and and it's done so uh I think Uniqlo is also uh you know help provides a very a positive experience in this way but uh I am not sure of uh in COVID how they are managing the people inside uh do you know anything about it


(mmhmm)


yes


ya it's very organised ya


a banking product okay so uh today uh my name is vonavan and today we'll be talking about uh whether or not we have a saving account uh in a specific bank so personally uh I have


two savings accounts uh one in POSB and another in with AIA the one with AIA is a savings plan actually, and uh the one with POSB is a kid's saving account uh which is shared with me and my mother so uh this saving account was actually made from very young when I was very young lah so uh I don't really know


that much information as to uh what they did to start account or uh that many details I just roughly know that it's a shared account between me and my mother and I have another uh, separate account for myself so when uh what I personally do is if I have any earnings I'll keep whatever I need for that month


and then I'll send the rest of the money into the shared account with my my mom so that uh it's a easy way to keep track of how much money I'm spending per month and also a good way to save up the remaining money uh yup


okay no so how how it works is I keep how much I need for as that month in my own account and whatever I


will not be using I'll put into the shared account so I cannot withdraw I cannot withdraw from that account without my mum's permission or like without like without my mom knowing so it's a easy way of like, uh like not spending too much and in one go something like that


ya uh I think that is very important for children to have a savings account so that cause like the parents themselves even if their children are not earning themselves right the parents can deposit money every once in a while for


the children's future so like if the children grows up and then uh ends up needing to spend money uh, more regularly and then at the age of eighteen also the kid can get a ATM card so that they can withdraw from this account and so the parents don't have to physically give money every single time the kid needs money you just have to deposit into this account and the kid can withdraw whenever they need to


so uh ya


okay I don't think getting it giving at the age of twelve is a very responsible thing I think the kids needs to learn the value of money first before they get this card cause if they get the card very early then they will just think what money is going from a tree they just keep on


withdrawing and withdrawing they don't know where the money is coming from so, they have to understand the value of money they have to understand that their parents are putting it is if uh money that they themselves work very hard for uh so so that when they withdraw they know that they uh only withdrawing for the necessities and not just for a random luxuries every once in a while


, as a child I think honestly the best way is just to get it from your parents directly uh, ya so cause if you if you have control or access to your bank account at such a young age I don't think that they will be able to grow up as responsible people or like uh responsible enough to know uh


how to use their money in a wise way so from young age I think that the best way to control this is by having their parents passing the money physically to them uh and like the kid has to so called explain why okay not explained but like uh let the parents know why they need this money or like


uh be it for dailies uh at food buying food outside or maybe uh if they're going for a school trip like for example cause school trips will need a more money than their normal usage so if, if the kids are able to withdraw such large amount of money at such a young age I don't think they will understand uh the how important this money is to the parents who are uh giving it to them lah


I think for savings account more most of the banks are roughly around the same I think if I'm not wrong it's like zero point one or something


ya ya is ya isn't isn't that range lah so for savings account I don't think is as important but then as I mentioned before I have a savings plan like a savings plan in AIA so uh it's like a twenty five year savings plan I just got it like around two years ago so I actually


what uh happen was uh since I went to NS right uh then a friend of mine uh approach me uh asking me or do you do you not know what to do with your uh money that you are getting from NS and then I was like ya I'm not really sure I have what to do with this money


and he was he was the one who offer me the uh AIA plan he told me okay you can just deposit a fixed amount of money into, uh this plan every month and then you will slowly accumulate and accumulate and the end of uh twenty five years which is the plan I went for uh you can withdraw everything as a it's a lump sum uh but


yes yes you ya you can only withdraw a certain percentage of this money uh within the first few years, yup so personally I am okay with this because uh personally I'm okay with this because


I am only depositing a very like not very small but a small amount of the money that I'm earning per month so I still have money for me to use every once and then so this, uh the amount I'm depositing every month is hundred dollars by the way so uh it's that hundred dollars is


considered like very little compared to the uh amount of money I'm still remaining with so I I still have some leeway to spend here and there, ya so I think it's a it's a very good plan lah so I'm quite uh happy that my friend approached me for this uh okay so uh now let me ask you a question instead so do you have a credit or debit card


okay so uh what you said about credit cards uh about it being a loan from the bank is very true so uh when there's no money inside a card you're able to loan money from the bank and then you will pay back the money with a certain interest according to whichever bank that you uh getting the card from


so but I think what you missed out was that there I think four types of credit cards so there's actually a there's a standard card there's a rewards card there's a secured credit card and a charge card, so so the standard card is basically just a extension of the normal credit that uh the the person has inside their bank then but then and then rewards cards is where you get stuff like cashbacks uh or like a flyer miles flyer points


and uh many other benefits and then as for secured credit cards you're supposed to have a initial cash deposit that uh you put into the card, uh so it's held by the bank as collateral collateral so in case you are not able to pay back or anything then that collateral will be held back by the bank


ya so it's it's like a cash deposit it's like a fixed deposit ya K then the last card is actually a charge card so this charge card has no spending limit so but then they do not uh allow you to carry on unpaid balances from month to month


so within that one month you can spend as much as you want but then you must be able to uh so called repay that amount in that month if not you won't be able to continue spending the next month, ya so that those are the four types of credit cards there ya and as for debit cards ya ya is is is true as in you are able to withdraw whatever money that you have inside your


bank account and uh no no more than that yup


I personally don't do many like I don't do any investments cause uh people in my age range actually starting to do investments in, uh stocks and shares so course uh they are a bit more knowledgeable and uh I personally feel that is very risky thing to do uh if you especially if you not aware of the risks or like if you not aware of what


what to invest in a, and when to invest so uh, ya so I feel that without putting in the necessary work to understand how this works I'm not willing to invest yet, but I do see uh some of my friends investing in shares and I see them getting that rewards


so ya I've actually thought about it several times uh but I just haven't put in the work necessary for it yet


ya uh but then do you think that like given the current situation with COVID and everything a a lot of uh stocks or shares that were thought to be doing very exceptionally well over the past few years have suddenly crashed , so even if you thought that uh over the next few years a certain stock was going to go very well and then because of COVID it suddenly just crashes down


uh so is this just a example of how uh you cannot be very certain with whether a certain stock will keep on going up and up uh you cannot just, trust in the process and this invest in it because there's many other external factors that can affect a stock uh at any random point of time


okay uh so let me ask you another question so you know I talked about the credit card like the rewards card right or how there's three different types of rewards you can get so there's like the cashback and there's the points and or like the miles


so what do you think it's like a very good reward system that uh people should use so like which type of a credit card the people should uh use normally, like should they use a cashback or should they use the point system or should they use the miles ya


uh actually not really cause uh right now as you said uh you and I both don't have any credit cards so we don't really use credit cards and we don't really know how the how it works so uh


okay so from I'm not really sure about my parents' one but actually uh as I know as for you know how does the Apple card that it was just released like not that long ago so uh it actually offers just a one percent cashback


uh on passenger purchases as made with the Apple card and then, two percent for purchases that is uh used with Apple pay so even though they released the Apple card right they actually offer more cashback on using the application Apple pay than using the card itself


yup and then, ya so uh there's also the, the OCBC frank card so ya okay so uh they are, offering actually six percent cashback on everything that you purchase with your OCBC


uh, yes six percent is actually risk it like uh a lot more than the Apple cards uh one one percent so ya


ya but as you as you said honestly six percent won't uh result in a very big amount of money unless you are spending uh a significant amount of money uh you won't be uh getting back as much money ya


uh no right now I'm not taking a loan sia my parents are able to pay for all my uh tuition fees so yes uh don't don't have any loans right now


okay so hi uh my name is vonavon and today we'll be talking about uh negative uh negative product review, an experience that uh a negative experience that uh I had uh so the first negative experience that I had was a with a


in relation to uh food and beverage so, uh there was this uh store I went to uh in uh orchard road uh I don't want to disclose the name uh but


basically uh I had just had a very bad experience with uh the customer service there uh they uh, we were waiting outside the store for a very long time and, they uh even though they were quite a busy they did not send anyone over to enquire about uh the people waiting outside so we were we were just waiting outside for a seat they didn't ask us how many people that will sitting they just kept on doing their own thing inside their store attending to the people inside the store


and a lot of you a lot of people you know there's uh there were just uh quite a lot of people waiting outside the store and, I think it went up to ten to fifteen minutes and we're not attended to at all and I I think there was a really really bad experience we will just standing there don't know what to do uh whether or not we should move on to other place or we should continue waiting


cause me and my friends we really wanted to eat at the place we wanted to, to try it out but then ended up uh, we ended up moving on to different place just cause we are not attended to at all


ya it was it was peak period but I think that no matter how busy you are you should be able to uh allocate at least one, ya one person to, to tell you oh you have to wait for another twenty minutes so uh you uh maybe you can


give a get a reservation for uh for them instead of not attending to them to at all so we didn't know how long we are supposed to wait for we will just waiting there not sure if uh that we will be attended to in the future or not


ya ya okay uh so another negative product review uh would be uh with a telco which is actually SingTel so I've actually had a lot of issues with uh my wifi at home


uh it's been over uh really a couple of years I would say so uh it will work for a certain period of time it will be very good for a certain period of time, and suddenly you will start having connectivity issues uh the download speed won't be as good uh uploads speed won't be won't be as good and


so we have actually called up SingTel a several times to tell them about this issue a lot of times they're just they're just give you the very generic answer of oh restart their modem uh or maybe you should upgrade to a better modem


but the thing was we were already using the best modem that they had already given us so we were already running on the fibre optic optic plan and they kept on insisting that uh you should upgrade the better plan but we were already using the best plan they were offering , so uh we have called we we have called them so many times and they kept on giving us these generic answers uh not not sending anyone


over to fix the issue uh so, and and this was not like a one off thing it kept on recurring over a a many times so I it was just really a very bad uh, bad experience is the with their customer service so uh and but but then the thing is right uh this was only over their hotline so when we actually went over to uh the SingTel store


so there's one near in the mall nearby and we went to that we went there we talked with the people there and then uh they over there they will actually more receiving they were able, to give a better idea of what was going on uh


so they they explained to us that uh it was not really the modem's fault uh but it was actually uh that the connectivity was not uh being received at all parts of the house so they were able to give us a a better solution uh so


I feel that uh the hotline should be able to have this same clarity that the people working at the shop itself, uh should have instead of just uh giving the same generic answers over and over again I think that the people working at a hotline should be able to understand better uh the problems that uh ask customers are having at home instead of since uh


they're just sitting there looking at the list of replies that probably uh, uh generic replies they have uh on the list in front of them it's like oh modem issue okay upgrade to better modem or restart your modem uh so I think they should uh


I think SingTel should honestly train their uh hotline members uh better to uh solve the people problem solve their problems better


ya ya uh talking about NTU uh another uh negative review that I have is actually uh with the


transport service that NTU provides uh within campus so uh NTU provides this campus rider uh around campus there's a, several buses that they were released at a specific timings for students uh living inside hall and maybe uh coming from outside uh to travel around campus cause NTU campus is uh reasonably big


you are not able to walk everywhere so uh having these having these buses is a is a good way of going around but the problem with these buses is actually the timings that the buses come at uh at certain instances you have three buses going in the same direction coming back after back to back


and then at other timings you just have one bus running the entire loop, so and if the bus is full especially of the current COVID situation uh you're not able to you're not able to stand on the bus so if the bus is full you're you just have to wait until next bus and the thing is that there's only one bus in the entire loop you end up waiting for roughly twenty minutes


uh eh for the bus to come back and by then wherever you want to go you will probably be late already so uh one one bad experience was actually uh on a saturday so I understand that saturdays are


it's hard it's uh you are expect not to have a lot of people in uh in school so they only have one bus running the campus but uh on that specific saturday there was actually a exam and it was a physical exam that I was supposed to attend uh at uh the other side of campus


so there was no there was no physical way for me to walk all the way there without being, late so I had to take the bus uh but when I checked uh, there was only one a bus running in the entire loop and there were so many people waiting for that one bus it cause to uh this was a general uh physics exam and it was taken by


thousands of students and everyone had to go to their respective uh locations everywhere in school so uh just at by bus stop there were so many people waiting so I had to wait with them I was not sure if I‘ll be able to get on the bus I was not


ya so my my exam was was in twenty minutes and if I didn't take that bus or if I didn't get on the bus that was coming there was no uh possible, way for me to reach the exam hall in time even if I ran all the way I don't think I will be able to make it


in time so uh it was honestly all up to luck at that point of time it was whether I'll be able to get on a bus uh which I ended up being able to get on a bus I think I was like the second last seat on the bus for my bus stop but uh


so it might not be a very negative review for me but the thing is I saw so many other people in the uh come upcoming bus stops all not able to get on the bus the bus just kept on going not even stopping at the bus stop so so many people just waiting at the bus stop staring at the bus going past them


seeing the clueless face as to what to do so uh I think that uh on such days especially on saturday I don't know why they are having an exam on saturday in the first place , but uh since there is an exam on saturday I think that the university should really uh liase with the bus conductors bus operators to send more buses uh


in the morning so uh at whatever timings that these exams are being held on uh if not, uh you cannot blame the students for being late if there is no buses for them to take to school


ya uh talking about the bus timings about the campus bus right so actually uh there is a app called new wave that is provided yes provided by the student union council


so uh the thing about the app is although uh they they show you the bus stops it's it's it's honestly a very good app we're able to put the timetable we're able to to check, uh location of editorial rooms we're able to check like you look at the map but then uh the the negative thing about the app I have currently is


is the bus timings itself so they actually provide a a rough estimate of the bus timings at what time the buses will come or uh how many buses are in the loop currently but I feel like this system is, very rarely updated so


even though the the app will tell you is like three minutes to the next bus you wait for three minutes not the buses comes and then uh like me wait for another five minutes there's still no bus so I think like the timings are really, uh unreliable uh not not constantly updated and also like


they have like a system to show you uh where the bus is currently on the loop but I don't really think the the system, works and sometimes the bus is going the opposite direction I don't know how it works that way , uh sometimes the bus just disappears off the map completely uh so yeah I I don't know how they auditing the system but I think they should be able to


uh have a more reliable system it it like since they're they're willing to uh provide such as a service I think they should be able to, update it regularly and make sure that the service that they're providing to the students is reliable and not just uh very hate concept uh very uh unreliable way of telling your whether the bus is coming or not cause in case you see the bus is in three minutes you wait for the bus but the bus doesn't arrive it until the


until maybe ten minutes or (uh) later than that, ya


okay okay uh so, okay so one positive product reviewed uh for me I was also a restaurant that I went to a few weeks back so uh this was a buffet restaurant uh it's called K.Cook uh at uh it's a korean BBQ restaurant uh it's located at uh somerset


uh ya so uh given the current situation if COVID and everything uh a lot of people have a very bad view of buffet, cause uh buffet are places where you normally have a lot of people coming together people sharing food so uh when me and my friend were going there first we also had our reservations we were


wondering oh is it a good idea do you think it's safe uh do you think they will have proper uh restrictions so make sure that people don't mingle so uh cause we have we have we had been to the place before uh but and that place uh is quite a small place uh so and then


how the their food sharing works it is all in a , in a row of a hotpot uh that you can get your food from so at first even when we wanted to go we were thinking uh do you think we should do you think it's safe to do so so we we had a reservations when we were going there but once we went there uh everything was very well planned out uh their


the waiters had uh laid out everything properly they had uh made sure that people were seated uh equal space from each other uh they, they even blocked out uh, the cooking areas in between uh, in between uh to like they had uh ample space in between the cooking areas uh and as for how the food was being served instead of uh having a common area where people can get a food from this time they they created the a new


a order list so uh before uh you basically place your order for what kind of food you want to cook so uh what kind of meat you want to select so instead of going up to the place and picking the meat, you basically order you just take off on the on the menu list and they'll bring the meat to you so this way you don't have to uh actually go to the place and get the food yourself you don't have to mingle with other people it's just the waiters they are bringing the food to you so


I think and uh given the fact that this was not available before COVID uh I think that the restaurant did very well to be able to implement this in the given COVID situation to make sure that uh the people do not mingle, uh and I think it's really a very well done by them uh


yes yes


okay ya it's, okay so in this situation it's more of uh it the the food is still free flow so you can you can still choose how much you want to order so as as you take as they have they have the menu so in the list you can take off whatever you want and then what you


yes you can just submit another new uh menu uh to them so as like you want to top up uh the certain uh meat or something that you want to cook


ya so uh I was really satisfied and with their customer service and everything they're constantly refilling your drinks you didn't have to ask them it's like once your cup ya once your cup was uh going to finish they just came came up to you, they're uh offered to refill and then they even offered if you if you wanted to change your drink like for example if you had sprite and you wanted to have iced lemon tea they will like oh do you want to continue with Sprite or do you want to continue with uh or you want to change to ice lemon tea for example ya


K no no it's not expensive uh for buffet normally you're expect to pay around twenty five plus thirty plus uh for lunch or dinner but uh me and my friend ended up paying around seventeen dollars per person for a free flow uh KBBQ


that uh we are able to cook your own meat, so I think it's really reasonable price uh, for yes yes yes uh, it was it was exceptional uh there were a lot of it there's a very good variety of of meats and


they even had their own uh cooked food so they had a Kimchi fried rice they have like a they have a Bento set so honestly they they had quite a good variety of stuff and I think that the price point is very very reasonable for


ya ya


ya I think I think it's quite nice to have a such innovation even when it comes to food uh being able to constantly change your menu once and then so that your your customers will not get bored of the eating the same kind of food so even regular customers will constantly have a different food to keep on trying


ya okay so recently uh I went to a Nike factory outlet at Changi city point, so I personally went there cause I didn't have uh I I needed a new pair of uh casual footwear uh my my my pair was getting to it was getting like probably around three years before I I bought another one so uh at first I went to


okay I went to Changi city point in general because there are quite a lot of factory outlets there uh be Nike Puma uh Adidas, or Asics but then uh what brought me to Nike, was because uh they were having this uh flash sale it was like a thirty percent off uh and


and honestly uh I feel I generally feel that Nike has a better range of uh products compared to some other brands or of personally uh it's better fitting for me uh they are able to offer


uh shoes for wide uh wide so uh wide foot wide footed people ya uh my my foot size is quite big and I feel like some other uh brands I need not able to accommodate uh for my foot size


yup so uh when I went to this Nike uh factory outlet at first there's a it's a rather long long queue uh cause, uh because of COVID now uh they're not able to have as many people inside the store at the same time so the first uh very positive experience for me was uh the way they organised that queue the way they organised uh how uh where people should be standing uh how


uh how did they letting people into the store and outside the store so, uh they had markings outside outside the store to make sure that people were standing one meter apart from each other they had people uh stationed outside uh to ensure that uh


the customers were uh following uh these markings uh making sure that they are constantly moving uh keeping the queue uh going forward all the time, making sure that people uh were standing but with the within the markers


ya so and uh there was also another person uh right at the entrance of the shop uh ensuring that uh there was always a certain number of people inside the shop and making sure that no other people, no none more extra than the limit that they had set for themselves so uh whenever uh two people came and went out and another two people will go in so it's a constant flow of uh out and in ah uh and


I think I think this flow was very well kept by the Nike people uh making sure that you're not waiting too long so even though the queue seemed very long there are always people going out there are always people going in so the queue was kept was was constantly moving so uh


ya okay so uh getting getting to that so uh, going inside the store uh my what I personally go for a, towards the back end of the store there's like a wall of of footwear so this wall is uh arranged according to size which is uh what I feel is very very good for people like me so I don't have to look around find a shoe that I like and end up realising that is not in my size I just I can just go to this wall I can just


uh look at the shoes that are in my size range I don't have to, uh have to disappointment of finding a shoe that I like and realising they don't have a size in my uh size for me so straight away I just go over to the uh to the size range uh that I'm looking for and then slowly I'll I'll look at the uh shoes that uh


uh available there and I see if uh any of it uh strikes my attention, so uh the thing about this wall of shoes is all of the shoes on this wall are actually on a on a sale so this sale is before the thirty percent of that the shop offers itself so for example if yup so for example if a shoe is uh ninety nine dollars then


if it's on the wall and it'll be around sixty something and then after the thirty percent off that the the shop is offering the shoe uh that I end up what uh buying was was only around forty six dollars, so so that almost comes to almost of


fifty percent uh discount on the shoe itself so uh after seeing this uh I only went there at at first to buy casual wear but I actually ended up buying myself a pair of football boots also uh cause my my pair was starting to get a worn worn out


so uh I saw a pair of football boots that I liked and realise that uh it's on a wall it's it's gonna be really cheap so uh and since uh since they already had the size, uh listed there I think uh I was able to try it on very easily and uh it fit it fit me and the people working there were able to uh help me uh give me like a good review of the boots that I was uh picking out for so


they were ever tell me the benefits of it whether whether the boots were first grade uh and, ya and they were really helpful and they were able to, uh look for the correct size for me also so I basically pointed to them oh this boots I I like these boots a lot uh do you do you think you have a size in size eleven and they're very fast they were they just quickly went over went inside a a gate got the size for me and honestly the time spent in the shop was very


minimum I honestly thought I'll be spending a lot more time inside the shop looking for the kind of shoe that I want, but it was very it was a very fast affair I was I was in I like the shoe I took the shoe I bought the shoe and I was out, and this kind of experience is exactly why the queue outside was never going uh very long cause that uh it was very fluid uh people uh working inside were able to keep it going very fluidly so uh I think it's a very positive uh experience for me


yup yup


ya actually uh I have a friend of I have a couple of friends of mine are actually uh they both work at Uniqlo uh they work as a customer service there and


uh from what I've heard and seen from them are they normally have a person at the entrance of the Uniqlo see in instead of uh most Uniqlo stores actually have, a very big entrance so a lot of people can just walk in from an uh any point uh straight to the to the section that they want to buy from


but uh with the current COVID situation they've closed off the other the big entrance and uh restricted the entries to just one uh area and then there will situate one person at the entrance make sure that they will take the temperature they do their SafeEntry , and then after that they can uh move on to whichever section they want to shop in


so uh and the thing about ah you're talking about how uh, the card did uh people shopping there don't really need customer service it's very true, ya uh so uh how people how the customer service works there is if you look lost if you look like you need help they will go and they will then they will go and offer their help so ah before that we uh other than that they don't really need to uh approach the person so they're not infringing infringing on their privacy also


personal finance, okay uh alright so uh, ya hi my name is Sindhu and I'm going to talk about personal finance


going to talk about whether or not uh one person should own a credit card, uh I think it's uh it it's actually important for us to own a credit card so that we can actually use it in the right way actually it depends on how you want to use it so if you


have a credit card cause when I first started off I did not want to have credit card I I told myself no you know I don't want that kind of extra burden and stress you know really uh another uh facility other than the debit card from the bank but what happened was that uh when I realised that you know there is such Krisflyer cards and then you can get uh


rebates and everything right so that's when I decided, to get a credit card so you know you really need to know how to use it first, uh if you can, harness the way of uh using a credit card uh correctly that means the moment you use it you pay up straight away and not let the uh


the amount roll, then it's a good thing lah I mean you can actually use it for and gain a lot of stuff like for example for me I I mean I went for the, trips all Krisflyer miles business class all for free so close to three ya so it's it's really about how you


you, use it up lah I mean if you end up like, what's that call uh rolling the amount of money and not paying it up on time then obviously you're going to be uh struggling lah to, keep up in this uh banking facility lah in that sense and also sometimes credit card they give you like minimum sum to pay in a month you know you just have to pay fifty dollars very very tempting to just pay fifty dollars but then you do understand that once you actually just pay the minimum fifty dollars then you have like a certain


uh the interest is on the rest of the amount so usually what I'll do is the moment I spend on the, credit card I will pay it up and and I always ensure that whatever I want to spend on I have the now the cash, so that when the moment I spend on on the credit card I just pay up and then I don't need to think about it anymore I'm just trying to get points for it to


to uh have a much more uh uh uh uh uh you know interesting life rather than, than uh, economy class flights lah in that sense so ya that's what I think you should own a credit card what about you


ah when I got my credit card only in uh twenty three lah, think once our once you get ya once you get your job I think you can apply for your credit card, start off with a simple uh like for me because uh you know my mum is the one who said [orh] you know go for a Krisflyer card so that's why I'm settled up with that Amex Krisflyer then


move on to uh the now is the Amex platinum lah so, usually the moment you actually uh cause, krisflyer once you end up paying every time on you spend and then you pay straightaway right then they will Amex itself will, offer to give you the higher tier credit card ya for free so ya and then another thing is you must remember don't pay for I mean try not to


pay for the yearly uh subscription lah I think that's a waste of your time lah you always call and ask for a waiver one, cause you're already spending money, while using their card and everything so they are already getting whatever uh admin fees that's in between you and the seller so


ya so usually what we we must remember lah so like for me I I will call Amex every year and tell them like hell no am I paying uh ya the, yearly fees lah so to this year I never pay yet lah usually I will just call and waiver and platinum cards is free for me for life so I don't even need to bother about it so I think you should do that as well I think you should uh


yes, ya you like to travel also right I mean you also like to travel so you can get a Krisflyer card, and then, ya I think that will be a good one to start off lah I mean once you get a card then there are other


cards that are obviously better out there I think there are like the citibank card the cashback card where you can get uh money for how much of like X amount that you spent on petrol and everything, but, ah ya but even that one also I think at the end of the day we went back we like me and chuck I and uh you know we we did go to uh Citibank then after that we decided not to go with Citibank we prefer Amex's uh


discounts on the petrol so we end up going to Amex again, so ya, ya we do we do I think, up to twenty percent discount ya so it's a good uh ya you should just, you should you should it's okay to own a credit card we cannot be scared of it lah initially I also is quite scared of you know but then once uh because I'm scared of it because you know last time you go


where I volunteer ah the meet the people session ah you always hear people coming with credit card debts all and damn stressed, that time you write them a letter for them you're telling them how come got so much of money how come got so many card one then you tell yourself you don't want to have a credit card already but then after that you realised that that actually like if you know how to


game the system, then you can actually uh, learn will lah definitely, I think you will be able to learn it lah if you see me, I'll make sure you do it I'll teach you, little minion ya


can can is there anything you you want to talk about like, how about habit of saving or how do you save topic thirteen, thirteen thirteen


I know you have a card already so how how you saving your debit card


uh not not a loan, not a loan not a loan so actually actually the the way for that right I noticed right is when I was like your age what I did was, when I first started my my first job already I already had a separate bank account so that account I never take any I don't have any uh online OTP I don't have any card or whatsoever actually ya so you cannot access so you just like every every month I just make sure that money is being thrown into the account


and then at the end of the day it just the money will end up using for the wedding and even for, when delivering a baby and all because you don't know how much that is that is, from one hundred thousand just take and then you just use it, ya but it's just very Leceh to go to the bank and take the money so you just forget about it that it's there so you must make sure you make sure that there are multiple of such accounts lah like for me I got a few lah obviously so you just do like that ah then you basically forget about it cause now you got access to your your


your amount mah your savings mah so that you cannot save


and then what are sisters for right, ya actually


actually actually I mean now that you actually say that right I mean you see in the question fourteen they ask for financial advice you will give me to five years ago that will be you lah, I would say save lah really you really need to save all your money how much you can because


you see look at this COVID time how many people lose their jobs they don't even have, the the money to spend you should save as much as you can, you know uh once you have more money then you can spend so usually the I think the rule of thumb is try to at least save like uh thirty percent of whatever you have


thirty to forty percent you try to save, ya can you hear me, uh oh I can't hear you peter, ya so just try to save thirty percent to forty percent it can come in that sense of like insurance or whatever lah you know


ya ya now I can hear you so, ya so just try to save your money don't spend on Shopee unless you want to buy for, your nephew so , , obviously obviously so ya


what (mmhmm) ya, so ya what else okay uh, let me see I can, in the post COVID world what changes are you making in terms of your spending saving habits I think last time I started off with saving thirty percent


now I'm saving maximum I'm telling myself like every single thing I buy I'm paying is it a need is a necessity or is it a want the moment I see it's a want I tell myself never mind can buy for, post COVID lah, now everything is just so scary like last time do you know


me I used to buy like handbags ah watch lah you know eh maybe that I always survive one now the last time I buy handbag is like, so try to save as much really now it's we don't know what's going to happen lah eh so I'm a bit


cheaper price ya ya ya, ya, so usually what I do is that if I have like the urge to buy something from Shopee I'll buy something for the house so end up you see I buy like hand wash


ah detergent ah you know just buy that then you tell yourself okay K your shopping done already, ya I know I know but you know you do something like that then you feel at ease you know like we'd at least some money is fair you're not wasting money on like just another gift or something you know so ya


I think that's like important ah, what else (hmm) let's see, is there any questions you have from there that you want me to answer or you want to answer


maybe I'll just continue talking to you about the strategies I would recommend for someone planning to buy their big ticket expenditures considering you know you may end up buying a car next, for at least


(hmm) I'm not buying a car together with you, ya I have so little trust in you, peter so anyways uh, well if you're going to buy a car, okay maybe , it's about knowing when to buy, like when we bought the last car


we spent like a lot on COE uh I think that about that was because we were desperate, ya and you need to know uh what is, like now recently the COE drop that's the reason why we change, that car to our current car you know it's it's


very important for us to actually plan when you want to get your your car or even start a family and you cannot just do it in the midst, of a basically a a a pandemic and then you expect everything to be cheap or or whatever not, so whatever you do just plan uh save you know you need to have a


at any point of time lah just save at least ten K try to aim for the ten K first ten K fast, then at least you can you know have something you can buy a car put that down for your car or something you know whatever, that's necessary lah, and then for you I think best to go for a second hand car first so that you can


wreck it necessary before you buy a new car ya I mean !hey! I also wrecked dad's car before so , ya don't be scared alright, ya is your mic okay already


ah okay let's just see what else can I talk about , K what are your thoughts on CPF contribution, well it is a interesting uh topic


CPF contribution is important, I definitely gained a lot from it, so, whatever it is you make sure you get a job that helps you to contribute to your CPF, uh or not a bit difficult to buy HDB house lah so ya at least it can help you defray the cost


have you figured out your mic thing cause your face is kind of scary


make sure that you save enough pay take ah ya that's good, every time you find a job make sure that's something that pay CPF lah that you know that sometimes you do those part time part time internship thing ah they don't pay you CPF one then


it's really like a waste of uh time and effort in my opinion because at the end day when you buy your first HDB that is the money that they want to, see and before they give you your HDB loan, and whatsoever you know so it's important, but last time during my time when I bought this house


they already take away all the money from my CPF lah before uh everything now they changed it, ya they used it a lot, ya but there's there's nothing wrong lah because at the end of the day it's not not it's not like I can uh


uh bad, ya I can't do anything illegal what ya, so, ya and plus it's like, as long as you, in for your job money will still come in to your, CPF you no need to worry about it just make sure that you have, but I think now they don't take the full amount I think they take a certain percentage only


like if I'm not wrong ya so, it's important to have your CPF savings, uh ya, unless you are those very cash rich find someone who is cash rich and get married with them


ya, [orh] peter why don't you tell me what you think, or about anything any of those uh nineteen topics there in front of us


ya ya ya Amazon what, [orh] shares, [orh]


if you are still in then you can you can do it


but the problem is that a lot of places where you work they don't allow you to have this kind of, ya that's why lah die lah find someone find someone who's rich okay okay


[orh] can okay what else you want to talk about let's see, I already tell you already save money, buy buy when the prices drop don't buy anyhow like what


the mistake we made like with our with cash right that previous car ya and, the car value was lesser than the COE ah we wanted to kill ourselves after that, so ya, plan properly wedding also plan


ya, but as returns we really paid a lot of credit for it and plus you have a brother in law in the events company so that makes sense you can always use him


ya , ya correct correct probably


ya ya actually it's it's very smart for you to say that you want you should buy property overseas cause in singapore it's not really uh I think the property burdens too too that lah actually confirm we can afford to buy we can afford to buy another property in other countries


I got a financial adviser also I would suggest you to get a financials


I have two lah one is uh the same one that your second sister is using you didn't even check and other one is the people in white you know ya ya


negative product review


is it #hong lim# no lah #sim lim# lah auntie


#sim lim# is known for uh to have like this kind of like bad experiences what I mean they are known for for having this kind of uh questionable ethical, problems with their sales


ya of course K for for for me I think uh #sim lim# ya I I've I've seen, multiple times ah must be careful whenever you buy uh go there or buy stuff over there, so , ya I understand but when it comes for bad experiences bad product reviews I think the the one that takes the cake


uh take, the shit if anything uh it's actually uh the travel agency, so you remember we have to pay for uh Amas and uh, the two of them going to india and everything


ya so I I I I was quite pissed off because I was the one who introduced them the agency and I never had any issues with them when I went, to like uh africa with them or when I went, turkey because that's the same agency that I went turkey you know uh previously it run so I was quite


disturbed when they became uncontactable, uh during this COVID period and then they decided to like, you know not uh reply eh half to it I was , really this close cause we used Amex to pay I was this close to I already call Amex already I say Amex


take back the money for me you know I do something you know so uh thank god they got back to us and then they say that [orh] you know they apologised and they want to give us back the uh credit and all but then this was like three four months after, after


this whole COVID thing started so I felt that you know these are old people, and what if this is like, hard earn I mean these are their hard earned money but these are really old people who are not working then and what if they were also affected by COVID you know what if it's like


that really Ama kind of level people who maybe lost their jobs during COVID and and they can't afford to go to india anymore then you know, how how then, ya is this how they're going to treat so I I don't know lah I mean and it's not to say like they paid for anything or what it's just that


you can take back what your deposit amount, you know a certain percentage like deposit and pay the rest back to them you know fine the administrative you, spend money saving selling the product to the the the two, people fine but you shouldn't be holding back the whole amount


you know so I felt that that's very selfish of the part of the travel agent EU travel so I I I was quite disturbed by them and to tell the truth, a bit too disturbed such that I don't think I would want to patronise the them anymore although previously I did patronise them for very big tours


to turkey and to uh africa, I mean I'd rather go to something that someone who's a bit more ethical than to go to this kind of , inethical people lah then another very bad one I think, you know of is the the remember that the accident one


the scooter, ya what the hell lah, !wah! that, was terrible that was major man what kind of kid is that, the, ya like what go in and come out in like three only three hours I went in and come out three hours


ya and then give me panadol and just two days MC, including the day I got I got into accident and I wasn't even the driver I was just uh walking at the side of the road


like, you know you uh I I I I do you know do you know they're damn they damn lucky because we actually, wanted to take legal actions against the hospital and and, ya we we started off already sort of our lawyers were already like ready cause you know there's already legal actions against that driver that came and hit us like came and hit me right so we were like want to start already then the COVID happened and that hospital is damn lucky because it's COVID time and


we cannot we don't want to like we we trying to be ethical here you know people are doctors are trying to save people people's lives okay COVID and we don't want to be that asshole who's like uh [orh] you know ah we going to sue you all for for negligence or something like that, but you know what do you know that recently that


hospital actually Kena like a very bad uh incident some other person actually had a very similar incident and then they put it up on like Yahoo news and all, so like ya cause that that the damage is like so badly like uh


dying down there because people just, reviewed them so badly during the COVID time, so I I feel like you know you , I don't know I that I think that one that one is also was quite bad lah I mean I was quite disturbed, and you know what it kind of like, it kind of like uh complicated


a lot of things for the lawyers as well as for the police who were involved in the investigation because then they have to take this hospital's uh medical report and wonder how come down here only got, two days and then the other specialist hospital actually gave me a one month uh hospitalisation


leave you know so that, that's the stupid things, big lah so I thought those two I think were the worst, I've uh faced so, far uh ya, what about yourself anything that you bought recently online that that kind of screwed you over or uh maybe Sephora you can start on Sephora online tickets


no no that that's because is it wait wait are yous is it the staff, is it the staff or is it the like they have their undercover people ah is it


ya ya they are so proper and because they always come as undercover


because they uh I mean I can imagine wait until you see like those police boards all these always Sephora has like high theft shop theft mah


no I I understand lah ah I think for Sephora would be the Serangoon nex the indian girl you ask me to go and see, I know I know you told me about her then I went to go and see her then I asked her I want to buy foundation then she say, uh is this colour or this colour then she just gave me the foundation and walked away and I'm like I'm not buying here anymore get lost you know


ah ya ya ya I understand


ah ya correct it is what it is, ah (oo) bad Innisfree is it good (uh huh)


with brown skin yo


no no no I think I think I've had a similar experience with innisfree and that's the reason why I don't go there I I only went to Innisfree like maybe once and that was like at Takashimaya, and then I wanted to buy eyeliner and then the the way they treated me ah was just like, bye, I'm not coming here anymore so


ah bad, ya ya


no but maybe it's also because you're a student, that's, the problem right when when you, ya [orh] ya then maybe, I don't think it's the skin colour thing I think that one is more of like, I think it's just


the stereotype like [orh] you know, ya, ya so I think it's a stereotype ya I


but indeed india always has that kind of a back that's why Mustafa is quite bad I mean sorry lah but Mustafa is a very bad place to buy uh uh stuff from they have like, really bad customer service it's like it's just there it's just, there like go where where there there like !huh! how where where like which aisle


three aisles away or you go and ask the next person there then uh by the time I find the next one person there it's like


wait is it the blender story that happened I miss that day on the WhatsApp, what happened ya probably that's the that's the there ya they have to do that hair care


no but these people these people don't like they don't like to work there really, it's just money they don't like to work there okay like I have spoken to like the the Mustafa staff, no, because they don't get paid enough so they don't really care about like


how the thing is or or whatever or to help you they don't care about this customer service rubbish they don't have enough motivation or perks to actually uh you know do this so that's the the problem like the time when I spoke, to you know , someone who actually work there they told openly said that we we don't they don't have anything the the there's no benefits whatsoever for them to fight for so when you ask them for like


even if you go there and buy watch, you know the I got go there once go say want to buy like Longines watch ah they're they very irritated to just take out one watch then you're like then why am I buying a watch here then you know I rather just go to like other places that I can buy a Longines from you know I don't want to buy it from you here that kind of thing so


it's like uh ya Mustafa is not a very uh ya I think, they do suck actually when it comes to products, fail customer service they they need to up their game a bit but then again I realised it it's actually a very, it's a very, in the end india indian


thing lah I mean in india also the customer service is quite bad right, don't you think so, like the only reason why, that time the Pothy's actually gave us a good, uh customer service because they they knew we were from singapore, ya other


their own people they don't care one, if because we were, spending a lot of money they they already suspected you're from singapore or malaysia or sri lanka then he came and ask us that's why they were treating us like royalty giving us the key and everything but the moment they think that you are just one of them they just want to treat


you like shit and that's their mindset (mmhmm)


no wait wait wait but but they stop then then I can but wait did you did did she went with her mother in law right


remember which shop was this ah


uh like like I I ya I I when it comes, to [orh] I know I have very bad recently I have very bad uh experience at a restaurant, we went to a mexican restaurant to be, eat like this the last time


maybe was in your house, then what happened was that uh, the they gave us so basically they have this COVID nineteen's social distancing thing right you know going on and they separated the group into, two different groups which is understandable but they separated us in


like one side of the restaurant to the other side of the restaurant, at ya because COVID nineteen then we are like can we just get the a table nearby or around that area they're like [orh] because you know uh you all can't intermingle we're like we don't want to intermingle but you know you're there as a group it's a bit


you have to like put us all the way at the other end you know kind of thing so end up we were buying food for each other so like they bought us wine and you're buying them churros and then stuff like it was going that way lah then what happened was that, ah they gave us, churros that was, double double fried


so when we were eating the churros like you are old it was like dark brown and we're like okay maybe it's cinnamon or or or or or, or uh chocolate then when we put in the mouth it was like it's so inside is like a lighter brown and then outside is dark brown we are like okay then you know that it's cherry based, double double they double fried it


then we we were like [orh] you know this is double fried and then they were like, the best part they they sent uh this indian guy out cause you know they want to show us some uh, you know menacing ya to to to to shun to, him lah just want to show them, then, he didn't talk the the chinese our our friends like chinese friends they're the ones who said that these these churros suck like what do you want us to do


and and they and then he was like [orh] but we can't make another one for you then he was like if order only they'll make we can't make another one for you all, cause you know our kitchen is closed and or whatever not then he was like forget it we don't want to eat these churros and, you know take it back and then they were like [orh] but you all eat it already then he was like


we took one bite and one bite what do you want us to do it tasted like rubbish and all and I was just like super pissed off I wanted to just, google review yup review that damn thing out but lucky they they they said they gave back us gave us with the money lah ya it was at at a a mexican restaurant near uh


Katong there forgot the name but the food was nice except churros ah, ya so that one I remember, other than that no lah usually whenever I see singapore customer service I mean


ya it's quite okay unless you're going to like Tekka then question mark lah, [orh] by the way Tekka right they can actually smell our fear, like I think that the people there can smell like I can't speak tamil very well so when weekends, when I go there and ask them something they just like


, ah don't talk to me you know you're not serious and I'm like I want to buy, buy this one, so nowadays I just go there and then I give them a list, and then I say can you, no because I can't speak the language properly what I talk I talk to some, broken tamil so, so last time nowadays I go to tekka I bring my I bring Amma bring mother in law along


help me fight my war, ya maybe, ya ya ya, they like to like shove you away then other people then you are like !huh! but I'm here in the queue first


you shouldn't buy it online, on Shopee and Lazada and all you shouldn't, ya it's over ya ya it's over, the moderators was like laughing at us


if you are going to say that I think personally I don't know I uh uh for me was Amex American Express, their letter the veteran standard of customer service you can call them anywhere any country and you can, everything is just so well


uh you know handled, and that, I think one of I mean I had a similar one at night as well but I think more importantly I had one in, the time I went to the US, and then cause it's American Express and I was thinking like how come my card there was some issue it was declined at the shop and it was quite embarrassing for me cause I was like I was using it and how come it's you know every other shop was okay except for this one


so, the obviously you know it's it's the US in LA and they were like [orh] uh most probably is your card and cause it's you know we're asians so they straightaway shutdown and they basically trying to see me as a, someone who's


I heard the catch you know it's it's they're like the way they made it sounds so I was really pissed off so what happened was that, I called Amex then and there in front of the of the restaurant and then Amex people actually said to pass the phone to the people and they they handle it so apparently their machine had some problem some settings wrong or something like that and ultimately the card was accepted that Amex card was accepted so I I was like cause


people were looking ah obviously like might cause I went there with a few of my colleagues mah so everyone was like, cause none of them have a Amex card then, I felt like super embarrassed initially but after that I realised it's not my fault I was like ah okay then haha loser ya it was so badass ya ya but I I every time I


call amex right I feel like it's like a sec, very rejuvenating no joke even during the, the COVID time right when you talk to them ah they are like [orh] you know ah we're currently working from home but you know uh this is what ya I can do for you now because I I can't do the waiver of the of the thing and then they


they're so nice [orh] how are you doing today you know uh [orh] don't be stressed about this I hope you have, had your lunch they talk about this kind of things so which you are, and then your heart you are like uh I just want to waiver my credit card no no money you know ah a very simple thing ya !wah! but okay lah since you're talking to me I I I I will talk to you as well so you know they were super


they are ya have to Layan them lah but they are super nice eh and and sometimes you, sometimes they are really too nice and, cause I had that handled multiple other banks as, well and, I've never had that the same experience, with, other banks compared to Amex rep I'm uh really really not the same at all


so that's the reason why, I think me and uh uh my husband stuck to Amex because we really like their customer service they they don't, they don't like uh you know, make us feel bad at all, they always make us feel like we are top tier


you know we can just have a simple Amex, card we we don't need to have the platinum card or the the the their charge card or whatever you know cause they have other like more powerful looking uh card credit cards and all don't need to be that have that also they still, treat you like royalty, ya so I think that was


that is the best uh when we talk about customer service to me is just Amex, all ya, what about other things do you have any other best better uh examples of, you like Sephora !walao! I don't like Sephora's uh sign eh okay never mind tell me why ah


ya, ya


wait wait was this a young girl who did that to you like you can't afford your


!hey! was this at Jurong east, ya I I think there's a really that nice chinese auntie down there because I I got her once as well, after that after the Serangoon nex the remember the bad incident I told you about it, ya that that's so irritating ah gosh ya ya there that this I I remember there's a chinese auntie in sephora


Jurong east ya, then so she she ask you to wear then she got ask you to just come back again another time to buy or something ya right cause cause ya that's what she told me to do there was one lady


it's because you're a student it's very obvious, no no uh I I realised actually I realised that about Sephora they they they judge us on how we dress what we wear and everything


ya ya you're not going to get any help one, ya you know the the the I think the the greatest flex is uh you just go there and then you are like uh, the way they treat you and then you're like [orh] but then right , you know


I want to try this cause you know they have this like free testing right you know they will do it for you, and then they're like [orh] but this is only for your what platinum or gold card members ah gold card member, then I straightaway flex my, card out always I take out I'll be like ah ya but I've a gold card then they will like [orh] okay uh now now we'll come and help you and I'm like just because I've no makeup on you don't want to help me when I asked it ya so


it's always the case I I I actually, for me Sephora is always a hit and hit and miss because of that, some of them are nice some of them are so irritating, ya, so I I I don't know and and I personally , pricing in sephora quite expensive lah you go to Changi DFS way cheaper lah


, that's why I always ask you all what you all want to buy when I go overseas, remember I I buy for you the spray all there what that time, the Urban Decay spray and all, probably ten fifteen dollars cheaper there


okay now food and beverage I had like a really good experience in , remember that time we went tos to to to, to Kitchen Kumars you were there uh we went out to eat eh out that time I was pregnant and then we I wanted to go and uh celebrate his birthday there


and I was so scared cause when the COVID came cause they were new business then I was like I some more gave them like my deposit then I thought they going to like and I cancel it like, what one day before the because COVID rules came in one day before his birthday mah, ya then I I cancel then I was so scared she won't give me back my four hundred dollars or five hundred dollars I was like shit


you know uh would she not give me but that lady was so, nice she was like I understand it's okay I will just, give you back that money, and then after that the worst thing was she bought she also made the special cake topper you know for his birthday her, she also made that you go and collect one more for me right but I thought she didn't make it already or since it's already fell out of the she made it then she was like


I can give it to you lah you just get someone to collect it you don't need to pay me for it then I was like no no no it's okay I felt so bad like in my heart I'm just like you got a new business then uh your your your restaurant is not to say in a very cheap place in a you know it's in #ann siang# there so I just


decided to defer the money I ask, can you just tell how much is it then she was like [orh] that got twenty twenty dollars or something then I was like okay I'll pay for that and I'll go and get it collected, so I got one of his friends to go and collect that the cake topper but uh like I feel like I want to go back and patronise her shop although her food is quite expensive because


of her customer service that, I I don't mind having like doing a birthday party there for maybe or something you know just so that, we can show that we still support the, the business her, business lah ya I I don't know lah I I felt quite bad for


taking back the deposit but, you know it's COVID what do you expect me to do, do and , ya so I thought that was good but do we have any other good food and beverage uh stories


ah


uh come and support you lah that's nice, to what (uh huh) okay ya staff (uh huh) ya [orh] ya ya ah ya [orh]


uh but that's that's nice, wait this the one near your near our house ah near your place


ah okay K K I know I know


actually uh I mean for me I have a good gym experience too uh the one that I go to the, at #tanjong pagar# uh so after I got into the, car accident they actually did not forgo, my sessions they kept it and then after the car accident I got pregnant then they still keep it


they the trainer say [orh] congrats I I wait for you I keep for you the session so you can come, back when you are ready ya she, so she basically took away the expiry which was quite sweet of her lah uh I mean you know she don't need to you know, cause her sessions are quite expensive but she's fine


ya so I thought that was a good one but the problem is that apparently their landlord just up their rental, so, they so now they are finding for a new place to set up so they tell me that they will let me know once they, set up a new place then I can go in ah that day only I messaged her, that's quite nice okay let's see go next one


health and wellness , boo you should go to spa Adeva at spa Rael or spa Adeva, okay I I sponsor you I sponsor you for your twenty first birthday so ya


ya so ya they are !wah! they, it's like how do you imagine you see the crazy rich asians all those spas like that ah it's like that kind of shit, ya but it's not like it's not like Banyan Tree lah the one that time I went Banyan Tree it was too, too too Atas already ya so it


ya that one is a bit like one massage like three hundred dollars a bit too expensive lah so it's for services, but this one can still sponsor for you lah so but, it's equivalent I would say so I think you should try spa Adeva or, spa Rael they are really really nice and


and makes you feel a bit uh Atas although we know very well, I mean we're not crazy rich asians lah but you know but ya, ya I I know I because they they uh they, lah they they never force any packages on me lah but I did buy a package with them and they are very


like they know that you are a, down to earth middle class person so they don't they they they don't try to like upsell you any shit like [orh] you know let me add on this or add on that no they they they just tell you okay this is what, you want to get and they give you this is the best price and then when you


calculate and see actually it's, just maybe another twenty thirty dollars extra from, your normal massages and all then you're like okay lah I don't mind you know going to this Atas massage place just for, this uh experience once in a blue ya ya ya ya so


ya eh eh [orh] by the way that one I got it from Amex only so ya , ya so Amex is the reason why I I get to to live a better or a higher life let's see what else ya please do ya your awesome hair which you


I know but previously it was very nice when you came to my place so I don't know why you go and screw it up but anyways you want to talk about that


but I thought your hair looked very nice till you went and go and do something practically sure darling sure ya


I I don't know I I think I am still very young so I don't think I have the financial responsibility or the capabilities to own a credit card so I'm happy with my debit card, how old do you get how old were you when you got your credit card


get a Krisflyer card when I reach twenty three


so you get discounts for petrol


debt ya ya correct correct


K uh I come to you to learn, good question ya should uh what number is that ah


thirteen uh so Pooja, how do I save, uh actually I think the OCBC, bank app right has a like a savings plan, where they will take some money out like let's say I put


under , like I want to save up for my gym right so like they will they will put aside or they will accumulate a certain amount of money like every a particular time of the month then they will take out, ya, uh and then until I reach my goal or something you know


so it will go according to the amount of money I already have in my bank and like how much I'm getting in monthly lah so for me because I'm not working I I stopped working I am on dependent on like allowance right so it's very convenient for me to, use it lah as in when I want to save but


I think the issue for me is that I , uh, uh where if I see that I have money I cannot stop myself from going on Shopee, it's like a, uh everything I like I just have to buy it's a very bad habit , , it's so cheap what do you want me to do


so cannot access lah


ya and the Shopee one I don't even have to put OTP you know I just press, buy and then no need OTP also just buy always, money okay lah no lah but I think now I have much more control over my finances like uh as in I don't have the need to buy a lot of things now like I think


ya because I I realised that my mum can buy it for me , , exactly youngest of course what are sisters for what are family for no lah ya but I also uh since school hasn't started as in school has started but it's home based learning I don't have a lot of expenses


I I pay most of my food


see there's this the toxic energy I'm talking about you are supposed to not encourage me , I was doing fine until he was born then I've to buy everything oh my god so cute he will look at the other one


I stopped buying expensive stuff if there's anything like I make sure I find for a sale, when I need and I only buy like you know my skincare right it's only if it's on sale and like I really need it I will get the product and that one also like I choose like iHerb and you know places that are obviously going to have a cheaper price in in ya like instead of the it's a wholesale price you know


ya that's so much better that's not good , that's you being a mum honey


ya no my voice recorder just


I don't know why uh my voice recorder just malfunctioned


my mic is okay it's just that my computer recording ah, it stopped recording


I'm serious, ah no my computer recorder is not uh, it


ya it stopped, so I'm trying to like, it's trying to resume, ya trying to resume it, and, okay I think now can, uh please don't, ya I think okay ya sorry just continue


can ya let's resume okay, uh uh ya they will take what


like it's taken before we is they would they take uh CPF from me now already


like they used it all up, I'm confused so you so you don't [orh] take out okay valid point, uh getting married for it okay


uh finding someone cash rich obviously no , uh uh okay I , about CPF is it I think anything, (hmm) okay let's see


okay what can you do to earn extra income or improve your income level , I I always want that but okay so somehow I've never managed to find a balance between working extra hours and, doing this but I realised that there's a lot of like I don't know if it's sketchy or not lah ah but a lot of people doing E commerce


or like investing, ya or like I don't know ya so the E commerce one is very sketchy because like they will start with the Amazon , can you hear me, ya I just start really like [orh] you can get a pie of the Amazon , ya


it's quite funny lah but ya , that but uh I've always wanted I've I've always thought about starting like a small business, you know like for any for things that I like fashion accessories you know saree would have love to collaborate with you to start a nice


Saree shop artisan #saree#s you know I think we can earn a lot because there is a market for it, so , ya I I I really feel there's a market and there's a lack of people like tapping on it so that's that uh so I would want to get like if I do in the future if we do start a shop that will be my extra income lah starting a job on the side but I also want to do it


legally I don't want to create a situation where I don't declare to the government, and then it's like very messy you know, what might as well just do anything you want to do legally, you know what I mean ya, side business then how like that


, I need someone else ya how what else, , okay how do, okay you keep pushing for that, do you think this place can find someone rich maybe ah maybe maybe maybe


what strategies would you recommend to someone planning for their big ticket expenditures, Akka why don't you tell me what was your plan, [orh] that was all


get the cheapest but your I think your wedding and engagement was actually very , as in you all manage to get a good bargain in comparison to other people who would not have been able to


that's another very valid point, (mmhmm) ya okay okay , okay what advice would you give to someone in order to retire comfortably, , I honestly I feel like because uh my mother has told me about investing in houses like I feel like that side income right is going to come in handy when you retire comfortably


ya I know like you let the house for rent ah even if you are going to buy a house overseas right, example australia right I think it's a very smart move because a lot of students actually go to study in australia and then they don't want to say in dorms, cause dorms are unsafe so if you buy a house overseas in australia you can actually rent the houses out to students you know


and maybe like hire someone to be like the, I don't know house auntie, housekeeper yes that's the word housekeeper house auntie


okay should I DIY or get a financial adviser to plan my finances, actually I was, ya I was actually planning to like once I actually start to get like a stable income or a steady flow of cash of my salary right I'm actually going to I'm planning to get a financial adviser


okay okay but who, who was your financial adviser your like where do you get them from


okay K K enough enough okay (ppl) yes ma'am, (ppl) thank you


negative product review, let's get it okay uh I mine okay I think I was, fourteen or fifteen years old when this happened I still remember we were at , my father was trying to buy for me headphones


Beats, Beats headphones ah K and this this particular place #hong lim#, #hong lim# right, #sim lim# my bad sorry [orh] , so it was #sim lim# right and at #sim lim# they actually


uh we kind of got like, essentially it was a racist encounter lah we were talking in tamil we were discussing the product uh I guess like the product requirement and the fact that I wanted Beats so I was telling my dad this shop confirm don't have Beats cause it looks like a very, they don't carry authentic Beats products lah they just carry like you know generic headphones


and I remember the shop owner or the person sitting at the cashier just started to go at the back, I was, ya and he did the head shake and shit I was like bro I was so annoyed because and then like I was uh I I stopped and then I looked at the guy and then I looked to my father I think my father didn't notice and he was discussing then I say Appa I told my father I don't want to shop here anymore so we walked out and then I think


apparently my father heard lah so he was like swearing back at the guy, you know I was likes excuse me sir you are literally located at #hong lim# eh #hong lim# is nearest to little india eh I'm very confused #sim lim# my bad #hong lim# Sim okay wait #hong lim# is at chinatown there okay it's my bad #sim lim# ah


it's located at the little india area you know what I mean, like you all, last thing you all should do right is like a vast majority I can say about the customers perhaps might be indians eh all you know last thing you can do is why would you want to make fun of them you know what I mean and like


uh I was like I I think that was the first time I was like !wow! people actually can be racist like experiencing it, notorious I don't know why my father brought me there , I hope


I hope that guy business doesn't work ah anyway your turn


that one was quite that that was major BS man, , that was bullshit , ya and you looked like shit like you were clearly like it was bad and then they were just like ah she's fine whatever


ya you all should have why you never


no lah I think with Sephora it's always a hit or miss lah uh I've I've actually been like, uh watched at Sephora like once I enter right all eyes on me is like I'm going to take a bunch of stuff and run out you know like !woo! I'm going to steal


staff okay so one thing is the staff right then you have the two guys or three guys wearing black uh this inside the Sephora half the time I'm so confused as to why, like they will literally come near me eh then I'm like bro I one hand got laptop the other hand got bag I know one hand got handphone


I understand I understand but then there's also a thing where like I am going to pay you know what I mean like you pat me down when we exit lah di di di di di di you know what I mean !haiya! nevermind I think and even beyond


!wah! okay I unfollowed her on Instagram by the away cause she's a bitch she's a bitch


when they give us this kind of service you will think okay they have other things better to do and then I walk to the other side and I see them talking to their colleague, I'm like sis your job is what you doing what, I'm so confused uh I'm like, like hold up what's happening here I I've never I think like Sephora for me is like uh once you get a hit or miss lah ah right but it is what it is


okay lah honestly I feel like,


when I buy things I must be sure I know what I want to buy, I cannot rely on them introducing me the products introducing to me the products, I do see a difference in the way people are treated in Innisfree


no lah but that's the thing I think it's a it's it's maybe it might be uh , might not be even that but ya I've seen it like I will I will never ever, go to Innisfree ah to want to figure out my skin type or to want to do facial no if I go to Innisfree I buy item


so I so when I do when I do Innisfree right when I go to Innisfree I literally will research like for me I'll only sure only go for my eyebrows and my mascara so those two are like my only constant products so I already know what colour what shade I want what I want


that's all then I will go to the I'll I'll just pay lah like I will never approach the staff there to like find for things and all that I will not not want to put that upons her, it's too much of stress I don't need it ya


have you ever entered like those uh Royal Sporting House or those like fitness shops, ya ya and okay I feel like maybe it's because I just constantly feel like I'm not in a good enough like maybe that maybe not, I feel like no one approaches me to ask me about like what I want or like


I'm with my mother I'm with my mother, , you know what I mean ya then I I uh but I don't I don't think that's a skin colour thing you know, I feel, I feel is a unfit thing ,


then I'm like I want to get sports bra sis let me live please, and I think we I I I I got this bad in india actually surprisingly like singapore quite okay like singapore if you got a uncle or auntie that's working there they'll be more than willing to help you but in india when I went I went to Nike right they straight up was like [orh] ya this is this price


and then they looked at us up and down and then I was like, customer service is what zero,


and they have a thousand aisles, they you know what they actually uh in Mustafa they actually insulted my mother, [orh] is it your mother our mother ya they


ya the fact that she was short the fact that she was short so the guy actually like there was a temperature taking, you know the device so the previously when my mum's friend entered she actually adjusted the temperature thing for the person's height


the shop person's height okay, then my my when it was my mum's turn the guy literally was like [orh] you're too short go that side, and then when my mum went to the other temperature taking likes the screening thing that guy was like ah [orh] this one not working, then


he said go back so my mum got irritated my mum said I'm not going to take my temperature if you want to take my temperature you bring the thing to me this whole thing I was like dude, so blunt you know then I'm like and, do you think we don't know we are short you know what I mean, then


why work you need money right I don't understand oh my god, I will be employee of the year by doing the bare minimum eh I will be employee of the year


I see you do for back door I'm kidding no lah I think it's, that ah ya ya I think okay like, correct correct I think there was a


rins went to get her my sister went to get her wedding Saree right in india and they actually , you know with your buying or it's like buying a wedding dress you know what I mean you want to get the right wedding dress you know same thing with your saree and then the guy literally like you know how he take out the Saree or not


like can you see my hand movement, ya and the thing is this, no but the thing is that, she no she went with her the thing is that we already tell the guy we are willing to spend like quite a bit


on a wedding Saree, he said [orh] no need no need and then he takes out all the #saree#s from his uh part and then he gives us, and then his #saree#s are all ugly AF lah and then I'm just like dude I want to spend more money I'm not going to just like get any random, Saree and then like after we left


he was like we were leaving right then he said I knew, I think it was Pothy's, or natalie's I don't know I'm not sure which one but after we left like when we were leaving right the guy say the guy told another guy, I knew they were not going to buy anything


and then like when they said that, my sister who was like the most calmest person lah like she's soft spoken among the three of us she's the best, she's the only one who's all the best right she got angry so she went back and she told that guy how can you treat us like that I already told them I'm willing to spend money you don't even bother to take us to the right sarees and then she scolded them and she left the shop I scared sia I


I scared they going to send people to come whack us you don't know man india !alamak!


okay as they should


it's chocolate churros


that's very weird like you mean, it's not smell fear they look at age, age is okay


I when I speak tamil it's fine, , I think your mother speak broken tamil but they scared it's age, when your mother speaks it's the age


clothes I bought a lot of things on shopee that I don't like, that's why I don't buy clothes anymore I think when I started it, when I started right, it was bad like I got to it's it's over it's over okay okay


product review , okay let's go, , ya I think one of the most part I think okay I remember this so well because it was very late at night OCBC bank I called them regarding like uh


I had a problem with my OTP and all that so this was very late at night and I the, person I was talking to was very patient, cause I confused my OTP with another number uh card number or something and I remember he was trying to


like he was like [orh] okay wait this is not the place you're supposed to come to cause it wasn't the OTP in the end I was like okay you know what let me help you out he was very patient he gave me some other person's contact number I were he transferred the call and they didn't like rush me to figure it out


like they were like you know what it's okay you check whether you have whatever you need then you call me back and then we will settle this for you and I I felt that , as someone who gets social anxiety I like don't like to converse with people or talk to people in like the like servers and all that this was actually really sweet of them


ya like they didn't rush me they didn't sound agitated especially it was late the fact that it was late at night ah ya and that really helped so that was my positive experience with customer service


they speak like that


!aiyo! okay okay, , , you must Wayang a bit ah !aiyo!


you also what okay no so it depends on who in Sephora I usually approach the aunties cause the younger ones are quite Rabs like quite mean, so the older ones actually very nice there was once I I was buying foundation for myself I had gone down and


this girl was like I I actually previously asked for Dior brand, then the girl kind of just like looked at me and then she was like [orh] I don't think like like enunciating that I can't afford it and then she moved me to the other side , it's just like you why don't you try Fenty and then I was like, okay then I was a bit irritated lah then


I kinda I couldn't swipe their I couldn't find my shade, ya she so I I wanted to buy the Dior , the Dior foundation ya ya cause, the foundation cause it's very light and I specifically went for Dior and then she kinda pushed me to the side then I was like okay, but it was uh like and uh I don't want to you know Sephora if they serve you then they get like some points or some I don't know ya ya so I I I specifically did not want to be served by her so I walked around you know then this auntie like she looks like she's okay maybe she's not auntie lah maybe her forties


older than me she was like she came and then she was like what what do you need help with, and then I said [orh] I I want to get a foundation, you know and that that uh I want it to be light and I I didn't even and then I was like do you think I should get Dior then she said I can bring you to Dior but I think that Dior is not worth your money uh like the way she said it right was very like polite you know what I mean


she didn't like [orh] you can't afford it you know she's like as a student she cause she know she saw that I was I was carrying my laptop and all that then she was like okay ya uh this uh Dior is not worth your money maybe you should try Fenty, then she brought me to the Fenty aisle and then she was like doing the swatch for me and all that, and then


ya and then I was like okay and then like when she swatched on me like you know I for me I get very stressed when I see products there, then you swatch for me then I don't know how to make the decision like so she actually told me you put it on your your face, you make a round you walk around then you come back again if yous like which undertone you like better you buy


I've never had someone tell me that even previously like when I buy like , concealer or even uh urban K uh Kat von D right like the woman tested on me there and then like I couldn't see like it oxidising or anything you know what I mean ya so this was like quite cool because like I uh quite not cool but quite it was a unique experience because she was actually telling me that this is going to oxidise


and like when I went home I researched right the Fenty beauty does oxidise and like it was it was necessary for me to go and see it, after a few like minutes, it was at Jurong east actually ya, ya ya there's that one auntie


ya and she uh ya, we have another one to talk about bad incidents we will go back there later , it was a , she's very very polite very nice and like


like uh I've, ya ya ya that also like they don't she doesn't force you you know what I mean ya and then like when I asked her like uh I wanted to get the translucent, powder right and then I was asking all of them uh I asked


and then they were like [orh] uh wait ah hold on and then like no one came to serve me that kind of thing you know what I mean, [orh] what do you want me to do what do you want me to do , but there are students there there are students shopping there like I once I enter sephora with no makeup I already know I'm not going to get good service


borderline like I have to wear like heavy makeup to get good services some bullshit right there


auntie just flex on them


who got time to go Cari DFS , okay okay okay okay okay


or consumer electronic and gadgets


ya, his birthday correct correct


so sweet !aiyo!


honestly I've always had pleasant experiences when it comes to food and beverage I think like it's always been like, with uh F&B uh, uh, uh people working in F&B industry we just have to be nice to them, then they will be nice to you you know what I mean so I've had people by like they are they seemed like they really hate their job and then when I go and talk to them and as long as I'm polite right they are more than willing to assist me in whatever that I need to do


or whatever that I need assistance with ya, uh but consumer electronics and gadgets I had amazing experience with my headphones, with my headphones uh my, my or not headphones lah bluetooth earpiece


Sudio Sudio Sudio, ya, okay well I have a Sudio uh it was really good experience because the company is based overseas right then, I wanted to


send it back for , how is that to send it back to repair, and all that and then like , what they were very patient with right was because I had given up with the troubleshoot, the troubleshooting method , they had actually provided me alternatives


even more alternatives before I sent my package to the country because it's it's going to cost us money to pay to send the item to fix, so like the guy was patient in the sense that he was like, he when he responded to me right he was like okay you try this already K try this if this time really cannot work then try this one also you know and in reality the other two alternatives work lah so I I saved money


uh, uh save money instead of spending the money to send my electronic item overseas I saved a lot of money fixing it on my own troubleshooting you know what I mean I thought like, eh eh if they were they could like simply just say uh ya ya send it over send it over and then take my money to fix it and then like you know re tidied and then like you know ya but he was like you know what I think troubleshooting will work so that was like I think their patience I I really appreciated it lah ya


then what other services [orh] my gym membership, yes that is that is that was a it was a positive experience lah I think when I started off I was, I'm with Anytime Fitness ah, uh Anytime Fitness was honestly really


it was, okay when I started there I was quite noob lah honestly, I joined because of a trainer a previous trainer of mine then as I got to work out right like, the the people working there at the gym


they you know uh sometimes you're very intimidated by people who are very fit cause you are like, Sapa but they, they sometimes they will just come and help me like for free they don't have to do it like if I'm if I'm like if they see that like let's say I'm doing a squat and it's not like up to standard or like I'm screwing up somewhere right they will like come and they will help me out


let, ya ya you know and I don't really and okay there was once I was actually very uncomfortable at the gym because there were like, creepy people there and they deliberately like, like they kind of move the customers who're being creepy, and like they


there were creepy people at the gym, like these two guys that were being quite creepy lah honestly middle aged guys and then, it was quite late because I after work I went to gym right and then like I was visibly uncomfortable I was moving myself away from them and then the the gym one of the gym uh the owners the staff Shafiqah she was okay shouldn't say the name but ya she kind of like saw that I was being uncomfortable and then she kind of


like like moved, your mother move them away like cause they were already finished working out you know what I mean so they were just like standing there to be creepy why why why what do you want to know what, I'm talking to your daughter and okay mum hang on


Ma, I'm in a interview , I am so sorry later later uh , ya and like she kind of like move them aside you know but I think like it is it was it did it did help that those people were actually apparently being creepy for quite a prolonged period of time no it was not only to me


like period like there had been reports on like of them being creepy to other people so she really stepped up lah which was honestly, no no no so the the one near your house is a bit more family oriented I feel but this one was like , near uh my work place where was it Hougang it was at Hougang ah Hougang there ya Hougang and it's very small


but like they really make you feel like you know you you you are not you are not noob you know what I mean ya so that was a very like I I mean honestly that really helped me to motivate myself to gym lah because like if I felt scared at a place I was going to attempt to workout at I wouldn't go


no expiry ah !wah!, rent so have to !aiyo!


no money sister I got no money to go spa , okay okay you sponsor ah, !wah! okay


okay lah thank you, Atas excuse you, okay lah uh that that one next level lah I can be Atas if I want


good service and ambience affordable as well uh is that a go go go ya, okay okay okay lah , that's why I get credit card lah I get Amex lah


uh I can talk about my hair, like dyeing my hair , at, okay now it looks quite bad lah but eh cause I wash, let me live okay anyway uh


uh, uh at the place that I went to this place called hot salon it's actually it's really really really nice they looked at my hair and they told me that we don't we we'll try our best not to damage your hair so like I've never gone to a salon where they considered the fact that they're going to damage my hair like okay we try not to do that


and then like I think besides that like they tried to work with my hair, you know in terms of giving me so like I show the picture and they told me very realistically this one cannot because your hair is not you have dyed your hair previously you have bleached it previously you know so that working with your hair was actually amazing service for me


yup okay we're done !woohoo!, no lah but now it's okay it's just that I I I air dried it just now so okay never mind, , okay so do we stop


ya I save I try okay so I get pocket allowance of five hundred dollars every month, so I try to save as much as I can but sometimes you know like we go out a lot you know we meet friends and then like, you know something happened so it's it's all like sometimes it's really not planned like maybe going drinking and stuff so then ya five hundred dollars blows off but I try to save at least like maybe hundred dollars


but have you ever like have you ever like try to pay yourself like for university, like you know maybe like one month or two month


actually like even I was like looking you know like I was looking for , a part time jobs apparently like I've seen some people do maybe like work two or three days a week and you can get like maybe one thousand five hundred , but the problem is that now the COVID is really affecting the job markets it's very hard to get so if I try I I applied for even the


basic job like maybe like waiter or something like that like, but it's very hard because especially they want so many like you know qualifications not not for per se but you know they they want experience, experience is also another uh ya, so it's very hard these days but I guess for now the only thing I have is savings but ya I never thought about the


future though like maybe like you know after one year or though have you ever thought about the future


one financial advice is no matter what like you know how much ever you spend at least keep, hundred dollars of aside just in case for the future, no matter what like no matter how broke, ya ya every month, because if it if you think about it right it's just hundred dollars per month but if you do it like you know you probably start from you like like eighteen


it's like now you're like twenty five twenty three sorry so like five six years is like more than three four thousand so that's that's a lot


I mean I tried but then I can't do that being because like firstly I don't have that you know but because in investments the biggest thing is holding power, like if you if you don't holding power you're basically gone, so I feel like if you want to gain big I think uh you need also invest like sort of big but you need to know where you want to apply it to as well you can't just simple like you know put it in like random places and then just go off


actually for me, for me as for my it's it's my dad so what he did was he he used to do stocks ever since when I was, probably like secondary school


like maybe ten years ya it's always been almost been ten years ten twelve of years so ya he knows he always like you know whenever I come home and maybe like sitting in front of the computer he didn't tell us you know like all the news and interesting stuff that goes on so the the sort of got me interested in like you know how how everything is interlinked like how like actual information from the public


or like anything that is material info can actually change, the whole economy itself so it's kind of like you know the whole link was very interesting, but ya have you ever tried it


for investing if you want to start right , okay depends on how much money you want how much money do you think you want to put in and like


okay see like it depends on uh what exactly is your outcome like what do you want from it so if you, thinking okay so that I believe have, I got like what from my knowledge and there are two types of investors one is like a day investor and one is a long term investor, so day investor is a person who just goes in during the day like when the stock market is active and throwing the money and then if he'll try to get whatever he can and get out


but then investment is like you put you know the stock in and out and you put it in the stock and then goes, for years like so but in that case we're basically we all know like you know like economy all this goes up and locked down, so ya that's that's also I think but


if you have like five hundred two thousand dollars I would say uh maybe put it in a start up company but the problem is the risk is very high