knowing that I've made use of them for this long it feels good so I think I understand what you mean by you know just it could be a big ticket expense but if it's lasted you this long and it's it's giving you everything you wanted to and more , I think that's something we can appreciate


right right they're not, and you were saying about like things that people are crazy about right I think one of the things that people are most crazy about is bubble tea the bubble tea craze that's been going on for I don't know how long has it lasted I feel like people have been


ya , and I think it was recent maybe in the last year or year and a half is when we just just had like so many bubble tea shops sprouting everywhere like different brands were coming to singapore and now I think in


in any given more they're like ten different brands of bubble tea so it's quite crazy and I think most people really enjoy drinking bubble tea so I mean if I had to pick my favourite bubble tea , actually to be honest I don't love bubble tea at say I'm more of a Boost kind of girl but


if I had to pick a favourite bubble tea I would say because I'm very simple and my taste I would go for something like each a cup for quite a few reasons I think first each a cup has consistently stayed affordable over the years so I remember each a cup is being like that bubble tea brand that was around when I was in secondary school


I used go to like the local mall and I'll buy bubble tea from each a cup so , I think that the price has stayed like consistently affordable even though we are it's been so many years while I would think in comparison lots of other, bubble tea brands like I mean a cup of Playmade can easily set you back like six dollars and then there are those there are those really like extra Atas one like Heytea or something in orchard like bubble tea can cost like what seven eight dollars


and I think it hurts me to think about paying that kind of money for bubble tea so I stick to very affordable very basic things like each a cup and I think you know each a cup , that oreo crush from each a cup is what I remember drinking when I was much younger and just drinking it again now gives me a lot like nostalgia factor because I just remember oh you know I used to drink this like ten years ago ya so definitely and I think I mean it's


affordable they they do like they still and they've extra expanded in terms of like flavors to I supposed to keep up with all the other flavors that different brands have been coming up with I think maybe one thing that that they're not doing so well in it's in their choices of , pearls or toppings because I know brands like Playmade they have they you know one of the biggest selling points for them is that they're handmade pearls and they come in like a variety of different flavour so like the burnt caramel ones I have to admit those are really


really really sweet and really good but I think each a cup pales in comparison because they don't have that wide range of , power choices ya so do you drink bubble tea


is this because of like , a health consideration like are you taking care of


eh you were talking about makeup just now right so interested to know about your skincare habits as well , so what kind of skincare are you using now


there's that fragrance consideration as well right like


oh okay, ya, and and I think it really the ordinary is so affordable as well right, ya it's it's it's, it's all affordable it's like what like ten dollars or something which I think is very unheard of a most skincare


products nowadays can easily go up to like in in in the smallest vials you know it will be like , this much, like tiny amount of like, product and then you have to pay like forty fifty dollars and if you're using it regularly as you should be it won't last you very long so I think the ordinary is really one of those brands that is somehow able to retain a huge


like customer base because of how affordable it is and how effective the products are ya, I think for me like I I don't I am very very simple skin care routine in contrast I think one of the biggest reasons is because I'm very lazy person and I think the more products I think about having to put on


the more the less likely I will be to do it so if I keep so if for my skincare routine now is really just, toner moisturiser sunscreen it's it's the most basic thing ya so , in terms of products that I use I actually a couple of years ago I I had like just crazy acne I don't know what happened but I was trying all all kinds of different products that you know you just google like oh what's the best brand to help and then I tried like a bunch of


I I cycled through a bunch of different brands and they just like didn't work for me I think even I tried the ordinary for a period of time and I don't know whether I was using it in the correct order cause of course the skincare also it's about how how in what sequence you use it so, I'm not sure if I wasn't using in the correct order but I just realised that wasn't working out so what I did in the end was just I went to like a skincare clinic like a dermatologist and like you know I was just like please help so I think


that was like two years ago and since then like my skin has just drastically improved and because of that like knowing that they helped me, like changed my skin I feel very scared to try other skincare products now because I think I'm , I'm a very like a creature of comfort if somethings already worked for me and it's working fine like I don't want to try something new even though it could potentially make my skin even better so I just buy the products from the clinic itself so like the toner that I use is like some in house blend


toner that they have I don't really know what inside but it has worked for me and I mean in terms of moisturiser I actually I use , simple skin like getting simple is another one of those brands that very affordable and , it to my limited skincare knowledge it seems to work fine so I use like simple skin moisturiser and


things have been working out good I think the problem with going to like dermatologist and using products from those clinics is that the prices are quite, like quite scary so like I mean toner is something that I use twice a day on the daily right so I run out of toner really really fast and like the a bottle of toner at my clinic costs like about forty dollars so I realise that I spend about


I think a toner last me maybe a month and a half like a bottle of toner so it really does add up like purchasing the toner from the clinic every month and I have been thinking about making a switch because I know The Ordinary also has their that


that that toner right what is that that is it, do you have it, ya


I think one of the biggest things about skincare is that they of that sometimes they package in such a way you have no idea what's inside the thing that you're using and it's very scary so I think transparency is something that I value and I look for new skincare products like I just want it to be very fast free I just want to know, what's in it that works and how is this thing helping my skin and like I don't want it to be like oh look we are using like twenty special ingredients that we've gotten from various different continents and like you know I don't want it to be like fancy and and like


give me like lofty promises that that are not going to deliver on, ya I just want it to be very simple ya so I think for sure skincare transparency effectiveness and how affordable the product is is something that I


I think I saw that you recently got an Apple watch right and I've been wanting to buy an Apple watch so can you tell me what you think about your Apple watch


oh okay okay


right


ya I also think that like now, there is like the digi banking services so it helps, making the , helps make the banking process easier so I can like keep track of like my spending and like and like make transactions also quite, fast and like ya it's uh easier than like passbook


using like the passbook and going to the bank, physically ya ya uh ya


uh I have like only one, uh debit card , like a visa debit card and like it allows me to like use the visa paywave function so you can just tap, your card on the receiver and like make a payment you don't actually have to enter any pin number and also it allows a normal nets transactions and I think it's quite convenient when you don't want to pay in cash and especially nowadays in COVID situations where people like cash can also transfer like infection so like people like to use


, like credit cards and the cashless methods of payment, better what about you ya that's true


I think that's one of the reasons why uh uh I think that uh I don't have like a credit card because like, it will allow you to spend almost like like quite a lot and much more than like you actually should and like, budgeting may be hard if you have a credit card cause like the limits are quite high and then also you have to like pay like


with interest right like you have to pay uh when you pay back, for like what do you spent on the credit card you have to pay back with some interest so I think that it will not it will be quite bad for like budgeting purposes for me, personally ya exactly yes that's right


so also do you think that people should open joint accounts, ya


ya I also think that like it's good when you have like common payments to be made like grant or like groceries like you know like maybe not only for couples but like okay if like you live with other people like for example your roommates it's good to have an account where you all can like jointly


pays pay like your common , expenses from like rent which and then like you can also track who made how much contribution and like it's just easier to keep track of things right, ya


so actually uh at what age do you think people should be given, their own ATM card going back to the, uh credit card and debit card thing, ya


I also think that like like children are a bit less careful with their like details so like it I think they're like very vulnerable to like frauds also, so like they might just give out their like ATM card details to random people like if they're like, that naive, so like I think I really think like it should be after they're like fourteen at least


that's when they should be given ya the credit card ya exactly


uh I'm not so sure actually but I think, that like I mean, cashback is a good uh reward system like at least like you get I think in cashback system you get some of your, money back that you spent right


and uh but also I think like uh points are good because like I know one of our friends, that her parents had, like I think the point system so they then uh, when they spent enough they accumulated enough points to like buy tickets to universal studios, so I think that's a good like incentive also that the company uses to like make you use their product their credit card


and , I think uh ya I think the point system is good miles might not be so useful like uh for people who don't travel that much and like especially now ya so, ya uh, basically what I think what about you what do you think about this


ya I agree


and then have you bought anything like insurance products or anything from the bank, before ya ya


and it also cover dental costs I think like the travel insurance I got last time which is useful I think like people like under uh estimate like and like they they know that they might face like uh physical problems like oh they might get injured or like they might like have a stomach upset but like


they don't realise that like dental services are actually really expensive and if you are overseas it's even worse so like it's really good that like the insurance I got we got last time covered dental costs lah and, coming from a person who wore braces I think it's very useful


ya ya


and per se like overseas already at that time so like then there's like taxation to worry about also, ya, speaking of interest rates do you think that like the banks interest rates are like


very like useless like there's no point like putting in the bank then, ya


ya also like ya at least it's like a guaranteed add on like annually right like the interest rate so like even if it's like almost negligible at least it's something and it's better than like according to me than like investing right because like there's no guarantee of that you'll even get back your principal amount that you invested in


at least like you're getting something additional by the interest by saving it in the, bank like , when you like invest in like something especially that risky investments like stocks or bonds or anything , there's no like guarantee of getting what you even invested back let alone like profits


so, I think for me at this point in my life I would actually just keep it in the bank, I don't think I have as far as I know I don't think I have a fixed deposit


but like I know of people who have fixed deposits and like I think that's a pretty safe investment method I think like, uh at least like you are guaranteed to get like, the entire amount invested plus the additional interest that they're giving you but I mean it has its downsides because like your money is locked in for like at least five years so you can't use it at all it's


just there , like at least in the bank you can like, withdraw the money if you like whenever you want but like in a fixed deposit, there that, issue is definitely there lah it's, like your money is locked in but it's also quite good because like then interest rates are much higher than the normal savings account what do you think do you have any


uh investments ya true ya


exactly I think it's not useful for emergencies at all like, like you cannot withdraw at the time of the emergency but ya it's good for long term savings it's uh, like I think it's like, for children it's good because like they don't really need money just like parents can invest some money for their children in a fixed deposit and when they reach a certain age they can like use that money


ya ya, ya at all I think you just get back what you put in, ya ya exactly ya and I will like


were for credit cards like one of the banks gives like some women's credit card which gives you more discounts for like on shopping on like shopping items so like ya that shows like how they cater to like different demographics of people it's quite, cool ya ya


so what do you think about like people who get loans would you like, uh think it's a good idea to get loans that's true


ya basically you should know what you're getting into right and like be ready to pay back when the time comes, like, make sure you don't defer on your payments because the consequences can be pretty bad, if you don't like ya, but it's useful and like when I guess people need like


uh like an a bulk sum of money like for investing in like a in business or something like personal loans also house for house, homes so, ya in that way it's useful like it gives you like, an instant like bulk of money, but like ya you have to pay back it back that's the main issue ya ya


part three negative experience okay


ya quite a few , , so firstly for like travel and tourism right there's like one section for that so I think the visa office, is a terrible I had a terrible terrible experience there like it was, really hard so like firstly they were so horribly they have very horribly organised website which does not give you any information about like what their about what like documents or anything the details of what you need to do before you actually apply so like even the initial information gathering is like made difficult and that's already a big put off and then


secondly when you uh even after you apply then after that there's no like uh hotline for singaporeans or like singapore , residents ya in order to contact for help, so if you don't know the status of your application or anything you really have nowhere to turn to


and if you want to contact them via email or like call their like international hotline they charge you for money, and which is like very counter intuitive to like a customer service thing and then like, even when you like actually like go to apply for your visa to the office right they they they like the workers there are so unclear about everything they give they gave me like conflicting information about like oh the visa expedition expediting process


and like they literally knew nothing which made it like uh overall very bad experience and the waiting times are very long also okay that one I blame it on like okay that office, uh handles like many different countries visa visa applications but like there should be a way to manage


like and it's, and it's like in a very like quite inaccessibly ya I would say also like there's no public transport that near to that venue, ya but it's, so you're so put off by the initial like website already that you're like what is this


(uh huh) exactly


ya I do go go there like four or five times I think, in total ya it was quite quite terrible, what about you have you had any bad experiences, oh ya exactly oh ya that's true


I mean the material never comes out right everyone who online shops are really like, in the back of the mind they know it's not really going to come out like ya, ya ya the card also right ya


you feel like click baited when ya, oh my god ya exactly


completely didn't come ya, like I feel like the clothes on the models they just make one good piece for them and then the rest they're like save on material and like sometimes it's like so short so loose sometimes it's like the sizing totally goes off, ya ya


lol ya , ya ya exactly like


but then I feel like , like it depends on which site you use also some are a bit more reliable, but like, like especially the ones which sell really cheap I don't think that they're very reliable at all you really have to look at the customer reviews even then you can't be sure, ya


iffy, ya ya, but I think online shopping is good for like uh extra stuff not like big purchases like maybe like uh if you need to get like rubber bands


hair bands or something like that ya, I mean how how long can it go, ya obviously it's not gonna right ya that's true ya definitely ya but exactly (mmhmm) (mmhmm)


ya they do that, , beyond the point ya


exactly ya


it's very annoying it's like very buggy behaviour, bugging behaviour


ya and like or like give like alternatives or something, like you know, okay I can't expect a tuition centre to do that but like , but like at least like just leave you alone then right after awhile,


so it's like you just really don't want to continue there, true ya that make sense


ya I had a bad experience at like another at a food and beverage outlet also once like there was this cafe at like Dempsey and like, the food was like average I and like presentation, was also just like average but like it like the prices were like exorbitant


like there was like one plate of pasta for thirty two dollars, like ya and it was not even a large portion size it was just like a normal portion size and like it's was so not value for money especially like okay if the taste was like outstanding you'd like okay still like not feel so bad about having to pay so much


but like the service was also just okay like the ambience was good I give that to them but like the food was just not worth the price at all, and like it was not the type of like cafe where you can like share with like other people who came with you cause it was like you know those that type of ambience like a little like high dining type like fine dining fine dining type


but like so like it's so not worth the money and the portion was just not even large enough to like actually share with anyone so ya I just felt really ripped off, at the end of that ya like


unlike some restaurants like okay it's like over hyped and that's why you know that like you didn't like it that much but this was not even that case it was just too expensive and like just not worth for the food itself, ya, it's not even like super hyped that I had super high expectations I did not but like it's still did not live up to the expectations


ya (mmhmm) (mmhmm) upsetting exactly so much ya


especially when there's like alternatives right like, that serve like the same quality of food, for lesser price (uh huh) (mmhmm) ya


ya never going back, oh (mmhmm) (mmhmm) (mmhmm) ya


you really don't feel that its value for your money at all like especially when a good food is average, ya


ya like for I think like food and beverages it's like the products itself, you, have bad like I've had only bad experiences with the you know like the food itself was just not that good or worth the money but like for like other stuff it's like customer service, I think like ya like either one of those things like either the product itself or the customer service


one of those two things is always the one that causes a bad experience ya, ya ya thankfully never had that yet, ya ya that's true ya


have you had any other bad experience, I think I think like, I had one with like financial services but not in singapore, like ya overseas so like I had to like do something with regards to my bank account or something there and like like they oh they say you need some like ID or something and then after that to get the ID it's like such a long like bureaucratic process like there's so much red tape and like just to open


like not even open I'm not sure like like I think, open a account but there's so much it's such a long process they make it so difficult for you and they don't give you like full information at like okay the starting point where you okay, the bank itself where you want to open your account they won't give you the information there like oh you need to do this this this and like where you should go no there's no clear part they're like oh you need to get this then in order to get this you research you had to research yourself where you get that ID for example then you will go to that office and they're like oh to get this ID you need to do something else


so there's no like standardised procedure or like like a list of like instructions to do, and I feel like it's so annoying like and sometimes banks they generally do that like they don't tell you like full information initially like oh okay to, get your statement or something then like they don't tell you like the steps to do they just like oh


ya you need to go to the bank, ya either if you go to the bank then you can do it online if you do it like if you like try online you can't do it then and you call the hotline and it's like go to the bank itself, and I'm like oh my god just tell me like, just (mmhmm) ya for the first time ya ya that's true cannot be replaced ya


like no matter how much, like how clear like stuff is written on like sometimes you're just so confused you just don't understand the words also you need someone to like physically do it for you , ya ya exactly


and there's like there's the bots and all but sometimes it just confuse you more, like ya ya ya exactly ya but sometimes


I feel the customer service officers are useless like back, to the banking aspect ones like my some like account got like I could not remember the password and like every time I try to do forget password it just says this service is not available and then I call the call the hotline for that and then like they said okay uh


we'll uh we'll call you back uh like after like fifteen minutes of me holding also like then after then they said okay we'll call you back they never call me back for three months then I call them again and then after that I had to hold for like literally forty five minutes, and then they finally, ya and then they said that okay now we've disable your account you have to like create a new account again then okay then finally it work but I was like how inefficient is it they said they would call me back but they just never did


I was quite annoyed but does it even help okay true


but like they do keep track of like the number of times you call because like the second time I called they said oh you called about this issue like three months ago I'm like ya but you did nothing about it, ya that's true ya so


that's about it for the bad experiences (ppb)


part, two positive product review, okay so should I start okay


so like uh I think one very good positive product experience I had , was at like , uh #din tai fung# the restaurant, like I really liked that restaurant and every time I go there like it's like really uh like I have a really good time so and I really like their <mandarin>小笼包:xiao long bao</mandarin>'s


and I think that's what they are famous for that's their main attraction, and , and so basically the <mandarin>小笼包:xiao long bao</mandarin> is like it has like a dumpling covering and like chicken, with like broth inside I don't know how they do that but it's like really tasty it's like very juicy and well made and it's actually not very expensive surprisingly like you know at some places they really overcharge you for the food but like the uh #din tai fung# is actually pretty


affordable and like the food is , very value for money and I think , if I remember correctly the <mandarin>小笼包:xiao long bao</mandarin> is like served in a steamer and then like, they like open the lid and give it to you and then


I mean uh the restaurant overall the service is really good, and like they always like refill your drinks if you need it also like if you order some like tea or something and then , and then like, ya they have like long waiting time sometimes but like I think like the service and like the quality of the food like makes up for it and like I think the high waiting times is only when there's at peak hours otherwise it's pretty good


ya ya the


even before COVID they were always wearing masks and gloves right while making the food, that's true ya


no I think I covered most of it , oh that's true


it's really value for money I think, it's really value for money ya


I realise even #din tai fung# does that like they take your order sometimes when the waiting time's too long they take your orders first I think it's quite a good method, ya that's true ya ya


and like ya Nakhon thai's are actually really good I've also been there I think the vivocity branch is pretty good, like the food there, even though there's so many options in vivocity to eat like , the Nakhon thai is pretty good, ya initially they only had like one I remember like in Hougang or something but now they have like quite a few outlets


it's pretty good really oh oh that's true


that's true and like their <mandarin>小笼包:xiao long bao</mandarin>s taste like good at every outlet like it's not like, ya they're like so, juicy I don't know they're so good like , I've never eaten like , as good like dumplings in any other restaurant like, I've been to quite


a few already but like ya I think like #din tai fung#'s is the best, , but apart from food and beverages, have you had any other good experience oh ya oh my god ya


then they like never stopped messaging you right and then like oh my god like they keep sending like the promotional stuff I'm like like if you've if you've left already or like obviously I don't want to go back where it like uh nothing he says going to bring me back, that's nice


ya they're very pushy in singapore I guess is there's so much competition that's why but like uh, ah ya ya true ya I guess like


in like cosmetics stores I'll just give one example like I feel like the bodyshop whenever I go there it there's a very good like service and also like you just walk out feeling good like their products also itself are like really good I think that their like face mask face mask


are like quite good and especially like those, , sets they have right they're quite good because they give you like a variety of uh different type of products and also I think that actual cosmetics like , like they're very good like their foundation eyeliner lipstick I think I like all three of them


ya and like they actually have like different shades of foundation which actually like you know match your skin it's very hard to find like the correct foundation, so ya


ya exactly I was going to say that like it's quite good ya, ya exactly it makes and like they you know the sets like gift sets they are actually very well packaged and also make it quite a like an affordable gift you don't have to spend too much also


it's like fifteen bucks for like one small like for not that small it has like three or four things which is quite cheap compared to like other, cosmetics stores and the quality is pretty good already ya, their like hand creams are also very good like the smells are so good


that's true ya ya foundation and all


ya their skincare is also really good, and like also like their uh salespeople they actually explain like, and like let you test it in the store so that's quite good, ya like exactly (uh huh) ya exactly uh


have you had any other positive experience, ah oh ya


it was really good that shirt right like the quality,


it wasn't even beads right it was like those glitter stick like the rhinestones, ya, they usually come off in like two washes, you just


ya if you just like rub against something it just pops out, that's true ya and uh


also uh another like on like, clothing and like uh, on that topic like I think Rubi shoes I really think that , like I've always had a positive uh experience with them like they even sell like online which is a very good plus and like they have quite a few like promotional deals which make it really really value for money like for example they sell like two flip flops for like five dollars sometimes which is really really worth it


and especially since there's like two people usually we have to get four so I think it's very useful like and like also the sneakers actually have lasted pretty well for me, like ya personally and, ya


okay but like I can get past, that, exactly it's overall a very positive experience and like there's so much variety in the colours also which I find quite lacking in other stores and like styles


ya floral ya exactly, and they don't don't just sell one type of shoes like you know some others oh only sneakers only flip flops like not to name brands but like ya and uh I think that they sell like


from like heels to like flip flops they sell like every type of like shoes and they sell accessories too like bags rubber like scrunchies, ya everything ya ya


true but I don't like Cotton On as much as like Rubi itself like the Cotton On I feel like the clothes there like ya ya I don't they don't really suit me but like the shoes are like really good, ya ya all ya exactly


ya it doesn't feel worth it at all, ya, also like , apart from like clothes shoes and accessories like I think electronics has always been a very positive experience for me like whenever I go to like either courts or like the M one store to getting thing recently like to get the laptop


or like the uh, tablet and like also like phones generally also every time we go to these stores it's always really good like okay the waiting time's a lot but like they have a lot of variety usually, and like a lot of options and different plans


like and they actually explain it to you, so I feel it's uh overall I've had a pretty good experience with electronics and gadgets also, ya that's true ya


especially recently to get my laptop I think salesperson there was really good so like I think I stayed there for like around one hour two hours like just deciding which, laptop to get and which like tablet and all to get like, and like the salesperson really just waited for so long uh obviously he will in between like he went to like help other people but like like uh he still like came back and like explain like okay the different plans the different deal


okay if you okay not this company you want to buy the other company's laptop then like what features does it have how much storage how much memory and all so I think it's like quite, I had a very good experience that day and generally also every time I go to like either the laptop store or like


M one for like phones they usually like, explain quite a lot and it's quite clear the information and I free find it like at least for like , androids it's pretty value for money, ya exactly


ya oh my god, ya exactly, he was not pushing for one product ya


ya, ya it was at like courts and it was like really near our house also so that was like convenient also , ya


ya pushing for their products, oh god ya, ya cause I think they are like special promoters of like a certain brand right


like they get commission for certain brands but like the good thing about that guy was like that he was not like pushing for any brand in particular he was like literally just like explaining all the different, types of computers ya ya ya


like your tuition like same as the tuition companies like ya you really have to strike a balance okay that's true ya but ya what convinces you


part one finance


okay so yes I do have a savings account , and it's like actually just a normal passbook savings account and I mean for now it's been quite okay when I'm using it uh it helps me to uh plan my finances my spending I can see all my like the transactions history and everything and and also like


at least it accumulates interest so it helps me at least earn a little more than uh when I when I like save so uh ya I think it has for now it has been a a good experience with my savings account


what about you ya


oh ya that's true the passbook was uh quite difficult to to keep updating again and again you have to keep go to going to the ATM to update but ya digi banking makes it uh better, so, ya speaking of like internet banking and all do you have like any credit or debit card


and,


oh ya that's actually true ya same here actually I also have one visa debit card so uh same same thing that like if the paywave function is actually really really convenient because you just need to tap you don't even need to key in like your pin or anything


and as you mentioned also for COVID it made it so much easier especially if you are doing like online shopping or something the debit card really helps in you know you can just make instantaneous transactions , everything is becoming digital now so ya that helps and I mean in any case again what you mentioned the digibank everything uh you can also manage your your spending limit for the the debit card so it helps you kind of not overspend and and manage your finances better otherwise


if there's no spending limit or you can't change it and all that you might uh there's a tendency to overspend but ya this is it's quite good ya, ,


ya I understand I think it's especially so if you like forget that you have to make a payment for the credit card and then like oh uh then the interest is really high that like you have to you have to keep, paying back and then it really accumulates over time because you don't actually have to, pay back for I as far as I know you don't actually have to pay back the whole amount at the end of the month you can you can literally just pay the minimum amount but then it just accumulates over time so you no idea how much you spent so ya debit card is better direct deduction from the bank account


ya I think, it really depends on like uh what what they want out of the joint account so


I mean for example like couples if they have one joint account it probably just helps them save better they can manage their finances better they both have would have access to the account so they can see manage their spending or the the budgeting purposes , and especially if


for example they have kids or they have like uh older parents they need to take care of I think a joint account maybe it it helps that oh they they two combine the finances and can plan financially plan better , and can incentivise them to save up continuously also so that's a good idea but I mean if it's with someone who it should be with someone who you trust I think I mean it shouldn't just be a


some someone who you don't really know that well so ya should , do it with someone you can trust and share your finances with, ya


ya that's true that's true


uh it's like a bit difficult to say also because I mean everyone has their own idea of when people are like mature enough to, handle their own finances, get like withdraw money from their account and all that but I think generally the like if you want to give it to a kid right it should they should be mature enough actually to to like you know understand that they shouldn't overspend all uh how much they can actually spend each month all uh they they can't like


go overboard it with the withdrawal of the the money also so I think maybe like around sixteen to seventeen years is is a good age that they can be issued with their own ATM card because sometime they they work more independently from the parents as well


then they might sometimes they need the the money in emergency situations or they just don't have , and like suddenly some expense comes and then you you may not always be with your parents at that time so it's good to have their own ATM card but ya it shouldn't be too early because they might be able to they might misuse it more if they don't have the maturity or like good spending habits


so ya they need to inculcate these good spending habits first before they can uh they should be issued, ya okay okay


ya that's actually a a good point I didn't I didn't think of that but ya especially with now with like, like everyone there's so many scammers and uh online fraud cases , and like it's really increased so much in the past few years so uh that actually is a really good point that they might not know the severity of like oh you're giving out your your pin number or your card number bank account number know what ya they may not have that also so


ya that's a good point , , so uh okay this is like an ATM card which is just withdrawing money but uh do you have like any credit cards you mentioned that you don't have credit cards right but uh what do you think should there be like cashback or points or miles what kind of rewards system should people use


especially now ya yes that's true , ya actually mine was uh I I mean I also don't have a credit card so I don't really have that much information on it , but I think ya every company probably has their own mixture of like cashback points or miles so it really it's it's a good thing to have like a mixture because it will cater to like people's different interests


some people may like may prefer cashback more some people may may uh value the points more then like you mentioned get like those vouchers or or like tickets to universal studios that kind so ya I think , it's a good thing that the the companies have like different options available so that uh people can can choose whichever one suits their interests


ya, generally no but there I think once there was uh, travel insurance which which I purchased from one of the banks


uh which was uh, it was just a general protection against like accidents and illness and it covered hospital fees for certain situations I think I mean overall it was a I mean thankfully nothing nothing happened in that trip but like I think it's a good idea


uh especially if you're traveling to like a new place like for the first time and you is like there's uncertainty there so it it helps you plan I guess in the future if like , some unfortunate events occur so uh it it


you don't have the sudden emergency spending doesn't lie on you completely there's like another like insurance company that can pay uh but, ya


that's true, that's true that's true actually


, ya I mean this kind of things people don't really uh look, ya think that it might happen right but then at least the insurance helps to to cover for that like it doesn't just fall suddenly oh I have so much to pay just because of dental fee the spending ya


oh ya that's true ,


I mean obviously especially now I think the banks want to want to like want you to, spend more so the insurance uh interest rates are not very high but like if I mean especially for for me at this stage I there's I I don't have that much financial acumen to actually like invest in other options


so I think keeping in the bank at least it draws some interest and later maybe at later stages in life you can uh think about investing in other things like property or some uh I don't know stocks, but uh for now I think even though the interest rates may be like really minimal it's just a good thing at least it helps you save up uh you can manage your finances like that rather than just I don't know keeping cash uh I think bank is a good idea ya


ya ya same same thoughts ya ya but okay these are just the normal interest rates for like a normal savings account for example but uh do actually have like, a high yield bank account like maybe like a fixed deposit or something


no I I do not have like a fixed deposit account but ya as you mentioned I think it's good for like long term saving because uh there's really really attractive interest rates there when when you actually save for a long time depending on how much you put in and how long you want to put it in for


so I mean I don't think it's necessarily just, like five years you can choose how long you want the fixed deposit to be uh but ya it has I I think it should be around six months like minimum I'm not really sure, but I think it's good for people who want to save uh money and like earn a lot of interest on it maybe for like the the children's education or for their own retirement


so that like it can be something which you can uh use like for example emergency situations or, like when you know there's going to be a large spending so you can actually keep it uh keep some of your money then it's okay just accumulating interest for that amount of time it I think it's a good idea for those those people so if you just


set aside this amount that you're not going to touch for this amount of time uh ya I think it's good but ya you're right also in the in the sense that, uh I mean just in case you want to you you really depleted the other savings and you can't really withdraw from this kind of an account


that's that's true uh but I mean if worse comes to worst you you can break the fixed deposit just that I think you probably won't get the the extra interest rate so you can you can, ya you will get back what you put in so which is kind of like what's the what's the point of doing it without uh lasting the whole the whole


uh duration so but uh ya overall it's it's a good like I think it's good to have like different kind of accounts, uh provided by banks because uh it caters to as I mentioned for the credit cards also it caters to like people who have different


financial needs like I mean if you just want a normal savings account that's good just accumulate interest but if you want like a long term one with higher interest at least there's like an option for that also,


oh ya I've heard of that too ya that's quite interesting , okay I think it really depends on like the stage of life you've had also again I mean there're different kinds of loan also which the bank provides like home loan car loan or like student loans I think usually the the bank it's uh has like


different options applications available it's quite convenient to actually apply for these you don't really need to uh do much it there's a lot of online stuff which you can do nowadays also but ya I think before getting into a loan uh you really need to uh check on what the


interest rates will be and how much you actually need to pay back because I think that's, very important to look at the background of the loan first before , applying for it otherwise like, you will not know oh uh when when is your due of a payment payment due for the loan and it may just the expenses may just increase later and then you just accumulate the interest for the loan then it just goes on and on so I think it's good to have like a good understanding of what the loan is about also


ya ya, ya ya that's true,


(ppl) ya ya need to know like what you said need to know what you're getting into before (ppb), before you actually take up the loan ya


okay uh part three negative experience, okay so from positive experiences negative experience now so have you faced any kind of


this negative experiences , (mmhmm) oh


oh ya ,


people in singapore like generally ha


my god, oh my


kay but ya that is like you can you can still get past that but like the main ya, ah, ya ya I think the website especially like what you mentioned the initial part of like finding information like if that part itself is like is like such a put off then going there's already you're already in like half a bad mood when you go there and then it over there also if you face like


the same similar kind of experiences then it's like even worse right, so ya oh my ya


okay so there's a there's a few which I put down, but one I think one would be uh the like online shopping , when uh I think everyone has some bad experience with some online shopping uh but this was just I usually don't really shop online that much but like when I did recently most of it was okay but this one when like I think I ordered some jeans


uh it was jeans and then that based on the size that was given there based on what they show the model was wearing it, it was not the same it was really not the same as as like uh like you know the estimation which you which you make from there and the material was also okay the material was still okay but still not


exactly matching the description but you kind of, uh that that's that's anyway there's a risk of that but , I think the main thing was that, ya, exactly ya because you can't really see the material there right that's the difference between like physically shopping and like going shopping online but ya the material was not matching the the the colour the I think the shape


of it the colour shape in generally was just not , the ya the cut, ya basically shape cut ya it's not the same as what it was shown, there so like I mean it's kind of like false advertising when you do those kind of things it's really


ya ya, oh eh ya click baited and uh another thing about like online shopping like they show you one thing on the on the thumbnail and then when you open it up it's like something else but it that's that's one thing but for this one it was it was more like you know what was given there that didn't really come when ya so


ya , ya actually that that's kind of true that's possible that they


they actually just make us one nice piece for the model and then the model looks really good because she knows how to pose also he or she knows how to pose and then but when it actually comes up you're like oh okay is this what I ordered I didn't really want to order this,


and I think it's good I think for this one the shipping fees were still not that much but imagine if like uh there's some some piece which you buy which has like a really really high shipping fees delivery fees then then it's like it's like kind of like a waste of money right so that's the whole risk about buying stuff online that you


there's there's whole risk of like oh what if it doesn't come up as what you expected and then you just especially when it's really expensive then you're like oh it's such a waste of money , that's true


, ya that's true that's true ya the the really cheap ones are also quite uh shady ya don't really know whether that's exact that's it's it's going to be a good quality but


ya, those are from those sites, ya, uh it actually depends on where you where like which sites those you get it from because like for example if you want to buy some apple product then you buy it from you buy the cheap one from somewhere obviously ya obviously it's not going to last long but some people buy it still it depends on what you want to use it for some people buy it because they like okay last for a little while only but at least


I have something like that so and it's cheaper but if you I think if you actually buy from the actual store like apple online also you can get the make the pay make the order obviously it will be more reliable than like just getting it from I don't know the


fifteen dollars one but ya it really depends on what you want to get out of the uh out of the order ya, , ya so that was like buying online shopping so uh another uh thing that I faced actually this is like the opposite of my other tuition centre one because this is like


uh it did not match my learning style at all but okay I mean that really depends every tuition centre has a different kind way of teaching but uh like there was like two hours sessions and I felt like I didn't really learn that much, but okay that's okay then I just after a while I was like okay this is not suiting me the pace was really slow and like if I don't learn anything in the two hours then what's the point of paying so much money like tuition is also expensive so


then I like I was like okay let's just shift toward the the other tuition centre which was actually really good in the end but I didn't know it was going to be really good in the end but I that but like even after like I I quit this tuition centre like uh I said ya I'm not going to continue here anymore


like the sender was still like sending me promotional emails, and messages and like, oh I can like do some adjustments and and uh we can we can like try and work this out I'm like okay like the first few times I understand they don't want you to let go they don't want to let go of the customer but like so many times they did it ya it's like I really don't want to continue like if I wanted to


discuss I would say it in the first two times you told me right but like the the third time onwards is like oh why why are you doing this to me I don't really , want to continue anymore man, ya like and that's what


that's the that's the good thing right I mean like uh when when they actually find that balance like the your called salesperson which you which you mentioned I mean it's when when they're able to do that right not be pushy yet allow you like okay even if you didn't want to buy the the the computer in the end at least he helped you like


ya okay , ya really like I I don't I really don't want to continue and I mean it's and


because the issue wasn't even like oh my schedule was clashing or something it's that, because I didn't learn much from the the like two hour sessions like I really did not learn that much so even if like they found another way like one to one or something , I still don't think it would have it will have helped that much so it was better if I just tried something else uh and I I mean didn't really have that much time to to explore with the same tuition centre also so it was better to just just change


ya yup (mmhmm) (uh huh) ya oh my


thirty two dollars !wow! ,


fine dining types ya, oh my ,


ya like too , I that's the thing about like food and beverage outlets like , uh they also need to strike a balance between like the money like worth the money for the ambience and also like like the the food needs to be good to match up to the money at least


ya


uh ya I mean I guess it's okay everyone has like some, bad experience with food sometimes like uh same like I also recently had one like bad restaurant experience so it was the same actually same uh similar to that it was like uh (hmm) restaurant I think somewhere near


#marina bay# if I'm not wrong but so again ya the ambience was was, quite good which is why the prices were a bit high also but the food was like average and like it was not like oh


you wouldn't want to pay that much for this kind of food like it's it's like okay I I I I it's not bad food the taste is nice but like I wouldn't want to to pay like this much just for the ambience like at at least to, ya like at least


ya like actually this was also like a chinese restaurant so like I mean what you mentioned about #din tai fung# like it was at least, I mean it was almost a similar level of food I feel uh in fact I feel like I prefer #din tai fung# but that's like okay you can prefer that over that but like the prices were definitely so much more expensive than than din tai fung so it's like


why like why would I want to do that so it's like I guess it's a good one time experience when it just, pay as much but otherwise uh ya just don't go back there again, and like, the taste was ya again not bad but like


and the presentation was also not that great of the food although the the service was good and they were helpful which is uh actually I'd give it to them because that's a really good plus point like they ya helps in the customer experience but but like really not value for money and


, ya I think generally what I think, for food one of the main factors to make a good customer experience would be the value for money at least for me I think like because I think uh if, even if the food is good but if they're so if you have to pay so much for it like what's the point uh


ya, ya like or or or it can be like super cheap food where you don't expect it to be super like the taste to be super good like mcdonald's or KFC or something like you just okay ya it's it's a good fast food thing and and that's it like I'm not expecting super like


really nice flavours from this but but like with this kind of high end restaurants you expect it to be like, uh at least the food should be good in taste and like , , ya presentation also quite like good but it when it's not then it's just like uh I I'm probably just not going to come here again


ya that's true and and sometimes it's both which is which is the worst like , like, ya that's true like it's either it's either the product is bad, but the customer service is okay or or the product is still good but like the customer service not that great


ya (mmhmm) not, that I can think of at the moment but do you have any others, oh my god (mmhmm)


you can do it online it , , ya that's the also I think


uh as much as there's like stuff online also but there's I think, it really needs to be clear if it's online right you really need to have clear steps because some people really won't understand, like uh even though it seems it seems really intuitive with the people who are working there like or if you have set it up on on the website yourself for example like imagining yourself in that situation


I think you would be like oh it's so obvious like okay after this you have to do this this this but like if there's a third person who's looking at the steps right it may really not be ya it it's really not that intuitive for them so, ya that's why I'm I I mentioned like the website, it can only to a certain extent replace like


actual person talking like the as I mentioned in like the previous ones also like the, I think this face to face interaction the human interaction is really , it's really important like there's some things which you which really technology cannot replace like it I mean okay


ya , explain ya exactly or like explain to you like way or be that okay if you have uh the someone's telling you something then at least you can ask that person questions also like oh okay so this is this this is this but if it's just written down in words you can't ask questions to the words right so like ya


oh the bots are the most useless thing like it every time you go like to any of these websites it's it's easier to actually find the information yourself like, go on to the tabs and everything rather than actually clicking on the bot and typing because the bot


has like standardised set of answers and if it's anything separate from that like you want to ask something specific to your account or something or not exactly to your account but specific to your type of problem then they won't have they'll just be like oh same set same answer they will repeat a few times or they'll be like


okay we'll connect you to our the customer service officer so might as well just go talk, talk to the customer service officer initially right so the bot is, ah (uh huh) oh my


forty five minutes oh my god, okay ya I think, ya those kind of things actually you can you should give like uh feedback to them because it it helps I guess (uh huh)


I I don't know it may help so at least their feedback is there and like in in written form or like verbal form if it's online,


(uh huh) ya that's quite sad but ya I mean at least it resolved itself in the end as what you mention, ya, ya


part two positive experience, okay


uh okay ya you can start, ya


I I I agree also I've I've been there before and it was ya really good experience also like they the service is really good they're really hygienic also especially now with COVID like they you can really see they they put in a lot of effort to to make it seem like uh


ya mask and gloves ya ya ya so uh ya I also really like other than the <mandarin>小笼包:xiao long bao</mandarin> which you mentioned it's also like I think the noodles are also really good so ya it's it's a it's a it's a good place to go to I guess ya


so oh is there anything else you have to you want to say about #din tai fung#, okay uh ya it's because my one of like the the good uh product experience that I had was also like another restaurant which is the Nakhon thai kitchen


it's a uh really really uh authentic thai food so I think it's it's really good uh that they , you know the the food is not only uh it's it's actually value for money also it's authentic and like it doesn't it's not super expensive it's quite affordable uh like especially like if you'd like you're a student or something like it's really it's a it's not that expensive like you can actually go out with your friends and all that so


ya and, all the, ya, it is and uh the food is also I mean it's authentic and it's also quite tasty like they they put in their their best effort to like make it like a lot of the spices and everything


and the service is also actually really good cause usually the the waiting time is is, quite long uh it's quite popular I think but then they they have like devised a way like they actually take your order before you actually even enter the restaurant so outside when you're waiting for the people they can they actually like


, uh ask what you want and then you can clarify a lot of stuff with them there's even have like the SMS queue option so I think that's, ya I think


uh restaurants should really do that especially when there's like a lot of rush during peak hour uh that's I think in common with both of our our positive experiences that they like actually take the orders before like it's I think if the customer service is good at a restaurant automatically even if the


food may not be that nice right the at least you get a good positive vibe from there ya, I mean of course the food has to be good also but uh at least good first impression first, ya


ya that's true I think they have quite a lot of few outlets actually , uh, (hmm) I'm not too I'm not so sure I think the Hougang one kind uh closed down recently, ya but but ya


I read that when I searching for the outlets but ya the vivocity one is quite good also, ya, oh another thing about #din tai fung# like what you mention they also like their their quality, everywhere like any outlet you go to , it's the same so like they they're all hygienic they're all


like the, service is good the food is good it it like tastes the same everywhere you go so that's one really good thing because , otherwise in some some restaurants like their franchises when you go to a different outlet then it's like it's not the same as when you go to the to another outlet so ya it's one at least they have a standardised thing


ya ya,


ya ya that's that's true, (mmhmm) uh actually there's uh one which it was a uh actually it was like a tuition centre which I went to it was


uh I didn't really go to that many tuitions like but then , uh for this one was actually a really good experience because uh it, really helped me with the subject that I was weak in uh and not only, because like oh the content was good anything but it's also like the the service like the way they interacted with parents with students I think it was


uh a really good thing like they, I mean at least the firstly their learning style really work the teaching style work for me uh which was quite different from what I had experienced in school so this was, uh like a good change and really helped me point out my areas of improvement and work on them and keep practising because they had provided quite a few practice papers also


so uh ya that was there but when they also try to like promote their different programmes and initiatives all that but , the one thing which I really found really like very , heartening was that you know they were not so pushy because some some centres uh they really like oh please no ya join this join this and


ya ya, ya exactly, but sometime it's not only left like for this one I it wasn't that I was leaving or anything it just that they were trying to promote the their like


extra initiatives which they have and then uh they were trying to get more people to sign up for it but if once you said that oh okay no I don't want to do this I'll just do the normal one they didn't go on and on about it they just like okay, fine ya you can uh do based on whatever you want I mean it's for your own benefit also so ya like I feel like very few this kind of tuition centres or like


, ya that too but like it's not only tuition centres I feel like other uh academic stuff and like non academic uh maybe like dance centres music centres they also can be really pushy but ya this is a good experience I think if


ya people should learn from this , what about you have you had any other positive experience, ah


ya that's true that's true ya they have quite a lot of options and uh one thing I like always uh liked about them they always say that they they have they've not used animal testing on their products ya, so that's one extra thing but ya other than that also like you mentioned they have like so many different options and then I think it's really good to get for for gifts also like it's


ya ya ya ya that's so, ya that's that's true ya ya I've, seen like ya the


ya the are the smell's actually like doesn't I don't know about the perfumes like how much they sell or anything but like at least the smell seems really nice for the creams and everything like the body wash also so ya it's a it's a good place to buy your cosmetics I guess like basic ones at least like you know


the the the light foundation lipstick and like creams more like skincare products than like cosmetics as such, ya ya , oh ya ya ya ya actually that's that's uh really important like testing because sometimes you really don't know whether this will go with what what you're thinking or is it exactly how it's like what what you're imagining it


to be so it's good that they allow you to test the products otherwise sometimes it's like oh you imagine it to be something and then when you actually use it's it's not that good , ya


this, this one actually about , uh one one clothes it's not the uh like I just thought of this when like there was this really nice Benetton T shirt which I had gotten once when I was like really young but I still remember that experience because


ya it was it was so soft and comfortable uh I really wished like you know it's still fit fit me because it it's really soft and comfortable and like they had like, the words Benetton written on it but then uh with beads but for so long it lasted so long and the beads I think I still have the shirt uh although it's really small but I just kept it for like who may know


ya it's a stick on it's a stick on kind so so like uh I mean that was, they they usually like a lot of things they don't not even two washes I feel like you know the first time you wear it already one or two come out and then


rub against it ya ya ya ya, that's true and like so but this one lasted for so long I don't know how many years but really did and it was like quite unexpected because I mean as I mentioned it you usually expect it to like uh it come out so fast right but then uh this one was was really long lasting and uh


ya and the the and in addition to that piece not coming out like as I mentioned it was also really like the material was really good soft and comfortable but ya although it it's obviously like too small for me but I will always remember like this good product experience


ya (mmhmm) oh


ya that's true, ya ya I think


ya sorry just to cut you short but like the sneakers the only issue with them is that the soles keep coming out like the inners insoles keep coming out but ya I I mean I mean considering the price and everything you can just ya overall ya


ya ya like even ya even, the flip flops like simple flip flops they have like uh so many different colours and like ya pattern is different and then there's


oh ya ya ya


I mean it it's like a it's a, the spinoff kind of of Cotton On right so I think like the whole store kind of sells like the mixture of these kind of things,


I still think Cotton On the it's not only the the suiting I think it's that is the one which is not value for money like the Rubi one is really like there are so many is not only uh promotion sometimes but I think this is like kind of, always it's like like all year long they have like uh really affordable kind of flip flops I mean and also like flip flops how long will they last so if you get something super expensive


it doesn't make sense right so it's ya it's it's good to get from this kind of a place ya,


that's true that's true like most usually most of the the like shops like any any company they actually have like on display quite a few options uh and the they usually help, uh come and help you uh explain oh what the what features does this phone have how much it is for those kind of thing so they usually quite helpful uh in general like I mean or usually the the the this kind of stores so ya this


!wow!


ya I mean iphone is just expensive but uh ya I think it's it's good also like , I was going to say something about , the general (ugh) now I forgot what I wanted to say but uh


uh what were you you were mentioning something about , the that uh, the laptop oh ya the salesperson yes that's what I wanted to say like it's actually really difficult to get this kind uh a lot of, salespersons are not like this like they they don't actually especially okay I understand when there's like a lot of people and the there's a huge crowd of people but I mean it sometimes they just don't really give you that much attention or sometimes they can be the opposite like really really pushy about stuff and so


but I think it's ya this kind of like, what you mention if he waited for you that long but he also gave you space to like think about the stuff that you wanted to right not like uh like oh just like oh no ya you should take this one you should take this one oh this is our deal, ya I think that is really good ya because


, ya uh that that's like the added bonus lah but then uh I mean the the I think what really enhances the customer experience is when they actually there's a strike the balance between like


oh being there when when you ya like being there when you need them and also and like oh telling you more about their stuff and or or like the other end's like being super pushy about it and like oh you should buy this one ya ya ya this one why don't you do this one like even know what I'm what saying


ah ya that's possible, , that's it's really good ya I mean at least he had full information


and but yet he was not pushy that's, rare combination ya, ya that, that I think ya overall like even for like the restaurants I think in general whatever we talked about so for now I think I think the first thing is that the one really important thing about the customer


experience would be like the service there the people employees they provide like that really makes an impact on on how good or bad you find the customer experience , because it's like the human to human interaction which is really important ya I think even though there's so much digital now there's like zoom and everything that thing is still really important the actual face to face interaction ya


part one finance alright, okay ya sure so basically right I have two savings account that I use simultaneously and one is my most the longest saving accounts I've ever had is my POSB savings account


which I think my parents were put up for me as a child lah back back like twenty plus years ago , so ya so that's what I've been using for the longest time and so what happened was ya so when I was like okay you know what I was secondary school you know like we like to spend money right so you know you'd owe draw money on this thing so I wanted to get a card like my debit card lah


so so that was just a regular debit card so after that uh I think back then it was just a ATM card normal ATM card then then eventually uh the normal ATM cards they became debit cards you know so so there was like visa card then mastercard all this thing lah


so uh so I still remember about ten years ago when I was started working like I was like doing my internship and all these things right so I had like a good influx of money coming in so I thought okay this is a good time to save money you know like if I just, put it into this uh savings account right like whatever money comes in you just want to spend it and you're not going to track your finances really well so uh that's why I decide okay let let me split my account so I went to open up another DBS uh savings account as well so


what I do is every month I would transfer certain amount of money into that account so that account I won't even touch at all, ya so so what happened for this account right I went to get a I converted my ATM card to uh visa card so you know like you know online purchasing was like quite big it already started like about ten years plus ago already right


so like you had to have a visa or like master in order to make the purchase correct so ya so I got a visa card then I realise right not all the online vendors, they accepted visa some of them also they only accepted mastercard I don't know why you know and and also sometimes right the the rates on the mastercard is better than visa


so I was like okay lah you know like maybe I should go get a mastercard also then I was like okay lah but I actually I'm not earning so much why do I need so many cards lah so I went to see like okay which card don't need to have a premium so I got a I have two cards so under DBS and POSB basically


ya so I have like one visa card and one mastercard so there's good it's quite versatile you know like wherever you want to spend you can just uh spend and the best thing right my visa card uh no I mean my mastercard which I open in my DBS uh the card I got from my DBS account right


doesn't have a annual premium and then they also have three percent cashback, so if I go purchase from like selected, vendors or like restaurants or even services right like every three months you get the three percent cashback and it's not a lot but you still get like about like five to seven bucks because I don't spend a lot from that account like like I mentioned it's my savings account right so like sometimes just to make use of this cashback


uh benefit then I will use that card to go and, make any purchases lah, ya so these these two is the savings account I have, ya how about yourself ah, (uh huh) okay oh kay (mmhmm) okay


correct correct ya , okay correct (uh huh) correct correct okay yes correct


correct , (uh huh) okay, correct


ah ya, okay correct ya , just ya


oh ya correct, okay ah yes okay okay okay


ah okay, ya correct, yes correct I agree, (mmhmm) ya okay


ah, correct yes yes


oh okay ya ya correct, okay


!wow!, okay correct yes true ya okay


oh ya ya , okay okay okay okay okay


ah, okay correct correct ya okay okay oh ya true ya okay of course true ya


ah ya okay, okay


okay, oh (uh huh)


oh okay okay, okay, oh okay okay, so you now you're like okay main one ah okay


oh okay okay, okay, oh, okay so is it it makes it easier for you to like control your spending basically lah


okay oh ya ya, correct correct I know I know okay okay


ah okay, correct yes yes


ah okay, actually, actually honestly ah speaking I also actually when I just started like working like really full time like about four years ago right then I actually went to get a credit card as well I got my (ppc) citibank credit card so


there was a reason why I didn't want to get it from my own savings account banks was that I okay one of the reasons was because I want to like uh have a control over spending as well and you know like when you first get your credit card you also quite fearful like from hearing all these stories about like how people overspend from their credit cards and


so it's like damn scary you know like even after I got my credit card right I didn't trust my credit card for almost like two weeks plus you know it just like was sitting on my table , so then I was like I I went to read all the terms and conditions like I was like very wary of like how to spend the credit card like use the credit card then uh ya so when when I bought the purchase the credit card right so they had a of course they have a annual premium


which uh my bank is good enough that you know every year they gave me two years of uh premium free uh of the credit card then subsequent year you know like if you call them up and request for like a waiver of the , uh premium right they actually give it to you so I haven't paid any premium and they're very flexible about the payments as well like your credit card payments you know sometimes because you know right I'm I used to be like travelling around a lot so I'm like barely in singapore so like I will always miss out my the due date for my payments


so it's like ya then I was like oh shit you know like if if I'm like seven days before the due date right I'm like not in singapore then I only come back to singapore after seven days which already past the due date then I I'll pay you know so uh it's very simple like uh they'll charge me hundred dollars for late payment fee


so what do you need to do is like you just need to pay the payment, and then you would call them up and say that okay you know I was not in singapore so I couldn't pay but I just made the my payment right so the it'll already appear on your app you know your your my citibank app that the hundred dollars is uh credited back so your subsequent months you only pay hundred dollars lesser you know so it was like very


very ya and the customer service is very good, plus the card right I got was like a rewards card so I actually they gave me two cards I got two cards one's a cashback and, one is a rewards card so of course like rewards card you get mileage everything uh you know for travels and everything but honestly for me like mileage is like no point because I'm already travelling you see like there's no point for me accumulate mileage for me


so what I do is I always convert the mileage to points, and I will pay for my purchases with this points, you see like sometimes like you know sometimes you will never you forget to redeem your points or whatever right you will accumulate so much of money like I think the most I've claimed for one purchased right


for was about maybe about three hundred dollars, so it was like uh accumulation of like a few months of like not claiming my uh payment so ya so it was like a very uh it's a uh three hundred dollars so it was like much easier you know like, I'm just collecting all this points from spending and then they give me like you know lesser money to spend you know that kind of thing so that was good and they also gave me a cashback of hundred twenty dollars for six months so how this works is that for the first six months right you need to have a minimum expenditure of sixty dollars


so so that means right if I spend eighty dollars on that card for that month right they will only charge you for sixty dollars so every six months ya so they'll give me twenty dollars cashback every every month so doesn't matter how much you spend as long as more than sixty dollars they'll give you twenty dollars cashback


so I enjoyed that for six months and then uh there was some uh corporate discount promo and then they'll also extended it for another six months, so for almost twelve months I got like uh twenty dollars ya about a year you know twenty four uh twenty four months ah I mean twelve months I got like twenty dollars cashback so I think like it was very good for the perks and and uh the points you collect also right it depends on not only how much you spend but at what kind of vendors you spend


you see like ya so if you like go to like Zara or H&M or whatever right so you get more points, ya like compared to like if you just go to cold storage or whatever you know so ya so you get you get more points and for me that was really good and I also have a cashback card but honestly so the cashback card is a separate card which I don't really use much


but the same thing uh but for me right this one I just need to convert my points to cashback you see that one you don't need to convert that one is like straight away it's like okay you're like earning dollars not points, you see so I use it a few times but you know sometimes you just don't want to like keep spending you lose track of like how many cards you're spending you know so I already got like four cards two debit and two credit so like so I tried like leave that one card behind unless I have like already hit my limit for that month of one card then I'll use up the other card ya


, some (uh huh) okay okay okay okay ya


correct correct, true okay true


ya ya correct ya, okay okay okay okay okay


(uh huh), correct correct ya, yes okay okay


(uh huh), okay, ya ya , you can't keep a track (uh huh)


okay ya, (uh huh) correct correct


ya, correct of course ya, okay


correct ya of course ya, okay


of course ya ya ya


part three negative experience, okay let me tell you about like one of my negative experiences lah okay last time you know we didn't have a lot of gyms right like right now


gym is a big business lah but last time you know there was like only like fitness first all these things what tenor fitness and lot of things right , so I still remember when I was like in poly I went to sign up, then I was like you know like we are because we are gonna go to NS already so like


you know you going to get fit all these things right so I was like okay you know what now's a good time to get a gym membership, so I went to fitness first you know, uh and I called in to you had to make a appointment so that they will have a personal trainer give you a tour of the the facility all these things right


so when I went in there right I was like okay you know what I'm like uh I was like quite uh optimistic you know okay I know like let's be fit all these things lah so I went there the reception the the person uh invited me then say okay the the trainer will be out with with you in like a few minutes


then I waited for the the trainer for like I think honestly about like fifteen to twenty minutes, it's like such a long time so I was like okay never mind like maybe the guy is busy like I give him the benefit of the doubt then that guy was like straight away came already right he gave the price list lah the first thing


so the the turn-off was like, okay you know what uh so he's like oh okay so your one time payment would be like four hundred dollars and uh subsequent payment will be like three hundred dollars then I was like okay like, ya he he was like he was like really just so focused on like selling the the program to me then he was like okay personal training sessions are like okay seventy five dollars per hour blah blah blah all these things like he haven't even talk to me about anything you know it's just like


straight up he came to me say hi my name is so and so then he say okay so the gym membership is like uh the one time payment is so much and like your monthly reoccurring payment is so much, I was like , okay like then then I was like okay can we look around the the the gym then he was like you know what he said not he say oh do you want look around bit now I was like you know of course you know I need to look around the facility before I sign a membership right


then he was like uh okay do you need me to follow I was like of course you know I don't know this place what you need to you're the trainer here you're supposed to bring me around to show this place, then he was like, and he was like he he acted like he didn't have any time for me you know he was like just he all he wanted was for me to like throw my money there and sign up and that's it he he had like no effort to like


convince me that okay you know what signing up with fitness first is the right decision, he was like okay you got to sign up you got to sign up like and then I said okay let me because at that point I was like quite uh turned off already by the service you know I was like where got such such thing you know so I told him okay you know what let me uh bring back the brochure let me think about it


I tell you for the next one week right he called me like twice a day you know every day every day until like I said okay you know what I'm not interested in signing up with fitness first like ya please don't call me, so I think that was really one of my worst experiences lah, ya


, correct correct,


(uh huh), okay okay


okay, okay (uh huh) okay okay


!huh!, correct, okay okay okay


exactly, okay okay oh exactly ya ya ya


okay, okay okay oh okay


oh my god, exactly ya okay


!wah!, okay okay uh


!wah!, exactly exactly okay oh


oh shit, okay, okay


ah okay, okay okay okay


ah okay, okay , okay ya


okay , okay , ah okay, okay


ya of course, correct , okay okay, (uh huh)


!huh!


okay, okay ya


ya ya ya, okay okay correct oh


okay , oh okay , , okay ya ya ya, you can't do anything ya okay okay (uh huh) okay


oh my god, okay ya


normal, correct ya ya, , oh ya


eh correct ya, (uh huh) ya , ah ya exactly


ya correct yes that's worse, ya, okay, correct ya ya so specific


okay , correct, ya correct ya


uh ya


ya, okay okay of course ya correct


, ya, you just want to eat okay , , ah


ya ya ya correct , okay


ya okay, okay


I heard I heard ya ya ya , okay, oh


ya ya ya correct oh okay, okay okay


okay okay, , oh, okay okay, smart okay okay okay okay oh shit okay okay nice okay okay okay ya


okay oh ya, okay (uh huh)


okay, okay, oh okay ya, correct okay ya correct


oh okay, okay ya


oh okay okay , ya okay


oh I can I can imagine it lah , okay at least you got back your wallet lah ya, I think speaking of holidays right I had one experience I was travelling uh I was I was traveling around but uh before I came back to singapore so I stayed like couple of nights in London


and what happened was actually I had booked a double uh like a double like bedroom in the hotel, so when I check in that time right like you know you give your booking confirmation all these things to the reception staff right so I give it to the guy then the guy like check his


system then he give me then he was like okay you know check in already then he give me the room keys and thing when I check in to the room right it was like firstly the room was in a mess, okay the room was not even cleaned up after their previous guest so like there was towels the trash was not cleared the towel was hanging around and the bed was in a mess and everything and it was a single room


then firstly I was like okay you know and and they didn't have like uh I mean it's only a three storey hotel so they didn't have like, a lift there so I had like climb the three storeys with my luggage and everything you know so ya so I went out then I came back down then I told the guy actually I book the double room then I showed him my the confirmation then I highlighted the part where it said it's a double room


then he check his system then he was like he was so persistent that no no no it's actually a single room you had only booked a single room, because you know you book through a third person agency right so this guy was like then I was like okay you know what I will just write a email to the the hotel then I told him the room was not even cleaned


then he was like ya exactly then he was like oh is it then I was like ya then he say oh then, unfortunately there's like no housekeeping staff today know all these things then he said okay, you know what I have another room like would you like to go to this room, then he gave me then it was thankfully it was a double bed room you know and that room was clean so like and this this guy was like at first he was like doesn't really care you know like about your experience or whatever


but then when he when I finally went back and told him the room was not even cleaned like he realised that it's their own fault you know then he was like and he gave me the double room then I was like okay you know what at least like you know then then then the guy was like quite friendly you know after that I was like not he like at first he was


not defensive correct at first he was quite grouchy and everything lah, so after that he was like okay okay no problem then I thanked him then he was like just nice lah , , so things like this always happens ah like with uh when you book through a third party uh agency right like ya it is a risk ya


and some more it's like it's agoda you know it's like one of those like really big uh hotel booking sites you see, so apparently whatever you book right they gotta relay the information to the hotel so even I check their system it was, the the agency booked with the hotel as a single room


so the agency screwed up basically, ya so if actually, ya actually I wanted to write a email to like refund me the money and everything lah but eventually they give me the room you see so I I felt like okay there was no reason to bring up the issue


close one eye ya ya ya, ya , oh most of like unless you like if you stayed boutique hotels right it's like this is like all like two storeys three storeys high that kind of thing is like you know townhouses ah it looks something like that so


oh ya , oh


part two positive experience, sure okay okay


ya I know , okay okay ya I think so correct (uh huh) okay okay okay


correct correct, okay ya okay okay correct okay


oh, okay okay alright okay okay okay oh !wow! okay


oh ya, okay correct scan okay !wow!


ah, alright ya ya oh okay (uh huh) oh okay okay okay okay okay (uh huh) okay yup oh okay !wah! okay oh !wow!


so you can choose for yourself, !wow!, okay okay ya , okay oh yup okay (mmhmm) okay okay


oh !wow!, !wah! that's quite good !wow! yup okay okay correct yup okay


oh okay, (uh huh), okay , okay, oh


oh okay okay, okay okay ah okay correct correct ya


true true ya , (ppc), okay for me right actually I use iphone lah you know and honestly speaking I've been using iphone ever since I think iphone five S, so my past I remember about past five phones right


it's all been okay it's almost about ten years lah okay I think ya since two thousand twelve or something like that so it's all all the way it's been uh I've been using uh iphone the iphone and because when I went to army that time right I took a blackberry


because you know you cannot have camera like correct yes, so uh ya I love blackberry so when I came out of uh army right when I when I was like okay ORD already right then is like okay you know what , because my all a lot of my friends all they were already been using iphone you see like since the three GS times lah so I was like okay lah my contract was expiring so I I should go and get a iphone lah so I went and


it because I was not an android user you see I was like from blackberry then I went to iphone so I was like eh okay this is so easy you know everything is just like the apps all you just move around that kind of thing you know so the latest iphone I got was like last year which is like XS max, so uh so this XS max right is like slightly more bigger the screen is bigger and uh okay I'll be very honest lah for me right I don't use my phone for a lot of functions


I okay I mean of course we take pictures and all these things right so, ya social media and all these things but I don't play games I don't like do my diary my reminders I don't use my iphone for these things my my phone is like really a lot of documents lah I because I


I prefer to use my phone for as a basically a laptop than use my laptop because like laptop quite bulky right you cannot travel around with it all these things and even your tablet my ipad is like even I still think it's quite big lah so for me uh iphone is like just nice you know and my data is all occupied by documents and


and honestly speaking right you know because like I'm always flying and stuff like that right so, you know you don't have like how do you share documents with your colleagues you know when you're like up in the sky or whatever right so for for me the most important thing was like airdrop, nah airdrop is like oh my god so convenient lah so you what bluetooth is like you just connect to any iphone user and you can just send it


you see but like of course with my colleagues who have like android right is like I think never mind lah we land first then I'll whatsapp you the document lah you know , so for me that was a very big thing and another very important thing right if you take photos right, uh I like of course like


for iphone the my iphone XS max right the, uh, sorry uh ya the camera is only seven MP, I know android all like I think more more than twenty MP right these days


right so so I know the camera is like okay but the for me the other settings of the camera lah like the aperture the depth you know the background that you, can select you get like all this like studio mode the stage light mode all these things right so it's like it, lets you take photos in a different perception


and I I think apple also came up with this concept where they if you go to #dhoby ghaut# MRT station right you can see all these posters of like photos then they'll put there it's actually advertisement for iphone but then they'll put there below this photo is taken by iphone X or XS or whatever


so it's like it's like to show that oh you can actually take uh beautiful photo quality yes correct and it's not just photos you can actually uh if you go and uh go to youtube and you search right iphone movies right you can they actually like


take like short films all these things right with their iphone, then ya so they the what they try to promote is like diversity of the camera of your iphone, which I think like , for me it makes life really easy lah, you know like you don't need to have a DSLR you know like


you carry around a DSLR is like, for me mostly it's about carry around stuff lah you know I just need one device that got everything can do everything very easy and you know it it just fits easily into my pocket, I'm I'm that kind of person lah I don't like to carry around like uh hundred devices with me lah


so that that is one of the reasons that I really love uh iphone so, after I got this right then I decided okay you know what there's also many apple products right but, one problem one downside like apple products are so much expensive, is, bloody expensive you know so so then I was like okay you know what I was actually uh eyeing my airpods for a while lah you know since they came out the first generation airpods so I was like uh okay this looks good but a there was a lot of issues on it


you know like you can't wear your airpods and you can't go jog because you know it's like basically your apple earpiece but they just like without the cords you see, so your apple earpiece like you know it's like just like sitting in the well of your ear you know it is not like a in-ear earpiece so


correct so and, you can't jog correct you can you can work on a gym all this things but you cannot jog, because like you're bouncing and everything right that thing will fall off, so there was a lot of issues and even the price was I think it's about a hundred and eighty dollars if I'm not wrong


just a normal airpod itself so I was like okay lah and a I heard a lot of negative reviews about it, so I was like okay lah maybe it's not really worth getting into and then I think uh towards mid of last year then they came up with the airpods pro


the best thing right, was that it's an in-ear earpiece, so I mean I've always only preferred in-ear earpiece lah even from the back in the times when I was like using Sennheiser or JBL right I've always only used like in-ear earpiece because you know you need that noise cancellation


thing lah and I really hated wearing headphones, it's it's really bulky and it just like presses your entire ears inside right it's like, it's very uncomfortable imagine you watch like a three hour movie with it you take out you just want to like flip back your ears you know


so so so I was even against that lah so when this one came right so I was like okay straight away I went to buy it's quite pricey lah it's almost four hundred dollars so pricey so I was like okay lah you know work hard for it so let's go and get it it's like a new technology let's try it I was very impressed very impressed


firstly right you can control uh the noise cancellation, so basically right when the earphones is in your ears right uh and you're listening to song right so there's lot of ambience noise right, so if you choose a noise cancellation mode on your phone uh you will not hear a single background noise it really almost one hundred percent shuts off the background noise


but then when you're hearing okay say imagine you're walking with your earphones right I mean your airpods right and then you meet your friend and then you want to talk to your friend right because right now noise cancellation you can't hear anything from outside right you don't have to take out your earpiece you know you just need to change the mode setting on your phone to transparency


so when it change you can hear all the background noises all the ambience noises, so you it's selective correct, and you can actually control this not from your handphone but just from clicking your own airpods, you can just control it so you know you don't have to like take out put in take out put in that kind of thing so that is one thing I really enjoyed and then it also comes up with uh wireless charging case


so if you have a uh like a you know like a wireless charging uh port right you just put it on top of it, you don't have to like connect the wire so it just charges it just like that, and it almost last me right honestly speaking right, the the life uh of one entire charged uh hundred percent charged airpods right can last me for nine hours I'm not even kidding


ya and so I don't have like I mean okay ah imagine you watch a one movie like for two hours right after that, you're not going to do a movie marathon right so after that you take out you put it inside your charging case already then it just charges it's a holder and a charger you see so like okay maybe like okay at that night you want to watch a thirty minute show your your so it's completely charged


you know sometimes when I go to bed and I'm listening to song right like my playlist will be like running in the morning I imagine I just fell asleep lah the morning when I wake up right the song will still be playing you know and I've been like sleeping for like, eight hours plus already you know then I'm like oh shit lah you know so I will go and put it back charge so that was one of the things that I really enjoyed and the and connecting your device to your handphone iphone right


is damn easy it's damn easy you just need to name your device I mean it auto detects lah when you open up your case right it auto detects, so you know like like right now I got two iphones right if I open up my device, both my iphones will detect it


then the it'll it'll request do you wanna connect to this device or that device, so you just choose lah which which device you want to connect and it just connects automatically you don't have like go to bluetooth, uh look for the device then uh add the device, correct as long as uh uh ipod uh as long as it is is connected to your account right your itunes account right it just detected uh detects it auto


so that was one of the best things about iphone so, ya so so I think like for me right I I'm a more more of a fan of apple products because of the ease of it, like even my my parents are android users you know so uh last time I got my dad the iphone and he enjoys it


but my mum is still a , she's she's still uh very sceptical about iphone lah but I'm trying to convert her ya , oh serious okay


ya ya ya, okay , okay okay (uh huh) okay ya ya ya okay okay


(uh huh) okay, okay okay ya okay


oh, okay okay !wow!, oh


correct correct (uh huh) correct correct okay okay (uh huh) okay okay !wow! !wow! !wah! that's really good straight away wake up !whoa! okay (uh huh) oh ya okay


!wow! really


part one finance, okay so <P2>arwin</P2> you want to start first on your savings account or, (mmhmm) (mmhmm) (mmhmm) ah ya ya (mmhmm) (mmhmm) ya ya masters ya


so how many cards you have now, oh okay okay (mmhmm) (mmhmm) okay ya oh ya I see I see I think


so for me something similar to yourself like uh I think very long ago, about twenty years back ah uh my mother actually created for me this uh joint so I have, I've a joint savings account, which a bit confusing because I mean I have it but I do not really use it lah but


so I think like my mum will transfer some money inside there for me but it's something I do not touch, I I also have another savings account those you know those POSB savings account with that the animal figure, last time one ya so they have, they have that and then


it was something I had since young, uh so I think it's something similar to you lah whereby that, you know it's just uh so I mean last time my pocket money is given uh cash so there is no need for uh ATM or anything, then I think, in I think after JC when I started working outside so I mean I have to you know deposit my money then I want to withdraw money because by then already I decided to stop taking my parents' money lah


so whatever I work is my own pocket money, and, so that was when I, you know back then were the cards were still those swiping cards there was no chip and all that so, that was something that I was using but people around me are very advanced lah you know they have the chip and all that