had another order, that's the only reason but uh we've since uh accepted your refund and and we process it and then true enough a few days later I I got the notification through Shopee that they have


uh refunded the amount back, ya so quite cool lah I , no no different different models different sizes just just to get a feel of, what uh how how uh the wife would


rate different kind of glasses and because they are like two dollars three dollars it's not an investment gone whereas you know and and ya this just just to get an idea lah, for an ya ya logan will break it


and and some of them are quite quite uh, they are not branded but you can see the designs uh match certain brands quite well, ya ya


ya yes ya


ya ya, do you do you see a difference between Grab and uh Foodpanda, I I don't use Foodpanda but I use Grab and uh, uh, it's all process related so is like order has gone through


it is in process your rider or driver is going to collect the food your food is cooking, you know or your food has been collected so all these stages I suppose you need someone to uh acknowledge and update


you know uh and if it's not it can only be as good as the person who is acknowledging or updating, ya so like uh I I, guess those restaurants that don't acknowledge your don't update as quickly as possible


won't get that many good reviews and from the driver perspective, if it doesn't acknowledge means is not going to pick up the food lah


I think most of it will come through the user feedback, the reviews ya, one thing that I do notice though for this uh, food, places especially those smaller ones uh, uh a lot of them do take up this offer


ah but, you know they just make, they make make make make make, and then they leave it outside for collection, so but this collection ah is not monitored by anyone because they just can't spare the resources to wait for


how many drivers to come and collect and this is your order, so, and I guess the collection is through the driver so if the driver clicks collect, that means uh it's been collected lah


but I always wondered right it because a lot of it it just left outside if anyone just, takes it doesn't acknowledge, the person has made it, the driver is there but he's got no food to collect I wonder how they settle this dispute lah but I guess these are exceptions lah rather than the norm because when I went to this uh Ramen restaurant in #ang mo kio#


they don't have space and because of COVID they don't want the drivers coming inside and waiting to collect the food they just have a table outside, so and they're very popular so there's a whole bunch of order sitting outside with no one uh


uh supervising, so anyone can go in and because there's a long queue outside because people are waiting to get in and waiting for people to go out I, payment ya if someone is fed up they hungry take one and go home and eat lah they won't know what's inside but


uh ya I these are things that I notice lah


you are queuing fifteen minutes for them to cook


so food is ready, they don't accept pre-payment


but you called six hours or you made the arrangement six hours in advance, oh it's not through the app it's it's your own uh Lobang


, ya, you waited already lah ya


part two positive experience


talking about restaurant because of COVID we haven't really been going out, but as a result of COVID I have become quite a Shopee uh, uh I I go in Shopee quite a bit to look at things and buy stuff


so , ya uh how do you compare Shopee to Lazada


ya is insane, (mmhmm) (mmhmm)


ya they they have a lot of good filters, do you have to arrange for transport


okay fifty ah !wah! what are you selling man


okay okay


oh you can you can bid ah or you can negotiate I thought is fixed price you know


right right, they collected it they have truck


that's wild and they had they what put in the boot of the car, or they have the lorry outside


ya man this #karang guni# business model is quite, quite clever through Shopee or Carousell, okay okay


(mmhmm), , so it translates for you can't it type ot it directly into chinese


okay okay okay uh


oh okay I've not heard of that I've not heard of that, because basically everything I get through Shopee these days, and and most of their products ya most of their almost everything they sell comes from


from china so even the filters ya you know you apply okay, exclude certain areas or, only buy local, then your your your, options reduce drastically


and it's amazing the price the price is uh so cheap including transport, I remember I was looking at sunglasses, I bought like four just to to get a flavor of what my wife might like and they all cost two dollar three dollar


you know and you wonder like the transport of these things can cost more than two dollar three dollar I don't know how they're selling and and one of it came, and it was broken in metal, so the frame was broken and uh I I said it came broken I send photos back


uh and they reimburse me the full amount, ya so I uh, I they didn't offer, they said if I make another order they can send it together I said I'm I'm not interested so they didn't offer


do you find that uh it Shopee somehow whatever you buy on the Shopee gets linked to your Facebook account, no so in the ads the ads that pop up


eh but it's very targeted ya exactly


so they explain the menu lah,


ya how did you know about how did you find out about it Nouri NOURI I suppose


you've got to make a reservation is it, okay okay


okay okay, ya thanks for the suggestion sounds sounds interesting, #telok ayer#


okay eh I've meant to ask you uh, do you do you use uh SCV still, Starhub box no more Starhub box, uh you have a soundbar


no soundbar so just one TV, ah okay uh I just, my brother introduced this to me and I got it through Shopee uh it's call a Logitech harmony uh remote control


I don't know if you've heard of it ah what it does is it basically I I have like four remote controls one for my TV one for my soundbar, one for my VCR one for my Starhub box, alright and every time I want to on I have to like take three remotes and use them in various sequences to to operate and now that I have a one year old


I always have remotes going missing, so my brother introduced me to this Logitech uh harmony it basically combines all your remotes into one, and it gives you customisable options and it's very smart so it will give you an option like


this this control is for on-ing your star box so it ons your TV your Starhub box, and your uh sound bar, right and it knows that your channel is supposed to go to your SCV box your volume is supposed to go to your uh Starhub uh sound bar right


and you can even customise certain buttons there because the problem I have with my TV is sometimes you know your your cable goes into one particular input, and if people press the wrong button then that input would runs


so you can even customise the button to say okay if I press this button it's for the TV it is for the input and it'll go back to my correct input, ya and then and I have another one, another function it goes to uh VCR so it ons your uh VCR sound bar and TV and not your SCV box


and then you can do, okay not VCR lah the DVD player sorry the DVD player uh ya, so then then it knows lah your buttons volume go sound bar uh uh eject whatever goes to your


uh, DVD player and then there's another one for your uh Chromecast as well and Netflix, so I got one for me I got one for my in-laws thinking of getting one for my parents


yes you have to programme for them but it saves the hassle lah now you just have one uh one remote, right ya, ya ya so it not not not not so suitable for you


I was quite disappointed I thought we could get it at challenger but for some reason they've stopped selling it so uh only I found it through shopee it's a bit expensive because they seem to be the only ones providing that version, but uh but it's great lah is money well spent sorry


there is a filter I think support local or local, so those are good, ya recently I went to buy like stuck at home right and instead of like going to NTUC to buy your crate of beer


just get it through Shopee and and and they have a lot of uh they have the the common ones they have the what's the word for it ah not boutique craft they have various brands of craft beer and uh you can just uh


pick and chose and and because of the reviews, you know which are the better ones which are the not so good ones


I don't know how that actually works because the company has to transport it to that particular place I supposed they, and different ya I suppose


ya I suppose if you have the volume then ya


uh that's cool speaking of amanon Amazon nothing related to our conversation but I saw a meme, today, uh about the richest lady in the world, and it's uh bezos' ex wife and it says below source of income divorce


it was great totally unrelated, sorry, that's what I said


it's a hotel it's a hotel or area what did you say, COMO, play area ya I I notice they have that in ya


that's wild but more interestingly, and importantly how is #muay thai# with van, like what sparring or just classes or technique, so is most of it like uh stretching and skipping


you sneaky fellow you, you plan it ah


what, wait free ice cream at the #muay thai# or the kids' place


bloody hell, we were thinking we're going to go to new zealand again cause that's probably the only place that will open but I think uh, they're not going to accept visitors from singapore


what gym membership, , uh basically I just do physiotherapy once eh in fact tomorrow I'm going for my therapy class I told you about my shoulder right, ya going tomorrow the pain is just running from one place to the next


ya I blame children, correct correct it's uh actually the doctor said is mostly uh posture related, so I was like doing uh exercises and she told me to do this angle !wah! I hurt like hell then she adjusted my posture and she said and then after that !wow! it didn't hurt


investment strategies and opinions, okay do you think investing or trading is similar to gambling I strongly feel yes it is gambling I mean in the sense that, my own experience


err with investing with the, Citibank and err what we did was uh we invested a certain amount of money and actually it was a bond, so what happened was we, were investing in australian dollars so what uh actually happened is


they actually didn't tell us that okay there is an exchange rate and they will reduce the amount and then after that there's a, like you know for example you invest about like hundred thousand for example then they tell you that okay the exchange rate you will be only getting about seventy four thousand australian dollars because the exchange rate is such


then on top of that whatever dividends you're paid back is in australian dollars, so the thing is when they did all those transactions and everything goes through it is a bond that was supposed to last until twenty twenty four or twenty twenty six but


suddenly one fine day you get uh information from them saying okay, you have to sell we are selling your bond in two thousand sixteen that means we invested in two thousand fourteen suddenly two years later they tell us that okay ah we are selling off your bonds so the thing is this this part of the gambling process is like for example


it is your money but you are not in control, and what happens is they just kind of uh use your money they are investing they get the in fact the, the transaction exchanges that they had like for example the exchange rate and also the total amount that was invested in seventy four thousand instead of what the original hundred thousand looked like


then when you do the exchange rate again we are at the loss because again there is a exchange rate uh laws which eventually brings down your money some more and totally at the end of the day


they said you will make thirteen percent per annum and you will be paid in two dividends so two dividends meaning six months once and also uh like for example in june and the next one will be december so thirteen percent of seventy four thousand australian dollars


then when you are getting the money you're supposed to put it back into your, uh investment and after that supposed to double up and all those things but the doubling up never happened what happened is they actually collect the money they keep the money they use the money but at the end of the day when they sold off


we only got sixty four thousand in fact from seventy four thousand it became sixty four thousand and the thirteen percent that we earn was the money that was already there, that was put in the hundred thousand so if you calculate all the misses and everything we lost about thirty nine thousand kind of thing it's somewhere like you will lose about thirty nine thousand


this not the exact amount that I lost or anything but it's something similar to that so the thing is it's about, can you imagine you invest hundred thousand dollars thirty nine thousand loss and it looks like as if you made money but you didn't so like this is what I mean we are gambling you put in money to win so when you put in money and you don't earn back the money you seems like you're winning but you're not


what is happening is somewhere along the line the transaction they are winning we are not winning and uh it's in this bond thing where suddenly they decide to sell off after two years we were like eh how does this work you are supposed to hold it on until twenty twenty four so that we make the money but no


they just sell it off and when you are a small investor and everything I very strongly believe that a lot of banks or whatever they don't actually care for the individual so much so that, you become like redundant okay once you've done the investment okay they've already pumped in the money they're not going to put anything more so we don't have to bother about them


this kind of attitude is what I felt they had and everything so I feel like again and again if you go to a gambling table the person who standing opposite and dealing the cards he just dealing the cards they're just doing their job, there is a bigger thing you need to understand what is this whole investment okay you must be prepared okay in two years time in one year time they decide to sell they decide to sell you have no control you have no say


so whatever money you put in the exchange rate, and the amount that you told the amount of sum that was promised to you will not be the sum that you'll receive back same thing that happens in insurance as well in insurance investment if supposing you put in the money and suddenly you want to take it out you cannot take it out it has to be there okay fine well and good but


for insurance the number of years is twenty years thirty years is a long term investment and you cannot see like maybe you might get three hundred four hundred dollars from there every year, but you might have put in a lot of money but the thing is same thing for bond same thing for insurance investments the kind of investments you put it's a gamble it whatever it is whether you like it or not it is a gamble you want to make money you're going to lose money you


there are some people who are lucky enough to, win in the gamble but not everybody so the thing is you cannot go in with your eyes closed and I feel uh trading and all those things you really really need to know your maths you need to know what is the market you need to know how these guys deal and at the end of the day what can you do as an individual


so, that's that's my feel based on my experience with investing now now I've invested with the insurance and that too for my mother's sake, and err we pumped in some money and uh they actually err using


chinese uh stocks and markets so what happened was thanks to COVID err not thanks in the right way but thanks to COVID the market shares all went down so what happened was everybody went in to buy cause all the stocks were low, so everybody went in to by everybody is like buying whatever they can if you are if you really follow the market you will notice that


once china, actually came out of the COVID with their life they seem to be out of COVID or whatever I don't know how it works for them but all the markets are dominated by chinese investors, so if you notice how they manage to buy up everything stocks shares you name it they've bought and today the prices are going up higher and higher and higher


and they sell and guess who are the millionaires so that's why I said so when you strategise and everything this a gamble that you take and you have to make sure that you are


you need to strategise you need to work you need to so the when you even when you gamble you need to know like if you put in ten cents or you want to put ten dollars the amount you put is, makes a difference and the one you get back makes a difference and how much you lose also makes a difference so these are the things that you need to


understand so yup, that's my, P opinion


okay so the thing is uh basically ya you're right I mean based on that I if I were to look at number four how would you recommend a student or novice with little cash at hand to plan their investment and journey


basically I will just totally totally tell them to study the market well as in you see COVID is a pandemic that nobody expected the same way market trends and everything crashes so they need to know when what can happen what are the risk factors


know your risk factors like what it said moderation is the most, important word down here but, as long as you put in ten cents you are going to get twenty cents if you put ten dollars you going to get twenty dollars so you look at the sums and everything and do the maths, and make sure that you do have


like I mean this is what I'm telling the student you need to have additional case you cannot go and put all your money, in one basket that is one thing if you're going to put all your eggs in one basket not money but eggs in one basket if one basket gets destroyed that's it


the whole thing is gone you need to partition you need to know that okay you can put in here ten percent here thirty percent here you have to value you must add value to each and every one of your investments and identify what is going to give you


something something rather than nothing so the thing is at the end of the day you are always investing in order to make something nobody is going in to make nothing not down there just to test waters or whatever you don't test waters in investment, so the most important thing is yes I want money I want to make money so when I put in the money I want to get the dividends at the same time when I want to get the dividends I want to make sure that the dividends is


substantial enough, for me to say okay I did a good deal not like I just go down there okay lah I just made ten dollars I'm happy I putting ten thousand dollars and I make ten dollars it doesn't make sense, so the thing is, you must play the cards well in the sense that if you put in ten thousand dollars you are at least aiming for thousand dollars at least


because then there's some sort of investment with proper, thought process and everything so that's my take I will tell the students make sure make sure you study the market make sure make sure you you know anything can happen is this where COVID is a fantastic lesson for anybody investing


okay negative aspects of product review ah how #shen rong# you got something to say or you want me to


yes


ah ah mine is like online okay basically I bought a online kind of condenser mic stand then err stuff, okay I ordered it three, months ago the thing is their promises they deliver in thirty days


but it took them three months they say it's on the way on the way on the way, so thing is at one point in time I gave up I say please give me back my refund they say no no no we will send it to you immediately it's already there uh it's just that some some problems and everything okay then you call that the biggest biggest joke is when you call them the only


reply you get it is on the way it's on the way it's on the way for three month I mean I I must be a very patient guy so basically this this people , they say uh we it's on the way on the way I said you better give me the refund, or I have to go to consumer court, and no they they said ah no no no will deliver will deliver will deliver so eventually after three months I got my stuff


but the biggest thing about it is it doesn't work, okay so first of all it comes late second of all it doesn't work, so when you try to do everything whatever possible and YouTube is a blessing it just teaches you what to do and everything and when you rectified and now it doesn't work you call them guess what they tell you ah no it err I think you didn't connect something and then that's it


the you did not connect something properly is the only answer you get, then after that you ask again and then you did not connect so who am I talking to I'm talking to machine or am I talking to the human ah human being I don't know but basically what happen is they keep doing this to you every now and then and then finally you tell them okay I'm going to put this up and what I did was I actually went on to


Facebook I went on to wherever possible, to highlight the fact that this is an item that is faulty doesn't work so stop ordering I get a wonderful email, from somebody from their department say oh we can see that you were unhappy everything uh actually you didn't have to put it up in Facebook you could have spoken to us


I said that is what I've been trying to do but you have not responded to me you have not even ah you just give me one standard reply you fixed it wrongly I I I you think what I was I I follow the instructions I followed everything and then you're giving me this but you know when you reply to the email guess what


you will get the answer reply after five days, then for one question you ask it come back then I say is there any way I can contact you and talk to you nothing and then there's no numbers nothing that is you are able to communicate through other than email or


you have to do this Facebook thing and then they will reply so the thing is they're very scared of social media but they're not scared of the customer, losing a customer because they've got too many people buying from them, so it's really really ridiculous, that this is what they do and and telcos


I can never stop talking about them because for example StarHub SingTel you won't believe how long you have to wait in order to talk to a customer service now they tell you oh okay you know you just have to go and email your questions what the post your answer


we will get back to you in three working days it never happens, it can be three working days to five working days they will still take their time StarHub M one SingTel you name it they they if they answer there are times when I've taken the phone and I said !wow! you decided to answer thank you and then they said err what err


so what happened and I said do you know how long I've been waiting on the line and then after that, they will say oh no you know there too many I said ya that means that means a lot of complaints right there's a lot of complaints there are a lot of people who are not happy and what are you doing about it


then after that they're like uh sorry sir what what is the issue I said the issue is basically you're not answering the call and I need I needed something that was like five or seven days ago and now you are answering the call and now I would like to know, why that


you charged so much of money when I don't I already paid my bill and everything and you know what's the answer oh sorry we billed you wrongly, so they billed you wrongly and they don't rectify it and when you call them they said oh okay next month will minus off that means even then they don't refund back the money they will refund I mean next month you don't have to pay so they will cut down


and the amount was like exorbitant like for example monthly I pay about err six something seventy max I go to seventy dollars, but , they sent me something that was one hundred over dollars and then they telling me oh next month they will minus off then I said next month


but I paid you this amount of money what do you mean by next month, then they said oh err, oh sorry sir there's no policy where we can refund so can you imagine they did not have a system they exorbitantly charge you suddenly and I don't know where they got the information from and there was once I had a huge argument with one of the telcos you won't believe it


we argued argued argued argued until the end of the day then they you know what they told me, oh sorry the mistake was on our side, all the while it was my mistake then after about, uh ding-donging six seven hours later they came and said oh sorry sir uh we was on hindsight uh we can see that there was a mistake on our part said !wow!


and do they do they apologise do they say anything about it no they said okay will rectify will get back, to you nothing and they don't get back to you, so you can wait and wait these people telcos I don't know what is the problem you see people are generally calling them or anything with you know a lot of queries a lot of answers they should have


enough manpower enough people there to answer people if they cannot do that then they are not a telco, really seriously you are a telco service provider and you cannot answer people, how, so the thing is they give you emails they give you


every other sources but they don't get back to you that's why I said you can wait for three days seven days whatever then you call them back I thought you said you supposed to call me in three days' time oh err err no err, there's no nothing indicated so I said what do you mean nothing indicated hello excuse me it's something important for me it's not important for you they say err sir what is it you want eh


actually so you like, I want okay, then you won't believe it after they have answered your line gets cut, they had talking and the line gets cut do they call you back no you again have to call and


wait and wait and wait and then after you won't believe it after the line got cut, I wait I call and I you won't I silly literally put my phone on speaker put on charger waited three hours later the person pick up, I said I was talking to one of your customer service


who rudely cut me off and after that, didn't even call me back when I was halfway in fact halfway the conversation was going my issue is not resolved can I talk to your manager then he said uh sir sir sir no need no need you no need talk when uh no I don't want to talk to you I want to talk to your manager because at least I think his phone will not get cut his or her phone won't get cut


then they all start panicking then I said I think your service really really sucks then they said uh sir but err it's not my fault then I said ya exactly it's never your fault but you represent somebody, who actually it's creating all these problem for me so what what do you want me to do then they like uh but what what is the issue no I want to talk to your manager so can you do that but they will never never put you to the manager so I I I this uh this telco thing it's a real real big big headache


okay okay mine is err I mean I totally agree with you but as as far as traveling is concern for now with their stall and people coming in and going out this stall but I like to talk about food and beverage


and err my experience actually uh I like to talk to about uh Gokul restaurant a vegetarian indian restaurant three aspects of their services that I really really admire, first one is their catering second one is their food delivery to your house


and third one of course dining in experience so, basically when they actually cater food you see normally caterers are very you know they come they set up they go they don't wait around to check whether okay the food is okay or not they don't tell you to K eh err would you like to try see whether


is it up to what what you what you wanted and everything, see they they take the time to understand whether the customer actually enjoys what they have ordered and is this what they really want and actually what we ordered is what we get but you see in this occasion what happened was my friend had actually ordered


a dish thinking that it's supposed to be a item that was in their mind but when they spelled it out they spelled it out as an item they brought so knowing that there was a mistake down here


the guy who actually brought the food actually told the guy don't worry just give me a few minutes err my guy will send the item that you actually want, so the thing is can you imagine one whole tray of food was totally taken out of the thing and exchange because the customer made a mistake


and they actually, change that that that that really that I was like is this really happening normally you go to any other caterers anybody who caters like this never ever can you see an attitude where they want you to be happy