ya but the you see ah you see whether the problem with insurance ah you only need it, you only you only uh what you buy when you don't need it, if you need it you go and buy nobody want you you know if you already got existing illnesses and all that if you go to the insurance none of the insurance want to insure you but if they insure you they put the high loading so you have to pay a lot so you must get insured when you are healthy young and especially young when you got no money then you need to buy insurance


okay but for me is that I rather be prepared because the thing is that when I take out the health insurance right what happen was uh I take out with my husband me and my two my two kids nobody want to uh plan to fall sick so what happen is that


within four of us me and my daughter will never get admitted we never get sick and seek hospital uh that kind of thing so is thank god so the only one is actually my husband very surprisingly it he is actually is a very healthy person, but he keep on going to hospital and in fact he need to go for surgery next week end of the end of the month


and then Maha my son last year I think he was admitted to the hospital so many times because of some medical problem so the cash benefit that we had for that particular hospitalisation right is enough to cover our expenses when we were overseas last year


it's not like it's not like we are taking advantage of the situation it just that it also give you, that kind of insurance that , give you that kind of insurance that you are assured sorry assurance, that you no need to worry about this you know that it I I don't need to come up suddenly the money to pay for it and then I need to put a deposit and stuff like that so it can't beat you like you know


when when when he was hospitalised I do know one thing is that the hospital bills going to be taken care of I don't care he's going to be admitted for two days three days five days what I want is actually the end of the day I know that he's, going to get well I'm not going to worry about the financial part, so that and and the thing is that like what you like what I mentioned again


you don't know when you going to fall sick you don't know when you got to be seek help just give you an example my uh my boss my current manager what happened is that the husband he's a school teacher okay so one of the curriculum that he taught is actually PE he was very healthy and all that, suddenly he just got a heart attack he collapse okay went to uh sorry he didn't collapsed he collapsed a bit then after that he wake up


went to the A&E uh changi hospital and find there's a three or places uh right like two of these are two out of three of the arteries blocked, so they did extending okay so clear the blocks and everything they put the artificial uh devices and all that then after that she resting at home for one or two weeks that we think one or two weeks right he collapsed he collapsed then after that


he went to the ICU, for a couple of days so that start worry uh my manager we talk about uh, uh what his hospitalisation bill insurance coverage and all that, and then uh we also talk about the long term because the thing is that he is actually in a vegetative state that he need a


he need a a follow up uh kind of a treatment which actually in a nursing home and all that so that is all all we talking about six figure you know amount of money so it's it kind of put a strain on the financial burden and it's something that you never never expect because this is something some that is he's the healthy person he teach PE you know that kind of thing very


fit forty plus in his prime and all that and then but I don't know whether is it good thing or bad thing ah but he passed away after that, that within one or two weeks so it's actually is quite a blow is just like eh he's very young no medical problem no medical history everything was good his bill and all that and he's play sports like we talking about soccer every weekend that kind of thing


so life can be so unpredictable that's why that I find that having a protection actually it makes more sense


okay, negative three part three negative experience okay, okay Wildah I think I need to ask these uh about favourite bubble tea because the thing is that I never drink bubble tea in my entire life


when when when when okay, you know because the thing is that when I bought it for my son you know the order must be very specific what ingredients how many what pearl you know and then uh how many


percent of sugar and then you know stuff like that I find that it's very crazy, oh ya I mean it's nice to custom to one person ah you know lucky and all that but I cannot imagine if I were to queue in line and then in front of me let's say for example one person buying for twenty person drink or ten person drink


that each person got different different kind specification so I find that is crazy lah but but then you know you your waiting time will be extended and all that so


ya those like hard fan,


do you have any recent negative product review do you have any recent negative product review anything, on what what product


oh Starhub , I know I love their advertisement about the whatever lah it sounds so very catchy and all that ya


of course


I think many but Wildah I think many companies move their their their their what call centre especially you know sorry to say lah especially uh country like philippines india they are quite common actually


we want fast fast fast impatient


so what happen yup


what is a lot ya


okay, no because the thing is that when you pay late you will have the late payment charges right


other bills


no they don't uh Wildah I noticed even all telco even credit cards right you cannot call for someone on behalf, no they they don't want they don't want because the thing is that apparently when I I ask them why is it so troublesome they say that they need to lock the call for their service so let's say for example right I'm using my husband phone to call regarding about my phone is not allowed


, okay


that means she's very rigid that mean she die die she still want that particular ID this normally we don't we don't bother actually because if not we've got too many ID already from different different providers


yes, correct


, !wah! she's so confident,


he won't know correct


correct yup they won't see


!aiyo! how to remember


oh my god clearly the conversation, ya but but the thing is that Wildah for me personally right I don't have much bad experience because the thing is that I wouldn't want to be in a situation that, that it become very lengthy let's say for example I only have this couple of minutes to solve and then because if I were you during that particular conversation I make sure that I get her name


I put down the phone and I will call again the customer service because the thing is that they have this kind of rotation like quite a number of customer service and I make sure that you know that particular person that I need to speak to I say I will tell them directly look don't waste my time I need to be fast please do this this this, so I'm kind of a very direct


so so far I don't have much bad experience one bad experience that I have recently was few months ago but I don't call it bad experience because the thing is that, I was very upfront okay I'll okay the thing is that I need to go to this particular hospital okay in order to go to the hospital I need to change my pass they need providing my personal details and all that so when I uh doing this particular transaction I find that the security guard is a bit rude to me


you know he raised his voice and all that I were like no apparent reason so I tell him back, tell him then and then I said I said very softly and slowly I say there is no need for you to be rude to me, then he was taken aback I say no I'm not rude to you I said you are raising your voice I asked again my voice is very low I said you are raising your voice and I don't think it's appropriate for you to speak to me this way


then he's start being defensive but I insist saying and repeat what I said just now so at the last he apologised and I find and that's it I don't want to drag the matter because I find that is not beneficial for I don't want it to be spoilt my day I don't want to spoil his day but I make it a point because sometimes I find that


people don't know that they are being irritating they are they're nuisance they are making things difficult so I just like to pull off him stop there and then, ya but but that is something and uh the thing is that like I mentioned previously about my Khiel's that I don't have a pleasant experience about the product and I find that the person at least they they they are they back off and then they say that okay understand is you got maybe you like to try some other thing so sometimes I find that


you know when we are sharing about our unhappiness let's say for example you have to queue so long for a for a certain product a certain services then after that you will telling uh when you're uncomfortable you telling people that you are wasting my time you know I waste so much I supposed to di di di di sometimes all these people they don't want to hear your story


they don't want to hear about your life you know that kind of thing so for me is that I if I I were to go certain places I say that look ah my time is very limited don't waste my time I want this this this and that's it so, lucky in that sense lah but I find that it's a bit abrupt also don't you think so


, uh recently no like we don't really uh go out much and all that so ya but but Wildah how about you you said that you don't use any skincare products and all that is it based on preference or because of your bad experience if you have any is


okay what is it unless I interrupt your overboard, yes


no Wildah they don't they don't anymore what happens is that my uh, my daughter birthday it's just like uh two weeks or three weeks ago so what happened is like normally we'll be go swensen right cause there is her favourite place right they will give you a a birthday kind of a ice cream and they will sing you know that kind of thing but they don't anymore ya I know


I know but they say they don't they don't do that anymore because it's COVID so it kind of the disappointment actually, that's not fair when when you are there when you are there


birthday celebration


okay, oh not enough


!aiyo! so troublesome and then your daughter is crutches some more


oh my


ya and somemore is not cheap


very unfortunate ah but I hope the two cakes the two size of cakes helped


part two positive experience, okay Wildah do you want to start can you describe a moment where you have positive experience that you want to share with me that you think is a good to recommend us


oh me too


which which travel agency is that


ya because four in four in a room right the court ah, yes


are are you still referring to the same agency this <P2>nor mohammad</P2> oh


oh so you pay lesser


I mean it sound like a apartment ah Wilda rather than a hotel room


what's the name of the travel what's the name of the travel agency what sorry again what, oh no no


understand, me okay traveling for me uh I don't think will be relevant in terms of here because the thing is that I like to travel free and easy because the thing is that I don't like to be rush through uh itineraries and all that and then uh like like the the last two trips that I did


last year the one that I went to London and Paris with my kids so what happened is that I did uh my ex uh my colleague, went to Paris and London also she went her she do her own itinerary so what happened is that I copy her itinerary and then after I discuss my husband where are the key places that you want to go and all that so we DIY a lot of things even


even for the short trips uh after that I went for a short trip Langkawi just before the sars uh lock down I think I I'm the last few lucky one who needs to get travel this year so okay that one also we we did the same thing so I'm kind of person that I'm brought up to uh I don't mind like doing my own itinerary find out and all that


because I don't think , I would like to use a tour because the thing is that they will rushing you and all that and then and yet I don't get any , do so I don't have much pleasant uh experience uh with uh this kind of industry


no that that's why that's why no that's why Nana that uh no not Nana sorry Wilda that's why I was saying that when you do your own itinerary right you are flexible, like you already know what are the things that you wanted to do and some more on that day let's say for example I don't think I want to feel I want to go this place I want to go the other place then we just swap the day on itinerary and the thing is that I do care why also because I got children


because uh the thing is that they can spoil the whole mood our holiday or bring joy they say oh no I don't want I want you know this kind of thing so I find that that's why I don't want to deal with travel agency because travel agency, you have to wake up certain time you have to be you know reporting downstairs for breakfast what time take the bus that kind of thing so for my travels normally I like to DIY and then uh if impossible for the place I would rental my own car


okay uh we drive uh like I went to australia previously also I drive, and then uh in malaysia also that one the one that I just come back also I drive myself so I find that there were a lot of flexibility that you know you can you can do rather than and I don't think with travel agency they can accommodate certain things you know let's say for example you are driving a certain certain roadside and then you find that eh there's something nice that can we stop here


you know if you your yourself individually you drive you can stop but travel agency they was like they have to take account into other people kind of opinion whether you know, can we when we have time we are not ahead of schedule and stuff like that okay so, okay so since I got not much talking about that do you do you think if you want to describe some other things okay how about nice dining experience


we got for proper


, not really because I think at this particular moment we try to limit our uh you know get outside and all that so uh ya so correct


uh so far I have not be contacted them for years because I don't need their extra service and all that but I just find that uh there will be a normally they will be a agent insurance agent will lost touch you after they you already acquire their their service so that is not something positive


okay okay something positive that I I just had recently I think is with the Kiehl's uh uh what you call this selling all the moisturiser and all that I find that uh they're really listen to your needs let's say for example when I went there I told them my skin conditions such as such then they they let me try give me a lot of samples


and then uh and surprisingly like uh I got vouchers on top of it and then got birthday they give me discount and all that I find that they are giving a very good service another thing is that they don't discriminate and then when I told them that eh I cannot use one of your product because


it kind of give me rashes and got got rashes to skin they are not very like uh eh no lah my product is so good it's so superior maybe you know you didn't take care of your skin probably no no they didn't they understand and they didn't push, so what I like about the Kiehl's services for me is that their products good one thing they don't have odour much odour and the thing is that when you are saying something bad about their product because it does not really bad I mean something that you say that it doesn't


uh how to say suit your skin they they didn't rebut back you know because sometimes when you you are in this kind of line right when people tell you that your product is no good de de de they start to saying no our product are superior in this this this they are not, so I find that my experience with them is actually is very uh pleasant


no you are getting older so you must take care of your skin by then you like it or not because the thing is that for you maybe maybe your skin condition you know better but for me is that I got a very like excessive either excessive dry my skin


or I got sometimes oily earlier at a certain parts and that you know that we need some kind of oil so that our skin we don't have wrinkles so much, so ya that's the thing [loh]


, yes Samsung yes


WhatsApp yup


oh the Samsung tab is it


ah


okay for me I use both before because my company phone was that time was an iphone and then my personal phone was samsung so I use both but and then if you are talking about device like let's say for some


iPad or Samsung tab right I use both also and I find that err, uh I like both system, but maybe because I'm so used to it like like like even for now I'm using iPad I I like it a lot and then my phone I'm using Samsung so I'm your I'm like like Android user and uh iPhone but the thing is that they keep on having


a very new uh model every year and all that so sometimes I don't understand the hype you know why because the thing is that I think for people like us who doesn't really use so much of the gadgets or different uh latest apps or whatever is not very important for us to keep on changing the new model


!wah! iPhone family


but how you find their have you called ever call them for service let's say for example in repair and all that how was it, oh okay


I don't think they're local right ah


okay okay ya I think it's just a matter of preference okay


ya I think it's more about individual and all that but it is serving your needs and all that so ya, so so your phone right now which uh you are using which from which provider service provider


okay mine is M1 actually so how's their service so far in Starhub, no comment , okay my M1 I find


I find that M1 quite good it managed to solve my problem and all that and then they when they say that they give you a call to let's say for example they cannot solve your problem right they say I will call you back okay by when they when they do that so I find that uh ya they do value your customers ah


feedback and all that ya so far I that's my good experience with them that's why I think maybe I've been with them like almost twenty years, the same service provider ya


personal finance hi my name is Siti, and uh I'm, going to talk about uh personal finance


so, Ayla how old are you, okay , err I guess for in terms of personal finance


do you have any things that you want to start off with, or would you like me to choose something, okay okay ah I'm going to ask uh question number three how do you spend your money and err what expenditure is justified and what have you been spending too much on Ayla please proceed


I've been spending a lot of money on groceries uh because now that uh because of COVID ah I have, to work from home, err so I have to figure out, err, cooking of course is the best option rather than going out every day to buy food uh so


it started out from, from then and uh I started cook cooking more and then now I'm spending a lot more money on groceries as compared to, when I was working in the office I I just eat out, every day you know ah so but butler at least now I learn how to cook better so I I think it's more justifiable and I get to uh cook health healthy meals and and I also get to have a bit more savings because err eating out is more expensive


than, doing the cooking my own meals, ya so that's why, and, you want to change topic


uh usually I'll try and uh set aside when I get my pay I will try and set aside maybe thirty percent for savings ah but it's very hard to actually stick to it so at the end of the month sometimes is only ten percent savings


and then, expenses can be about seventy percent and then usually about ten percent is is my insurance because I buy, uh I buy a few err investment insurance for for long term savings for retirement err and some


I think also for health insurance plan so that takes about ten percent which my adviser told me is a, err, it's a good amount to set aside of your salary lah for for insurance, , how about you are you do you have insurance


, that's that's that's a good plan lucky you can save fifty percent of your expand of your income


ya take you can take your times it's only when you start earning your your, real real money then you can plan better ya ya okay so,


okay alright, okay do you think okay question number nine do you think one should own a credit card


I've heard about the when I first as when I was young also I've heard heard about the horrors of of credit card uh, accumulation debt accumulation so it took me a while to decide, to own one until I was sure that


I'm going to able to to manage my err payment every uh successfully every month because uh like you I I do not want to err, do not want to accumulate too much interest because I think that's the one that causes a lot of uh trouble later on err for for for me for me lah


especially so, uh I try to manage my expenses if err I feel that I cannot is too let's say the item is too expensive and uh the of course the, uh


the the temptation is there to okay err it's okay I like to spread out the payment, uh and, you know and like let the cumulous interest accumulate and that's about twenty four percent per year but actually it can be quite a lot if you


if you total up everything, so I decided that okay if it's too expensive then maybe, we shouldn't shouldn't put to credit card you know maybe we buy another time, or uh best is good for those credit card uh zero zero zero percent free uh interest free like


and when I buy uh big items uh like every six months free free interest or twelve month free interest ah so there are there are such uh items like uh furniture electrical appliances


the then uh, other than that I use my credit card, also to collect my, my miles ya so I I have uh my favourite Amex Krisflyer card which I used to collect points which I convert to which convert to miles and then which I can use to offset my plane tickets my plane ticket costs so


but right now eh now it's a bit hard to get any paid ticket because of the situation right so I just let it accumulate, ya, ya you have a lot to play around yet you that went when next time when you can get a credit card right you


you you, ya that's that's one and there's also like uh there's a few other miles miles card like I think there's a UOB miles card all all linked to, to uh SQ Singapore Airlines that you can also look and pay lah with and check what are the best uh deals for you


uh I think the minimum is income should be two thousand five hundred err or thirty thousand a year plus bonuses I suppose thirty thousand dollars a year annual income


ya so like, when you apply you you need to submit in your income documents like three months income documents ya it's it's everything is online ya, so they can ya ya that's easy ya


dude , good luck, , okay then you choose you want to choose the next topic


uh saving okay I, I have the habit of saving, and I, uh I buy, how do I I think we mentioned earlier that I have a goal of saving thirty percent but I sometimes fall short


I save ten percent okay because uh is is easy to, err I think it's also because of uh, err not being able not being disciplined enough to to shop lesser, okay so


I I do save but uh some months I can't save, but I I I'll make it a point to save is very important to have a bit of savings is at at least like people say right


to have at least six months of savings at least ah but to me it it it really is more important to have, more than six months of saving, you know ya, ya because you know you need


you need to let's say there's emergency expenses or or emergency expenses is different savings uh your own personal savings is different your, or your fixed fixed save deposit savings is also something that you cannot touch on for a few years


uh ya I saving is is very critical eh how about you do you I know you just now you mentioned right


okay you like ha


eighty dollars eighty dollars for your food, oh okay for a whole month oh ah ha, oh okay ya !wow! that's that's a, that's a very good amount eighty dollars


uh your is chicken rice is your favourite food, oh oh okay okay


once okay okay, then okay that's not to bad once or twice so you don't spend you don't Grab to work every everyday or grab to school every day you know because that's at least ten twenty dollars right


okay next topic should uh should I choose let let me uh okay alright


uh okay, what now question number, question number four should I DIY or get a financial adviser to plan my finances, what do you think


you mentioned, you mentioned that your mum bought insurance for you uh that is from an advisor too right, , uh


oh okay okay uh okay, ya ya that normally is the case


oh is is this err they have the same, ah it's the same name actually when they actually flight they actually my uh these advisers they they can also help to manage your finances so they can advise to you, uh what are the plans that you should take for your retirement so it's a what kind of savings bank you can take or how do you what kind of investment you can make using your CPF


uh , then the ah you you can ask your, mum more information about ah about her ya can you can talk to your mother's friend, ya the financial advice once you start having earning your own money, you know because it's it's always good to start earlier than


and then you know you can budget your your expenses really like oh okay this is a this amount I cannot touch is it goes, for my retirement we don't don't wait until you are like err ten years later then you start, you know, uh it is good to start early for to


start planning for for retirement, never too late I I started late when I started I was I started when I was twenty six I I should have started earlier like be the moment I start working, ya


ya but okay at least is still not too late you know, ya, I I started I started because uh one of my friends, uh one of a good friends went into financial adviser so, from her you know we want to support our friends right with their first job ya so she started selling insurance and then uh the okay I want to support her so that when I started buying a bit


you know and then after that she she uh quit quit her job so my things was was left unattended or managed by someone else that I didn't know, and then err after that then I uh got someone else to


manage it you know ya, so maybe you might also have friends who, so who'll introduced some plans to you ya ya is is is the good is is is okay to support them but you had to do your research as well


ya ya ya ya


negative product, review okay, hi Ayla so let's yeah just we talking about positive now we talk about negative uh experiences okay so let's see what


or do you want to talk about dining or okay okay


ya oh Hanssik there's also one at JCube right Hanssik yeah ah


squid uh, , !wow! so big


(uh huh) (uh huh) (uh huh)


it's hard to digest is hard to chew properly lah, ya lah, (mmhmm), oh no


(uh huh) (uh huh), then what were you doing how do you slam the table and then and then the the waiter, (uh huh)


oh my !wow! heimlich on you,


thank god she knows how to do, (uh huh), (uh huh), oh no, they didn't


they didn't ask you, oh, you know I mean they they could have at least come up to you and cause usually everybody saw you had doing the heimlich and then it's not a it is a is a is a horrible thing to happen


, ya ya


ah yeah it's it's quite the nice décor to oh okay to that mean, maybe they think that they don't know they maybe they cannot recognize this uh heimlich, they don't know what to do probably ya but they should


they should they should, uh they at least ask you la you know have the manager come


or I I I know I have a very bad experience with uh calamari as well so that's why I I need to also I I think we haven't but my my mine this happen in a restaurant, I choked on it


totally !wah! okay okay that's that's good also, , , no more squid ah ah okay no more #sambal sotong# lah if you eat your #nasi lemak# no #sambal sotong#


oh , yeah ya you have to get over the fear it will be there for awhile lah yeah, sadly


so the heimlich really really works ah it it what what do you feel when it wait it was done on you


!fuh! !wah!, there was or you could have choke on it and, ya you could have died ya ya, that was that was really scary !huh! !wow! so okay


ha my mind as mine I think it, compared to yours mine is a not so bad dining experience because as compared to yours err from my dining experience at ya in I was at,


ah what was the restaurant's name, , Jai Jai Siam or #jai thai# so it was at #paya lebar# square so the restaurant is quite it was a Thai restaurant I I used to frequent the one in, marine parade so they have very good service there know uh open spacing and all that uh but this one ah I went to #paya lebar# square


so you know you know sometimes restaurants are at like they have L shape right, so if you are at the other end of the L then nobody is there no waitress no waiters to to attend to you they once they serve the food then after that they disappear then you like you always have to go to the front


to the counter and and get that flag their interest or so this err this time I was dining there so we're at the end of the L shape so uh when we were eating there and then err, we they serve the food then after that we wanted er let's say they forget to give fork and spoon so we have to wait there and then after that I mean I think they should know lah like you have to set the table first lah


because I believe that some people are really some waitresses maybe they are just very busy or forget so never mind so after they forget to give the fork and spoon so we had had to go walk to the front counter ask for fork and spoon


and then after that and the food food wise the one, err the one the other outlet has very good food uh we ordered like uh or ice, I ordered I ordered squid the grilled squid is very nice there but they they cut it very small they ya then this one over here like uh the portions are like getting they eh they have very small portions okay and then err but the things is not so nice


or but maybe different like you say different outlet properly different cooks, the SOP also different for a bit so I don't really like the the way the the food tasting the food taste there and then the the waiter and the the waitress was after they serve the food they disappear don't know go where then then after that they no smile they clear the table whatever then like with a grumpy face and then uh


you maybe they want us to leave for leave early so they have that given that that kind of bad service, I don't know, so instead of, !wah! hanging around there and err getting maybe a cup of uh some desserts or what I was telling my friends uh let's just


get out of here I mean if, find desert elsewhere this this restaurant doesn't seem keen on on err making us around making us stay longer you know so that is for the there's a bad of to me that is a bad


uh service from a restaurant ah, yeah, that so far that's all that's what I remember, this year yeah okay let's let's look at let's


how about okay want talk about number number ten or number eight, negative experience you have a customer service I I I have something to add about this because I have a really I have a really bad experience okay


no no not Singtel though this one is uh POSB bank, ya so, yeah POSB bank ah so there was an issue I was helping my dad he he has a problem with err


uh internet internet log in so for POSB bank you when you do a when you apply for internet banking you have to your SingPass and your internet line must be tied up or something so he didn't set up one of it as in he set one then err he set up


what he set it up on the POSB website but, the SingPass website it doesn't sync so the SingPass is showing one err another password or another ID and then the internet POSB one is showing another thing so had to call and it it's passing passing cannot do anything must call POSB bank so I called POSB bank lah for it to do a for it to do a reset


so that you can capture the latest uh log in so I called POSB bank and then you know POSB of course they have a security protocol they have to, uh, ask my the the the the the caller the caller has to be has to verify it right so so I told


I told the lady okay can err I've to her I call her and say hello I my dad has this problems is it okay can I speak to uh your dad please so I to my dad you know then my dad then she uh she uh she asked my dad some, questions like sir do you know what are you


what you are ask what ya this call is about, so my dad knows what's this call is about is just he has a trouble he he doesn't understand he doesn't understand the english you know and then after that the girl and the girl after that got got agitated then she start shout she started raising her voice in all over the phone


you know then because my dad answered the wrong question answered like err sir uh what was the question she uh err sir do you have oh verification question right do you have uh how many bank accounts do you have with us, so apparently my father said that uh or err I have only one but actually he has a few because he cannot remember how many bank accounts he has so he said oh ah no I have one one then she repeat the question repeat repeat then after that she obviously cannot proceed because is a wrong answer


so she got agitated she got agitated and then ya she couldn't then after that I told I told my dad uh dad uh, cannot say one you have to say three then you know what she said to me you cannot uh please do not prompt prompt mister yusuf for the answer ha if I don't prompt then uh how is he going to get through the security question right you know so because he doesn't understand


then because she wants to make sure that I'm not like err is like not not not asking him to make a bad decision lah but I think the protocol there something something is not right ah, so after I told her if uh okay I am just prompting him the right one because he doesn't remember


right how many bank accounts he has you know he has a few with the wives the kids and all that then I cannot also tell him to change security question because normally we can we can tell like uh can you change the security question can you change another question he doesn't know how to to answer that you see


so so he we were stuck at a security question and then she was so, she got agitated and then I was I was getting agitated also and also after that we had like a we had like a screaming match ah, uh uh on the on the then


there she she there is why why why you miss trying to make this difficult I mean, I am just trying to help my father, there's no agenda here you know you you I cannot I cannot prompt him the an answer and then you you cannot give another question and then


he I told I already preempted you that his command of english is not so good or do you have someone else who can who can speak malay you can send someone who can speak malay over the phone then he can question him then she say she doesn't have, okay she doesn't have and then okay if you don't have then at least you have to have more patients and when you talk to elderly citizen who doesn't


really understand english you know so so I was I couldn't, you know some point of time whereby is supposed incessant whereby you get so angry with someone and then you just I just hang up the phone I had to hang up the phone to to gain composure and then I told I told my father ah okay we I think we have go down to the branch and settle


this so uh, I I never this is the first time I had such a bad service over the phone with anyone yeah I'll with a bad ya, the bank or whatever yeah some more is a POSB bank right yeah really bad !fuh! while I talked about it also makes me feel a bit agitated yeah so ya she didn't rectify the problem she was rude and then or maybe she has maybe she has a bad day


whatever, but of course I wrote a feedback lah I had to write I wrote of feedback uh because I know I was uh not very forgiving about it too bad, ya


yeah yeah, but you don't regularly really encounter this is very rare so this is why I remember it so well, it's really that bad yeah, yeah that's yeah your squid incident is is top of the line lah


(mmhmm) yeah, so slow


ya, that was really bad from Grab I ya did


(ppl), (ppl), okay yeah if sometimes you have to let them know so they can make improvements


positive product review, okay , alright let's see described uh okay question number one describe a moment when you have a positive experience with customers service


product or service okay I I will start on this I start first okay , , , there was one time what did I buy ah ah okay


I had I I was on a was trying to, book a hotel making a hotel booking on, booking dot com, so it was the first time I use that portal because usually I will use Agoda and


I I heard that oh booking dot com is also not bad so and, I, then we were planning our first trip to europe and ah my cousin was ah eh book to booking dot com is a better platform and they have better customer service uh because they are more well known in the


they handle more err, international europe markets so I was like okay okay let's try booking dot com so I made a booking and then I I I key in the wrong date okay so and of course I I I flipped out because


uh uh I I, I wanted to get a refund and then I'm thinking how do I proceed with this I didn't know whether they will want to honour it so I went back I there's a number to call


and then I called, and then they the lady on the other side was so nice she she she refunded me and no questions asked err she refunded me everything to to the credit card ah on on the same day you know so there's no waiting time and she made me she


she make me feel like it is like err you know it was a few like I think it's about a thousand one over or two thousand dollar, err booking and, I was so afraid that they, they will they will not they will not uh refund me and because the because of it's a non they they put it non uh non-refundable you see because uh hotel booking there is a free cancellation and non-refundable


right so, I was afraid they wouldn't me at all and then she was so nice, she made every she did all the she reverse everything and then, uh made me feel like so that's why how I began to trust booking, dot com


because of this lady her the way she handles, uh my call my, my problem my issue and then she ya because because because it's is a non-refundable thing right you don't know whether you'll get your money back some


portal might not might say that oh this is non-refundable you cannot get anything, uh so I, ya so then she she very nice lah then ya so from that on I I was I started to trust uh booking dot com


and uh I've always book with them ya booking the com ya because of, how she dealt with me, ya how about yourself


oh okay okay


ya wouldn't you did tell me more about the your experience like uh what what what's the name of the restaurant something like, uh and I like that place too I I love the pasta ya is the handmade fresh handmade pasta it is is quite new ya it's very new to the halal market scene


(mmhmm)


!wah! yes six missed calls he really must want to get in touch with you


oh okay ya ya, ya this is really good some what did I eat the last time I had something with mushroom and truffle the king oyster mushroom and truffle you should try that is a cream sauce with ya and then you can top in some some truffle oil black truffle and and


oyster mushrooms and then you can choose a the different part type of pastas you can choose with it, uh it's freshly made there, ya, it is really good and the portion is very big so ya it's very big portion oh your part, I think ya


ah we get to know, and ya the place the place is very crowded every every dinner time and then there's always a queue outside it because the prices are reasonable and the food quality is good for I'm not surprised


I uh see I for myself, okay , nice dining experience okay


recently I went into uh I went into err I, ya there's an italian restaurant uh halal italian restaurant at at Bali lane is called uh Squisito so ya Squisito so


ya I don't know, when it opened it seems like wherever it it looks very it's looks fairly new , but I went there of course with with not much expectations because I had this err Eatigo err reservation


so and then you know eatigo is like you put a certain time slot you got you have a discount right, an offer so sometimes is a sometimes you get an a a good meal sometimes because it's an offer or what you, but this is not that is not that good lah because okay I don't know what's what's the reason so


and we went there and then, I did have uh half the expectations, but we knew that uh their the pizza is good okay so we we try we ordered a a just a basic Margarita pizza because to me Margarita pizza


is the it sets the tone for all the other pizza because the is the is the simplest form of pizza right it's just fresh mozzarella cheese with some basil and then we had that and I ordered some pasta, ah, to start off we ordered a lot of appetizers okay like truffle fries I I love truffle fries


then say like you, is the is the is the sense right the fragrance of it, uh then they put the parmesan cheese shavings right, uh, and then the smell of it ah okay you know that, it just keep on whet your appetite ah


ya correct correct so we started out with me and my junkie fans we started with truffle fries and like and then we order calamari calamari, uh this , calamari calamari fritters lah it's calamari rings


and then we had our seafood soup, and then, which was and a normal the garden salad, so these are the basic items that you will get in a normal typical italian restaurant right


so and then you know this calamari cost like it's so cheap is like ten dollars, but after discount becomes like seven dollars and then it's a whole basket and then the way they they fry it right is like, uh they did it's not it's not a whole calamari you know I don't like eating whole calamari is the actually cut it up into smaller pieces and then they fry it with a very liked batter so it's not a soggy


ha, so we had that and then we had the truffle fries and then we had the seafood stew so seafood stew usually if you go to a non-halal restaurant they will put some uh white wine in it, so the the taste is is to enhance the taste


right ah so, but over here we are a bit skeptical because ah, my friends my friends' chinese so she says oh, I don't know whether with taste nice because seafood seafood stew will look will taste nice with white wines I say okay lah never mind lah we just try lah maybe who knows we since we already ordered it's on it's not expensive anyway we tried and !wow! it it tastes almost similar to to the one uh we


the my friend had with white wine so is really ya correct and then, ingredients they use are not those cheap ingredients like uh they use like really fresh prawns, the one the one that they have the tail and all that


so, it was a very good soup and then we coupled with the pizza, and then, pizza is one of the best uh thin italian pizza you ever had next time you must bring your mom there, uh okay I will and ya


uh I yes Squisito can look it up on on Eatigo, uh, I I have no right no doubt the I went there twice in the past one week already because the pizza is is really is really really good, uh ya it's not like those


thick crust pizza with very doughy ah this is very light thin crust but not so thin like like err not like uh domino domino also have has thin crust pizza right but if this is the way they make it I think it's different pizza dough


is this Squisito you can ya you can bring your ya I think your your friends will also enjoy it it's like it is not it's really really affordable value for money and oh ask to sit on the second floor is, are more more ventilation on the second floor and then and then err


the waitress there is so nice you know like they they have to climb up the steps everytime right, to send food to us and then she have so smiley and so friendly and, ya and she even recognize the next time we went there like eh you are the same people who came like I said ya ya we came before the pizza then she's oh ya okay then we had a chair and then


!wah! I tell you , same you you you like the place you don't it it it it really like surprises you lah amazes you because you don't expect much and then, no where be ya and, most importantly also the service is very good you know


it's like fast you order the food within uh then then you they they serve all the appetizer first then they wait there's some places they they they lump everything together appetizer and main course everything they give together then you don't have time to, to appreciate your food ya ya


okay so that's my experience okay, there talk, too much already okay okay number three okay why don't you , describe a time okay, ah just now you mention right you have a you call Singtel


okay, I I had a similar experience actually I was I was overseas and then you know there's this like roaming data right so I subscribe to Singtel, and there was that, uh how many days err roaming data at a time I think three days or five days so


I had this I had to subscribe five days and then on the last day I told myself okay because I'm going to fly off so, I don't want to extend it to on ah I'd want to take the longer planner is either three days five days or ten days so I'm I told myself okay or what do I just take the the the shortest plan and smallest plan and then after that err off my data right what what I forgot was on the last day there


I forgot to switch off my data you know, so in the morning err and then the the phone is is just like kept on having background processing right, so I was my email keep on was like eh the email keep on coming in and then suddenly I receive an SMS saying ah I've I've a reach hundred dollar of mobile data I think ha a hundred dollars of data it's like !wah! it was just because I open some maybe two emails or three emails but


they really charge it lah so I was like what ah of course I I flipped out because, uh you didn't know that you didn't realise that you were you were bound to so much after all, opening one or two or three maybe because I think they have images or maybe it cost or maybe that's why it caused a lot so err then my friend was saying never mind lah he said reach you you reach singapore you can call Singtel but


okay so I had to wait endure about few hours of flight come to reach singapore touchdown only it call Singtel and then this guy was so nice because say it lucky for you you are, you are log onto like the preferred network like singtel's preferred network so he says what I what he can do is he cannot err he can err he cannot waive off everything but then he can put me on another plan which is like unlimited thing then I just have to pay like a twenty one dollars instead of hundred dollars


so he charged me and say I will put you on this uh another plan you know and then uh so that, you don't have to pay the hundred dollars so but he cannot waived off everything than I told him okay is it's better than then paying hundred so err so the the process was was very seamless he was


he he was so nice about it he didn't make me feel bad and then he care for solution and then it was a five very very efficient solution, uh ya I mean of course it's my fault lah you know but


good thing I good thing I managed to go onto the prefer network otherwise he says he cannot reverse if you because it will be on another they'll have no partnership right with another with another network ah then they cannot help to waive of the fees waive off the data fees so because this is a preferred network


so for you also remember when you travel you always go to the there's a list of preferred networks for singtel so at least when, ya when when you have an incur extra charges uh there's something they can do to, rectify it ya


ya, two three of three minutes of of internet surfing, uh get hundred dollars


personal


nineteen years


okay so for me I, spend my money uh how do I explain how do I explain I've, been spending too much on, food (ppc) these past couple of months err because of the COVID situation and after


the phase two has started I've been eating out a lot more, so that's what I've been spending my money too much on even though I try to save my money sometimes I get a you know, get my craving, !woo! and I eat a lot of food and uh that's what I've been expanding my money on and to me which part of expenditure is justified in my


opinion food expenditure, is okay, because food make, me happy and uh I guess and I, don't I haven't been spending too much on materials lah


like gadgets and what not so it's mostly on food what, about you Siti what have, you've been spending money on


ah sure


let's talk about, uh, how do you manage your cash flow uh question number six ah how do you manage your cash flow how much of your income is, allocated to saving expenses


insurance or investment


, my mother ah, is currently paying for my insurance and I uh I told her that I will be paying for my own once I start working efficiently so when I get, my monthly pay I


I don't, I save fifty per cent, because I'm still a student and, I don't have, a lot too much responsibilities so, I the fifty percent that I save that one


is for the bank I won't, take it our anymore and the remaining fifty per cent I will, I will spending it on transport food my any subscriptions any expenses that I spend on mostly food like what I


which and uh and, uh, I'm hopefully in the future I would be able to pay for my, insurance also, so ya ya ya ya ya


yes but some, times it's a bit, less than fifty per cent , on on holiday because I will meet my friends even more so more money will be spent on during


holidays I I still need to save some money so yes


okay in my opinion well


once I, I mean I'm still a student so, my opinion, on credit card is that as long as you are able to pay the the debt the fees , the the fees on time like every month it comes, in to the


il it should be okay as long as you don't let it accumulate with, the interest after a few months and then, you pay off at one shot that's not really a good idea when it comes, to having a credit card and some people are scared of credit cards because of the potential debt accumulation but like I say as long as you


pay every month that comes, then it should be okay, yes and what do you, think Siti


okay oh that sounds


very interesting , ya I'll I'll get the Krisflyer one


make a certain amount of money to get a credit card or like my salary


oh okay okay plus bonus okay ah I see


oh okay, it's easy okay ya okay I'll try online I'll try it out okay ah yes ah question


thirteen do you have, the habit of saving and how do you ensure you meet your saving


(mmhmm)


hopefully, ya cause because


since young my mother has always taught me how to save money, like example if she give me like two dollars I will save like one dollar for the next time I want to buy more sweet, that kind of thing so she has always taught me


how to save money slow, so that, why I really like, saving money but ya ya but as I have mentioned I have a, habit of spending money on food which is quite tough also ah which is ya ah how do I


meet my saving goals for instance if that month I know I will be having my internship I know I won't be spending, so much money and that's why, I will only, take out like maybe ah eighty dollar, on food for the internship and the rest I will the rest


the rest I will spend on transport, and all and I will be able to keep about sixty percent of my monthly pay on that month instead of the usual fifty or less, so that's how for food


yes ah yes it ya hospital food is cheap, thank god , ya ya uh, ya ya because usually uh a plate of, chicken rice is four dollars right so


uh , in the hospital because we have a staff pass we usually have, to we can only we only have to pay two fifty around, there for a plate of chicken rice and, and since I'm saving for, food saving foods saving money I I will only eat chicken rice


ya that, or sometimes, soup uh mostly chicken rice to save money ya, yes it's my favourite food since young I I always eat chicken rice and nothing else just kidding I was just kidding I was just kidding but ya since young I like


to eat chicken I I am I really like chicken since young so is that's how I, will make sure I meet my saving, oh oh and I also ya and for example I have the concession pass right uh that saves a lot quite some money


also for my travels for school, and internships et cetera and I try not to, Grab used the Grab transport because uh that is quite pricey, also so I try my best to


wake up earlier for school, for instance and uh and I no I haven't I haven't been grabbing to school so ya I have grabbed once, to my internship but ya that's that's all just just once ya I think once or twice so ya that's ya every day oh


no oh no no ya , ya that's very it's very expensive and some more you're not sure whether there are available cars around or no ya that's what I do


I answer first fresh idea (hmm), currently I'm, on DIY uh financial type of person however, I when I get older and when I start work I will definitely get someone, to be my financial adviser maybe this person can slowly guide me through the financial journey and how I can slowly


build up my saving, accounts, properly uh because currently when sorry pardon, ah yes yes oh, really oh


okay okay oh oh I, didn't I didn't know I don't know now I know oh then oh she's oh is oh so mu mum's friend is a financial, advisor I see I see oh I see oh so


uh I didn't know because I thought insurance people and financial advisor are different, like uh her friend sells insurance I think is it and to show, oh


okay ya oh okay oh yes start new


I should start now right


correct correct that's true that's true I'll research more on this matter I'll ask my mum's friend about this


negative product


oh yes I I I have, I have uh, negative experience with this korean halal korean barbecue place called Hanssik it's at clementi, mall


is it is the mall beside Clementi MRT the one that's link oh my, ya JCube one is good, JCube one is the it it it was a good experience at JCube it was not really a good experience at Clementi so my friends and I we decided


to eat halal korean barbexue that day, uh not my friends say my friend and I we decided to go, Makan korean barbecue that day and because of the COVID situation we are not allowed, to choose our own food and the we will be seated we will be seated then they will give us a list then we will mark it off instead of going to the barbecue area and


food and cooking it ourselves so they will pick it for us and, after we gave our sort of our order to the waiter, it took them


thirty minutes just to take out, stuff because thirty minutes just to take our stuff and we didn't order too much because there's only the there is only, the two of us, so it took so long, and the waiter


were just there were so they were not smiling, at all they were so, angry and don't they kept on grumbling, so it was it was, not a good , customer service experience how there was one there was an instant that happen on the same day so I was my friend and I we were


Sotong uh, octopus squid squid yes squid it was this big this big this big, they didn't cut it into small pieces for us, and they didn't give us a pair of scissors even though


they they're supposed to and we wanted to ask for the pair of scissors but since they're, they were not there , we cannot find any waiters there they were like gone they were missing so we were like okay it's okay we can just chew it slowly you know


so , so we were cooking the squid and then I was, eating it I was I was eating it and I was chewing it and, I thought it was okay already so I can swallow it you know and you know how, squid they're very chewy and very stretchy and it's just ya I didn't


swallow it ya ya , apparently I didn't swallow it uh chew it properly and uh I choked on it it was stuck it was stuck in my throat and it was struck stuck in my throats and I was


I was panicking I was I couldn't even breathe and I couldn't even, speak my friend was so shocked she stared at me for ten seconds and, the waiters saw, I was I was slamming the table I was panicking so much I was panicking so much and it was a full house the waiter was near us apparently that's the my friend told me this after a after a couple of days he's like a you know the waiter was there


then I was like oh and the waiter did nothing so my friend had to do the heimlich on me and I was I had to do the ya we are both, nurses thank god, did she managed to do the heimlich ya she did the heimlich on me and I think everyone heard the commotion but still the waiter just ignore us the waiter didn't even asked me like are


you okay you just choke on squid are you okay nope they didn't they didn't asked me anything and we just went on with our day , immediately after that we just left we just couldn't oh


oh it's ya, it's it's a, medical emergency but oh well the waiters just ignored us and ya I've I vowed


I told all of my friend I told those who are like who kept some of my friends were like oh there's a nice, halal korean barbeque place at Clementi oh you guys shouldn't go there you guys shouldn't the, service is not really good, so that is how I cautioned people to not use the product any more and


yes oh from now on whenever my friends and I wants to Makan korean barbeque just let's go to JCube it's it's nice there , it's nice there ya it's ya or Seoul gardens, Seoul Garden ya


oh my ya me ya but it's just it's a bit at least ask me how I am ya ya are you okay, ya ya and we couldn't even be bothered to


to to tell them to like !hey!, maybe you should cut it smaller because we just we just we just done with, this after the incident, oh


yes


uh I just avoid squid I just avoids squid totally it's it's it's it's it's a phobia now I cannot I cannot after that experience no more no more, squid for me ya


oh , my mom had to cut it very small, is she cut it like this tiny little pieces for me this very small piece for me this ya during hari raya oh, oh


it was very scary when you couldn't breathe at all you couldn't even speak it's just, oh ya it really work, it was I can really, feel the food coming out because when we learn, where we learn how to do the heimlich right we didn't actually thinking it


will work because we were like, is is just because you never know if you actually will, work right and it does when my friend did the first pushed can really feel the squid, coming out of my, throats then ya and ya ah that was


I could have I could have died I could have died oh god, oh okay what about, you


, okay okay that's good that's good


!hey! you should go first Singtel is it oh Singtel, oh, oh, bank alright


ah


oh ya, but she never say that it's wrong


!aiyo!, ya, ya


oh no, ya


(mmhmm)


(mmhmm), true lah a bank ya a bank anyone (mmhmm) ya


ya ya oh, !fuh! oh no ya it did not go well


!wow! oh my goodness me oh for me , ya it's I've never ya because it's that bad same goes for the squid incident yes ya ah for


me I have a negative experience with Grab so one thing about Grab is that when it comes to, their what is it called, to their hotline right they actually asked about transport food, and that's all they never ask about the account so one day my account was suspended and I was


wondering what was going, on so I wanted to call them but then when I was on the phone and then they told us to choose press number one for this this this I couldn't press any numbers because there are no other options regarding accounts so


when I looked at the app, there's an, and uh help help account, like account FAQ frequently asked question and when I look through the whole list there's no such thing and I will emailed them regarding the issue so I email them and then I I ask them like uh


why did you deactivate my account or, why did you suspend it ya why did you suspend my account and they didn't get back to me until, one and a half months later so ya ya so I had to, make another a new account with another email and that email has I cannot use my phone number because my previous account is suspended right so I couldn't use my phone number


with the new email, so I was so I had to, I have another prepaid card so I use that prepaid card number for the account but I don't really use the prepaid card phone so I have to change the number but I couldn't so I


I I was so angry and then I, I went to the there was this, form that I have to fill up when it, comes to deactivate account so and, that's the only form I could find so I put there instead of the activating my account I want I want to ask why


uh I was I wanted, to ask why did you deactivate my account and, can you please re-activate it if cannot can I please change my number, on the new, account !huh! so they didn't , that one is after one and a half months right so this this new form that I submitted it took them


two weeks to get back to, me it's so slow, it really slow really, long waiting time I was very I was not happy about it because it's not because I like I said I didn't I don't use the prepaid phone for


travel like I don't go around with that phone so when I take Grab transport or anything I it's not save for me in case of emergencies because if they want to contact my family my mom or something uh they couldn't because my number is different right


ya so so I I was so angry and then finally there's this uh lady I think her name is, catherine and I think I I I she managed to rectify my problem and she rectified it almost immediately it was a very quick within like one day which is quite fast for them and it was


uh it was the, longest waiting time I've ever ya it's, really bad ya oh my god, it's just so that and then I told her that it's ridiculous that I have to wait this long because it's just you know it's, just an account and a phone number problem so she because of her I sent in a good review


but then I sent another bad review (ppl) for the waiting time so ya so ya, ya yes [ah] [oh] thank you


positive, product review


okay


that's nice


ya then, it doesn't ya, this (mmhmm) booking dot com


!wow! that's nice okay well I, I I, never really had customer service on over the phone


I have never really talk to an agent before apart from Singtel and I'll be talking about, that in the next next section uh but yes, oh yes I I have sorry hold on I forgot so there was one time I was I


forgot to book a restaurant for to eat with my friend so when, when I was there the, manager asked for my number, and I think, this more of the second question sorry uh want to nice dining experience but I never really ate


at that spot at that place it's more of, all the manager made sure that, I uh so so much so he told me, that sorry , uh ya uh okay


oh the restaurant okay, so the place is called people pasta bar at Bugis and I, oh, really oh, oh nice oh, oh oh okay !wah! that's nice I I've


never eaten there but I have an experience with the, manager lah so when I went there I forgot to book uh, reservation because I didn't, uh I forgot, that it was COVID situation and we, you have too book for the spot so I just went there and then the manager told me that I need to do a reservation


so I asked him uh can, you maybe uh call me when there's a slot, ah , after I leave lah then he said okay so he said he will call me and after that I went, into another restaurant immediate


at around he said he will call me around one one o'clock, so at exactly one o'clock he I, my phone kept on ringing again and again and again and then the manager gave me six missed calls and when I finally picked up he said or he got as he finally got


slot for me and then he was so nice and then I said oh I'm sorry, I'm I'm already at another restaurant and he wasn't upset about it, or anything and he was very, the service is very, good there because he the fact that he called me many times just to make sure that


I, get I get my spot it's it is shows that it's it's a very good, uh it's a very good thing and and yes ya ya ya he


he really he, it's because I, I think maybe he saw how desperate I was to get a spot at people pasta bar maybe that was the reason why he kept calling, me uh, so yes I'm going here I'm going there again today so, so yes let's hope the food is


good it will be my first time eating there so yes uh I'm looking


no cream sauce, bicycle !woo!, that sound so nice okay oh they have it okay okay I'm so excited I'm so excited ya


and I this time I did book a reservation so yes , ya !huh! !wow!


oh ya okay okay oh uh let's talk about oh (mmhmm)


oh


offer ya and ya


yes old yes yes ya


you need to its very it's very nice right ya, I also like truffle, fries ya !wow!, !wah! !wah! it's so nice ya ya oh my, god oh oh


you just know it's truffle fries like the smell is just is very distinct ah


yes oh


good oh that's nice ya if it soggy it's not nice especially it's fried, (mmhmm) (mmhmm) (mmhmm)


{oh] there must use, a good substitute (mmhmm)


okay I'll bring my mum there Squisito , twice !wah!


ya ya ya donors have been ya ya they do


!wah!, second floor


okay ya ya just second floor then ya, oh oh that's nice


ya oh, KL


ya correct , alright, uh describe a time


when you call, the customer service hotline of because you encounter some policy oh but I, oh , yes I did have a positive impression yes I did so uh this one


this if this occurred two, three years ago is it still valid for, the discussion should we can right should we can okay, so this happen, when I was I think fifteen my grandmother usually ask for my help when her bill come


in and sudden, out of , when I read she was very upset because when I saw her bill she was charged, eighteen dollars for something that she didn't even pay, for uh so she she wanted, me to cancel, it at that point my mother was not home so I was very nervous because I was very young and I have never really called Singtel personally uh regarding this matter uh so ah because


I was quite scared to ask Singtel if they can, with it, if they can cancel the eighteen dollars, to reimburse the to reimburse the money because I'm scared they will say no and then I'll have, to I'll have to get my mum to call them and then it'll be a whole thing so it was very


nice to, know that when I called them they were it was very fast it was very fast ah I didn't have, to wait for very long I only had to wait for about ten minutes and then I was and then I was immediately passed to an agent, and she was so


friendly she, we asked she didn't ask me many questions also she didn't ask, me about the eighteen dollars about the transaction uh and how it occurred because I myself didn't know uh how it happened my grandmother also didn't know maybe she click the link I'm not so sure also so


the agent was uh she was not upset or angry, over the fact that they have to, reimburse the money and he was, just very friendly and I managed to uh and they managed to minus off the eighteen, dollars in the next bill ah which was it was very fast it was very fast and that was that was that was


that was pretty much it and then


(mmhmm), oh


dollars oh my god, ya a hundred dollars


ya (mmhmm)


ya oh that's like


oh, I see I see


ya correct hundred dollars !wah! that was ya ya hundred, dollars !wah!, oh oh gosh okay


ya no joke


hello, I'm fine how are you !wah!, okay okay, so what's your savings account


same lah, say what lah uh


[orh] is it the the POSB kids one oh okay okay


ah ya ya ya


oh, but, oh the interest for UOB is good is it, oh


oh okay okay, okay cause for me I got two account also but both is under POSB, one is just a normal savings account then the other one is this like trust account ya that's what you call it it's a trust account between me and my mum but then it's like err I cannot withdraw the money unless


like we'll both have to be there to withdraw the money and ya so can put in money but you can't take it out until both parties are there and after a certain amount of time, yeah ah same same


before ya, same same the fixed deposit is uh is actually the fixed deposit is my main savings account lah that's the one if I don't want to touch the money then I put the money there but my savings account is the one that I use daily basis so the savings go up and down lah


ya what's the next question I can't see, okay , I got no credit or debit card I mean the only so-called debit card I have is NETS lah that's not even debit card but that's the savings account lah


ya I never I I I never saw the need to take a credit or debit now lah cause uh don't have much loans to pay also so I don't really need a credit card and debit card also if I have probably I will spend more lah so it's best that I don't get it


err debit card is like all those paywave, uh visa eh visa master also right I think ya


yeah


oh ya ya ya, debit card ya


responsibility you know, company


no usually I know people get credit cards for like, err when they have to pay loans like uh say err housing loans if I'm not mistaken I think like those kind of big uh car loans housing loans maybe even insurance sometimes that's why I know they use credit card for for big amounts


yeah well some people use credit card for shopping also and that's why they got a lot of interest and they have to pay more, yup they will have lah but sometimes their they use the limit already lah ya so they still use credit card because credit card is you are not using your money


you are using on credit first then you that's why you have to pay with interest ya debit card is still your money is the one with the bank lah it just


ya ya like I think cannot have any err, outstanding I mean big outstanding loans or like I think there's this financial record of your bank statements and all that whether is it healthy are you paying your loans on time do you have any uh backlog have you like err I think if you Kena if you have err


declared bankruptcy before also those kind of stuff then they will issue your credit card based on that I think, I mean this one all is uh hearsay one lah so I'm not sure if it's actually true also


eh okay ah to be honest it's a view of is like two reasons one is err actually quite lazy to just go down and get it done and over with another thing is for now I get a debit card also I don't really see a point cause I'm not a person that does online shopping yeah so and even if I want to I just


ya, I mean now cause of paylah almost everyone has a everywhere has a QR code and I can pay with paylah also or even google pay that I was using also recently or just link to paylah and all that so like even if I want to go outside and pay also right it's


almost everywhere has NETS and if they don't have they have paylah also so it's ya it's not that much of a inconvenience only when I want to buy online stuff lah but that's very rare then most of the time I just err use my friend's account then I help him buy ask him buy for me then I just transfer him over the money ya


but I mean I don't know probably going to get one soon lah when I start another account or what, but you need to make a account right for that or can I use my same savings account


oh okay okay what for where


[orh] , okay


, parents lah ya, I'm , ya didn't first we need to have a partner first then we can talk about this uh long-term thinking you you need to fill err


gaps in between first before could talk about this but then I think for joint account it depends lah, if like I think gonna get married and all that then it makes sense to have a joint account for the family but personally I would have my own account a joint account and a joint account also cause like sometimes is like


I still feel like you should have your own personal account for whatever stuff you want to do then a joint account for stuff to do with family, that's what I feel lah for joint account you shouldn't be like all the money is put to one joint account, ya


!wah! that one a bit too technical like


maybe like okay how much all is up to people lah some people would put like fifty percent of their salary over there which is almost most of it after their expenditure some will put like thirty percent then twenty percent into their own account that I think that one depends on that couple's personally I think I will put like


slightly more than half ah so about if let's say fifty goes to expenditure and other stuff thirty percent of my savings would go to the joint account twenty percent of my savings would go to, eh sorry thirty percent of the remaining will go to the joint account twenty percent of the remaining will go to my own account ya and then the the money in the joint account is like for family stuff lah like family vacations uh household needs then going out for dinner those kind of stuff paying for schools eh err children's education


classes lessons workshops those kind of stuff ya, I am not saying that I wouldn't use my own money and put in lah if let's say it's running out then I'll take from my own account and put it there so it's like I've a safety net in that sense if you when you've two different account


ya, ya


uh ya, ya who gets to say what it's used for


ya, ya but I think it's a bit hard also because when you if let's say you don't wanna have a joint account then that's fine but


then who then there will be the question of like oh I'm putting in more money in the family so-called or you're not putting in as much so that's the reason I think most people have a joint account so like you just put in the money there then you use that money but then there comes the question err


are are we using the money wisely, because at one point of time it's hard to get both people both parties to have a consensus on where the money should be going so ya so it's like a good and bad lah joint account


but ya you honestly I feel like if it people that do joint accounts they have a lot of trust cause trusting people with money is quite difficult and then especially with your partner and you don't know what's going to happen in the future


who ah that friend, [orh] okay okay, but you got pay back or not oh okay okay


ya, okay not really high yield bank account I mean in terms of percentage wise I think most bank accounts gives around the same percent DBS I heard I think the highest also got zero point zero six percent of your savings which is highest among the other banks lah


no lah as in one point something in banks I've never heard that eh, or maybe is one point something per year lah the zero point zero six is per month


ya okay maybe I don't know ah ya that makes sense uh zero point okay I don't know maybe but ya , then err but then fixed deposits are usually higher especially like err I don't know some insurance with savings policies like when I was in the army then all the insurance agents will come and ask us


it's like but usually you have to keep that money in for like about fifteen to twenty years to see like a lot of returns then you like they told me like if you put in yearly two hundred eh monthly two hundred then you after twenty twenty years you can get back about quite a lump sum lah


but it's cause of the interest build up over twenty years so usually I I understand that fixed deposits you have more err the percentage is much higher than normal banks cause you can't take it out err as often, ya


hello da hello, hello ya hear me ya ya ya okay


there's some connection problem just now, so wait where where did I cut !huh! from there only, oh okay okay so I was saying like fixed deposit is usually is higher amount of higher percentage when you err put it in lah because you you have to put in there for like I think about fifteen to twenty years quite long


yeah and like monthly so you won't be able to see the money for like damn long so it's I think about one percent or almost or two plus percent per month so when it comes up after that it's quite a big lump sum lah, so usually fixed deposit is quite good if like you know you are you are quite you you know how to save your money you don't spend so much and you're quite thrifty about your money


oh ya ya is ya ya


as in, but the CPF when okay if let I know the normal CPF is you had you only can take it out when ah think sixty plus is it


ya then but then err no you can take out a few like there's I know there's ordinary account and few other accounts lah those that you can take out earlier for house loans and stuff but only a bit of it, ya but then err there's this thing where uh, like stocks and all those other like trading markets right you can put in higher I mean you can get higher amounts more than three like especially when you invest in start-up companies one of my friend was saying that he put in the money and then it was I think nine percent returns for the year


which is not bad lah nine percent per year for, in returns and it's like a guaranteed thing according to the contract that he signed, he's quite lucky lah


can you hear, hello hello can you hear okay okay where did I left leave off


oh no okay no after that I went to like although CPF is quite high, if you use like trading accounts that's like much higher cause one of my friend I think he put into like err this, start-up overseas then he got like nine percent in returns according to the agreement itself is like confirm nine percent but most of the times when it's quite high this kind of high percentage there's quite a lot of risk also lah


like you don't know what will happen to the company or will it will it be will it even survive to give you back the nine percent so that's the problem is the risk lah the thing is fixed deposit is quite good cause you know you'll get back the money, cause banks are quite quite stable


what age ah, okay I mean my ATM card right I was given actually uh on in during army itself


err army was when ah, ya quite late like before, ah ya same ah


oh ya, oh ya ya ya


ya, no no no I remember cause I how to say I would get pocket money only but for the for the week lah from, all the way up to I think at even JC two sia ya ya ya but then in, in army that's when I got my as in my mum already had it since young I think damn young like when I was in primary one or primary two she already opened the account but then I only got it in like err army year one that's why I started using it


okay there's network problem again


yeah, part three negative experience


okay okay so what's the, worst let's let's go with staycation what's the worst let's start with


why ah thank you you wanna start


where which which staycation you talking about, hello


actually worst staycation holiday in a hotel actually to be fair right usually is quite hard to get any like bad you know err services from staff, because usually they are all trained and like quite used to you know


being super friendly and going out of their way to help the customers so ya is so usually holidays like, standard of staff are usually quite good food breakfast is kinda standard I think the only problem I uh usually have is like amenities and hotel facilities but that one is cause of the price lah I think it was about I think three hundred to


eh no no not three hundred four hundred to six hundred per per night at this hotel overseas err but they had like, it they you you have to pay extra for wi-fi, if you wanted to pay for the if you wanted use the pool also you have to pay basically and you wanted to use the gym also you have to pay and like it's the first time lah usually if it's this expensive the hotel room it's usually quite cheap I mean like the rest are like


together with it so I I was quite surprised lah like you have to pay for all these amenities then what's the point of putting the price of the room quite high, so ya lah so but okay lah to be fair err we only stayed there one one night only ya because our our eh oh not uh ya our connecting flight got delayed for one day so we had to just get a hotel nearby the airport and then


we just stayed over so yeah but it was quite expensive sia for one night and then you don't even get to use any amenities that's about it lah for holiday


yeah, [orh]


ya much more, convenient right also it's like is less hassle things are done for you


!hannor! ya, like uh homely feels ah


oh


uh


(mmhmm), oh okay okay, where cambodia is it


hello, hello


then can bring my bag here, hello ya can hear me


ya, eh wait ah wait ah eh uh wait ah gimme a moment ah


the battery is dying wait let me just plug in first


okay ya, okay can you hear me okay sorry about that


(mmhmm), oh okay


(mmhmm)


uh so [orh] so so it wasn't as uh aesthetically pleasing as you all hoped it would be lah based on the pictures, okay


like I mean like y'all y'all looked at the view and then that's like your deciding factor kind of thing ah, ya ya


airbnb because that's not really a, ya true


okay okay let's go to the next one let's go to, wait electronic device so which one you want to talk about


damn this set disappointed by uh uh you go first lah you go first, what is it oh okay


, (mmhmm)


oh okay


oh okay okay ya


oh but it's still new lah ya


oh, but it still works right like, but it's not up to like the standard that you want lah for two hundred dollar, oh ya


no but I mean, the quality is obviously it will be different like mine is just cause err can hear me ya ya my my quality it's just a very standard quality it gets the job done


and that's why I feel is worth quote for the money but in terms of audio wise is not great it's okay it gets ya you can hear the music that's about it, so ya that's the reason why is that cheap, but ya


true, yeah


okay you you say first you say first, what happen wasn't it working quite well, , (mmhmm)


(uh huh), oh


, why


oh okay, perfect


oh


oh, oh my god ya two three AM also ah


oh !huh!, oh okay, oh ya


, oh okay


okay, you couldn't use it for too long lah as much as you wanted, how long how long did yours last


[orh], for PS four not really right,


yeah, yeah, ya


ah okay


okay you don't want it I, aren't you going to buy a PS five really okay


oh okay okay oh ya ya ya really thought like okay lah then buy lah ya ya ya


I wanted to wake up early and watch then but I coudn't , ya okay, !huh! [orh]


no ya ya ya


as in for DS DS ya, as in you can use the internet normally lah but you you pay for the games, ya you you pay for the like the extension pack, so let's say if I use three DS right so I'm playing err what's the new one uh okay lah so that's okay lah let's say it's sun and moon right so that's err that's not the latest but that was one of it then they had this extension pack so you buy you pay extra fifteen dollars


then you download this and then when it goes into your game you will have this err let's say new set of map that you can go and explore kind of thing , so ya that's the thing that you you pay for the game itself you don't really have to, pay to use but in that sense membership might be better cause you paid that one-time fee then you can use all the other games but for DS it's more of like you pay for the game itself ya which is it's easier to get err


to get like you know those cheat versions like from torrent that you torrent it in but membership wise is harder so I think that's the reason why now everyone is moving towards membership, but for me an electronic device that I was disappointed by I think I will just say it was my huawei phone that I bought like three years ago


I still uh using, ya, you you know most most of my birthday presents are still inside ya it, yeah yeah so my huawei the phone right okay so I bought it for the camera lah because that time that the camera was damn good like almost comparable to apple's standard but the the software programming that they use was damn bad like


I okay the reason why I bought a huawei was cause I already had a iphone then I bought the huawei in terms of for a line plan was cause I wanted to like watch movies and all that during army so like can download before and then go in but the problem is it started to lag very bad as soon as I like downloaded movies


ya so I only use like fifty percent of the storage, but then it will start to lag super bad and like, okay lah when I was watching the movie is okay but, having the movie inside had to had uh has to download and then using like other apps like telegram or whatsapp it would lag damn bad so like it wasn't worth the money that I was paying lah but then again okay the phone upfront was zero dollars but I had to pay like twenty-four months for the whole line in the contract


although the the photo quality was quite good but in terms of the lag and the usage and then it got to a point where after some time like it just didn't want to on oh ya and it was damn spooky so basically right, the


okay so there's this sensitive touch that I use it will just suddenly start on and then it will lock itself then suddenly the screen will start recording itself and all of a sudden it will just lock by itself and then it will I'll be watching a movie and then it will just go out so I was thinking like


what is wrong with it like what's happening you get what I mean so after for awhile then it just like one time the battery just died so I charged it didn't charge but the whole thing heated up it was damn hot, so I just let it cool for awhile then


ya but you see that that thing happened like I bought it in twenty seventeen start it started to experience that in like twenty eighteen jan eh so I bought it in uh twenty seventeen as in march so it only lasted me about eight to nine months usually it will last about one one year plus or at the very least a year and a half


no no no, contract don't have what not two year warranty what ya cause, sorry


ya ya but they it for that phone it wasn't one year warranty, ya


what what you mean by specific conditions, no as in like how your experience when you bought the product or the service as a consumer


uh I think we can we can talk about anything as long as is related to the product or service right does it have to be one of the options here, [orh]


okay okay which one, favourite bubble tea ah okay my favourite bubble tea is actually err koi hundred percent milk tea


eh koi hundred percent sugar milk tea err with eh have you tried the ice-cream one, how is it [orh] itea actually not bad itea quite nice


ya actually I mean koi got the actually koi also quite nice lah but sometimes I feel like it's a bit too pricey especially the, brown sugar all those series because that will easily come to six plus seven almost ya


ya but the okay the one that I usually buy is the caramel milk, tea that's like four dollars which is not bad the large one, four plus lah but oh I like liho though, liho's liho's brown sugar is damn good is like four dollars four plus it is damn good I think four plus lah brown sugar with fresh milk brown sugar pearl with fresh milk


I I don't lah I sweet tooth lah so usually naturally all the sweet ones like, oh ya true true


ya but actually actually at err uh koi uh sorry liho right I I was seeing how they make the drink right then I realise they just use the this fresh milk carton carton the purple eh pink colour one


I can't remember the name ah farmhouse ya then I realise eh it's actually quite cheap to make but then they jack it up so much lah, ya


(mmhmm) oh ya


oh wait their their large itself is four uh serious okay , [orh] itea is the one with the all the, oreos and


ya, ya but okay ya itea looks in term aesthetic wise and how they package right it looks very premium drink ya ya ya ya as in like like how they they give you when you take away right like the plastic the the the way they package everything


no lah liho oh my god liho I tell you the the cup that they use is damn bad like that time I poke the straw right the straw cut through the bottom of the drink the bottom part of the drink, ya ya that's what everyone think everyone says but we all know the truth lah just liho the cup just sucks koi koi is quite good it's quite sturdy


ya lah but then again it has, yeah I mean it has to be right but the fact like they cutting costs on this kind of stuff it's a bit err yeah


ya, crap


ya no got a lot got R R and B itea part got one partea got playmade a lot of people say playmade is damn nice but I I don't understand the fuss about it I find is like okay


oh ya ya ya I think koi koi that was koi lah I but you didn't used to buy that usually koi had koi had


each-a-cup ah, oh ya ya ya eh each-a-cup I feel now not bad, I tried before recently but it's expensive lah the ones small cup like this is about three sixty that kind


cup walker oh ya the ya ya the one at compass point no is is damn small it's damn bad there's I think there's the only , ya oh ya


oh ya ya ya but that's why a lot of people didn't really like when they came out with the cheese thing people were like drawn to it cause it was new but I didn't hear like good reviews about it in terms of value for money lah they say is not bad but you wouldn't pay six dollar plus for that


yeah you , no usually I I don't get pearl I'm unless I'm get getting the brown sugar one lah if it's caramel milk tea or other kind of ice blend of milk tea right I just I don't get any topping I just like my drink alone


[orh] maybe, [orh] okay okay ya


oh ya nata is good , oh ya no but unless unless you are getting the brown sugar pearls those those are good cause is not like it's soft when you when you bite into it is not very chewy or the hard chewy is like the soft kind of chewy


[orh] I never tried that one [orh] tiger sugar is from tiger sugar I think, liho ah okay I don't know


liho got a lot of variety of drink eh like they got bandung flavour then I think strawberry cheesecake or something like some sort some weird flavour


ya, oh ya it's more localised, ah


I think there was is local flavours right, china taiwan mainly ya


ya, ya actually liho started up, started out quite having like a bad name for being too pricey but then now like a lot of people just or I see a lot of people ordering from liho but then I feel that err


koi is like will be there forever, like, ya so cause koi has been there for quite long and honestly it doesn't really change its menu much but people still to keep going back to koi


is like koi has this specific taste that you can't get elsewhere, I never tried that, no their matcha series is surprisingly nice ah I'm a guy that hates matcha but that time my friend ask me to try his err koi matcha it was it was quite quite good ya the one with the foam milk at the top ya


it was really good oh okay okay, yeah, ya they they they don't change their menu that much it's quite standard but I feel like their brown sugar when they tried to do brown sugar it kinda failed


ya, it was too too much too sweet I think, ya can lah


lasted longer than expected sorry sorry feel nothing eh


[orh] lesser than that oh actually I mean okay lah maybe is my air dots ah from xiaomi, no my bicycle had never last damn long is just that I've been maintaining it for damn long like a lot of things keep breaking and I keep changing okay the only thing that's standing from my bicycle right from the time I bought it right is my frame ya


ya is my frame I've changed the front wheel back wheel tyre rim err tube even the brakes also I changed already, headlights gone handlebar lah handlebar is still the same lah, but need change soon also ya but actually not bad cause when I bought it already it was I think about I bought it five years ago and by then it was already five years old so it has been around for ten years yes ya


ya I bought it in twenty fifteen end ya, five years no no as in ya ya when I bought it right I bought it second hand that guy already had it for about five to six years so total itself is about ten to eleven years since it was you know yeah but okay lah it's quite long since it


came out lor but to be fair like something that last damn long right was my existing xiaomi airdots cause I only bought that for like twenty plus dollars from err carousell this online seller and it lasted me for like I think it's until lasted me until now and I bought it like start of last year


like usually twenty plus dollars kind of uh bluetooth err headphones won't really last that long you see like usually maybe six seven or maximum a year but now is uh gonna be almost two years is still lasting me and the quality is and the battery life is still like same as err the first day


so not too bad lah what about you leh


oh ya


ya ya, okay


ya


oh okay, ya actually I I realised most of my shoes don't last that long, like when I wear it for school and all that always the sole will just eventually give way I don't know why also


eh that's the one that you wore through secondary school right and even JC, yeah


ah, ya ya


ya ya


ya eh even my basketball shoe like the sole keeps coming off and I rarely use it like maybe once a week, or twice a week at most, [orh] no the okay ya this is this the weird part the one I bought authentically like when on sale and everything that ya hope factory ya so that one I remember about the damian lillard four


that one wear off quite easily but the one that I bought fake online it was it was much cheaper but that one lasted me throughout the whole calendar year, eh no more than that I bought it in twenty sixteen it lasted me all the way until twenty seventeen


and I was using it like like what you said lah for everything err especially for basketball school going out going anywhere basically I'll just wear that shoe and cause is red and black lah so it goes with any any kind any kind of outfit so ya it was quite durable lah for the price


so it's not too bad


nah


ya but depends also lah even if you maintain and if but if it's too much then is not no not that worth to maintain what you just keep putting in so much money


no, remember I like my err DS like nintendo DS okay so I bought it I remember in like primary five so that was I think two thousand and nine


it work all the way until I was err J one J two so that's about six to seven years but then right it usually this kind of uh devices usually only last you about three to four years, hello hello


hi how are you, !wah! okay okay very busy so let's err let us disable the switch let's start


uh barely have any savings but I do have an account, as you know err I have uh (ppc) not say, you want to go first uh you say first lah then I'll say later, okay lah I say first so like saving account I mean I got I got okay let me see this


I got two lah actually bank bank wise I got two then one is for, daily like daily use then another one is like a, just to like it's like a joint account with my mum, no no no no no I got two lah I got OCBC and UOB then OCBC for OCBC started young because that one had the mighty savers thing then err ya then that one is since so now that's my my main account lah like I'm using all the way like


since NS now come out for work also for daily usage then there's another more recent one I opened was the UOB one which I was a joint account lah with my mum cause like our like our collective funds we put in there to like so that we are joint shareholders that's the main reason


ya and let the interest grow lah, no no no the only reason we put in uh UOB is because there can create a joint account like, let's say me and you we can we can create under both uh so we we are both uh name holders of the account it's not just one person


right so that's that's the main reason lah actually, okay, it


[orh] okay okay okay, [orh] okay so uh I just see I think very similar lah mine also same but the thing is it's a this is a fixed deposit so we had to put in so I think one year or six month or something like a few months was the


cut-off like when to not touch the money, it's not that that the period has past so you can actually take out and all but but we leaving it there lah this is for like emergency and stuff, err


ya lah err, err next question, err do you have a credit or debit card and uh ya any experience with it


[orh] okay okay


debit card debit card consists of what I think I have but I not sure if I have it, oh ya ya okay


I think ya I think you think is, so ya if if that's the case then ya I have so for me I have a debit lah for longest time I had just NETS like you lah like NETS only than now , technology improve many many much err I also have uh debt debit lah I guess so it's just like paywave


or I can use it for my EZ link , like link it to my EZ link link it to my samsung pay all these kind of things so err I I use that so it's is quite helpful lah and then nowadays every, online online shopping or online purchases all need to use this this kind of


card lah ya so it really help it is easier lah actually, but credit card I don't have also cause I I know that it comes with a lot of err a lot of nonsense lah a lot of err, err ya a lot of what caveats lah a lot err ya, you you cause you may you may end up owing being indebted


to the bank or some something ya so we, I don't have it lah but I don't I don't know what I don't know what if it's is good about it to to have it if if I were to have it in the future, ya


but then


ya ya that's that's the thing mah, no no but but then like in that case might as well use a debit card right I'm sure they will have also what, well, oh ya ya ya ya


oh okay okay I get it ya, but it but there there's some like what you call like err, a a reach or like requirements uh requirements to get a credit in the first place right


ya, okay


ya I'm gonna to okay why don't you have a debit card then


okay, but things like paywave and like , okay mainly paywave lah or you can connect it to your phone and and make payments and all that


okay, right


actually it's not that difficult to get you can just apply via the app then they will send they will mail they will mail it to house also now is quite advanced


okay your you have existing account you just do that lah ya but you just go via the app or online or what you can but they'll mail it to your house, ya so we go to the next question things err what, time is keep ticking, time is ticking


so let's continue next next question okay, err do you think couples ya do you think couples should combine their finances and open a joint account, if you have a joint account with your partner share your experience ya I think I think we we kind of touched on this a bit lah in in this this is uh in terms of err marital partner but but we we do have a partner in the sense like our parents or mum