but usually clients are very vulnerable when they are in the banks because they trust the bank it's like they don't trust what the life planner actually advise them but whatever the bank advises and then they says oh yes everything is okay they are so vulnerable at the bank


the red


part three negative experience,


hey good, I'm fine, ,


yes yes definitely a lot a lot you know especially when you are in the facebook and you see a lot of advertisement they look so real and you also tempted to buy and I actually tried them you know like especially the uh silk mascara


you know you will actually eh help you to enhance and lengthen your your lashes, and I bought it you know not only once that I've been cheated I bought maybe about two two difference advertisement it has not none of this effect at all and it's like I was so excited when I received the products and I just tried on my lashes


there's no extension at all I was like very disappointed, yes,


yes I do I am one of the victims too, yes california suppose yes, so expensive


maybe about, yes yes yes yes, , uh yes it's for two years correct


yes, for me yes yes


, for me it's classes they have varieties of classes so I love their classes, yes yes


me too I was at raffles, yes yes I even purchase a locker, because it's so inconvenient for me to take all those shoes and my uh my clothings my gyms attire I just usually leave it at the locker


no I didn't I didn't, because I how much does it costs, uh you do have one


ah okay, !wah!, ah ha


no wonder your body so fit ah , , ya,


, , , , yes yes,


yes yes yes, ,


okay, yes !wah! that's that's that's ridiculous yes yes yes,


, , , yes and the staff was really very dishonest they because I asked them orchard closed down so why are they closing down


they says oh because they are search searching for another location so they didn't tell the truth so I was like oh okay location which location oh somewhere in orchard at wisma area or taka area, but no it doesn't and then the one after another is like I have the same problem as well they asked me to renew my membership but I didn't renew and worse still I actually recommend that one of my friends to this california fitness she sign up for it my goodness


yes yes


, exactly, yes me too my friend also I feel so bad for my friend, then although she didn't actually reprimand me but I really feel very bad because I'm the one who introduced her to this california fitness she was previously from another one what was that I forgotten and then she she ended her membership and she just came over and there it is she suffer her losses


I feel so bad, yes yes yes, ya


!wow!, , why so much


uh personal trainer ah uh my god, uh, okay okay, I feel that it's really ya unscrupulous ah


, , not able to because they are bankrupt already how are they supposed to pay us back


, very


, yes yes like watches clothing shoes, ya I do, bad experience as what I says lor the the the the mascara thing that was really ya I bought it online the facebook online


that's very disappointing, , okay


(uh huh), oh okay, shaver


how how big can a shaver be, you're breaking


is it is it my wi-fi or yours it's breaking,


it's breaking, I have lost you


ya uh you are back yes yes yes yes yes, ,


you mean it can't shave it off because of the size that you feel that is not right, eh, connection problem again


, but what about the shaving effect is it good


ah okay, , okay


, (uh huh),


(mmhmm),


, ya you need to check the review before you buy things, ,


, , it's so deceiving ah when you received the product and


yes but it's sometimes really unavoidable because the advertisements are too enticing and it seemed so real so you won't know until you buy it and it's like oh you you are you have been cheated, and your your money is gone


, no no usually usually their experience are good the services are good you mean you encounter bad experiences


yes, uh (uh huh),


, (mmhmm),


five star hotel and they do not have kitchen, (mmhmm),


, ah okay, oh okay


(uh huh), !wah! during your sleep, oh are you the only one who experience that or your family members too, !wow!


continuous continuous for a few days or just one day particular, ah okay,


, ah come to


!wah! that's that's scary come to say think of that ah I think I have one experience in KL last year last year we actually went KL to book a hotel and together with a few of my friends maybe about five of them including my son


so my son really saw saw spirits in the hotel room and and I actually encounter it although I didn't see it but the night was really bad it was really a long night, when I was sleep I couldn't get myself to sleep but I just couldn't wake up at at uh at the same time I just hear noises and I just feel the presence of them everywhere in the house


, , it it was really a not a good experience I I hate that kind of experience,


, , , but it's, K


ya maybe maybe I I do sometimes have the habit but sometimes I just so lazy, my mum was still nag at me and say wash your leg wash your leg so when when talk about washing leg now I actually you know


believe what you says it's like sometimes you bring all those dirty things those dustings into your how subconsciously so it's good, it's a habit to do that so I got to change my habit


ya, at home ah,


no actually all the devices are good it's just that handphones ah I think people have their preference on the handphone whether whether to use an android phone or use those uh non-android like samsung iphone previously I was using iphone and I love it


but then I feel the inconvenience of synchronising the my information up you know last time they don't they do not have those icloud thing and I just got to sync it and then worst still every time you know when my son touches my phone and my phone got locked


and a few times of it so I couldn't use that that phone anymore and I need to go for a factory reset all my information are gone so I really I really hate I really hate that so now I switch to samsung and it's a lot more better user friendly to me yes


(mm) android phone, yes yes


part two positive experience, hey steven any products that you bought lately that you have a positive review for feedback


you have a dual screen on your side another


uh non-debate I see the non-debate ya correct no topic two positive product review is not there


no it's the old question


I see discussion guide , but this is non-debate one


ah okay they have food and beverages they have consumer electronics gadgets


okay okay,


okay positive product review, hey hi steven welcome back I'm good,


, actually not much the only thing is that you know lately I'm on this slimming programme uh which is the wellness programme this this product is something very very unique the brand of it is called #yang shen# so it's actually a herbal belt thingy


and then it's like every morning from five to seven you just put on your belts and you just you just let it heat up your tummy at night maybe about nine to eleven you heat up, so the the benefit of it is that they actually monitor my weight everyday so everyday I got to send report before nine o'clock on on my weight management on what the food that I actually ate and and they can actually advice you what to eat and what not to eat what to avoid and what not to avoid


so the the basically the programme is actually a three months programme and the most important is that they actually tell you, solid and liquid cannot mix so when you're eating one hour later then you can drink water that kind of thing so amazingly I saw a drastic drop on my weight but it's just that sometimes I do have my cheat days and when I have my cheat days my weight just went up


so I ya I really do need to manage, there is no side effect to it because they don't have any medicines or tablets to let you eat


, so far, uh, the the the belt is actually a cloth material with some mesh mesh belt so if you if you are sensitive perhaps you just put on your clothing with and then with a belt on top for me is that I just put


it's just thirty minutes, no the belt is not washable so the belt is only good use for thirty days one month so after thirty days you will change a new belt although the belt is still working but you need to change to new belt because the package comes with belt and one herbal pack no three herbal packs actually


so the herbal pack can only last for maybe ten days after ten days you change to another new herbal belt so in conclusion is that if it's a three months programme you actually have three belts and it's a three working belt,


no it does not no it does not help you to reduce weight it's just help you to neutralise your body system like for example you know women that have menses cramp every now and then it will help you to reduce


and it also like maybe you have insomnia it will help you to to sleep better, so it's actually for a total well being this belt doesn't help you to reduce weight this belt actually for your total well being only the reduce weight actually comes in on your diet


on the food that you take, so you got to be very very careful on the food that you take like no no fried foods no junk meals no uh sweet, things pastries like for example even, bananas and and this this grapes you can't even take an oranges also so these are the things to avoid then like tea it will neutralise the herb that is in your body curry you also cannot take so there are


few things that you can't take so if you do not know and you happen to take it it's okay you just put it in your list of food that you take last night and just submit your report in the morning then they will tell you is this the correct food that you are taking or not, yes


yes the only thing is that I got to wake up very early in the morning at five o'clock just to do my belt thing , , yes


, , ah okay


, , , oh okay,


ah okay,


!wow!, , ,


, !wah! that's nice, , definitely yes yes


save costs yes yes definitely !wow!


it's just one hotel or a few that you can use I, ,


, , ah, okay okay


ah, ya ya hotels in Melaka are really expensive especially on five stars hotel it cost a lot ah


that's nice really save a lot of time, yes


ya, (mmhmm), !wow! excellent concierge service ah,


in in introduce introduce to me , so what about this COVID situation uh is this card they they do they still extend


ah, ah,


yes yes yes , ya that's nice yes yes that's nice ya you need to you need to recommend introduce me what is this about you know so that I can join enjoy the privilege as well good things must share


no too sweet I don't want to gain weight , uh yes, yes


yes I'm aware, , ya same same here no I don't you I I try to I try not to drink too much, no I don't want to get addicted to that you mean you are addicted


, yes


ah, ah yes, ,


but I like liho's packaging the cups is really awesome as compared to gong cha you know, their their cups are a lot better and the quality wise is a lot better but of course when comes to taste uh gong cha is better than liho


, , true true true agree, ya but but the price the price is almost the same also


, , , !wah! you really keep track of them ah


, , yes yes it's very fragrance yes you can taste you can feel you can taste it


, yes yes the latest one the brown sugar, I don't like it you do you like it the brown sugar


uh as as what you say you can reduce the sugar content, yes yes, but a lot of teenage love it it's the in thing now brown sugar I tried the uh liho's brown sugar is I I don't like the taste but the tiger one I tried it in malaysia it's kind of nice nice


I have not tried any in singapore so , , , no no no


no you have any, !wow!, (uh huh) that's ten years ago


ah okay


the TV is really very loyal to you ,


you must have bought it on a very high price, , okay


, philip, wise


, oh, uh !huh!, yes


, yes a lot of them buy the TV they wanted it to last and you are the only one who wants to exchange for a bigger one so some TVs they do allow trade, in maybe you can try if you really want a very huge TV


ah okay ah,


, your rooms doesn't have any TV


ya a lot of static, , , okay that's nice study room okay


, yes yes, yes, yes sometimes you just want to have your me time ah no interference just you and the TV


yes I do you know people one of my friend actually recommended me the estee lauder advanced night repair !wow! it's really awesome you can see that my skin was really very bad ah and the pores are huge after using it I can see that my my skin actually drastically improve uh


skin colour even and also my pores actually close up quite a fair bit so it's kind of like very popular estee lauder advanced night repair check it out


uh no no no I I bought two bottles of it , oh yes yes yes, uh one bottle costs about maybe hundred and fifty dollars but can use for a long time maybe three months I've used it for one month and and I saw the bottle is just one quarter usage so because you use it only at night and about three drops of it yes yes maybe up to six months


, ah okay it's more for sensitive skin, ,


, okay for people like eczema is good for them to use ya, oh okay


ah okay after shower your body is so moist so your your pores are all open good for absorption, , , so you apply throughout your whole body oh !wow! including your face


so you does see a drastic improvement in your skin, , really baby's skin,


okay , part one, finance , !hey! alice how are you


eh long time no see eh just curious ah do you have a personal finance oh it's personal insurance


so I I I not so sure about you but, I mean I uh, I mean in the in my younger days I find that uh I don't really understand insurance policy and and I tend to buy a lot uh but now uh I get a little bit wiser


and tend to review , the the insurance plan but uh I find that the most expensive uh is definitely the uh whole life you know the the I find whole life is really expensive


ya and uh but I find (ugh), based on our age group ah did which do you think that the endowment is worth buying


that's why


oh yours is yours is endowment okay got it, yeah mine mine is pretty much the uh the whole life but uh, I think uh I I realized that I was pay through a lot of things so now a little bit smarter I decide to now not not working right so must buy personal personal accident and then if I travel a lot which now COVID I cannot travel I stopped buying


I stopped I stopped buying travel insurance I don't see us travelling for the even until, twenty twenty one and then I did buy the uh the integrated the integrated uh hospital surgical plan to to top up or to complement the uh medishield


yeah I think that's that's the reason why I I decide to come back home to singapore because, if you if you've been to US I I'm sure england is not cheap like england the uh the


what what is that oh is it free, but but I'm sure but I'm sure when you work you have to contribute to that right


oh but the tax is very high how high is the highest bracket ah income bracket


ya that is a !wow! that is not I won't say that is very high, but that is not low at all


ya I I I do understand but I I I actually very very appreciative of the system here in uh in uh singapore probably because I have a friend uh she's she's an american, and she is uh she is uh she cannot she's not qualified for the medicaid


uh until she turned sixty five right and she still have, and she's not working you know so she has to work uh, freelance on real estate freelance on other things to pay for a very expensive uh medical insurance policy and with a high


high deductible so that means that for me I can choose not to work because is so affordable here so very appreciative


no dependent dependent protection scheme no the the dependent protection scheme is you have to normally the sibling not sibling children will pay for their for their hospitalization uh insurance


what what do you mean this is this dependent protection scheme I thought it is a that one of the children must, must cover the parents


eh alice alice ah dependent means our parents or our children no so it's either all leh


got it got it got it okay maybe I have to find out more because my mom is a (hmm)


oh my gosh this is very confusing okay then you know this uh this whole thing about uh uh insurance right uh do you ever do you ever buy the, investment IP ah investment protection kind of policy


right yes I I did buy I did buy a few lah I tell you what eh just let you, know ah alice I can feel the pain because ah all this all this stupid policy ah your friends I our friends ah are in this field they keep knocking on your door right


I don't know about you they keep knocking on my door and uh and that is the outcome of it you know but anyway uh it is it is very fortunate the one that I bought did, did decent uh you know ya make money


uh uh better than uh better than the whole life uh returns so so so the thing is that it it was a force savings on my part so I'm quite I'm quite happy but I was really burdened by it actually


ya I did I did surrender, I did surrender when I when I when I came back but what I'm trying to say is that uh it is a, burden financially a burden because you have so much commitment


ya let's hope let's hope let's let's hope let's hope things uh turn around, yes


eh alice ah I'm curious you know uh do I do get approached by uh well meaning, insurance people financial now don't call them insurance agent financial people that that that that, encourage us to buy uh endowment on top on top of what uh our retirement


uh is offered by CPF so is that something that you are looking into it endowment because after a certain period right then you can start withdrawing you know to help to pay for your uh your retirement uh expenses


!wah!


to be honest with you uh how much is enough right how how much is enough uh I think I think that I've to be honest with you I think that if you, if if you, max out your your uh retirement uh if you max out your what you eligible for and you do


not have any more that okay you do not have car you have no more housing loan, uh you have no children, I'm telling you you can it is uh what CPF is offering is at least I would say half to two third of your expenses


but that's that's where, that is where you know if I were you, I mean okay for me lah ha I will stop I will not buy endowment I at this age I will not buy anymore of this but I will use the excess money whatever excess money if I were you go and invest uh in the uh in the mutual fund or unit trust


no lah share share stock stock is uh is obviously you must monitor but then if you buy blue chip stock eh alice ah if you buy blue chip stock just leave it there it will grow you don't have to check


I think you mean what if you put money in uh in uh CPF it can withdraw anytime, oh but but if you are above fifty five you can't do that


maybe maybe maybe I should ya maybe I should do that instead of putting in the in the fixed fixed uh fixed deposit, ya


yeah that's true that's, true lah partly because you know why partly because you know I'm trying to figure out what what I can do ya because uh you know have not decided yet


ya no you do you do you do have a point there and then ya so I put investment linked policy which we which we talk about it


so yes you are correct just live simple okay no debt you will be fine but of course must travel lah that one is a must uh


how to travel right


not as much as uh now because I I have already been away for so long have done so much stuff if I travel there must be a reason uh and nots travel for the sake of traveling if if if just to, go with my family for sake of my mother I will go


but uh but but there still couple places that is in my bucket list, you know like like like alaska alaska I want to go back to israel again, uh yeah so so so there are couple of places you'd be surprised that uh we should try to cover you know I think israel if you are a believer you should try to to to to go there


it is it it it it brings it brings the bible to life, go and work go and freelance and work part time and save the money


oh congratulation, I haven't been very proactive in uh in my in my freelance uh in my freelance gig because uh I have a friend approached me to help with the operation piece of the startup company she is starting


ya so so, so but you know she !aiya! you know startup, how much can they pay you , that's number one number two you know , , I I rather help with uh with no pay you know why because if they start paying me they start to have expectation of me


so I rather I rather they give me the share of the company if they ever if they ever go listed, no lah I haven't really uh pursue it but uh they still keep asking I said I cannot help right now because of my module five


and I feel personally but I feel, personally I want to have control of my time at least at this stage of my life I want to control my time not say, not say that I really need the money really seriously so that's why I have to I have to wait but if if if the same person keep asking me several times throughout this whole year it's like you know it's like a signal to me that I should not ignore so


I depends on the stage of my life I I depends on the returns the expense, ratio, uh the returns expense ratio and also the financial advisers, uh uh, what you call


, part three negative experience, so uh okay I know that you always, find it very hard to think ah you ya I I can find many ah


eh and it has nothing got to do with the fact that I am a negative person it has got to do with the fact that I am I, am in a service industry f and b, and and most of us and most of us are in uh most of us need f and b right so so I work for a company that uh focus a lot on uh fast and friendly service you know I think I I I I don't know why did I tell you that I was I I did work for mcdonald's


so any, how uh just now you mentioned about singapore I got a culture shock you know coming back to singapore I find that I find that uh service here is


way way way below what I am hoping for and uh you know you know, not so much of a not so much of a, you know I think it's not I I, I think to me it's got to do with the fact that uh we as singaporean


is a is a not uh, no we singaporeans are very impatient, very uh, how to say impatient and then


and then uh ya, and then uh that that, uh cause the customers to be, impatient with the service staff, or not not not reciprocal, okay and uh and because of that because of what


the service staff uh have to deal with uh with rude customers that's number one number two I think that a lot of small chain, or SME are not emphasizing on uh on the service in fact I noticed that I'm the one they have to say thank you to the cashier instead of they tell eh oh instead of they telling me thank you it's so


weird so so this is my overall bad experience


oh you oh so it it so when you came back to singapore you're more of a trainer, okay so


yes I think for those who are away and and and and and that is why I noticed that uh I think because singapore singapore did try to have a campaign uh called the


gracious I don't know whether did they have a campaign called the be a gracious uh uh citizen or a or a or a uh be a gracious human being you know what I mean, but uh I have to also catch myself because uh when I find, that's a staff is either uh not interested to serve me


or also got like, it's more like a is a b is b they don't go beyond a plus you know uh they they stop at where it is like, oh my gosh uh do I owe you a living and or do I owe you a living


and uh and that is where the service culture and mindset in singapore is so low


is it Penang


you know ah I want to say this ah I I think we should never accept the, fact that just because just because everything everything is DIY ah do it yourself or just because it is like you know <mandarin>一分钱一分货:yi fen qian yi fen huo</mandarin> that kind of, kind of uh thinking ah is very wrong why I say that uh I know that uh most of the time I would say that at least half of the hawkers are considered okay and half of the hawkers are considered like the I I but I know of a few that I've come across you can tell they are so pleasant


you know and uh and and and and you are correct, the the the is is really the whole attitude of the culture in singapore if you ask me this if you ask me honestly


, (ugh) so disgusting


right right, okay, yes I have been to Desaru uh very when I was very very young during my NUS NUS days, I uh


we we canoe from singapore to Desaru, ya, with overnight was an overnight thing ya we canoe from singapore to Desaru stay at the beach for overnight and then and then and then went off I don't think I


can't remember that if I ever go back oh now I remember when we went back again it was for a I think the ten kilometer run in Desaru


okay ya yes, yet, oh oh ya lah maybe maybe for that for that place ah but out out in the sea there wasn't any uh life life there, was so simple and uh


and very very fun you know uh very a lot of uh outdoor ands ands uh I think I I was I was more into experience rather than rather than uh yes I work very hard you know career is important but


I'm not I'm not that that that the high flyer type I'm a I am the moderate to low flyer type, never I have never, I I just think that uh experience is to me ah, to me lah ha, is uh important if if uh if not uh I think I wouldn't have stayed


I mean like back to your point you know about tax you know like the u UK tax is so high do you know how much of the tax in uh in uh china forty percent, income tax and then uh in the US can be as high as uh thirty five


at the highest, tax bracket is thirty five to thirty eight percent, so so you know I'm sure UK now is higher it's it's not thirty five percent it's much higher now the highest tax bracket


uh are you trying to tell me that two tax bracket,


oh TV quality ah


I told you mine is uh sony uh right now uh and uh but, uh, I I just moved here I just moved to my new place I only moved in only in uh in in late march before the COVID lockdown so everything here is new my whatever I bought all new


uh, I don't know what it what is it I don't know whether is it fantastic or not of course it's I you know I I came back after after so long after so long away from home so have to start everything fresh, spend more money lor


hope, hopefully hopefully will last me uh as long as I can stretch


ya lah of course ah we pay we we pay so little you ah , pay so little


so you are staying alone you are stay alone in Kallang area, eh where are you now you say you say somewhere near Kallang river, oh okay


right right right right right that is quite convenient ah, what's your what's your MRT train MRT station, okay okay have had ah


I have uh I have uh never never uh use the station there but I've been to my friend's place in Potong-Pasir, ya, so so uh I want to make sure that uh so what what what what are the negative experience which I would say


okay the one that is my biggest pet peeve, which happens in every country no choice due to labor cost goes up is when you when you call for customer service and it's automated machine I hate it I hate it I hate it


can die ah, I know is by AI I know I know from there sometimes they tell you, please speak to the please speak what is it that you your


request is if your accent is so strong they guessed everything wrong that that is for US side !aiyo! I tell you sometimes ah you speak oh they they they they they their prediction is is is off you know I mean


so this is my


yeah yeah very unfortunate, , now I I think in a younger much younger days uh if go for eh such trips it's always very short uh like a package thing it's very short


uh if it is uh if it is a package further away uh normally is a very small group, uh and then if not it'll be customized you know customize means, uh the like like the issuer group is a is a is a customized group


you know that you went you know so so, ya I have I have done both ah oh uh plan on my own customize group, and, and only in my younger days then is a package tour in my, younger days and so far has been uh pretty pretty okay


uh gym in singapore no uh in the US yes uh in my in my area in my in my little town we have the uh community gym centre very decent very nice affordable


uh and oh thirteen and a half years, yes very very very long yeah and uh and that's why, and that's why you know , when you away for so long plus china you see things differently you know and uh and uh ya sometimes I just cannot have a decent conversation with people who are very close minded here so


oh popular trend popular trends I don't like I mean I mean I mean for me I I I I I don't follow social media whatever they talk about I don't follow I, find that social media feeds feeds each other uh all the negativity I I try to read as broadly as possible


and I try to focus ons uh the no as I as I come back with a privilege of not having to work I spent a lot of time in in in the word you know every day I I try to read the words because I want to be more grounded


and so and so that gives me a lot of different thinking, and perspective, so I'm back into uh I have two BSF group


uh I think the most important thing is that do not spend too much time on social media and go out and go out and enjoy nature


, okay alice I know you want, part two, positive experience, okay alice I know you want to share a lot about your positive experience you go ahead


so so so so what is your positive experience in the in when you when you buy stuff or when you visit, uh when you go to restaurants


oh ya ya ya ya correct


uh I think that's a, uh sometimes uh, cheap things does not mean that it the quality is bad so as you know I love to, I love to go for nature walk I I do a lot of walking every day


and and throughout the throughout throughout all these years uh you know being away and move a lot I realized I had also wasted a lot of money uh on clothes on things that I never really use so now you know at this at this stage of my life I try to be uh frugal in the right sense ha


I I don't like I don't want like to, I don't like to be frugal in many ways there are certain things that you know so so I happen to need desperately uh uh quick dry t shirt so I went to the the, decathlon and my friend told me that decathlon sell things that that is a


cheap and and pretty okay pretty good so I went and then I bought a t shirt a quick dry t shirt for walking so I had it uh I had it for a few months and I bought two t shirt but have been walking so often, that uh I realized I need more so with the same t shirt model I think I paid about fifteen to sixteen dollars per t shirt when I went online few months ago to buy three about three t shirt it cost me five dollars per piece same model


the the I think I think when you walk into a shop you you gotta pay more if it's online you order and you pick up from the shop it's so much cheaper so so the things that I fit me very well I order again online and it's like more than half the price


so just let you know it is worth uh going to the the, decathlon uh for the things that you use every day I'll say cheap and good and also the service the service the one that I went to is a novena novena uh velocity city mall


is overall has been quite good so so I find that is functional, it has and I use it everyday okay the t shirt I keep washing every other day because because I use so often, and uh I tell you worth every penny worth every penny


!wah! you never you mean you didn't put on weight ah, !wah! you so good you didn't you didn't put on weight


quality quality drop, uh the only shoe I have tried other brands is said uh nike the only brand that suits suits me very well is a new balance


uh why, new balance is well known for its uh running shoes, uh long distance running shoes, it uh if you buy from america, it has uh the option of uh single wide and double wide


uh uh at the front so because my feet the shape is very wide, where the where where my toes are, all my shoes that I buy, is from the states all these years and also uh


any walking shoes or uh working shoes, I don't normally I do not normally buy in singapore because it did they only have, they only have regular regular means only one type, while in the US they have single wide double wide and regular that is the that's the best


no lah of course of course I I was overseas that's why I bought all my shoes, there and uh and and, and they are so much more comfortable than the shoes that's available in singapore, so I find it very hard to buy anything from singapore, but I have


I I think I think I no choice but to change my mindset, yeah the model sometimes uh come and go with no matter what you still have to uh try, because uh different model comes in


all the way to the states, ya so so so so we'll see how and then who what's your favourite what's your favourite uh, f and b ah


food and beverage uh restaurant


oh my you are white, why why you don't eat all this


are you allergic


taste taste so good okay lah good for you you save money ah, no good I say I I, I I don't think, you better bring your own meal if I invite you please bring your own meal, or else or else, or else you affect my experience


, oh my gosh that is that is tough


that means that you are dairy intolerant, you are you are dairy intolerant so so that's fine


no wonder no wonder you so slim now now I know why because all these uh uh do add calories to your intake, so so so so far, my best restaurant I mean I have, I mean I I I'd like to eat but not crazy crazy about food


I think uh one of best uh service restaurant !aiyo! got got quite a few man ah, I think my, best experience my best experience was, in uh in madrid I was, I was there two years ago for camino walk I I went for camino walk in spain


and I'll arrive early earlier and then uh some friends there, arrange for a michelin michelin star kind of a restaurant visit because uh spain, michelin restaurant is much much much much cheaper there


the michelin restaurant in asia, so for for three nights, uh now I know why lah ha they are called michelin service was excellent, the food was amazing the wine was super fantastic plus the company that was a wonderful experience so so uh uh so I would say that <mandarin>一分钱一分货:yi fen qian yi fen huo</mandarin> you know what I mean sorry I I'm not supposed to say in chinese but


but it was it was fantastic yeah it was it was a fantastic so , anyway that was my food and, beverage basically okay I like shake shack you know shake shack they have they have three outlets in uh in


uh in singapore I love I I do like I do like , good quality burgers


oh ya no signboard is that is that is that with butter, okay well but


I I find that crab crab is best to eat at home, I find that I find that is much much much cheaper to eat at home cook and eat at home and can be messy when outside it is not only very very expensive in singapore ah


number two and number two is such a a lot of work very tedious


uh uh sports and fitness I'm sure you enjoy uh sports and fitness so what is your sports experience what's what is something that you enjoy doing


how many how many years were you in UK, so that must have left an indelible mark uh on your life experience


uh , okay, she is still she she's still around right, okay so who's looking after her


right right right right so so what is your favourite electronics and gadgets, okay okay your favourite brand how about favourite brand


for me for me for me is uh when comes to phone uh I think when comes to, internet stuff ah internet related stuff I like apple, uh even though it is expensive it's more expensive but is a is a, is a closed source


so you don't you don't get a lot of this uh uh spam or virus problem that you find in other devices like windows ya, the only thing that the only thing that I don't use apple, is my laptop I have a windows laptop that I bought uh in the US at a at a very fair very fair price


and then uh for the rest of my household item because I have to move to my own place so I had everything I bought is based on, functional, and based on the size, and uh of course it has to be a a decent brand that is a well known with a uh reasonable price so I do I do spend I do visits uh harvey norman


uh in north point they have everything there that is where I get most of my stuff there so so I think that bosch uh uh electrolux electrolux is what I use for my, washing machine and for the fridge uh very decent, and yes


and then the rest the rest is all over all over the place ah depends what what they're what they're known for like you know for TV sony is still the best to me, uh samsung samsung is very good but overpriced


okay because uh ya, ya you must get the new smartphone uh


so yeah other than that other than that it's a it's a very decent uh very decent uh I think, I think uh lately the most of the brand, the equipment are not meant to last long uh in my in my in my in my good old days my fridge lasted me so long my


you know now now now you cannot oh my god it's terrible


travel I I I'm a marriot I'm a marriot fan, ya because marriott everywhere in the world, and I can use the mouse and everything else


part one finance


hi hi Chong-Siu, personal insurance have of course in this day and age we must have some insurance, I have


cover for myself my family, , then sometimes travel as well lah that we have I as usual lah we have homes right so home insurance as well so all these are covered inside


and uh I I agree with you uh when I was young because I have to travel to UK and uh I was worried about my parent so I bought two each time I travel I I buy one and then the second time I travel again I bought two so I have two life insurance like you said lor


uh now not working still have to make payment is expensive


probably not already because because like you say our age group I, am uh I I I still, have some but I didn't start now so I have I have started some years ago and I think in the next ten years I will be okay because uh the the money will mature


uh yes yes, save for insurance hor


I mean I really like the singapore medisave uh CPF, insurance plan ah because that really kind of, , incidentally you working and then the money just goes in and then at the end now I can see quite


quite a good amount in there if I if I don't need it lah it's it's quite it's quite good to stay there what about yourself


but england is quite good because they got the NHS !huh!, , national health service so, yes yes each time you go to the doctor is free uh but if you collect medicine you do have to pay some a small amount lah


no you contribute to the tax the tax is very high, but uh you don't need to contribute to the insurance because it's covered under national so it's national health service


uh every month, , if you are foreigner it's about thirty five percent, ya it's every month leh so


uh if I work uh hundred pound uh thirty five pound goes into that I only get sixty five pound


insurance correct, and then some with the with the


with now, but then the the last time I I also opt for the dependent protection scheme, uh I kind of now regretted it in that sense, because because the the the dependent scheme


I actually my my parents are, don't really need my money now so I'm paying for nothing very much now but hopefully I can't remember whether, do you remember whether at the end I can I can claim back


no I'm like paying for my my parents mah because because I don't have children so I'll be paying for my parents but then soon I I don't need to pay for them already then


I think the money will just just disappear into CPF ah for other people is it, ah yeah I know but uh my my


my dad has uh gone home with a then my mom is also getting thrilled then then I have, because I don't have children mah so no need to protect anymore ah so the money would were gone I think I don't think I can take back the money


I know I know so I when I I put when I sign up for that that time, I, meant it for my parents so that they are protected lah if there's anything happen to me, but then if if they are, gone home already then then I'm


then there's no protection already ah


yes ah that time I bought one and uh it was it I looked at the track record was pretty good but then uh after I bought it for I think about three months into it then the situation was bad


and after that it was kind of like, uh, losing money now and then every month I still have to top up uh quite a large sum and then not working is my is depleting my savings quite a bit ah


but, I I can't I can't sell off because if I sell off are making quite a big loss and I can't afford it now, so uh either way I am feeling the stress ah, so but the time when I


bought it at time was good and I was uh working, so what about yourself do you have I, a few ah !wah!


oh very good ah very good


but if if you if you make IPL if you make profit you can send one eh


it is it is it is, yes it is but ah, the the good thing is that you earn some money from it so that's quite good ah because uh if if you don't earn and like mine like that I'm losing at the moment so (ppc) I find really very burdensome


but however there is always it's a gamble lah, either win or lose ah


uh some sort of profit ah I will probably terminate it and then uh then reduce the stress lor


ya financial planner


suppose we probably I I I I make sure I have one extra because the CPF retirement, uh, it's not it's not adequate if I look at it uh for every month starting from seventy years old, uh so I have one I bought which


supplements it lah which give me a little bit more on top of it I was actually attracted to another one uh but then, uh thank god that after that I stopped working because I stop working I decided I'm not going to pay for anymore, but if I'm working I will I will probably take another one ah


uh a bit because because thens, after that I really don't have to worry about working off because I will have the money put in but now actually I think uh with the, CPF retirement uh I think if just live simply eh probably kind of adequate lah


so yourself,


yes yes correct, yes yes actually is is not too bad in that sense ah but it's a it's not enough for for


travel if you want to have really kind of luxurious go to restaurant every every few days that kind then cannot lah


up to you but I have done a lot of this in the younger days I find very, very risky ah the heart cannot take it now grow too old already, because previously I used to do and then got to check the stock check the unit !huh! you know you go up I happy go down I sad


no so now I now that I stop working I remove everything already I sold off everything uh thank goodness thank god that at that time I sold off I make profit


but now so I now I don't have any not no unit trust no bond no oh no no no got I still got bond in UK other than that singapore no bond already, uh, so because you know why and the bank has no money as well so I now that I can put into CPF I can get two point five so I have money I put into CPF


then if I have uh if I need money I just withdraw so CPF like a bank so it's quite good to be old actually, ya ya ya you just you just go and apply and then pay now straight into your bank the minute you apply


can can can can precisely fifty five you can when you are young you can't, ya so does the CPF is very good


fixed deposit only one point something, ya so the, if I mean if the insurance one plus savings are some of the plans are reasonable you got extra cash is quite good for that because the insurance it have a little bit of insurance coverage and then it has a bit of saving uh uh


uh properties there as well so it's quite good but I think fixed d and all that I think to me don't bother just go straight into CPF, but the only the only difference is that if you have a lot of money in the special account when you withdraw they withdraw for special first


because special got four four percent uh interest


eh but talking about travelling hor when I was young I really love to travel because I was in UK, I travel a lot a lot a lot then when I came home with work and all that, work in singapore, doesn't allow you to travel very much ah and because you only allowed to take one week one time one week can't do very much anyway by the time you travel come back you tired already you go back to work uh


so then after awhile, now I'm, I'm okay not traveling also , you still like to travel ah you still like to travel ha


okay okay okay, oh I haven't I haven't I haven't been to israel yet


and it but it's not cheap (uh huh) the places that you plan to go are not cheap ah


okay I have I have some jobs coming up uh end of the month till end of the year, uh, quite good but I'm not the training one so the training one I'm going to ask them for for to see if there's any more training job with NTUC have you checked with NTUC


it's okay ah it's okay, oh okay excellent


so just to help out ah


!wah! !wah! your request they they are they are okay with it ah, yes yes soon soon you'll finish ah


okay okay, ya, thanks you have insurance your friends got insurance is it so uh when they when they kind of ask you to buy insurance what do you look out for


yes yes yes one with button


okay, part three negative experience


okay go ahead , ah yes


training all that ya, not in the service culture


spend a lot for other people


yes yes, uh uh uh correct, ya I I always do that as well and uh a lot of cashiers don't say thank you and ended up customer always say thank you yes agree with you on that definitely, I think the, the the service no culture no matter how the training provides I think I don't know why but it's still not in our culture the filipinos are very very good in their in their customer service


uh most of the time, but then talk about uh, uh service yes because I used to be a nurse working in the hospital, , in uh in singapore again, the the people treat nurses like worse than maids so the service they treat the the nurses are quite bad uh


thank god for this COVID COVID nineteen at least it raised the, the, profile and the moral uh moral slightly better, because in UK in UK when I work as a nurse we have a lot of autonomy the the doctors can say medically I discharge a patient but as a nurse I can say the patient is not ready to go home need one more day to settle the family


the doctors will agree one, so so in UK I have a lot of rights and a lot of uh participative uh role in the patients care, but in singapore the doctor say discharge you jolly well discharged uh you have no say at all so I I I hardly work in singapore as a nurse oh


but I'm more of a trainer in the as a nurse, ya, I'm trainer or I or I developed programs and all that, ya, because I I I will there's the the culture will like you said [loh] will shock me and I I won't I won't be able to take it


I'm also in in Penang cause I went there once and, , they were they are supposed to be famous for Peranakan food right so I mean there's only two of us there we cannot order the whole, uh, table full of it so we ask them for recommendation uh which are your best so we probably have three dishes ah then he said all also good


then that's it I said but there must be something that is special in this ah uh order anything you want, that then we said okay we just choose anything we want oh so uh that's what of course service ya, Penang oh, so it's also the same in that sense ah


because, because we only have one try, and then yet at the same time we cannot try everything but saying that when we went to a italian restaurant, in Penang, the service was very different


was very good recommend this and everything was very nice so it's the same people but in a different setting they are very different


I think we still got a lot to learn ah, but I have uh okay now the talk without talk about negative experience ah, uh, I have been to Desaru when I was really really young like eighteen years old and it was really nice because it's so Ulu then then I think by that time I was like forty five I went back there again


it was so different the hotels was so run down the hotel rooms have hair and dust and all that, ya so we told the we told the reception and said uh, can you please change the room then they asked why so we said the room got a lot of hair even the bed also got hair so


I think, what happen possibly is the the workers went and go and rest there in the in the off time, and there anyway they they were okay lah they change they change room for us but then we say, this will be the last time we ever come back to Desaru again cause


suppose to be a very nice nice relax place mah and near singapore, !hais!, have you been to desaru


oh so so you also like canoeing


!wah! yeah you really active [ho] uh not about canoeing we canoe to Kota-Tinggi in the Johor, river three day three night when you are young [ho], young really do it ah, but very dangerous ah I won't go back again cause got a lot of crocodiles


oh so as high as well


I I don't know but , but that, is for foreigner as well lah, if you are local the tax the, the tax is a little bit a little bit lesser I think, ya ya because you are foreigner mah, uh


the same as singaporean singapore singapore treat singaporean better what, ya, I I believe yes, so if you are if you are a PR and the citizen you they will tax you slightly lesser


uh ah but, medical treatment will still be the same, then just now just now we talk about TV right, uh I think within the last, twenty years I probably, gone through four TVs already you know


so so TV quality is really bad nowadays, because uh ah TV, uh so I'm going to try this samsung now and see how how long it last, because I had that time they, said thomson very good so we had thomson again it doesn't last very long


then we have sharp, and then after that sharp also didn't last very long then after that I got uh philip was supposed to be quite good quality only last me four years, then spoiled, so now is samsung so we will try lah


what about yourself, sony ah ya, how long have you have it


oh okay okay, !wow! !wow!, !wow! so oh that's fantastic then


ya ya adjust, adjustment ah, but everything new good ah, new will be hopefully good as well, then the talk about talk about things like this is what I think uh


the the uh HIP you know the home improvement programme, uh again depending on each which contractor the the town council engage different contractors uh different uh estate


work differently as well but I I thank god that my the the workers doing the tiles were very good, but the toilet quality for the HIP no good, my my old my old toilet is better


ya lah but then have to change mah then then you know the the flushing system ah if you ever have to flush ah, uh buy toilet ha, don't buy one with the eco save water flushing system actually waste more water


because because you're supposed to save water mah so you flush, but then , not enough then you got to flush again, so so waste water mah double mah every time is double so I'll rather go for the no no need to


be uh save water one and then you just flush once, is better, also because the toilet, must choose good good because the previous one I had was, by the the person who has this flat earlier the quality was very good


I only have to clean it regularly but this toilet now ah, is stained so fast I have to, to clean toilet everyday, so like you said [loh], no I stay with my good friend in Potong-Pasir


she stay with me, Kallang river oh #potong pasir# mah, uh Kallang Kallang river run all the way so uh it passes by potong pasir


very convenient very convenient, MRT at #potong pasir# ah, potong pasir ah, just five minutes walk


now got AI, now got AI


another holiday that I don't like, , because I've been traveling in UK I I travel on my own one I, plan my own itinerary I do everything my own then when I came back to singapore I wanted to travel with my parents and my good friend so we book


Nam-Soon we went to we went to taiwan, no thailand went to thailand, went to thailand I tell you, he's only interested in selling product, everywhere he goes just sell product everywhere he he bring us is to buy product and none of us buy anything he was so angry


then on the trip on the bus trip from, destination to the station right, they are supposed to tell us about the country and things like that but you know what he did always tell us about, product, tell us what is this product where you can get this product so that he can we can buy so these are very very very very negative uh experience that I said I will never book with the travel agent ever again


have you had had, have you had this experience before


okay okay, have, do you do you book with any gym


how how long were you there in US ah, !wow! that's really long ah


ya correct correct, thanks do you have any trends popular trends at the moment that you don't like


trends trends T R E N D S


ya so then you won't be negative about things ah, because at the I think I'm not sure whether you around in singapore I think was late last year somewhere as well there was a lot of talk about LGBT and


uh a lot of young people are into LGBT at the moment and I think that's really really, sad


part two positive experience


no lah uh I'm sure you have a lot as well because I find that uh positive experiences uh, I see life very positive so a lot of things, thank god everything happen to me are quite good, like one one positive experience is when I first went to UK


they are you know in singapore you ask the direction they just point you here point you there then when I was in UK I kind of look for the hospital , this young lady, uh say okay I will show you she literally show me she, walked me all the way to the gate of the hospital then she said this is the place and then she walked back I was


!wow! this is service but then she's not service she's just a, citizen only, so I I learned that then I then after that experience I learned to do that uh while I was in singapore in places that I go as well because I find that that is amazing


lately uh you you you know you know recently I have problem with my laptop and then and then after that


at the the the beginning of it was that I have this camera problem so then because of the study it and then because the zoom I need the camera so I said ah, quickly go and, buy a camera webcam so I went to


lazada, and then I quickly buy one enter it and then it arrived quite quickly but the thing is but uh before it arrive I already had this uh, problem again and the the whole screen was off so I went to repair it after I repaired it the camera work so then I don't need the webcam anymore so I wrote to lazada and told them


I , my my my camera has been repaired I don't need it anymore can I return they say can you return and we refund you and true enough, they returned, and they refunded me the money straight away in my in my credit card I was amazed so I said okay I will use lazada next time how how about you


I admire you


ya correct [loh], ya ya quality ya, then talk about talk about but this is like you said is is cheap and good because uh when since I was in UK I always trusted M and S ah


some of the T shirts I bought from twenty years ago I can still wear them now, so the material uh, T shirts mah T shirt is okay, T shirt is okay uh but but but the


material is still quite good ah, surprisingly so but I think and then things like uh shoe as well no clarks and all that made from UK was very good in the past I can wear for ten years the leather shoe but nowadays is made in like indonesia uh


I wore it just a few times and and it hurts my feet so, uh things are different ya, nowadays things are different yeah but, I I like I like at the moment I like the asics asics uh walking shoe


when you walked what sort of shoes do you wear


ya okay


oh oh, ya, oh I didn't know that but because this uh asics that I bought it is also wide in the front and then it has, uh it has a, arch arch uh uh


modification in there to support the flat foot so it's really very comfortable too ya, oh I see so, uh I have I I don't really buy shoes uh overseas so I I have no experience because I always feel that I must try it to to know it


but at the moment I like, ya cause ya [loh] ya, and you know the size


ya ya I think shoes shoes, what you you can still order online


they allow return right, I mean I mean if not if you if it doesn't fit you or whatever


I don't really have a favourite favourite, uh in a sense lah also because like you said sometimes is a mindset because is I don't you know I don't eat dairy I don't eat butter I don't eat cream I don't eat milk and all that, uh that uh


just just don't like it but, singapore food singapore food now, everywhere you go most restaurants put butter in it and you cannot tell them to make otherwise like, uh like some restaurant I go I want to eat black pepper crab


it has butter in, the source already and they will not change they will not create one, no but if I if I eat it I will feel like vomiting, uh no it's just that from young I have never eaten so when I then people say how can you live in UK for so long


then I said actually UK is better for me because they do cakes without butter they do uh muffins without butter I can eat cakes and muffins and I go to restaurant I told them I'm dairy free they say okay you choose whatever you want on the menu


uh we will create for you, even in the in the countryside a small little pub that that, only the local goes to they will do that for me, so I love UK in singapore a lot of places I can't go even japanese restaurant


they must cook the lobster with butter, they must cook the prawn with butter so I can't eat any of those things so, but no good ah if I go out with friends, then then ya so that that's why


ya so that's why people who invite me I said do you mind if I if I, you know don't put butter don't put milk don't put cream and don't put cheese in your food, then then then I said fine ya ya like


like like one uh that's why it's also good because one of the thing is I see all this bakery shop that sells the bread all that very nice very very very decorative all that, all of them I can't eat, so I can see but I don't eat so I okay [loh] don't put all milk ah


what what is what is your restaurant what is your best restaurant then


oh, ya, oh yes yes


uh okay I don't really go for burgers ah oh ya since talk about food I I do have one uh no signboard, correct I, uh no no no so they do the white pepper crab, that the very good so I like that one ah ya ya ya that's about the only one I can think of


but but, but a lot of people don't don't like to go to crab because it's very hard work


yes it's very expensive, very expensive, is if yes, you spend one and a half hour eating one crab, uh, and then after that you get very very tired but it's also good ah so you work out while eating


the I I walk as well like you said uh singapore river singapore Kallang river is just behind my my my block, so so I will go there and walk and jog, uh and relax there quite often the the other thing is that since Potong-Pasir went back to PAP uh they have given us a free gym so I no need to go and pay for gym so I can go to the free gym


the the the only thing that I don't have here which I like to do is swim uh, Toa-Payoh uh swimming pool is very very crowded and always closed for competition, so and then a lot of children, the the coach do a lot of


student children uh teaching and all that in the pool so, uh I find that, I can't swim because of all this plus the sun ah as well because UK I, I can swim is usually in warm uh, indoor pool so I can swim anytime especially the hospital I work with has


the pool in the hospital so lunch time I can go and swim twenty laps and then come back to work after that, about eight and a half I think around there


I I really would love to go back there but uh the lord seems to say stay in singapore, !aiya! because uh, I I came back because my mum my mum needs me [loh] so, but uh she's still around ya uh


my my brother she she, as usual lah mother wants to stay with son so so stay oh, but it's also good lah then I got then I'm free


I don't really have favorite, but uh we talk about, uh different things different so for, for the fridge ha we we had we use mitsubishi, for fifteen years you know one mitsubishi fridge ha last us fifteen years actually was still working until recently uh our TV spoil


then uh then we said we go and look for TV I was looking for TV then we saw the samsung fridge that is very nice that has a freezer at the bottom, so then we change hor but, but I'm hoping that this but this samsung fridge is not cold enough even at two degrees uh fridge is not cold


the the mitsubishi fridge ha, you can keep it at at just medium hor your things can get frozen if you are not careful, in the fridge ya so, so mitsubishi is a good brand for fridge but nowadays you you can't find already I think


because then I I I gave it to the Karang-Guni man and he say !aiya! this fridge so old ah but then he said but the motor very good then I said yes the motor is still working so I give it to him


okay okay


I bought samsung samsung ya, , not too bad ah I I bought recently and the service was very good as well I bought recently, forty three inch less than one thousand, and uh I why I buy samsung is because I can get viu and I can get mi watch


other other, TV cannot eh cannot get, yeah smart TV ah and it's very fast you just switch on only it come on so you don't have to wait for loading and all that so so pretty good ah


correct ah so sad


TV only last four years, and the last one we bought also not cheap eh more than thousand, there


because you you travel a lot which which is your best hotel, ah, uh I'm, more of mandarin


we go too many ya ya correct correct because we, ya, so we we use we use uh mandarin so far mandarin has been very good as well


property loan and stamp duty okay hi my name is, #siti zuraidah# I'm here to share with you about , my experience getting a a loan for my renovation, uh for my house uh for my first house


I had I I got two, bank loan actually and then uh that was in two thousand year two thousand then so year two thousand I, I'm not sure about now the procedure but during year two thousand the bank procedure is like you can loan up to


six time of your salary, so I my husband took two bank loan not me just my husband under my husband name, and from there actually it was quite quite straightforward easy


to apply it was the renovation company that apply for us we just submit all our documents that required by the bank , it was uh and the bank interest rate during that time was about if I'm not wrong is about two


point nine eight percent, now I'm not sure, and then is is for five years we loan for five years, after five years we clear of all our bank loan renovation loan and so far so good during that time if I'm not wrong I I loan from (hmm)


OCBC and UOB ah if I'm not wrong, and, the process was quite uh straightforward lah I I'm I I was I have no hiccup in the applying and and then contractor, was very helpful, everything was quite smooth and the interest was lower so I'm not sure about now how about you Roslinda


(mmhmm)


K (mmhmm), okay and then uh ya, so if , maybe I move to point number three, ya I also have uh sold my house before bought a house and sold my house before I bought my house the the first house I bought was


in year two thousand lah where I got the renovation loan at same time, uh err, eh actually two thousand one I'm sorry it's two thousand one okay two thousand one and then during that time the house was quite cheap I I I must say and because I bought a five room house


at somewhere in the north side, uh, it five room I bought for two hundred and sixty thousand, uh and I after uh after staying there for about I think about ten years and then uh we sold the house at three three nine five and bought another house uh in Punggol uh but when we bought the house in Punggol it was


it's much more lah uh it's it cost me four twenty but I sold my house at three nine five, I I didn't hire any uh property agent all that, because I do have some experience in selling the house


uh buying the house because I was uh I was also a, property agent that time and then the, the fee that incur is the standard thing lah the stamp duty the all the HDB all your fee all that lah and it's actually quite quite it it


was everything was quite smooth, transaction for me so I was quite lucky lah I guess because I have all the experience in buying and selling the house so ah that's, my how about you Roslinda


(mmhmm) okay okay and then for me my experience would I get the point number seven would I get like HDB loan or bank loan uh for my


two house I I took a HDB loan uh reason being is I I no doubt that the bank loan the interest is lower, but for I I was I still prefer to take a HDB loan because it kind of gives me a sense of security ah


ah in case like for example if uh my my husband out of job or what you know we can always write in to HDB where else I don't think so uh bank loan is, be more lenient uh uh in that and then and I I


I guess I'm the old type old timer kind of person who still prefer HDB loan over bank loan, ya I guess that's my, experience for for loan how about you Roslinda


ya and then for point five ah do you use your CPF to pay for your downpayment which I did I use my CPF uh actually I I use my CPF and my husband CPF for the downpayment and then we don't use


all the our CPF we don't we don't use uh we don't allow the I mean so so called we use our is part of our CPF we part uh we so called park at the insurance investment company ah our I mean insurance like the investment place


it's like uh our ordinary account so we so that HDB don't wipe out the whole of our OA for when we bought a house, so we park somewhere in the in the investment for under CPF investment company lah under investment place and then after that after they clear all those after we make the payment uh we will they we already make a downpayment for the our new house


and then we will put it back inside our OA our uh our OA lah, from the investment for Roslinda what about you do you do the same thing ,


they will wipe out the whole thing right ya, ah


that's one thing good lah at least ours right now by doing that right even though if let's say my husband is out of job, there's still a certain amount of money inside his OA to pay for his uh monthly uh us us HDB uh loan ya so is a I mean all this thing I guess is how you plan lah


for the worst in case you know something like now happen but uh so far okay lah , I guess it's apply to you too also right Roslinda, ya


number one did you apply for HDB grant to purchase yes I you what about you, (mmhmm)


!huh! really, oh okay,


oh okay like for me I did apply for first timer grant which is about thirty thousand, and , but it was so call the grant was only enjoyed under my husband name because during that time I was only twenty years old so


I didn't get to enjoy the grant but my husband got to enjoy the grant so but we still can apply for the grant but it's just that when the grant is, oh so called for HDB right the grant is under his name he got the thirty K lah the thirty K grant and then


ya then after five year uh so called after ten years we just moved to another house and this time round uh is under both of our name because the first time it was only under my husband name and I was the essential, occupier uh


because I was not yet twenty one so but we still managed to get the grant of thirty thousand during that time ya and then but and for the second house ya then put under my name lah uh we both lah both of our name, somehow ya but anyway ya it's like that lah


ya , uh take a loan have you bought a house also what do you think of investing in property what do you think of investing in property,


(mmhmm) investing of property I guess right now, I mean, it for me it's good if you have the money to invest but the problem is because, this HDB is already under my name and my husband if gonna invest another uh property right there will be a additional


stamp duty which is which is gonna cost a lot lah I think it's about twelve percent now, so if you buy another property so I I mean unless because to me,


if you I mean it's good to have if it's good to have a to invest another property ah but unless I sell this house and then I buy private property maybe just put my name alone, then uh my husband buy another house and then put under his name uh so that's one of the way to to avoid lah paying a additional stamp duty all that


all and ya, so okay we touch , point five point six points okay what about point, eight if you settle, for bank loan ya


would you go for the fixed or floating rate for me, I will go for the fixed no doubt floating rate sometime the interest is lesser but some but it's not fixed because as and one like for example the economy is bad or what they can just increase their rate you know now maybe when you sign in right I mean sign with them they will like


they can give you the cheapest or maybe different by a point eight or what but, but they can also go up their rate anytime they want you know I don't feel secure there but I would rather pay for I rather go for a fixed interest package lah if for bank loan lah


ya, ya all the floating rate lah, then ya


okay, hi uh okay so what do you think of uh


uh your your, HDB loan and grant all these we talk about Roslinda, ya


just three topics uh


oh okay there's a, three ah, and then, the topic


oh you like that okay what's what uh financial advice would you, give to you ten years ago I would give my at uh I will put in to save more money, and then


financial advice, uh I would up, to me is save more money and after that , I should have I during that time right I should be ten years ago I should be a bit more braver I should have invest in like uh a property like


EC or something like that or or even private, but I I was actually looking at EC I should have invest in uh bought a house uh I should have bought uh EC instead of a HDB lah I mean and EC there at least there's a I guess there's more return because after ten years it will be privatised already and


uh when you bought an EC is uh a way more cheaper, than you buy a than you buy a, private property what about you Roslinda


ya, ya correct


uh okay uh, ya now we start to save a bit more because our commitment most of the our commitment have , clear off lah and then how I do


how I I I manage my saving is like every every month both of our me and my husband we will combine we will we have a special I mean we not say special we have a a bank where we put our both money inside lah and then for groceries is different bank and then


for for for the that we have a different different bank for spending and then one bank is for saving that kind of thing that's, that's how we will make sure that we meet our saving goal every time so that we don't touch our saving money we separate our our uh expenses lah


and the saving do you have insurance so what insurance policy do you have if not why do you, choose not to have insurance okay I have, uh insurance I have health insurance and uh recently I just bought an accident insurance so far I only have this two health insurance for me and my whole family


, so I'm quite happy with the insurance I have right now because , recently I I I I I, I I two years ago or three years ago I fell and I I managed to claim from my insurance and then and recently I also bought the accident insurance I managed to claim for the number of days that I I could not work so I think is a must to have lah this insurance thing is


is a I mean it's good to uh is is is good to have but I I for me right now is, it is is actually not, until you you you gone through something right then you know that how important this insurance is, ya ya how about your Roslinda


ya, so you have health insurance and hospital insurance also, ya, ya but we don't have a saving insurance or life insurance ya, ya


ya but, to me I mean, oh we just also we just bought the fire insurance also remember, , ya and then another insurance we, just bought is actually the house fire insurance which which I think is also important because lately we we saw so many house on fire and then we decided to


pick up the uh fire insurance additional fire insurance is is, is at least give us a sense of secure lah if anything, happen you know then at least we know that we are covered


the whole house covered, ya that's another insurance that I think me and you we we bought right ya uh but,


ya, ya, ya ya because because I was uh sharing with Roslinda recently


my my neighbour next block ah the next block was the house caught fire so, that's where I decided to like eh it's very important to have this fire insurance you know and then we share both, opinion and then we decided to have uh to have this fire insurance ah and then with so many recent case


of fire good ah house caught fire all, that and then I find that then we we we search together online right and then uh and we managed to settle down with one insurance agent ya, which is we find that it's quite good lah the coverage all that yup


negative product review, , ,


ha,


ha, oh okay okay now my experience with food recently I just, uh I so called I went to this uh hotel for


uh dinner to celebrate my husband birthday oh it was so disappointing you know I was spend I was searching and searching for so called a nice place to celebrate his birthday and our anniversary so I so until I I check the review everything are okay sometime not all review are right


and then but the thing is I went to their website okay they they say that their dinner spread is like this like this like this you know so I was like okay this is all the food that we like it's supposed to be like a buffet kind of thing so that's why I went for it so the disappointing part is


when I went there, it's actually there's no buffet it's uh because of COVID nineteen so they they have this a la carte they call it a la carte buffet, so they just give you a a a just a just a one page of a menu and then you just tell them what you want and it's totally different from what they show in their website


and whatever I've seen in the website is not what I see at the menu that so it's like it become, and all the food there on a piece of it's a one, page menu and none of the food that we like we we


want a we thought there will be a japanese food uh, some chinese food but end up it's just a simple one made one day and it's it's really I almost wanted to leave the place but because I was thinking ah since we are they already prepare and put the thing on our table I was like ah okay lah never mind lah just forget it but


it was so frustrating and I say how come from the website you put you have all these dishes but when when now you serving us there's none of whatever you put in the website and then they say that, oh all the item is sold out how can it be sold out so


but I didn't want to make a big fuss because it's supposed to be our special day and but it's very very frustrating because I almost spent almost two hundred dollar for four person to eat there is is and so called, if if they if the thing is they did not update their website they should have just


update their website so knowing that this, there's a COVID nineteen or whatever then they should have just, you know update that they having this not I mean whatever item they have so is is is like for that amount of money I can go to other better places to eat it's so frustrating ah ya (ugh)


not a pleasant place ,


to burst


(mmhmm), oh


oh, ya, same same goes to me very bad experience with starhub, uh at at that happened to me last year I guess


suddenly the uh the connection, I don't suddenly suddenly there's no wi-fi, I can't watch my SCV and there's no wi-fi there's no phone line because my phone line is connected to the wi-fi and then, and not even SCV you know starhub C SCV so uh when I call them up the best part they say that oh they check check check they don't know what's wrong


they checked there's nothing wrong with it, so I told them to uh arrange for someone to come down so they say it could be the modem problem blah blah blah then after that they arrange for someone to come over, and the person also say there's nothing wrong, everything is okay all connected properly there's nothing wrong so they say it could be on the starhub side


maybe it's the internal do something were with the something some internal problem at the starhub thing or what so I call them up again they say oh there's nothing wrong there's really nothing wrong so uh they say they will check they they say the same like you one


department to another department another department and then after that , it drag until four days I think three to four days we have, no TV to watch, because we are we only got SCV and we got no internet connection and then until I threaten them that I wanted to terminate all my starhub services because most of our handphone is under uh handphone mobile is under starhub and I say if I'm gonna have a early termination I'm not gonna pay single cent okay because


your side cock up the thing and the best part you guys don't know what's going on what's wrong how come I cannot have a connection a TV connection a wi-fi connection and then until I threatened that I want to terminate and then , and I I also write in to their facebook I write in to their uh instagram


until I until I blast it out lah I I wrote in email and then then someone get back to me then someone get back to me they say that ah oh actually they didn't say that , someone accidentally so call like


like don't know what is it they say lah it's like, turn off or or or or uh uh like disconnect my my my account something like that just disconnect my account so that's why everything was disconnected uh my my my


SCV was disconnected my wi-fi was connects that mean I'm no long I don't no I no longer have account with starhub but my mobile phones still have so I I was like that's not my, problem you know it's because your your side is the one who cock up and then and then someone accidentally all these thing so I made hell of a noise


until, , and I told them I wanted to terminate terminate terminate terminate my line my mobile line until they say the only thing they can offer me is just uh, one month free no need to pay lah no need to pay for the SCV no need to pay for the all the internet connection ah


but I still have to pay for my mobile but I was like uh okay lah anyway I also don't want to go through the, the hassle to terminate and then reapply again all this thing so that's the best they say they can do to give, me one month uh so call rebate lah all that then I was like okay uh then they keep on apologise lah and and I just settled with it lah what to do


it's, because the the the problem is the it's their fault they admit it's their fault it's just that someone just disconnect the my account and they don't know how come it happen that's the that's the best part when I call them they also don't know what what why why this thing happen then I was like how can you not know


see and then that's why they they they give me all these lah, something ah funny ah all this starhub thing ,


(mmhmm)


, before


, oh ya talk about uh restaurant I mean food lah F&B there's also one experience that I went to this pizza place is so funny so every, time when we want to ask the waiter or waitress for something right we like when we want to take or when we want


to ask them to take our order the then we just call someone and then they just say oh sorry we are just the server oh okay then after that we call another person oh sorry we just the uh we are actually the kitchen helper oh I was like ah okay can you just call the the one who can take our order


then okay then after that when we want to ask for something oh sorry we only take order !wah! it was so frustrating, you know this person you know ya I was (ugh) the it's like !wah! until I was so fed up ah frustrated then I I voice out to the manager lah ya after I finished !wah! you you if you really want to do it that way right you should just put in the tag


you know I'm a kitchen helper I'm just a uh I'm the waitress uh you know I'm the server, you know it's it's so frustrating so everytime you want to ask right uh sorry uh we are then they don't even ask the person to come and take our, order you know it's it's very frustrating uh and it's so called


they (ugh) one of the pizza places in singapore , they have this kind of thing going on, ya what about your experience in ya ya shopee lazada thing


ah


, , oh ya, ya ya


just noodle without gravy


okay then my experience with shop uh online shopping ah all these okay one bad experience is not all of them give the exact accurate review and also


the size the the the measurement ya, not all of the online they give the right measurement you know like for example everytime, when you want to buy dress or you want to buy some clothing they will just they will put this is the size you know all this thing


but every time it it you received the item right it's like it's either too, big or too small or suddenly it looks totally different from the picture, and I always have that experience with all these online shopping especially when come to buying all clothes


dressing ah so sometime the review somehow it will help lah so sometime they will say oh buy a size bigger or buy a size smaller so at least I know you know so usually , if you buy online shopping right one thing is most of them


don't give the correct measurement because ya because the people there right like for example in china I tend I think the people there tend to be a bit more smaller size so that's why their, , their measurement is always incorrect uh when you know when we we singaporean I mean like for myself lah ah


ya that's why that's one thing I always worried if I go online to buy uh clothing clothing especially clothing ah it's like you have to be very careful ah because there's a few time I bought some of them I I I couldn't even wear and I just keep it away you know


that's the danger lah buying online, financial insurance


uh insurance for me, !huh!


, ya one thing about insurance like they will be like especially during roadshow they will be quite pushy ask you to sign sign sign and then


usually right this is why I always lose money so, when you sign right you will tend to pay the like the first three months downpayment or you but you you continue for first year then after that you realise that eh you you don't really need this insurance so and after that when you call you call the insurance agent they are no longer there you know they like


you only meet them during the roadshow I think, that's one thing about not so good experience if you go online lah I mean during roadshow ah insurance, you don't know them well


hi positive, hi positive product review okay uh, hi I'm here to discuss about my experience with uh food and beverages F&B that I've been


I've been to actually I do have a good experience uh it's actually at I I went there quite a few time at marina, bay sand uh it's a superhero cafe or something and


actually the food was so good so nice so delicious and then they also have a they always have promotion, online and then, the service is good and the place is so nice and it's all the superhero uh figurine and my kids love


to go there and the the thing is the food is very nice but unfortunately I guess it's due to uh COVID nineteen right they have closed down and it's very sad I don't get to enjoy their food anymore but


too bad lah but the food was very nice the food was nice and uh they always have promotion the place was very, very nice, with all the uh, superhero figurine which my kids like


ya that's the sad part lah ya, what about you Roslinda


oh


!wow!, oh that's very good, (mmhmm) (mmhmm), okay if if travel right travel I would say


, most of my travel I will always book online I will book through app, it's either through expedia or what's another one , likes uh expedia a few more other apps and then from


I love to book through the app is because I love looking at the review , because most of how I choose my hotel how I choose, my uh the place that I want to travel I will always based on the review ah how they they they give a review so my recent the the latest one was


I went to shanghai last year and based on the review it's was quite good we rent a apartment for a week and whatever based on the review and the every all the information there is good and then the place was nice was great and then


most of the even the, flight ticket I also book through app and then usually if you book uh your travel, on the app there's always a cashback kind of thing which you also get to enjoy or even your travel insurance also you get to enjoy all this whatever related to travel you can I usually will put through through online lah app


which I I I prefer to have my own uh research and I I like to search through the people's review all that to have a better, prepared for myself lah what about you rosy


okay that's good okay I want to share with you about my leisure and entertainment as you know


I love to go to karaoke party world, and then I used to go to Liang court and nex and then and their it's, quite affordable especially during off peak hour is can be as cheap as uh three hours for only fourteen dollar per person and then they provide inclusive of drinks and tidbits


but I I guess due to this COVID nineteen right the they they already closed down and then is, it's something that, nowadays a lot of things that I enjoy all no longer there you know my favourite restaurant not there my my my my favourite place to go for


karaoke not there so quite sad lah, so I'm looking so now and movie uh, also I like to I love to watch movie, and then now also they also have a lot of promotion also lah so it's good what about you Roslinda


(mmhmm) (mmhmm) (ppc)


(ppc) yup I do have the same ya I do have the same experience we love to shop at shopee lazada or carousell, and then the recently also I bought a so called a decoration stuff online for my son birthday party


and then it was so nice of them because I think the product was was uh from china, they they whatsapp me and check with me what's uh what's the the age that you that


balloon that I want and then what colour to the extent that I was surprised !wow! this is the first time know someone whatsapp me to ask me you know so I I bought online in lazada they they because I I I think these they at lazada app there's uh my phone number and they whatsapp me and asking me of


what colour the decoration I want what the the number of balloons that I want and it was, quite a quite impressive lah the way their customer service is, and then and also one good experience is uh with all this shopping app lah like for example lazada or what right if let's say within


for my as for my for my experience let's say if I don't have I don't have any response from the from the seller within two weeks, they will just refund directly to my bank account, for the amount that the so called if let's say the there's no response from the seller I will


suddenly I just receive a amount recently I just like eh I just receive a, amount from from lazada that because of this seller uh did not respond to my uh purchase, for last two weeks there's that is a very good customer service some at least I feel secure and so far my experience buying things online I mean all are quite positive rather than negative


, most of them is quite accurate as what appeared on the but most lah most and the review was quite helpful so that's why sometimes I myself also will put review so that you know it's like I I feel like I'm helping one another consumer


uh is it was uh I don't know I just want to say that now because of COVID I actually before COVID also we we, we kind of prefer to shop online rather than you know and then you get to see the comments you get to see the choices that you have


and it's sometime it's can be quite exciting you know like uh I looking forward to to get your your item you know sometime you just eh is it there or have I receive it ya that's my experience, ya


ya ,


(Uh huh)


and we we do love genki sushi too remember, , it's one of our favourite place genki sushi because the food is so nice we love the sushi there we love all the, food there I guess me and my friend love to go there actually and


it's actually quite I I guess it's the best sushi, so far that we we ever had lah ah genki sushi, ya, ya ya correct and the drinks are nice okay and then another experience for me consumer electronic and gadget is


okay uh I think I recently not too long ago also I just bought a a TV and amplifier so far the TV system was quite good amplifier system was also so quite good


and I like the idea where I can just log in to youtube directly, to my my TV and then uh log, into my spotify and then surf my internet see my facebook, directly to my so called my the TV because the TV's definitely way bigger than your laptop and and with a with a and I just bought an amplifier with which which is connected to the TV and then if I turn on all my favourite music right I will just blast it out and is


very good experience, lah I like I like the, the recent one lah that I just bought and eh I think now, most of the electronic , device right they are selling very cheap now, you go to any of the electronic store ya


(ppc), ya, netflix is one of the leisure lah okay his enjoy ya that's how we share


so one moment when if let's say I watch this K drama and then if it's good then I will share I will share with Roslinda as eh I watch these you know then each she will we will share lah our our opinion lah about the


K drama that we watch, that's how we spend lah our free time,


(mmhmm)


oh that's very good ya


for me singtel okay I do I do so called have a line with singtel it's actually for my mum then recently we I don't know what kind of service uh there is some service lah for one year you have to pay this service


and then after one year you supposed to , you supposed to call to cancel so so that you don't pay that service anymore because the first year is a is a compulsory thing that you have to sign up so after but I've I overlook on the date so I overlooked like two months


then I have to pay for additional two months for it's like ten dollar more that kind of thing ya and then I calls I just call singtel up and then actually they were very nice uh in fact uh they prorate for me


and they they, they they quite helpful lah they listen to your explanation all, that and then they they are very they even, help you whether you know they prorate for you and then they listen to your explanation they are very nice


so far quite and so far it was it was a pleasant talking to them lah it I I don't even have to stress feel stress talking to them at all, they they they listen lah to what I say so far so good, yup that's all


ya for telco company okay lah for for me singtel is alright yup, so far, , okay thank you ya


okay hi I'm Roslinda here and then okay uh getting a loan from the banks, okay my first loan was actually a renovation loan from citibank actually uh we loan actually for five years during that time was only my husband are working I'm not working at the moment and then we took for five years loan and I'm not sure how's the interest that was actually twenty years back


and then uh how do okay from there uh we have to pay the loan every month if not there'll be a interest in, occurred so I think the interest will be uh it's quite scary lah from that time after the we finish the five years loan


we try not to take, bank loan lah because the interest very high, okay okay so


okay for your okay my point three you have you bought a house before yes I I bought and sold a house before currently I'm staying the second house the first house was in #toa payoh# and there's where the, loan that we actually use to get the house and then the second house


uh we bought, in Hougang area then there's uh there's a second time that I did not take, any renovation loan during that time, and then, what the fees incurred during the transaction okay because most of the time is my agent are the one that actually


doing all the thing so what we do is we just need we pay the amount that, was told lah, and then the second house we bought was both of us are working, so we have uh all the interest, work it out from the agent itself


okay mine for point seven HDB loan or bank loan uh I preferred bank, uh HDB loan because like uh the same as Zuraidah we will, more comfortable if any case that one of us, not working, then we still can find HDB for help lah instead if we go for bank loan they will actually


confiscate the whole house so there's where I actually go for HDB loan like right now I'm actually looking for another house, then my HLE, uh I already applied for twice so the third time I need, to find I I tried to


appeal whether to get the HDB loan because right now I need to go by bank loan bank loan even though the interest is low the, like what, Zuraidah said uh, in any case that one of us one of our spouse are not longer working it will be quite difficult for us


to actually maintenance the monthly bill uh monthly costs, on the housing where else HDB loan they can still , I mean help us, to actually down the interest or we can actually prolonged the


rate the interest rates, that's what I find


ya the same thing because if let's say we have to we put all our CPF into the house right they'll wipe out the whole thing in touch wood if anything happen to us one of us, that uh, another one need to pay even though there's another there's the insurance


uh if one of us anything happen to us there's a insurance, covered but then if let's say one of us are not covered then the other one have to pay throughout the interest, and the monthly housing loan, okay


ya correct, okay then the next one what else we covered, uh, yes I did apply uh HDB loan uh grant for the first time I think if I'm not wrong was actually thirty K but


then on the second purchase I think I need to return the grant, the second purchase ya because I don't know the full amount, I know that there's a deduction ah because the second time eh I don't think so what I forget already that was in ten years back


okay, investing property ah, uh, I never invest before but then I think it require a lot of money and capital so I think


ya, investing of ya maybe after we finish off our uh the loan maybe you can think of doing the investing of property


ya twelve percent


to invest oh, point two, point eight if you settle for the bank loan


okay as for me uh ya I also go with like same the Zuraidah for fixed because right now the economy is uncertain so you might the rates if let say might be, going up or down so I rather go for the fixed than to pay off for the bank loan


as the bank low is uh low interest, okay


the loan and grants ah okay, okay I think this one there's another topic


ten years ago


okay for me if ten years ago uh ya I should actually, uh, get a, I mean how did it buy like what Zuraidah say, to get a bigger place and then because the spending us ten years


ago is a lot than now now we tend to have commitment so we tend to spend less, so during last ten years ago we should invest more, uh then the point two do you have habit of saving how do you ensure you meet your saving goals okay right now yes I do have habit of saving


because due to these uncertain COVID that happens, about eight months ago, six seven months ago that we need to save ah, for raining days especially now any time our job we can a lot of people are out of job right now so with


then now think to start saving lah how about you Zuraidah


okay ya, choose not to have insurance


insurance, okay for myself okay I just started buy insurance, I get a a rider for myself, then the accident insurance because at our age we never know what going to happen next and then as for the rider because right now the hospital bill is very high so


my agent actually recommended me to go for this rider but since last time ah but until now then I start to do get the rider saving as for the accident one, because I do not know that there is this accident insurance around


so it's like any anything happen to our children or ourself even we fall down or, we have food poisoning then, we can actually use the insurance to claim rather than using our own, pocket money because the bills are very expensive right now especially hospital clinic all this if you have any injuries


then, insured yes and then rider, ya, ya but they say saving insurance is very important so we we need to think about it to have one saving insurance


ya ya correct


yes, fire, (mmhmm)


ya, I think am is a wake up call to us lah, because if last time we don't really believe in insurance we thought it's a waste of money but then right now, lots of thing are happening around us even like fire on fire even power bank can actually explode I thought it just E-bike that will explode


explode itself


ya correct, settle down with insurance ya, insurance


okay, yes okay, first of all food and beverages uh grabfood Jialat okay okay uh bad review okay recently we actually ordered uh


four set meal of Laksa, for my family and then uh it's actually it's not grabfood sorry is foodpanda okay we actually order four set of uh meal, and then uh we was damn uh hungry that time and then uh we so uh surprisingly we waited almost two hours for our


food to come and then, what did actually came after two hours this guy came to, deliver the food, but was shocked there's only one Laksa and one drink, I actually order for four four Laksa but without drinks


and then I think they actually, take the wrong order ah okay what I did is, as usual foodpanda you very hard to, talk I mean to talk to their customer service online I have, to keep on email uh and


then send live chat, with them but then after one hour, but then we are damn hungry ah that time after one hour, someone actually get back to us then they say oh, sorry about the order that you have received


are you sure that you did not receive your order then I was telling them okay I will take a picture and show you, then the customer service instead of like, uh apologise about the incident she was saying you are sure that you received the wrong order because my rider actually collected the food from your


from the restaurant, but then I was telling them yes I'm very sure and actually provide them all the pictures but then in the end after hoo-ha hoo-ha they say they will get back to me after two to, three working days they were saying they get back to me they said okay, we will actually do a refund but it takes about one to two weeks